What If Mortgage Re-Financing Were Simplified?

What if mortgage re-financing were simplified? What if there were not so many pages in the legal agreements? What if you did not need a legal assistant to understand it all? What if you really understood all that material you were signing?

What if you had clip to read it all before the adjacent Federal Soldier Modesty Rate tramp next quarter? What if mortgage brokers had and easier set of paperwork so they could assist more than people re-finance?

What if the shutting costs, fees and interest rate issues were easy to cipher to compare for consumers? What if you did not need to take degree two college social classes to mathematically cipher these things?

What if the average citizen did not pass 40% of their income toward their house payments and could salvage more than money for college and not have got to utilize those credit cards so much?

What haps if they maintain raising rates and too many people had variable rates because they did not understand the problems associated and existent costs when rates rise very high?

What haps when the foreclosure rates addition because too many people had variable re-finances? What haps when too many foreclosed houses are for sale and cause decreased terms in lodging market?

What haps when all those people who took equity out of their homes during a recent re-finance to pay off short-term credit card debt and then happen out that their houses are deserving less than their loan obligation? Volition this also cause a cascading consequence of more than walk-aways and forclosures?