The next step would be to make a new business of creating new car free communities dense enough in population to enable creation of viable local economies. The refinance approach is just a sort of elongated cool aid thing.
Global Online Privacy
8/25/11
Obama would do better to bulldoze the sprawl
Obama May Propose Mortgage Plan - The Daily Beast: "President Obama may propose a plan to allow homeowners with government-backed mortgages to refinance at today’s lower interest rates of about 4 percent. The move could save homeowners as much as $85 billion each year and would free up money that they could then spend elsewhere. Homes with government-back mortgages lost 5.9 percent of their value in the second quarter—the steepest drop since 2009. "
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