Based on history are you at risk of more mortgage default insurance changes?

See video

Potential changes based on "back to the future, what mortgage qualification looked like in the not so distant past:

Amortization reduced from 35 years to 25 years

Self-employed qualified strictly on tax paid personal income

Housing debt service ratios reduced from maximum 44 to maximum 32% of income

No borrowed or "free down" down payments

10% down payments not current 5%