So basically we are back to doing no money down loans.  What happens if RE values drop 5% and the owners have to relocated or get laid off.  They have zero equity in their house to fall back on.  Why does sounds familiar?  People need to put significant money down.  I'm not at all saying that is easy, but it's what mus...more

Two words.. Community Bank.  I switched about 5 years ago and will never go back to one of the big boys.  Lower fees, friendlier staff, and WOW a bank that actually cares about their customers, and actually makes loans to people and small business.  What novel concepts!!