Re: You can take anything I say with a "grain of salt"...but...

Good God! When we went to buy a home about 10 years ago, my husband had a 50K income. We wanted a house in the 110K range, but mortgage lenders kept telling us we could afford so much more. They were far from being in full disclosure mode, explaining all options to us so we could make an intelligent decision. We KNEW what we could afford. People who fall for mortgage lenders' crap are lambs to the slaughter. They are the same as car salesmen. Sorry. I'm not trying to insult you here. This is just what I see every day. Do consumers have responsibility? You better believe it. They're like kids in a candy shop when they're told they can afford this beautiful house instead of the more modest one. In that they are absolutely to blame. Everybody wants more, more, more. You kind of believe that people in the business are there to help you, kind of like doctors, and know what they're talking about. Well, they don't. They couldn't care less about you. I'm sorry, but you are part of the problem. Good luck with your hot tub and your beautiful house and your cars and your money and your asset sheet and your . . . . . . . . . (keep filling in the blanks). If that's what makes you happy, God bless you. I hope you make 100 million more.

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