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Citigroup says it is imposing a moratorium on most foreclosures. Their plan will help borrowers remain in their homes, making Citi the latest big bank to announce efforts to try stop the decline of sinking mortgages.

Citi said it is also working to expand the program to include mortgages the bank services but does not own. Over the next six months, Citi plans to reach out to 500,000 homeowners who are not currently behind on their mortgage payments, but who are deemed as potentially needing assistance to keep current with their payments. This represents about one-third of all the mortgages that Citigroup owns, the bank said.

Citi is targeting homeowners in geographic areas with higher-than-average unemployment and foreclosure rates, primarily in Arizona, California, Florida, Michigan, Ohio and Indiana, Das said. The program is expected to affect about $20 billion in mortgages.