Homes along Clearview Drive that are priced between $594,000 and $899,000, according to real estate database Zillow, are seen in Los Gatos, California September 6, 2012. For decades, the government-backed programs that currently support Santa Clara's housing market aimed to help the country's blue collar and middle-class workers achieve the dream of home ownership. But five years after the collapse of a housing bubble, they now underpin almost every new mortgage taken out in the country, including those for four-bedroom houses in Silicon Valley that go for $600,000. The pervasiveness of the government in the nation's housing finance system - even in wealthy areas - is a sign of how dysfunctional the mortgage industry remains. Picture taken September 6. To match Special Report FANFRED/LENDING.
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