There are a lot of homeowners who have adjustable rate mortgages that have not yet adjusted but will adjust in the near future.  To help avoid more people going into distress and/or foreclosure it would be helpful if the following ideas were given consideration:
1) Low interest refinance made available to all homeowners
2) Incentives to mortgage companies to lock in adjustable rate mortgages at low interest rates and without penalty and/or some closing costs to all mortgage holders
3) Waiver of some or most closing costs so that mortgage holders will be able to refinance at low interest rates without having to roll closing costs into the new note - especially for those mortage holders refinancing with the same company
4) For variable rate mortgages, no increase of the current interest rate for X amount of time (basically, an interest rate freeze) where interest lost can be taken off corporate taxes

This will help those who are soon to face a large increase of their monthly mortgage payment and possibly end up in a distress situation.