Just base it on capability to reliably pay a mortgage, and not Congresses wishes that everyone be a home owner. We've been down that road before.
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"DE-REGULATION"! IS THE WAY the GOP is paying back their wealthy donors!! AS SOON as these attacks on our safe guards take hold-we WILL SEE A RETURN to ALL OUT CHAOS of the housing market AGAIN!!!
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As it should. They are not based on what our actual score is. The Mortgage companies put in criterias and the fico score changes for their program. Honest should be the one we see, at all three bureaus, not the one made up for their banks criteria.
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