Foreclosure Austin reports the Federal Deposit Insurance Corp. said on Friday it is encouraging banks to lower mortgage payments for the unemployed or underemployed for at least 6 months.  The move would only apply to a very few institutions that bought out failed banks and participate in loss-share agreements with the truculent FDIC.  In these financial deals, the agency covers some of the losses incurred on the assets of those failed banks. Some 53 institutions, mainly regional or community banks, have taken advantage of those arrangements since January 2008.  Skeptics think the program is too little, too late.  Time will tell.