The FDIC is considering a multi-billion dollar housing plan that will enable banks to grant a 90-stay to delinquent homeowners, help reduce interest rates, make cheaper payments to borrowers that can afford them. Many fraudulent loan-modification companies have put a bad label on the whole industry.

Due to this cruel label many other government agencies are in doubt that congress will pass any housing plan to aide delinquent homeowners.

Once President-elect Obama is sworn into the oval office will this change the views of other government agencies?

Remarks and Questions are always welcome.