We have confidence in you and your financial understanding. But let me reify the 818k job loss. Most jobs are going to illegals thus many will not be able to pay for their 30 mortgages that they took out ten years ago especially those that have legally migrated. In essence you pay 3 times the amount for a house when taking out a 30 year mortgage at 8% but most of those first ten years are paying off interests and they have little equity in the property. When citizens can't pay due to illegals getting all the jobs, the bank forecloses on the mortgage, they get full collateral of the house and can usually sell the house for more due to home improvements, yet they received the lions share of interest in the first 10 years, leaving home owners busted. This is a Wall st scam that has been played on the American public with their political bribe takers since the invention of financial institutions. If you are not one of them, never take out a mortgage because they target their opponents financially.