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In recent months, barely a day has passed without news or commentary on the growing number of delinquencies and forecloÂsures in the market for subprime mortgagesâthat is, highÂer-interest loans to lower-income borrowers. With stories of homeowners facing the loss of their homes, some policymakers are pressing for government intervention in the market. Is federal assistance required or will it just leave taxpayers on the hook for billions of dollars and make things worse for the economy? And what can homeowners do if theyâre concerned about the possibility of foreclosure?