| 1 | In some cities, people who have paid their mortgages for a decade have little or no home equity. | |
| 2 | But non-prime borrowers - about one-third of US households - do not have much access to mortgages and credit cards. | |
| 3 | We have millions of families across this country that, through no fault of their own, are in trouble on their mortgages. | |
| 4 | The impact on the banks would be felt not just in defaults by developers and mortgage borrowers, but across the economy. | |
| 5 | But these products are still among the least competitive and account for only about 2% of mortgages lent in recent months. |
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