In addition to being "traditional" an 80/20 mortgage is a good risk for the bank, which is probably why it is traditional. If it had not been possible to get "

In addition to being "traditional" an 80/20 mortgage is a good risk for the bank, which is probably why it is traditional. If it had not been possible to get "no money down" loans and to extract 100% of equity from a property through refinancing, there probably wouldn't have been such a bubble. Just as the the Federal Reserve was given the responsibility to set margin requirements for stock market investing, which most likely protected the system from bank failures during the internet bubble, it seems like a good reform in mortgage lending would be a regulation that limits the amount that a home buyer or real estate investor is permitted to borrow when purchasing real property.