“Last year, the FHFA eliminated upfront fees for first-time buyers who are at or below 100% of their area’s median income, or 120% in areas that are identified as ‘high cost.’”
https://nypost.com/2023/04/16/how-the-us-is-subsidizing-high-risk-homebuyers-at-the-cost-of-those-with-good-credit/
More liar loans like in 2007?