Can you please make your substantive points without breaking the site guidelines? You broke more than one of them with this post.

I'm sure you have a good point about mortgages and developers and banks, but it's more important not to set the forum on fire, and that is what the site guidelines exist to avoid.

If you wouldn't mind reviewing https://news.ycombinator.com/newsguidelines.html and taking the intended spirit of the site more to heart, we'd be grateful.