[quote=bearishgurl][quote=AN]Why set a arbitrary low limit like $250k? Why not require 50% down and have no limit? A $250k with 5-20% down is much riskier than a $500k loan with 50% down.[/quote]

Actually, I believe in other countries, including some countries in Europe, a 50% downpayment IS required when buying property.[/quote]
Talking about other countries, isn’t it true that most don’t have fixed rate mortgage as well?