Work with fellow Democrats to provide additional federal assistance to help homeowners to restructure their mortgage loans and meet their obligations. The steps announced by the Bush Administration will affect only 80,000 homeowners through modest changes in lending requirements of Federal Housing Administration, without Congressional action.[9] The infrastructure is already in place through principle mortgage lenders Fannie Mae and Freddie Mac to be able to help thousands of additional families refinance their mortgages if Congress makes necessary funds available to guarantee loans. Remember, this is not about the federal government bailing out homeowners – it’s about enabling people to get a loan guarantee that’s affordable, with fair terms, and fixed rates.