The process was corrupted from the individual borrowers all the way up to the CEOs of the investment banks. Everyone was lying and they all knew it.
A few weeks ago on NPR they interviewed a woman would worked for a mortgage underwriter. These are the people who are supposed to make sure that loans are up to snuff so they can be treated pretty much as a commodity. The underwriters had agreements with the banks that they would not reject more than a certain percent of loans. The lady said that on several occasions she rejected loans for various reasons (including outright fraud), only to have her manager override her decision.
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Today's Featured Article - An AC Model M Crawler - by Anthony West. Neil Atkins is a man in his late thirties, a mild and patient character who talks fondly of his farming heritage. He farms around a hundred and fifty acres of arable land, in a village called Southam, located just outside Leamington Spa in Warwickshire. The soil is a rich dark brown and is well looked after. unlike some areas in the midlands it is also fairly flat, broken only by hedgerows and the occasional valley and brook. A copse of wildbreaking silver birch and oak trees surround the top si
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