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Hellooooo, This is NOT About Race. Or Politics.

This is about fairness. Lenders ought to check the information they're given before handing out huge chunksa money to people. Because someone's going to be responsible for that money. Can we please at least be certain the person signing for it IS in fact the person whose name appears on the loan document?

"The problem began years ago when banks were forced to give mortgages without confirming social security numbers or borrower identification. As a result, illegal immigrants were able to obtain home mortgages which they could not afford." So who's stuck paying the bill that a large group of Mexican citizens stole from our country? Not Mexico. Guarantee you if a BIG bunch of Americans (pick a colour, any colour) ran south and stole land and goods and services, it would be an international "incident." But if you don't like the fact that not a few, but thousands of Mexican citizens steal from our country, you're a racist. Aargh.

Lenders also were giving out money left and right to American "qualified buyers" as well, let's not forget. I remember a few years back being told by a realtor (not mine, thankfully!) that "this house is going to go way up in value soon" and that it's being offered at an extremely low price due to the out of state relocation of the owners.

Yeah, right.

I also remember lots of mail solicitations until recently. Mortgage this and home equity that. D has remarked on more than one occasion years ago that JUST BECAUSE the mortgage company wants to give you that money, doesn't mean you can comfortably make those payments. And what if I lose my job? And what if the house doesn't increase in value? "X" price needs to be "worth it" to you regardless of the market. D is a pretty smart fella, because there were a few times when I seriously wished we could bend a little and buy in the $300,000 range. Nope, he said.

Those houses sell for $220,000ish now. We'd have lost $80,000 and realtor's fees as well as the expense of moving if we'd have made the jump. Not to mention having a much higher payment with the mortgage company. As it is, we're paying several hundred a month just for the privilege of having borrowed a hefty sum years ago.

Beats renting, though! I know it sounds crazy, but we're trying to pay the house off in the next seven years or so. Then perhaps, God forbid, our cars need replacing we'll have money to make payments comfortably or buy outright. Well, given the price of a new car, "buying outright" probably won't happen.

Hat tip for article: Holy Coast blog.


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