Households across the United States are currently experiencing massive destruction of their wealth. Even after the housing crash that led to the financial crisis and the bailouts of financial institutions, families continue to see their homes seized and their savings wiped out. Government aid programs implemented so far have only helped the institutions causing this crisis, and the hardest-hit families have yet to receive meaningful help. Foreclosures are still occurring across the country, in both suburban and urban areas. We can all agree that foreclosures in any neighborhood are detrimental to the community as a whole because they wreak havoc on property values ​​and create funding problems for parks and school systems in those neighborhoods. While the buyers of these foreclosed homes get these homes cheaply, everyone else involved suffers. Mortgage lenders are forced to receive less than the principal value of the loan, borrowers are forced out of their homes and all previous payments on the mortgage are canceled, and the community feels the ripple effects. Over the past year and a half, we can now agree that some of the problems that led to the housing crisis were created by questionable lending practices to people who couldn't afford to buy a home. These subprime mortgages were then repackaged into financial instruments such as CDOs and sold by investment banks to investors who believed the risks they were taking were lower than the actual risk level of these CDOs. Many of the investment banks that dealt with these CDOs were also investing in them,...... middle of paper ......s was in its infancy, the total bailout would be less than it is Today. Investors would not have lost as much money on CDS and CDO instruments and the total amount of the bailout would have been less. But that's the past. Even aside from what the government could have saved a year ago, it must implement this program to help communities avoid even greater losses in the future. Foreclosures are accompanied by a decrease in property value, leading to a deterioration of the community's municipal institutions, which will ultimately result in lower taxes for the government. A government guarantee of qualified mortgages should alleviate the foreclosure crisis we currently find ourselves in. It's time for government to help individual landlords, now that it has helped large institutions. The time to act is now, before the losses become too great to mitigate..--