For many years the mortgage industry was not heavily regulated and many families were placed into situations that they could barely afford. As more and more families are finding themselves facing foreclosure they may not know where to turn for Mortgage Rates Help. But the subprime mortgage industry that created this disaster has finally faced the government and now there are heavy regulations in place to avoid this happening again. There are many programs available to help home owners. The federal government has launched their own program, and there are also many local programs being offered by foundations and non profit agencies.