Knoxville (WVLT) -- The home foreclosure crisis is one of the issues taking center stage in the race for president.
The question, what, if anything, should the federal government do to help people facing foreclosure.
Volunteer TV's Rob Pratt has more on one candidate's proposal, and what it could mean for you.
Senator Hillary Rodham Clinton has some very specific ideas about how to deal with the housing crisis.
But will her idea take hold?
And would it make a difference?
When Senator Hillary Rodham Clinton talks about the economy, she usually begins with home foreclosures and what she thinks the federal government should do about the problem.
Senator Clinton is asking banks to stop foreclosures for 90-days and freeze fluctuating rates on subprime loans for five years, or until they can be converted to fixed rate loans."
Loan Officer Sherri McCloud says, "I feel like she has good intentions, I'm not sure what she's proposed is doable."
McCloud is with Mortgage Investors Group and is on the front lines, helping people get loans that enable them to buy houses.
She says other lenders, particularly in parts of the country like California, are responsible for the problem, using adjustable rate mortgages and other risky techniques to enable people with questionable credit to buy homes.
She doubts a three-month freeze would make any real difference in the long run.
McCloud says, "I do think it would be just postponing the inevitable and with interest rates as low as they are right now, those people may be able to get in a better situation just through a refinance."
What about voters? Do they believe the problem will fix itself, or do they want the federal government to step in?
Knox County resident Linda Ratcliff says, "I think they probably might have to, because the banks won't step up to the plate and do it, because these people are in trouble."
Knox County resident Kristi Pendley says, "I think maybe it should just run it's course, I mean it's worked for so long, you know, why not just keep it going the way it is."
Senator Clinton's primary opponent, Senator Barack Obama, began calling for a summit on the issue in March of last year.
Republican candidates have said much less about foreclosures.
In August President Bush announced his plan.
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