And, it rewards the speculators who ...Give incentives to buyersArizona Republic, AZ -33 minutes agoBesides, it penalizes the homeowners who made a conservative decision of getting a fixed-rate mortgage at a higher rate. Home is where the heart is. That much is true. But home is also where money is. As the saying goes, "There's nothing like a home for a good investment." Touché. This is why for most people, buying a new home is probably the biggest financial decision they'll ever have to make.