Yeah, in my case I was far from a sub prime borrower. When everyone's rates adjusted up in the 2007-2009 timeframe mine went down. I was using a responsible m

Yeah, in my case I was far from a sub prime borrower. When everyone's rates adjusted up in the 2007-2009 timeframe mine went down. I was using a responsible mortgage tool. The problem was, people without an 850 credit rating were getting these same loans without great terms upon adjustment.