As a voter, I take responsibility for putting you in office. As a proud American, I have selected you to represent the majority of the people in this country and do what is best (not for you personally or me personally) for the good of America. Republicans, Democrats and Independents, you have let me down. You have let the American people down. By not putting aside partisan politics to the highest levels of elected leadership, you have failed to address the key issues we have elected you to be responsible for: protecting the safety and security of our nation and our future. We have been let down in the past by previous leaders, but let’s put that behind us and move forward. We can’t change the past; we can only work today to make for a better future for us and for our children.

If the government owned the mortgage securities, they would have the power to allow the loan servicers to change the terms of the contracts, to keep people paying on their mortgages and keep them in their homes. This would have a ripple effect of stemming the tide of foreclosures. If the foreclosure rate goes down, surrounding home values go up. When surrounding home values go up, people once again have equity in their homes. Equity in their homes leads to a positive view of the economy. A positive view of the economy means the value of the mortgage-backed securities goes up. Then the government can sell these securities at a gain to the American government and the American taxpayer. Call your Congressman and tell them to cross the aisle and not pass the buck to the next Congress. Because, guess what? If you do that, you have lost what’s most important to you: my vote.