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Why did the housing market FAIL?  GREED, CORRUPTION and IGNORANCE!  In 2003, I was taking some Mortgage Banking courses to obtain my Mortgage Banking Certification.  One of the courses was introducing, what they termed “New” instruments for financing mortgages.  The new instruments were not available in the state of Texas at that time due to the state Homestead Laws.  However, later that year they would become effective because the laws would be relaxed allowing homeowners to decide if they wa

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