“No income verification, no asset verification” loans invited both lenders and borrowers to falsify information to obtain loan approval.Mortgage brokers and banks who focused on approving buyers for mortgageswithout regard to whether or not they would be able to afford the loans beyond the “teaser rate.”The expansion of speculators into housing markets.

What about the bedroom renter who invites his girlfriend to live with him?

I invite and encourage anyone who wants to specialize in it, too.  

Thanks for the reply and invite to the meetup.  

I have heard numerous stories from people who have never had to pay back subsidy. 

What is your current DTI and what are the dollar figure numerator and denominator numbers making it up?

If you're interested in reaching out and networking, I would recommend contacting @Kevin Carbon for an invitation to the local meet-ups in Lakewood, just a few miles from you.

If you waver in confidence, they might seize the opportunity to suggest something like - "we really intend to push for full compensation, but if you want this to go away, we will settle for (numerous dollars)". 

send me a colleague invite and i'll shoot you my cell #.

Thanks for the invite, I will definitely try to make it out tomorrow.