Dear Real Estate G*ds,

Thank you for the recent effort lowering interest rates and such. Nice jesture but that doesn't help me.

That helps people with cash in hand to buy up homes at current fire sale prices. They don't necessarily need your help.

Right now I need you to help my neighbors stuck with ARM's, and therefore me too. Sure, I don't believe for a moment that they did not know what they were getting into. Tell anyone "your cost is $______ for the first year" and I hope the next question is "what is it the next year?". And you're going to say "It was all there in the 20,000 page document you signed".

My Dad taught me that the 30 year fixed what I should have, and I do. But if they don't sell, or sell but at blowout prices I'm trouble. We all are.

Sure nobody forced my neigbor to do a beeeyoooteeful job on her home, go buy another and now have two mortgages one rising monthly. But she did and if you don't make ARM holding banks help their customers nobody wins. When the bank takes possesion they still have to sell ... in this market.

Please fix this before I'm done with my remodel.