Patientrenter,
First of all you are right, I am a nice person to talk to, but to be blunt, capitalism is built on getting an advantage in the system. It’s legal and it is available.
I’m not sure how me getting this loan is taking advantage of people or screwing taxpayers? Also, “overpaying” is a odd comment. Once again capitalism says that something is worth what one will pay.
And I don’t feel a loan with a 40 year track record which has allowed many low and medium income families to afford homes, which by the way would always be unaffordable for these people is a bad “crackpot scheme”. I also have a feeling if you met the criteria, you would jump on it also.