Very few of the mortgages were for financially supportable situations (ie well outside normal rent&#x2F;buy price ratio) and many were on variable rate loans. It was fairly obvious to savvy real-estate investors let along trained mortgage lenders what would happen.<p>I saw headlines pre 2007 discussing this. We have whistleblowers testifying that they were actively warning people.<p>Offer immunity to the first few in trade for testimony..