No Kidding...

It pays to live within your means and take care of your credit.

If you morons did this then there would not be rental propertys because everybody would own their own homes and have their own mortgages...

supply and demand.

if their wasnt landlords willing to take the chance on renters there would be millions of homeless... because most of you irresponsible idiots would rather buy a big screen tv and an over priced vehicle and spend like theres no tomorrow on your credit cards than be financially responsible...

and thats why you cant qualify for a home mortgage...

the rates have never been lower...and if you couldnt get your shit together when its never been cheaper to own a home then you never will...you missed your chance...

you could have locked in a low rate for 10 years and been set for a decade...

but instead you pay high rents...supply and demand...and the area where you choose to live dictates what you pay...

people are their own worst enemy's...

Instead they spend their money on starbucks and the gym...and drugs and alcohol and eating out and furniture and vehicles and shit and crap they dont need...