What does economy need these days? Well, we have been longing for the right answer to this question, similarly to our desire to economic boost. Lots jobs were lost for the past several years, which resulted to the growth of foreclosed homes. No one can pay off a mortgage without a job and you can't save a mortgage with payday loans. One has to wonder if any of these bailout programs did any good. Thus far, the evidence is against it. For instance – Make Home Affordable, the government aid program for homeowners with troubled mortgages along with some other government aid programs to help stem the tide of foreclosures. The Mortgage Banker's Association has reported that one in seven mortgages is in foreclosure, though to be fair, that probably has more to do with the unemployment rate, rather than anything else.