It is deemphasizing down payment more than credit score, but only for people with good credit. They are literally telling they world why they made these change

It is deemphasizing down payment more than credit score, but only for people with good credit. They are literally telling they world why they made these changes and you are criticizing Reason for taking them at face value. It's an increase in a 1 time fee rolled into the loan which equates to an increase in the month to month mortgage which is constant. It's perfectly honest to state it how they did.