Help for mortgages is good but not enough

"A new federal program that lets the unemployed defer all or part of their mortgage payments for 12 months or more will provide a real safety net for families that need a temporary bridge to save their homes. But the program is too limited, applying only to loans backed by the Federal Housing Administration. Foreclosures today are more likely due to a homeowner's unemployment than having been trapped in a subprime loan. A large-scale program that grants the jobless a decent reprieve from mortgage payments is needed."