Create a plan to work with lenders to help struggling homeowners who aren't backed by Freddie mac or Fannie may.

I am asking that the Government branches out to help homeowners who are underwater on their homes and struggling to make ends meet. There are numerous programs designed to help homeowners who have mortgages backed federal loans. What about the other half of the country who have their loans held by banks and independent investors? I am tired of hearing about new programs to help owners that describe my situation perfectly but then crush my hopes by including "must be backed by Freddie Mac or Fannie Mae." Most of us didn't have a choice in who backed our loans but now we are being punished for trying to keep the American Dream of owning a home alive, just because we are not federally backed. I say its time the "other half" gets government help after being rejected by our lenders!