[Puppage]

It does nothing to address the affordability

Nor does it, nor can it, address the stupidity of home buyers failure to fully understand the mortgages offered BEFORE putting ink to paper.

[goldstategop]

The ARMs and other exotic mortgage products were offered as a solution to the cost of a half-million dollar homes. They aren't. Sooner or later something will have to give.

"Show me just what Mohammed brought that was new, and there you will find things only evil and inhuman, such as his command to spread by the sword the faith he preached." - Manuel II Palelologus