They should tighten rather than deregulate. Tightening would result in lower prices as well. If a 20yr mortgage suddenly became the only option, prices would d

They should tighten rather than deregulate. Tightening would result in lower prices as well. If a 20yr mortgage suddenly became the only option, prices would decline in a big way. Of course, things might go the other way with 40yr mortgages etc