Dear Editor:Why am I and many others not surprised that there is a “mortgage crisis?” Because, this was engineered by the Federal Reserve Board. These are 14 appointed lenders who look out for lenders, not borrowers.Lou Dobbs (CNN) talks about the “War on the Middle Class,” but never attacks the Feds. Why? Either out of “policy” of CNN or a lack of understanding. The Fed’s 14 members, lenders and economists don’t give a “rat’s ass” for the pain that is inflicted on the middle class. They permitted goofy mortgages with changing interest rates, negative amortization, and the list goes on. Now, foreclosures are at an all time high so they can “steal” homes for the “mortgage victims.” The feds doubled interest rates in the last three years.Congress doesn’t have a clue as to the problem, or what to do. They are scared to death to tackle the Feds. Why? Because the Feds invoke the fear word “inflation.” Big deal! Governments need inflation and so do borrowers, not lenders. So connect the dots. Lenders (Fed members) protect lenders, no matter the pain they inflict on borrowers.Attention borrowers … rise up and “smite” the feds. They rip off borrowers and enrich lenders.What is wrong with low interest rates? Are the feds guilty of “price fixing”?Richard C. GoodwinSnowmass Village