I saw your comment earlier and I didnt say anything due to the amount that I could say about it.
I know that the banks/mortgage companies, greedy 8astards that run the financial institutions in the country did some real dumb lending in the past. Like for instance: Lend more then what the home is worth, (super stupid) Then these people that kept getting home equity loans every few years, I have a neighbor that got 2 Home equity loans in the course of 4 years and it was in the 10's of thousands of dollars (he wanted the money for landscaping and putting in a large back deck) which runs into the next issue---my neighbor couldnt really afford the deck so he financed it----$15,000. As far as I know he still owes money on the home equity loans plus the base mortgage. And this is the same clown that told me to get a home equity loan to do landscaping, I pi$$ed him off when I told him I would wait till I had the money and when I decided what I was going to do in the future. (and I told him flat out I wasnt going to spend $20k on sod/boulders/trees/pavers etc.
Then the whole issue of decreasing home values---every one thought that the sky was the limit for home prices, oops.
BOTTOM LINE: personal responsibility is real important and if you dont have common sense then you will be burned.
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