Perhaps you should let google be your fried babe__you're making an azz out of yourself again.<quoted text>
Helping those who "qualify" with a downpayment is a far cry from giving mortgage loans to anyone who can sign on the dotted line who can't afford an overpriced monthly mortgage.
It's unfortunate you can't see the difference - and why there's so much confusion today.
It was the ADDA that opened the door for the, cough, special products and the hi-jinks that followed quickly in the re-fi arena.
You really don't have a clue about any of this do you?