I'm all for helping the people but again, I never got in over my head and refinanced at 5.25 a few years ago, and my mortgage is almost paid off (in early 30;s) due to double income no kids (about to change)and not being stupid with my money. Also we made a very modest income as well.
Agian, more stuff not helping me but if it helps others, I guess we all benefit with housing vlaues, but then I am not planning on selling.
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