With many homeowners facing foreclosure but not seeking help, state officials are launching an advertising campaign on buses and billboards and through print and radio spots to get their attention with the slogan: "Mortgage Late? Don't Wait!""Help ... Getting a refinance mortgage loan is a smart move for any homebuyer. This is especially true if the interest rates are low. In the world of finance, interest rates directly affect the way mortgage rates behave. So if the interest rates are low, then mortgage rates will also be low.