As the U.S. mortgage rates drop to lowest in 37 years people are searching for mortgage help and free credit scores report to see how they can benefit from this new lowest mortgage rates and see if they can get mortgage help by refinancing their current mortgage.

The Federal Housing Finance Regulatory Reform Act of 2008 passed the senate with an overwhelming 19 to 2 vote. The new act is designed to help stem the foreclosure crisis and to reform regulations of Fannie Mae, Freddie Mac and the Federal Home Loan Bank system.

Modifications have been approved to the FHASecure program by the Bush Administration. The new modifications will help even more struggling homeowners keep their homes while reducing the risk to tax payers.