The WSJ had a good article describing the options open to the Obama 

Administration to speed up the housing recovery. From my read, all the
options are rewarding bad behavior or putting more of the tax payers
money at risk. We need to deal evenly with everyone rather than just
bail out bad or underwater borrowers. Any attempt to prop up folks at
the bottom is unfair to the people who have made their mortgage
payments and stayed in their homes.

I keep wondering what we could do that will help but is FAIR: Why not
reset everyone’s mortgage at a 4% fixed rate? Can you think of another
creative fix?

Here is a link to the article:
http://online.wsj.com/article/SB10001424052702304584404576440033488980192.htm… Barry Bevis, Broker/Realtor
C-850-491-3600
F-877-870-9066
www.BevisRealty.com