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People got loans that should have never gotten loans in the first place, end of story. All these lenders saw was the big $$$ and they were making shit up on their applications just to get them in the door. People that were buying the house were not going to take time to read the fine print or do some research, they were getting a house and that was their dream. Everyone needs to shoulder some of the blame because everyone had some part in creating this mess.
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