banking has been very successful in obfuscating the truth...this is why the NY Attorney General Eric Schneiderman is being told to "play nice" in the settlement "deal" with the banks, because when he does an investigation into the whole "mortgages securities" fraud -- -he will discover the TRUTH!! No Rick, The government purposly inflated the housing market to profit package, sell, re-sell, and did I mention re-sell your mortgage. Carie is 100% RIGHT AND ON IT, I also fought and won. But the banks are the big boys puppets, sure Brian Moynihan BOA CEO makes 100 mill a year to be that puppet and hear the grief. But the banks are just servicers or THE PRETENDER LENDER, and it is fraud to the highest degree. It makes John Ghadi look like an ametuer ORGANIZED CRIMINAL, that is exactly what all of this is and was intended to be from the start is RACKETEERING, and a 100 other federal felonies, but who is going to enforce the felonies when it is the FEDS who commited them????? THE ANSWER IS YOU, THE PEOPLE, THE CARIE'S, THE PAM'S, EACH PERSON ADDS UP, YOU TUBE, AND EVERY OTHER POPULAR MULTI-MEDIA FREE SPEACH SOURCE OUT THERE, WILL EQUAL DEFEAT OF THE CORRUPT GOVERNMENT, BUT NOT IF WE TAKE IT LAYING DOWN. We must stand UNITED OR WE WILL FALL, but this war is against who we thought were our allies. Carrie, thank you for all the information you provide, which makes sense.  It's simply ludicrous