Fannie mae and freddie mac are psuedo government companies just like the post office. Sallie Mae is awesome, those guys know how to party!!! Their sales reps took care of me in vegas and dropped some serious coin. As far as the big private banks go let them bomb, I think everybody remembers how housing prices shot up for over a decade. Price is a function of supply and demand and they created an artificially high demand by giving every asshole a loan. So every person who bought a house in this country over the last 10 years has already been ripped off by them, and I have no more to give them.