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Do we blame the mortgage broker or the mortgage applicant? Neither. Such questions are how the guilty get off.
Did predatory mortgage brokers create problems by intentionally lying to applicants? Yes. Either they are innocent or guilty. Answer: guilty.
Did many applicant who signed up for ARMs create their own problem? Answer: guilty.
It is not one or the other. Each party is either innocent or guilty regardless of what the other party did.
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