Losing two jobs in the last two years has made paying even a modest mortgage nearly impossible for Yolanda Tucker, who has two children at home, a 12-year-old and a 16-year-old. Unemployed since September, Tucker is living in North Nashville off a combination of unemployment insurance and child support payments, totaling about $1,200 a month, with a $780 monthly mortgage. "I'm desperate,'' she said. "I need a job."