They say the plan John McCain is promoting is unlikely to solve the housing crisis that's pushing the ...WASHINGTON — Ordering the government to buy up bad mortgages to cut homeowners' monthly payments might sound good, but experts are skeptical. The very faceless nature of online mortgages makes them difficult to trust. There is, after all, much sensitive information that you would have to give out when you apply for a mortgage. Such information may include your social security number, your full name, your address, your monthly income, et cetera. Thus, it is therefore advisable that you only conduct these types of online transactions with an established institution.