[strandinthewind]

Originally Posted by irishgrl

my point is, at least in the SF Bay Area, and surrounding comunities, people can only afford homes (because of inflated home prices) WITH 2 incomes and WITH creative financing. The days of a fixed 30yr mortgage (around here) are about gone.

and sadly, when people NEED a home, and they find one they love, they convince themselves that its possible. They find out later (3-5 yrs later) that they were wrong (because in the meantime, Jenny needed braces and Jeff wants to go to a good school, etc)

I do not think I was talking about that -- you were talking about the evil finance companies. If someone bites off more than they can chew - who the fool