Comment: Anyone who thinks that the

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Anyone who thinks that the

Anyone who thinks that the mortgage industry is operating as a free market, and the collapse happened because of the free market, needs to have their head examined. I work for a "private" small business in the mortgage industry, and yet everyday I feel more like a government employee. There are four basic types of mortgages people can do: Conventional, FHA, USDA, and VA. ONLY conventional are free market loans. And conventional are still quasi-free market because of the many requirements mandated by the government. Everything else is backed up and subsidized by the government. Then there is the issue of the artifically low interest rates. Paul Ryan abandoned his principles to temporarily save a socialized mortgage industry failing. If he wants a free market ask him if he is willing to abolish the FHA and return interest rates to market mechanisms.

"Where liberty is, there is my country." -Benjamin Franklin