A plan to subsidize mortgages is being developed. If the plan is passed, it would help current homeowners who are behind on their mortgage payments. The plan may cost around $50 billion but the results may be worth it.

Helping home owners pay their mortgage opens the gates for more lending, overall improved credit ratings and it could mean a more liquid flow of funds in the economy as consumers would be more likely to make purchases without having the heavy burden of late mortgage payments.