Treasury, FDIC Said to Consider Guarantees to Stem Foreclosures

``The plan, which might put as many as 3 million homeowners into affordable loans, would require lenders to restructure mortgages based on a borrower's ability to repay. Under one option, the industry would keep lower monthly payments for five years before raising interest rates, the people said.'' -- Almost there... problem is income is going to be lower for a lot more than five years...