Sub Prime Mess - Realtors get a bad rap!

After debating the sub prime mortgage mess for some months now, I firmly believe that Realtors are going to bear the brunt of the blame. Why, because Realtors are an easy target, and not directly connected to the money trail that is created when a mortgage application is created. Underwriters, appraisers, etc., plus the people in the back room that put together some of the most unusual mortgages for individuals to get approved for, have retreated into the darkness. Mortgage brokers by large numbers have left the business and now Realtors will be responsible for keeping the market more stable by creating better reporting on closed sales. Consessions in the purchase provided for extra money to be lent to the buyer by the bank, and the home had to appraise for the full amount. Hello, did anyone anticipate a lower market that would eat up equity and cause a meltdown?  Yes, markets always change just like the stock market. Banking is not a new business, it's been around since cowboys. Let's act like we know what were doing in the future.