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The only time I've ever taken out a loan is for the building work I had done at our house and I did that by extending the mortgage.

My dad did everything he could. It was a start-up, and the banks didn't want to lend him enough money, so he mortgaged our house.

We were the first bank to start a loan modification at IndyMac and had a very good record of working with the regulators.

I learned how to lend money by cleaning up the messes of others who had made loans before me.

We have seen the big loan servicers drag their feet in the Obama administration's well-intentioned mortgage modification program.

In the old days, when you took out a mortgage, it was probably through a local bank or a credit union, and whoever gave you your loan held on to it for life. If you lost your job or got too sick to work and suddenly had trouble making your payments, you could call a human being and work things out.

I had been working for eight years and all I had to show for it was this horrible debt. At one point we had the bailiff at the door.

I don't think anybody has indicated that I did anything but do my job at Fannie Mae.

I had loans in law school.