What does a Trump voter, living in a home he can't sell still underwater from 2008, think of the president calling his mansion "a dump"?
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It would have been a housing bubble breaking, but probably not a worldwide financial crisis.
Also your language of "unworthy" borrowers obscures the role of ARMs, borrowers being pushed to buy more than they could afford...
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And also how poor a proxy credit score is for creditworthiness on a secured loan for a basic necessity.
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Getting into credit card debt at 21 is maybe it the best indication of whether you'll pay your mortgage at 37.
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