Probably are. I have a quick one back in 2007 a retired school teacher came to the dealership to buy a car and on credit app she said $2500 month income. Well run credit it was bad score and had a 1 year old mortgage that was past due and payment was $3500 a month. I ask her about it and she said my house is paid for that is my daughters house in Atlanta she pays for it. The acct was only in her name not joint......Freddie and Fannie were loaded up with loans like that.