Halfway through a rather pre-dictable speech before Congress on housing woes in September, Federal Reserve Chairman Ben S. Bernanke suggested something radical for the mortgage industry: Why not show a little creativity in financing home purchases?rnHe's got a point. It's just possible that variations on the standard 30-year home mortgage might have facilitated homeowner-ship without precipitating the collapse in subprime lending that is now killing borrowers and lenders alike.
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