Okay, one more time.
The bankers do not WANT you to stay in your home. A monthly payment stretching 20 years into the future does not help the bankers. They need to grab the entire value of your home as an asset on their balance sheet, to offset the losses form the forced repurchase of the fraudulent mortgage-backed securities. Otherwise they go to prison for fraud.
This is forced wealth confiscation, done in a way to trick the American people into thinking it is their own fault they lost everything.