Let me get this strait: we ( the US gov't) buys FNMA and FRMAC....and then the FED keeps lowering the prime rate in an effort to get mortgages lower??? We bail out all the banks and buy their stock and forgive their loans yet the Fed Keeps lowering rates to try and get them to give loans? OK...how about this scenario: Since mortgage rates have stayed steady despite the Fed going to just about zero, and since these banks are on life support from us how about a simple solution : 1) If you recieved TARP money, you must offer 4.5 fixed rates to buyers who meet certain qualifications...if you don;t want to do that> F-you, no money for you and your bankrupt 2) why not use FANNIE and FREDDIe to offer the 4.5 mortgage rate you want to be at? line them up , get em done and all these banks that are hoarding cash will be out of the loop??? please feel free to tell me my idea is crazy....I am crazy right? We give CITI 300 bill but they don;t want to loan $$???