'Half the world is made up of people with something to say but can't & the other half is made up of people with nothing to say but keep on saying it anyway.'
If they can't afford an extra $500 a year or $41 a month they shouldn't be buying a house. I guess another bailout like in 2013 of the FHA is more preferable. Taxpayers dont want to buy you another house which you will most likely default on.