Government is in a giving mood! Find out if you can reduce your mortgage. Over 408,000 people nationwide are 90 days or more delinquent.  Stop foreclosure and start living again.

Here are the conditions:

- GSE Loan: Fannie Mae, Freddie Mac, Ginnie Mae owned loan

- Serious Deliquency (90 days or more)

- Underwater 9% or more, technically you need to have a loan 15% or more underwater

- Owner Occupied

- Loan amount less than $250,000

Why would the government do this? They estimate only 33,000 people actually qualify under the above criteria.