<h6 class="kicker">The Reckoning</h6>
Bush Philosophy Stoked Mortgage Bonfire
<h6 class="byline"> By JO BECKER, SHERYL GAY STOLBERG and STEPHEN LABATON </h6> President Bush, who vowed to spread the dream of homeownership, is leaving office amid a downturn rooted in the housing sector he so ardently championed.