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i read that the the 70s and early 90s were bad but less so on a national level. supposedly, the last time a national house decline of more than 20% occurred only in the great depression. i think we might see 20%+ loss this time so great depression?

I do not understand IPOPLAYA's comment that there isn't really much difference between these two options for a buyer: 1) smaller loan + higher mort rate or 2) larger loan + lower mort rate even though both options would have the same P&I per month. You would always want option 1-- the lower...