Finance and Money classes should be mandatory if one is entering into a mortgage, much like marriage counseling. I don't understand why people are so attached to a box. The young man facing 12% and a ballon payment will face disaster a second time. While working for the shark save your cash and buy a distressed property for CASH, then use your skills to improve. Two years in the motel will do it. Why subject yourself to more usery? Unfortunately, Americans live isolated, and those who are fortunate are unwilling to share. Maybe our current times will bring about great change. Not just societal, but also spiritual.