> > These people would rather people like me be forced to
> borrow from unscrupulous >mortgage brokers who are
> permitted charge higher interest rates, and  unregulated
> fees,

> Who is forcing you to borrow?


no one, i could have remained a renter for the rest of my life, chose not to 
pay 8% interest, and never becoming a home owner...  fortunately, i was able to 
sell before the balloon payment became due and the market collapsed, and use 
the capital gains to pay cash for a house in eureka.  just plain dumb luck.  

NO,  you can't have my house.  
are you ever going to tell us who you really are, john, 
and what tax bracket you are in?~)
jon


      
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