Like almost every homeowner in the United States, I have had mortgages on my homes. As a first time homebuyer, Citibank gave me a great rate on my condo despite making a 5% downpayment. A few years later, Wells Fargo did the same thing for 10% down on my current house.
Today, the media makes all mortgage companies out to be crooks and with the "evil" of tobacco companies attached to them.
While there were certainly unconscionable abuses during the bubble, many people, like myself, benefitted from the liquidity Mortgage Backed Securities gave the market.