There are as many starting points for the meltdown as there are fears about how far it has yet to go, but one decisive point of departure is the final years of the Clinton administration, when a kid from Queens without any real banking or ... There is a wide variety of lending institutions that offer home mortgage loans, including savings and loan associations, commercial banks, mutual savings banks, and mortgage companies. The lesson therefore is never limit yourself to just one option when you can have several.
