385. OBulnder Mortgage Protection

Do we really need a multi-$M agency to protect us from LOW mortgage rates? Are we going to have people attaining mortgages, even corruptly, that they can't pay? Must we wipe their butts too with our tax dollars? How about everybody who is buying a house for the first time must pass a test? Even that would be cheaper than some money-sucking agency defining regulations (that will never be enforced) and drinking coffee until they collect pensions extraordinarily higher than private corporations. Sorry, just had to get this one rant out again. I HATE wasting money on useless government functions. Why not put these people to work to lower the fraud in Medicare, Medicaid, and other "entitlement" programs? Remember, OBlunder is out to HELP America. The only question becomes to where?