Dear Mortgage Lender, Congress, and President Obama,

In the past year, the USA has spent almost $2,ooo,ooo,ooo.oo (two trillion) that we know of to bailout businesses (banks, cars, etc.) and individuals that cannot pay their debts.

In the most recent stimulus package, first time home buyers get a tax credit. What do non-first time home buyers get? Squat! People facing bankruptcy have a judge on their side to help them keep their homes by re-structuring their mortgage. What do people that pay their debts on time get? Squat! Big business just have to put their hands out and say we need money to stay open. What do small businesses that are the true core of the American economy get? Squat!

Well, I cannot speak for the rest of my law abiding, tax paying, on-time debt paying, fellow Americans, but I can speak for myself. I am tired of being the good guy and getting squatted on. Here is my stimulus package proposal to you for me as a reward for doing things the right way:

1) Mortgage lender - I want you to lock my rate into a 30 year fixed mortgage at 4.0% and recast my mortgage on a new principal balance that is 10% less than the current balance. Why? Because you are already dropping rates, re-amortizing, and doing principal reductions for those that cannot pay their mortgage. At least you know that I can afford the new payments and will pay them. Oh, and if you do not do this, then I will be the next person in line to stop paying my mortgage and then you will have to do it. And yes, my wife and I are struggling each month to make ends meet, but we do it.

2) Congress and President Obama - I want a tax credit read more: