Many home owners are being forced to foreclose their homes because the banks are declining to offer adjustable rate mortgages en masse. With homeowners unable to meet their monthly payments, the blame seems to be heading towards the Treasury Department which oversees banking institutions. Banks seem to be offering adjustable mortgage rates to only 1% of home owners while the bulk of homeowners are forced to foreclose, the wrath to adjust mortgage rates seems so widespread in most banks and the real victim is the innocent homeowners unable to make monthly payments.