How Many mortgage brokers just promised the exploding ARM client that they could refinance in 2 years VS. how many counseled them on credit repair and the fact that even credit repair and modest wage increases would not save them from being upside down and a liquidity crunch? Sorry Jon but it sounds like you are saying…”if they only would have listened to me my clients wouldn’t have gotten hurt”.Well maybe where you live but as JWM said, “not around here”. In too many cases the only thing that would have worked around here, for the marginal buyer, would be to tell them it was a stupid time to buy or get a loan for that matter.