The ability to own private property is one of our most precious tenets of freedom and it is under severe attack. For me owning a home isn’t just an asset, although for millions it has been a nice savings/retirement account, it’s a fight. The CFPB and all the new regulation that have come out since 2009 (and especially the most recent implemented Oct 3) have buyers and sellers under attack. More seller rights have been eroded ie in Texas, the new contract states that the buyer is allowed an additional 10 day extension for closing if his lender needs to re-disclose due to the new TRID rules (TILA-RESPA Integration Disclosure). Lender, attorneys and title company had retool their entire computer systems to meet the new regulation which costs borrowers more money and time as well (once closing numbers are finalized a 3 day cooling off period is required for the buyer before being allowed to sign/fund and officially close). I’ve been in the mortgage industry for 20+ yrs and feel like all the old doctors getting out of medicine due to Obamacare but at this point, I’ll be damned if I’m going to let Obama run me out of the business of helping people own property. And yes, there are scummy people in this industry and there are honorable people in the mortgage industry but where the battle needs to come down is on Federal and State government, HOAs, property taxes, etc to keep them from harming our private property rights and making it so ridiculously expensive to own a home. I want all my borrowers to payoff their homes as soon as possible, that generates wealth for them and helps our economy.