If you are interested in just how criminal the whole housing crisis has been handled read the article I posted on facebook titled Mortgage Settlement is Great For Politicians and Banks.
A sample of what is said:
In the words of business consultant Susan Webber, who blogs expertly on financial matters under the pen name Yves Smith, "We've now set a price for forgeries and fabricating documents. It's $2,000 per loan." She observes, quite properly, that the payoff is a minuscule fraction of the costs these practices have imposed on borrowers, the court system and the economy.