They are either trying to screw us, or else they are very frightened of something. Probably both.
They're absolutely trying to screw us, and they're absolutely crashing the economy on purpose.
There is no other LEGITIMATE explanation.
If you were trying to destroy the economy, our country and our way of life, what would you do different? Probably NOTHING.
The biggest screw over is the high credit score mortgages now have to pay higher fees to offset the low credit score applications. All in the name of DEI.