Homebuilders promoting toxic loans

Homebuilders are accumulating inventory. In order to move this inventory, they are willing to promote non-conforming loans to people who could not afford a conforming loan.

Centex Homes: Affordability Days
Ryland Homes: 40% off mortgage payments
(Thanks Bubble Meter)

Home buyers: my suggestion is if you cannot afford to make payments on a 30 year fixed mortgage, then you simply cannot afford that house. Actual affordability is virtually gone, and once buyers stop risking their financial credibility with non-conforming loans, house prices will have to realign with reality.

Please link to other similar promotions you come across.