US officials on Tuesday unveiled a plan to aid homebuyers struggling to pay mortgages backed by Fannie Mae and Freddie Mac, in the latest attempt by the government and regulators to tackle the country’s wave of foreclosures.

James Lockhart, director of the Federal Housing Finance Agency, which regulates Fannie and Freddie, the two mortgage companies seized by the government in September, said that borrowers delinquent on their mortgages for three months would be eligible for a modification under the new plan.