(and I don't sit on the left) Much of our conservative thinking in government comes from religious beliefs which promote conformity, obedience and the condemnation of what a particular group agrees to be immoral or evil.

Mental illness, bottom line definition seems to be when someone fails to conform to the expectations of society due to any personality or physical manifestation....while we try to label disorders that are similar.I don't know if evil is in all of us, to some degree, but there are certainly evil people.I think Jason has a point too, going further, evil may only exist if there is good.

He also knows who is writing loans at the time.To clarify...does your guy specialize in small regional bank brokering or does he write conforming loans too?

So, is it still possible for the homebuyer to take a conforming loan for $417K and a second upto 80% LTV (about $143K)?

Those who use the term easy believism are confusing justification—the one-time act of being declared righteous by God—with sanctification—the lifelong process by which the justified believer is conformed to the image of Christ.

(Says the guy nervously who recently loaded up on non-conforming property!)

You might get that rate personally if you have good credit, good income, and can get a conforming residential loan.

If they don't have other debts 36% (which is conforming conventional loan ratio for all debt) should be easily doable.

Wholesale conforming rates are 4.345% right now for 30-year money!

Price has almost everything to do with any property or anything else for that matter.Is your property conforming to the area (similar size, ammenities, layout, lot size, etc. to all the other homes in the neighborhood?