Internet Ad Freak of The Week

Last week, we featured another ad with an equally appealing gentlemen from stock photos for continuing education opportunities.  It looks this freak show may become a regular feature.  This week, we have another model much closer to a dirt nap than a power nap getting ready to refinance his house.  Even a 15-year mortgage looks like it would be a stretch for this guy.  Better get a fixed rate for a fixed income.  Do we really want to trust a mortgage company who would lend to money to this guy? Aren't these type of irresponsible lending practices part of the problem that has caused our banking system to start to tank in the first place?!?