Originally Posted by
qtiger
Best thing to help the housing problem, which was caused by people buying houses they couldn't afford...
is to help more people buy houses they can't afford.

I don't agree there. being well within spending limits on a 30 year fixed for a young couple doesn't mean they have 10k + that they can just throw as a down payment. It doesn't mean in any way that the person is buying outside of their means.