Fannie Mae Home Ready Program- Repeat of 2008?

[Therese V.]

http://news.investors.com/ibd-editorials/010716-78...

The above article explains a new program Fannie Mae will be instituting that allows people to come together (whether related/living together or not) and pool "income" amounts to qualify for mortgages.

The article poses the idea that this is what called the mortgage crisis and huge increase in foreclosures across the country from 2008. What do you think this means going forward? Will the same thing happen again this time?