Keith the banks here are following in the footsteps of all the private mortgage lenders in the US. See what happened? As Mandi stated, mortgages were approved for just about everyone, then they couldnt pay back and now there are middle class families loosing everything and living out of their cars. Sad....

There is no issuance of loans these days from the banks, and they have also halted any mortgages. Perhaps they are wising up?
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"Diplomacy is the art of saying 'Nice doggie' until you can find a rock - Will Rogers"