Banks are not in it to "do the right thing" and help Bill & Jane Doe own their dream home or open up a business. They are in it to make money and rip you and I off at any possible chance they can get. Banks to me are the biggest frigging scam artists out there besides the insurance industry.

But in this case, they are gonna protect themselves against doing the same thing again. Gone are the days of a guy making $45K a year and having a $350K house with 2 Escalades in the driveway [[should have never been that way from the start). I'm not well versed enough in mortgage options to really do a deep dive into meeting criteria to be approved for a mortgage, but for those with student debt [[like myself) it can be a challange at times. There should be option's for people in that position, but to my knowledge, there aren't.