The federal government has stepped in to help stabilize the housing market, but what does that mean for folks on the South Plains? The federal government has taken control of mortgage giants Fannie Mae and Freddie Mac. Locally, homeowners could see lower monthly payments and those looking to buy could get into a larger home for less. Area realtors say the bank bailout means lending scores will tighten. "The intricacies of Fannie Mae and Freddie Mac are extremely hard for anybody to understand ... if people have good credit and good jobs its going to be business as usual," says The Real Estate Companys Martha York. York also says the best time to buy a home is right now while interest rates on mortgages remain stable.