Q: It seems like every month the federal government passes a new housing bill that's supposed to help the real estate market crisis. I'm a homeowner, and nothing has gotten easier for me -- my mortgage payment is still about to adjust, the interest on my adjustable-rate line of credit is still going up, and I'm still upside down on my home by about $25,000! Are there any of these laws that I should really know about or that can really help me out? A: Late last year, the federal government started responding legislatively to the upheaval in the housing market. Some argue that the resulting laws have been too little; others feel they are too late. My guess is that with the upcoming election, we have only just begun to see how the federal government will intervene in this thing bef...
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