Don’t we call or consider this kind of acts are all Fraud? What if after purchase of house price goes down?. I appreciate if FED would also give a buy-back gurantee for the first 20% down amount incase “if the house value goes down”, well this sounds funny but who is going to assure for future loss? – so these acts may be Fraud. Now this kind of high attractions would push many to fall into this false spending on housing… but where is gurantee for the price we are going to throw on housing?