Federal Reserve Chairman Ben S. Bernanke few weeks ago blamed loose lending for the recent turmoil in the

mortgage market and told Congress that "it's worth looking at" the idea of creating a law against certain lending

practices.  Is fit a sign that the congress would bail out the family's who are in foreclosure.  Or they are trying to

create "emergency fund" for coming disaster to come.  Thirty-four percent (34%) of the homeowners don't even

know what kind mortgage programs they have.  The housing boom, made mortgage lenders loosened lending

standards and offered more and more so-called non-traditional and subprime loans to borrowers who needed

the extra leverage, but who also often couldn't afford the payments that later adjusted upward.