Mortgages and the Federal Government are linked closely together. The Federal Government insures the majority of mortgages and they try to help homeowners with delinquent mortgages because a mortgage default hurts the economy and no government wants that. Unfortunately, the government programs available to help delinquent homeowners varies from month to month depending on the politics of the moment. Your eligibility for any of these assistance program requires a careful review of your particular facts by a professional attorney or mortgage consultant.