I wonder why any financial institution would be so unwilling to work with homeowners to keep them in their homes. From an outside looking in is seems to me that, in order to bring confidence back into the markets, one would want to ease fears of things getting worse, things will get worsr if banks who hold these mortgages, to just put these people into fixed rate loans. Let me explain. I also am facing a reset of my mortgage in december. right now I am paying 91/2 percent interest. I have lost about 30,000 in equity so refinancing is out of the question, however if banks would just put people into better loans they probably would ride out the stabilizing time for prices to come around. As it sits right now only 46.00 dollars a month is going to principal. my payments are 1846.46 a month you do the math. I would love to only pay 1200.00 to 1300.00 a month that would keep me in my home. The banks are making so much money off everyday people. So help us, stay in our homes, and the government wont have to bail out all these big money institutions. this would even work for people who abused the past mortgage rules, by allowing them to keep the properties as perhaps rentals. if the price is right for themthey will stay. so stop being so greedy, lord knows someone is making about over a grand a month in profits off me alone. now multilpy that to the hundreds of thousands of people who are losing out. the ones who were keeping the markets stable in the first place