all political correctness aside, sub-prime people generally are scumbags. i've dealt with poor-credit folks in one way or other over the years, and they're basically dead-beats who you couldn't trust with $10 let alone $200k. it's funny how politicians get on their soapbox and say how we need to protect the subprime borrowers who are in danger of losing their home. cry cry, sob sob. bullshit. you wouldn't want these people as your neighbors. i foresee a lot of fraud with people trying to get their loans frozen by making up hardships and other sob-stories. these are the type of people who are likely to commit fraud. i'd bet half of them have outstanding parking tickets, overdue tax bills, or have bounced a check. remember, they lied about their loan. why would you trust them?