Deja vu all over again: Fueling the next housing meltdown

Low down payments, risky mortgages guaranteed by government entities, rising defaults -- haven't we been here before? Isn't this the same mix of easy money and poor risk-management that blew up the housing market in 2007 and 2008?

You'd think the mortgage industry and the federal government would have learned their lesson since the housing bubble's collapse. But you'd be wrong. Essentially, nothing has changed, except the names of the government-sponsored enterprises.