DAYTON, Ohio -- There were mixed reviews Tuesday night on what the government wants to do to help hundreds of thousands people on the verge of losing their homes to foreclosure.

The plan is for mortgages owned by Fannie May and Freddie Mac, which the Federal Government took over in September.

This government plan is not part of the government’s $700-billion bailout.

Tonya Brenner of Dayton is a single mom and she said that she is current on her mortgage payments but everyday seems like a struggle.

Brenner said she would love to see the interest on her mortgage drop. Under the new Fanny Mae and Freddie Mac mortgage plan she gets no help.

The people who will get help is people who are at least 90 days behind on mortgage payments, you owe at least 90 percent of the homes current value, you live in the home that has the mortgage and you cannot have already filed for bankruptcy.

Many people said they fear the mortgage crisis will get worse before it gets any better.

Those eligible for help could see lower interest rates for up to five years and homeowners would see the life of the mortgage increase maybe up 40 years

Some lawmakers already calling on the Bush Administration to push ahead with separate mortgage guarantee program connected to the $700 billion bailout.