Foreclosure is a major problem facing the United States of America today with no perfect solution. Every person in the United States who experiences foreclosure faces unique circumstances and circumstances that have led them to the economic crisis they are facing. This singularity therefore requires that any solution to the global seizure problem be adaptable to a plethora of situations. There is no single way to resolve the crisis, but by combining different measures, the foreclosure crisis can be slowed down. Today's foreclosure dilemma can be broadly divided into two main groups: homeowners who can't pay their mortgages due to increased equity. in the rate of an adjustable mortgage loan or in a decrease in the value of the home and homeowners who are unable to pay their mortgage because they suffer from unemployment. Seizure can be better stopped if these two groups are treated differently. In general, different economic conditions leading to their current foreclosure situation separate these groups. For those who cannot afford the change in their mortgage rate, the booming housing market has created a situation that has pushed them into foreclosure, while the economic downturn has left unemployed Americans unable to pay their mortgages. The first group of the current foreclosure dilemma must be addressed individually while the second aspect requires an overall economic recovery. The current economic disaster began, in short, when homeowners began defaulting on their mortgages and home prices fell. Today, many homeowners with adjustable rate mortgages who had planned to refinance their home to a fixed rate once the variable rate increased are unable to refinance because the value of their home... . middle of paper......America. Although solving the foreclosure crisis may be a long and arduous task, with the hope of the people and appropriate measures taken by the government, it can be solved. Works Cited Hagerty, James R. and Nick Timiras. “House Underwater: Are You Staying or Going?” News & Observer December 27, 2009: 5E. Print.Inslee, Jay. Outsourcing letter. October 5, 2004. http://www.house.gov/inslee/issues/technology/outsourcing_ltr.html#main. Letter. Smith, Geoff. “Here’s the neighborhood: The effect of single-family mortgage foreclosures on property values.” Woodstock Institute, Web. December 17, 2009. .United States. New residential sales. , 2009. The web. December 31 2009. .