With the American economy in disarray and 19 US Banks closing over the past year, the Bush administration has decided to unveil a plan designed for homeowners that would modify their mortgages and potentially bring some stability to the real estate market.

According to CNN's report, the government's plan will center on Fannie Mac and Freddie Mac, which handled over $5 trillion in home loans and were recently seized by the government due to record losses and potentially misappropriated funds.

Ideally, this plan would reassess home loans based on the individual and convert unaffordable and unreasonable payment plans into something that a family could sustain over a long period of time. This would limit foreclosures, overwhelming debt and even extreme circumstances, like homelessness.

As campaigning season comes to a close and America's prepare for an overhaul at the White House, the stock market also welcomed the impending change, boasting a 305 point rise of the Dow Jones Industrial Average and prolonging its six day streak in the black.

According to a feature on MSN, experts believe that the seemingly endless campaigning by Barack Obama and John McCain did little to help the state of the market, only lending to American uncertainty. Most expect today's decision at the polls to boost the sagging economy a bit, no matter who takes over office.