This is also the story of Fannie and Freddie. Fannie and Freddie provided the risk debt management advice for residential mortgage lenders, obviating the need for residential mortgage lenders to maintain their own internal credit risk management function. When Fannie and Freddie were suddenly flipped by Clinton from their former role as the national residential mortgage underwriting Credit Risk Police INTO the new national VPs of Residential Mortgage Sales, residential mortgage lenders were left without any credit risk management whatsoever.

The problem was – nobody really noticed the vacuum in credit risk management and nothing was done about it. Fannie and Freddie had been so tough for so many years – collectively the gold standard of underwriting – that everyone thought that if it was good enough for Fannie and Freddie, it was all going to be OK.

With the new underwriting mandates starting in the 1990s, suddenly every bad loan got approved by Fannie and Freddie and the bubble was on. Long before WS got involved. The Case Shiller index proves this.

mik malibu wrote:

what a joke….texas has enjoyed job gains but only in very low paying, service related jobs and careers. companies move to texas because there is no corporate income tax…

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Got any facts to back up your statements?

Every time, each and every time we have a Republican creating jobs, which they always do, the Left says they are just low paying jobs.

Well, my friends, Obama and the rest of the States who are run by Leftists haven’t even to be able to create THOSE jobs let alone any high paying jobs, except for Government jobs, of course!

And, serve up some facts and sources with your opinions, please, or spare us your opinions.

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Ryan has made a good call that we must address entitlements. However, rather than throwing him under the bus, the GOP should use that as one option and bring up other options to challenge Schumer and others how they would fix Medicare/Medicaid.

At the heart of the Ryan plan is that fact that these programs need to be self-sustaining. Either we reduce what is spent or we pay more for the benefits advice we receive under them. No one wants to give up something they get for low cost or for free. HOwever, when presented with the costs and benefits, they can decide for themselves.

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How about the unarmed police officer who was shot dead in cold blood, only because he tried to intervene and help? It would be travesty of justice if it ain’t eye for eye. In fact, I am mad that Troy Davis was not executed at an earlier first date advice (no thanks to black activists who tried to correlate this to Jim Crow laws of the 1960′s era)

Criminals, irrespective of their racial background, should NOT be allowed to play God, and get away scot-free, thinking that a cold-blooded murder with only lead to life imprisonment (with the possibility of parole).

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And that is why You are not safe from the likes of Bank of America or Wells Fargo, two banks well known for foreclosing on homes Paid for in Cash or Free and Clear. They have no shame and no constraints in trying to foreclose on Everyone. How would you feel if you had to fight in court for your home that is already Paid Off?

Imagine getting a foreclosure notice when you haven’t missed a payment, or gotten behind ever?

Imagine how the senator felt when she got a foreclosure notice and all she did was ask WHO her servicer was. She wasn’t behind, she wasn’t a deadbeat, yet she still got a foreclosure letter!

You’re very naive to believe you are safe, it’s a circus and the banks are the ringmasters with a captive audience.

I hope you have all your paperwork notarized and kept in a safe, no telling when you will need to prove you already paid off your house.

Oh and I hope you can find a free lawyer advice that understands what is happening, good luck on that one. You tell me how do you fight against a bank that has fake documents proving they own your house and that you have never made a payment?

Do you know how and what to do to fight against the banks you feel so sorry for?

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