You can design a mortgage system that is different without a Fannie and Freddie but there are principles you have to have to have a good system.
Design must seduce shape and perhaps more importantly evoke an emotional...
I'm selfish impatient and a little insecure. I make mistakes I'm out of control and at times hard to handle. But if you can't handle me at my worst then you sure as hell don't deserve me at my best.
