Bobert - That's the funny thing about it. While they say they are trying to keep mortgage rates down, at the same time they are raising the bar as to who qualifies for a mortgage. And while all of this is going on, people with adjustable rate mortgages are paying through the nose. Couple all of that with home values dropping, many of the adjustable folks will just walk away.

             Frankly, I think somebody saw this coming when they made it impossible to file bankruptcy.