(NEWSER– The White House is fighting to make it easier for people with less-than-stellar credit to get home loans, a move insiders say will spur recovery. They're joined by housing advocates who say the improving housing market hasn't reached lower-income and young people. But the plan "would open the floodgates to highly excessive risk and would send us right back on the same path we were just trying to recover from," says a former Fannie Mae boss. Home loans for people with credit scores in the 620 to 680 range were down 90% last year from 2007 levels, reports the Washington Post.

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