They are incapable. What's its been like a month now and I get a phone call from some Azura Lending or some name like that, out in California that due to changes under the Trump administration I am now pre approved for up to six hundred thousand dollars. Wow, that blew me for a loop, I am lucky to make it to the fifty thousand offers often sent through the mail of which I don't entertain the thought of. I can just see it now, many people are going to lose their homes, the second coming of a housing crash.
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You're not wrong about the lending. However, I leveraged a $800 personal loan at 29.98% from a sketchy outfit called 'The Associates' into a home loan at 15% interest only with a 3 year balloon. I paid that off in full and on time too. Not everyone that falls for the scam will get scammed, because some of them, as I was, are absolutely dedicated to making it work for them.