you know what..... i bought a house 4 years ago......i actually read and calculated what i was responsible for. DOES ANYBODY ELSE OUT THERE DO THE SAME??? if i knew this, i would haVE BOUGHT 3 more properties and pushed what i owe to you all....LIKE EVERYONE ELSE IS DOING.....Im an idiot for siting down, figuring out what i will owe in terms of mortgage & property taxes...(not figuring in property taxes, is what i think is to blames for a HUGE part of this mortgage shit because mine have gone up 200% in 8 years in NY) and making a good decision on that....now im punished for ignorant or illegal idiots....thanks for ruining my and my daughters life you government tit suckers., you will have your way.....but to only be slaves again.,..be it by this bag of shit or retirement. enjoy youre pile of shit when im dead.