WTH? Who put a gun to anyone's head and made them buy a house they couldn't afford except with a bank loan they couldn't make the payments on, who put a gun to their head and made them sign the loan, and how they hell do they deserve owning the home when they weren't the ones who paid the price that went to the seller and didn't make the payments they agreed to? They're VICTIMS? You sound like a liberal! No, they played along with the scam and got to live in an above-their-means house for as long as the low intro APR lasted. Cheaper than rent. Then their unearned windfall (taxpayer footing the bill) ended when/if they couldn't make the payments they agreed. Not victims. What, are you one of those free-loaders yourself?