Talk this week at Your Money about mortgages and putting stricter limits on who can qualify for one and whether or not the standard should remain a 20% down payment. I agree that the housing market became a mess. But I don’t know when we decided that it was the fault of the homeowners instead of the predatory lenders.

I should admit, we bought our first two homes with 0 and 2.5% down respectively. We’ve never been behind on our payments, and we certainly don’t treat our property as if it were disposable. And I don’t think we’re the exception.