Remember the adage about catching more flies with honey than with vinegar? Well, subprime servicers appear to be taking it to heart, adopting a softer approach to communicating with delinquent borrowers. A recent example is Option One Mortgage, which has begun working with vendor U.S. Real Estate on a program that targets borrowers with whom the lender has lost contact. Some experts say this group poses the biggest challenge to loss mitigation efforts.