It's up to us to help.

Two important issues can assist many in today's economy. Two important issues can assist home buyers and home sellers.

The first issue is that of overpriced properties on the market.

A story late last week in FLORIDA TODAY headlined "Realty's Reality hits home" really stuck me as serious.

I have always given sellers, when I am representing them, the opportunity to begin a listing with a higher price than I have recommended. I tell them the truth, as I see the market, but I want to give the seller the benefit of the doubt on price because reducing a price is much easier than raising it. Realtors give an opinion of value, but we always hope that the home will sell for that which the seller wants so that the seller is happy.

On the other hand, when working with a buyer, we want the best deal possible so the buyer is happy. In spite of its beauty, extras, condition and original price, the home must be priced sensibly. Let's all stop dreaming and get to the truth in this market. Let's reduce the overpriced properties.

The second issue is truly paramount in Florida and throughout the United States. This issue is the "The new home-loan aid." As I read and study this plan, I am astounded at how few people will be helped.

How can we say that we are assisting homeowners in trouble with mortgages they cannot pay if fewer than 2 percent of the troubled homeowners will be helped? Yes, according to my interpretation, government officials "had no estimate of how many homeowners would qualify but these are their guidelines:

--- borrowers would have to be at least three months behind on their home loans.

--- borrowers would have to owe 90 percent or more of their homes' values.

--- Investors are excluded.

--- borrowers who have filed for bankruptcy are excluded.

Qualified borrowers would get an interest-rate reduction so the borrower would not pay more than 38% of their gross income. Loans could be extended to 40 years, and some principal could be deferred interest free. This is a very weak. Is there a better way?

The first step if you are in trouble or going into trouble: Ask your lender for a rate reduction, an extended plan for payment, forgiveness for one or two payments. Do not stop asking.

The National Association of Realtors is recommending that the $7,500 first-time homebuyer tax credit be made available to all buyers and eliminate repayment. NAR also recommends "Getting the Treasury relief program back on track and targeting more funds to mortgage relief."

If you agree, call and write your legislators to become involved and back programs that help many people, not just a small percentage of those in trouble.