Will a Gov't. Loan Modification Plan Work?

"The FDIC has had better ideas about how to solve this mortgage crisis than anyone else in the Bush administration," Schumer said in a statement released Monday night. "We hope that the White House will listen very carefully to the FDIC's proposals."

But whether the FDIC has all the support it needs to push through its proposal soon is unclear.

A source who has been following the negotiations closely told ABC News that he did not believe the announcement of a plan was imminent.

Harris, meanwhile, said she's worried that even if a plan is announced soon, it won't help her. She's afraid the government will only seek to help those who are already behind on their mortgage payments.

She's made her payments on time so far, but she's not sure how long that will last.

"I'm sliding toward there," she said. "I'm not there yet."

ABC News' Charles Herman contributed to this report.