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Hey tanlang:
Just a thought.
Would it be fair to say that anyone that has to borrow money for a home is buying more house than he can afford?
No. I don't think it would. I can afford to pay my next three months house payments out of one paycheck without it keeping me from paying my other bills. I also have a savings account and no credit card debt even though I have cards with $25,000 limits. Also, I could have bought more house and been ok. I just figured that 1200 square feet was enough for a single man.
I am glad for you that you did not get ripped off.
If you are paid weekly you are doing very well.
My house was $35 K but then I refinanced to $95 K to settle up with the IRS.
Never had a credit card.
I struck out young into the workforce and did pretty well for a while until the rules caught up with me.
It would be valid for you to ask why I am a liberal when it was the government that took me down.
Such is life.