The intensifying mortgage problem has many complex inputs, at the forefront is the business cycle itself and government encouragement of many to buy homes they couldn't afford. Another factor that certainly plays a role is the government promise to pay some mortgages if you fall far enough behind. Encourage people to fall behind in their mortgages and that is likely what they will do.
Here a key requirement for the government to step in and pay your mortgage:
....eligible borrowers must:Pay somebody to be three months delinquent on their mortgage payment and that is exactly what they might do.
1) Be at least three months delinquent in their payments...
This is all further evidence of how government actions extend the duration of a downturn and prevent the economy form readjusting away from Fed induced easy money distortions in the economy. If someone is not capable of making outsized mortgage payments, then that person belongs in bankruptcy court and relieved of his debt obligations, which will free him to find a housing he can afford. Such person will feel better, without the dread huge monthly mortgage payment, and the economy can move on. Temporarily paying a person's mortgage only prolongs the agony for the person and the economy.