“Personally, I think that we should get rid of FHA, VA, Cal Vet, and the GSEs.”
Amen.
The current housing insanity started in the 1960’s with FHA.
Whenever the government gets involved in free markets (FHA, VA, GSEs, etc) they f*ck them up.
If you do the research you will find that all these govt programs that are intended to make housing more affordable have actually made it LESS affordable.