Banks and real estate sellers in 1998
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Banks and real estate sellers in 2025
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My wife and I bought a really nice two story brick town house in an upscale neighborhood, plus a brand new Jetta, with no credit history, $0 down, on a combined household income of exactly $80k. Real Estate was so cheap that the town house qualified for an FHA loan.

The US Government was fully functional with a budget surplus. 25 years of neocon, liberal, and fascist government has brought us here.