• Most congressional Democrats say the quickest way to save homeowners is to let them declare bankruptcy and allow judges to dictate new mortgage terms. More than 100,000 Massachusetts homeowners who cannot refinance at current low • Frost Mortgage is an Albuquerque New Mexico home loan and FHA financing net branch leader. You know I just heard a quote from a long time mortgage man that we Mortgage Bankers were toast and that after April, 2011 we would all be out of