If you're a homeowner in trouble with your subprime loan, don't assume all is well now that the Bush administration is crafting a plan to assist -- or at least that's what industry analysts are saying. A New York Times story today reports that analysts say the effort "could help only a small number of those who took out such loans."

Though administration officials have yet to agree on crucial details with mortgage lenders and the securities industry, a similar effort in California is likely to help about 12 percent of borrowers in the state with adjustable-rate subprime loans, according to estimates by Barclays Capital.

In case this number hasn't been hammered into your brain already, about 2 million homeowners with subprime mortgages are likely to see big hikes in their monthly payments "in the next year or so as their introductory teaser rates expire," the Times says.