First I would like to thank my brother for offering me this opportunity to throw something out there and have a discussion. Yesterday I was thinking of the whole retarded mess that the banks and lenders have put us into and the fact that I will be paying for these fuckups for awhile. So how about this. A 4.25 percent 30 yr fixed for everyone mandated by the government for those banks wanting or needing bailout monies. I know, I know, so let me be the first to play devils advocate and say the banks won't like it or won't go for it. Then I say fuck um. Fine, you don't get any money, how's that taste? But here's what I see as a plus. First those like myself that qualified for a loan can refinance and create jobs. Put more spendable income in my pocket so I can then put it back into the economy. Second, for those in trouble, reassess their house back to what they are really worth then refinance. Lower their payments and create jobs. Again I hear you, the banks and share holders won't like it. Fuck um. At 4.25 they will still be making money versus not making shit and carrying bad paper. For those who don't own at this time, offer a five year voucher for this rate so that when the housing prices stabilize they too can buy. For those that have lost their job, the same offer based on their previous job and skill level with a 12 month payment deferment program so they can get back on their feet. I was always taught that a roof over my head was shelter not a means to another shelter aka a long term investment. So lets get everyone into a shelter. The banks will still make money, though not as much. So what, they are greedy bastards anyway. Poke holes in this so I can get it out of my head.