Families across the United States are currently experiencing massive wealth destruction. Even after the real estate crash that led to the financial crisis and the bailout of financial institutions, individual families continue to see their homes foreclosed and their life savings dwindle to zero. The government assistance programs that have been implemented so far have only helped the institutions that created this crisis, and the families who are suffering the most have yet to receive meaningful assistance. Foreclosures continue to occur across the country, in both suburban and urban areas. We can all agree that foreclosures in any neighborhood are harmful to the community as a whole as they devastate property values ​​and create funding problems for the parks and school systems in these neighborhoods. While the buyers of these foreclosed homes get these homes at low prices, everyone else involved gets hurt. Mortgage lenders are forced to receive less than the face value of the loan, borrowers are forced from their homes and all previous payments towards the mortgage are cancelled, and the community feels the ripple effects. From what has emerged 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 thought the risks they were taking were lower than the actual risk level of these CDOs. Many of the investment banks that were dealing with these CDOs were also investing in them,... middle of the paper... being in their infancy, the total bailout would be less than today. Investors would not have lost so much money on CDS and CDO instruments and the bailout total would have been lower. But that's the past. Even aside from what the government could have saved a year ago, this program needs to be implemented to help communities avoid even greater losses in the future. Foreclosures result in a decrease in property value, which leads to the deterioration of community municipal institutions, which will ultimately lead to less taxes for the government. A state guarantee of qualified mortgage loans should alleviate the foreclosure crisis we currently find ourselves in. It's time for the government to help individual homeowners now that they have helped large institutions. The time to act is now, before the losses become too great to alleviate.--