The Tax on Personal Financial Responsibility

Our Founders believed that a virtuous citizenry was essential for a sustainable republic, and that they needed to enact laws to promote those virtues.
On May 1st, Loan-Level Price Adjustments will go into effect, penalizing borrowers with good credit who make down payments when buying homes, and rewarding borrowers with lower credit who don’t make a down payment.
I find this troubling.

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