I fail to see why noone has brought up the Brokers, they also played a MAJOR part in putting people into homes they could not afford by any means possible, be it lying, up selling, saying the good ole "oooh it's interest only BUT you can always change in a few years"

Buying a house is everyones dream, and when someone makes a dream you couldn't see yourself doing a reality, you may not have someone else with knowledge to tell you "bad idea'

I almost did the same thing but my parents said no way on interest only, and they probably saved me from this scenario as well, but not everyone has that

Simply placing people into black/white areas as dumb and uneducated simply because YOU feel so isn't correct, and frankly quite rude

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