Equity Home Loans

home loans? are no income verification loans, still beig offered for home mortgages? or have they tighted that option up?

Home Loans? Looking for home construction or home purchase loans for people with credit that is poor. Any ideas?

Home loans? Does anyone know of a financing company out of Maryland or abroad that can i assist me with a home loan? I really dont have any credit and credit i do isnt substantial. I have been denied from several companies and i just need a low interest rate? So i can actually afford my mortgage.. PLEASE HELP!

HoMe LoAnS ?? I am trying to get a home loan, but my credit is bad and i dont qualify for a HUD home loan do to self-employment. i have about 5k saved for a down payment does that help? is there anyone who will give me a loan? ( i DONT have a co-borrower) most of my poor credit is due to major hospital bills. my score is in the low 500

How are home loans priced where you live? In your country, do you get home loans at a fixed rate for say 15 years? Do you have to pay a large penalty for pre-paying? If the loan is at a floating rate, what is it pegged to? Do loan rates vary according to individual credit profiles?

How likely is to get a home loan from a bank when having over $60,000 out in school loans? I graduated from college last year and am wanting to buy/build a house. I am curious about how likely it is to get approved for home loans when I have around $60,000 in debt from school. Is this even an option for me right now?

Will student loans stop me from getting a home loan? I am about to gain a $13000 debt in student loans. In about 6 months we are applying for a home loan. Will that student loan be applied to my debt to owe ratio? Will it be a factor when applying for a home loan?

What are the disadvantages of subprime home loans? I'm getting ready to buy my house. I know to do a 30-yr fixed rate. I'm just wondering what is the buzz about subprime home loans? It seems to really be hurting people and mortgage companies. What are the advantages and disadvantages? Thanks.

What percentage of home loans are in default in America? I keep seeing the statistic 2.1 Mil in default. What percentage of home loans does that represent?

Is there such a thing as home loans based on wages rather than your credit? Is there such a thing as home loans based on wages rather than your credit? I don't have good credit because of some old bills. I'm paying them off. My rent is never late. I make around $40,000+ a year (depending on overtime). Where can I go for this type of loan?

How do you get grants for home loans? I was wondering if anyone new how to get grants for down payment assistance for loans to purchase a home?

What is the current interest rate for home loans? Can people even get home loans right now? What is the current rate? Where do you find such information?

Why for home loans the banks are calculating the interest rate? I Check with the bank for the home loans,they told me 7.5% as floating & 7.25% as fixed,I need to know what is the difference between these two terms? If i take RS.10,00,000 as home loan & the loan period will be 5 years,so with the interest rate 7.5%,what will be the EMI Per month need to pay to bank. Please explain. Thanks, Ibrahim

Why aren't the mortgage companies and Banks resetting home loans to current value? I was told that the mortgage companies and banks are going to reset (re-write) home loans starting on Oct 1st. Why are they waiting so long? If they re-set the loans now they will receive monthly payments and people will stay in their homes. If they continue to wait until oct 1st more people will be walking out on their homes cause they cant make the higher payments. This same greed has caused the problem, the banks should take what they can now and not loose more money.

Why do people that do home loans get so mad when you shop around? I've heard a friend of mine <that does residential and commercial real estate loans> go completely nuts every time her customers shop around for home loans. What do these lender expect someone to just trust them when they say. <hey, don't be looking at loan numbers from other lenders or I'll kick you in the ding ding.

What is the difference between sonnie mae and fannie mae home loans? What are the requirements for the two home loans?

Is there a home loan for a person with $60k in student loans and no down payment? I am a single parent who just finished college. I have $60k in student loans and no savings to speak of. I have an amazing offer to purchase a home for what the current owner owes on it, but I don't know where to even start looking for a bank/agency who will give me a loan with my background. Any advice?

I want to know all about Realestae license and home loans? I wnat to know why you need a license and what areas you can start in without a license, some good ideas to get my foot in the door. Really I want to start a buisness of Flipping homes, I know all the labor end of the deal I just need help with the paper work end. How do people get home loans for this with not that great credit?

Can you refinance your home loans even though your house is worth less than what is owed? We have 2 loans and with the interest rates going down, it may be in our best interest to try and refi and have lower payments though most people would tell us to just walk away and buy a cheaper home....

when you go online and apply for home loans does that count against your credit? my husband and i are looking to buy a house in next couple months and we are wanting to apply for home loans at a couple different places but not if it is going to count against our credit. is there anyway that we can just see what kind of loan and payments we could get without it counting against us? which places are the best to go to? i just want to see what kind of loan and rates we can get right now without any commitment and then choose the best one for us later.

Are education loans effected by our economy problems as well as home loans and car loans? I go to school online and I use education loans to pay for my education for the most part. Reporters talk about home forclosures due to loans and vehicle reposessions all the time, but I do not hear anything about education loans. Are education loans also affected by our slowing economy? I am worried if when I graduate, will I be able to afford the loans I took out for my education.

Who gives the lowest rates on home loans? I heard Etrade was giving excellent rates for home loans. Any experience with them or any other?

If I buy a home, will that make me ineligible for student loans? We are looking at buying a home, but also want to get student loans in a few months for my husband to go to school on. With a home loan, is it harder to get student loans? Please let me know what you know. Thanks!

Is Bank of America Home Loans your mortgage company? If so, are you happy with them as they are today. They were formerly known as Countrywide Home Loans. Unfortunately they are currently my mortgage company so I won't be able to rid myself of them too easily.

Did George Bush create a law regarding interest rates for home loans? Last I heard, George Bush passed a law regarding interest rates for home loans. Can someone explain to me?

how to pursue the project of summer training for MBA having been assigned on home loans? i m a MBA student doing training from a private ltd company, i have been assigned a project on HOME LOANS, tell me the way to pursue and the title for the project? i.e. tell me the various aspect to be taken into consideration while making the project?

Can the government help ease the interest rate rises on home loans? If so what/when will this happen? Its hard enough to afford the simple life E.g. Food, Bills, Car Registration. But with the constant rises in interest rates on home loans it makes it even harder for the average home loan and even harder on someone wanting to get a home loan.

What home loans do I qualify for? I know there are a lot for new programs for first time buyers,How can I find out all the loans or government programs that I qualify for when it comes to buying a home in california... I have a lot of qualifying factors, I am a first time buyer, I am a regestered member of a native american tribe, and I am low income. I dont have the BEST credit history... Can anyone help me determine my options.

What kind of home loans can I get? What kind of home loans can I get? My FICO is around 730 at all the credit bureaus. I live in Los Angeles and want to buy a condo in the Hollywood Hills in the $600k range. I make $100k a year. Do you think I will get approved for $600k?

How do home loans work with your available credit? When you check your credit score or report it shows that you have so much debt and then it shows available credit you have left if you were to get like a car loan or school loan. So how does a home loan fit into that. Do they go by that available credit or what they expect it to be within the regular 30 year mortgage period?

Where are the low-income home mortgage lenders that actually make home loans to families with low incomes? Where are these so-called low-income home mortgage lenders I hear so much hoop-la about? I've been searching for months and have yet to find one that actually makes these loans. Most won't make a loan for less than 100k. Others won't touch you if your monthly income is less than 2k a month. The rest won't touch you unless you have good credit. If your actually low income you can't afford to buy anything on credit (even if you could find someone to extend you credit), thus your credit is considered poor because you don't have any credit history. The catch 22.

I am 60 points below the ideal credit score for a home loan. is there lenders who give loans to poor credit? I would really like to buy a home, and receive the first time home buyers tax credit. Only my credit score is 589, and my bank gives out loans to 620 and above.

The amount requested for home loans followed the normal distribution with a mean of $70,000 and a standard dev The amount requested for home loans followed the normal distribution with a mean of $70,000 and a standard deviation of $20,000 A. How much is requested on the largest 3 percent of the loans? B. How much is requested on the smallest 10 percent of the loans?

What banks have money and are lending for home loans right now? I have a FICO score of 725 so I'm thinking if I find the right bank I could still get a home loan even in this economy, but which banks should I apply at first? I live in Northern California and want a fixed rate loan.

I'm clueless about how home loans work. Is there any way to figure out how much I can afford to spend per mont I'm clueless about how home loans work. Is there any way to figure out how much I can afford to spend per month on a home. If I were to get a home for $145,000 how much would that be per month? How do I know how much the interest will be? Any sites that explain it all in laymans terms? Thanks

What are some of the lending banks that help with home loans and bad credit? I HAVE A LOW 500'S CREDIT SCORE, WE HAVE BEEN A STRUGGLING FAMILY FOR YEARS NOW, WE HAVE 7 KIDS AT HOME, 4 ARE FROM PREVIOUS MARRIAGES.WE ARE IN THE NEED OF OWNING OUR OWN HOME, IVE RECENTLY GOT A PROMOTION AT WORK THAT ALMOST DOUBLED MY INCOME.BETWEEN THE BOTH OF US WORKING WE MAKE ROUGHLY 80 A YEAR. CAN WE STILL GET HELP WITH A HOME LOAN?

What is a wellness letter requested by the lender for VA home loans? My husband and I are about to close on our first home. My loan officer keeps coming back to me with what seems like unnecessary document requests. The latest 1 is a wellness letter from my husband's commander (he's active duty Army). Does anyone know what this is and what it includes? I appreciate all the help!

who funded the first home loans in the us? In the early 1900's what financial instutions funded home loans and what were the terms available?

does anyone have any resorces on low or bad credit home loans? I am trying to find a home loan but i dont have good credit my score is pretty low and i dont have much of a down payment does anyone know of any place i could look to mabey get a home loan in florida? I am new to the whole process and dont know what to look for a lot of places say bad credit is ok but you have to have at least a 600 credit score?? I dont know where to look anymore. Thanks for the help.

how to refinance home loan and consolidate home and auto loans? we have not so good credit and want to refinance our home loan to consolidate our auto loans into our mortgage . is this a bad idea

Can someone help me figure out VA home loans? I am at Square One in the whole home-buying arena so I have no knowledge. I am stationed overseas with 15 months left before I go back to the states. I want to buy a 2 bed-room in Austin Texas (average home $190,000). I am active duty Army and can use the VA home loan. My credit is poor , but I have little debt besides student loans (I paid off my old credit debt). I know this is kind of vague but can someone give me a good place to start doing research and places that give good tips for first-time home buyers?

Are members of the Air Force reserve qualified for VA home loans? Also what is the difference between a VA home loan and a traditional loan?

I am looking to buy a plot in Bangalore. Does any bank offer home loan(not personal loans) for the plots? I want to buy a plot and get the house constructed. I approaced some banks for this and they are ready to give me personal loans, but i am looking to get home loan as i would work our much cheaper and i can also avail the tax benefits. Please let me know if any bank have any such product to offer.

Any problems with country wide home loans? Country wide lost my house payment this month. I sent the check to the southern california adress and they say it never arrived. Their customer service was very poor and they could care less that it was lost and said the post office is not their problem. Has anyone else had this problem with country wide home loans?

How do they roll taxes into home loans? My wife and I are young college graduates, and with the falling housing market, home ownership is looking better and better. We live in NW Wisconsin, where a decent home will cost you $115,000 - My question is this; how does the cost of taxes play into this? The average home tax around here is $1500 - $2,000 / year here. Does this mean that our loan of say $100,000 becomes $160,000 ($2k/yr/30yr)

How can day-traders qualify for home loans? Technically, I have no employer. I can make $20,000 in a month, and then not make anything next month. Can you still qualify for a home loan with this source of income? Do state laws vary? I'd be interested to move to Texas or Maryland. All these answers suck thus far. Come on Y!A Community! You can do better. Someone please answer it good.

Home loans with low down payments require PMI insurance, so why are banks losing money on sub-prime mortgages? A home loan with less than 20% down requires PMI (Private Mortgage Insurance). Since most "sub-prime" mortgages would require PMI, why are banks losing so much money on these loans? Shouldn't it be the insurance companies that lose the money?

With this buy out proposal will it allow people who have faulted on their home loans stay in? With people who got their faulted loans refinanced by Fannie May (or however it's spelled) buy out the poor credit loans and they are looking at getting the buy out will that mean those who have loans faulted by them stay in their homes they didn't pay for? I mean I have a legit loan through GMAC why can't I fault on my loan and get my house for free? I am not sure if this is the truth behind part of the buy out is this true can someone explain?

I have heard about Variable rate home loans. But why do people choose that loan over a fixed rate loan? Could there be a baloon payment with that type of home loan?

Does anyone know the best company to give home loans to people with poor credit? i have poor credit, but am slowly regaining control of it, anyhow, i am trying to get my family into a home, and want to know if anyone knows any home loan companies that are willing to work with people with poor credit. thx

90% of all home loans could be paid off with the billions spent to "help the economy" Why not just do that? Lets see, I have no payment now what will I do with the cash. The banks have no outstanding home loan debt, what will they do with the extra cash? New loans come with much less risk of default, so why not take the chance. People who now own their homes may upgrade or improve, helping skilled workers. Come on guys the way out of this mess is not that hard! It's by helping us "little" guys!

What is unsecured debt?Is it credit cards,home loans,car loans,medical bills,payday loans? What is unsecured debt besides credit cards?Does that include home loans,car loans,medical bills,payday loans?

I am engaged to be married within a year or so and I was wondering about first time home loans? meaning,.... can two people who are not yet married apply for a home loan and combine income on the application? I heard a friend talking that they did it about a year a go, just doesn't sound right. But the way the housing market is today and rent keeps climbing, it would be worth it to get a decent house and stop paying $ 650 torward rent that gives us nothing. Advice?

Why does GE Money (Aus) refuse to lower their interest rates on home loans? I find it hard to believe that GE has not been able to decrease their interest rates on home loans when they have been very happy to increase them over the past year. How do they get away with it. They are not going to give any of the.. RBA's recent reduction. Very disappointing GE very disappointing

How do home loans work? Hey there, Lets say for example John Smith takes out a home loan of $500,000 for 30 years at 8.6% per annum. What does it mean by "... at 8.6% per annum"? Like does he have to pay 8.6% of the 500K each year or somthin? Cheers, totally clueless about loans

If my credit score is 680 what kind of interest rate should I be getting on home loans? if the home loan is 130 g and i can put 10% down is it better to just go with a fha loan and only put 3% down and get 5% interest or should i be able to do better if i put down the 10 percent?

What's the song on the new Bank of America Home Loans Commercial? Theres a commercial that has been recently been running....May 2009...about Bank of Americas Home Loans and "Clarity Commitment". There's no words, but its a piano tune. Anyone know of what this is or where I can get it? Thanks.

can someone who be on two home loans at once? Was just wondering if a person is already on a loan for a home as a cosigner can they be used as a cosigner for another. I already asked my realtor and he doesn't know.

Do lenders offer loan defferments or modifications to home loans if you are unable to pay for 1 month. ? I want to be able to add the payment to the end of my home loan, not not get on a repayment plan. I am looking an option for only 1 month.

Does anyone have Greentree Financial for their home loans? We have Greentree Financial for the loan on our mobile home and we have nothing but trouble. They are very rude and disrespectful. I wanted to know if anyone else was having this trouble with this company.

Anyone with experience with VA home loans? Do you have to have a down payment? Please give me any information you have dealing with VA home loans or suggestions, advice, experiences.

I want to broker auto loans from my home office, but have no ideal how to get started... advice, please!? I currently work in the mortgage financing industry. I would like to be able to refinance my customers auto loans along with their home loans. Many of them do not have the equity to pay their auto loans off and many have rates on them ranging from 18-26%. This would allow me to provide another beneficial service and supplement my income. Any suggestions on how to get started? Companies that employ auto finance brokers remotely?

Are there home loans out there for bad credit? Where do you find them? We have found the perfect home for very little money and need to buy instead of rent since our oldest starts high school next year. My credit probs are due to divorce and my husbands due to him being unemployed for a period of time. We can afford the home payments just can't find the loan. HELP!!!!

Are there any special (or cheap) home loans for first-time buyers? I'm not low income, just looking to buy my first home. Are there any options from HUD or whatnot for low-interest loans for first-time buyers? I'm pre-approved for 150,000 and have 30,000 for a down payment saved - but is there anything better since this is my first time? Thanks.

Does lenders every give home loans with ZERO closing costs ? 1) Are there any banks which can give home loans without charging us any fees,etc ? 2)They are already making 3 times our loan price at the end of the 30 years, why do they still take the other fees ? (originating,closing....etc) Then they should give us an option if you stay with the same bank for "x" years we will refund the closing costs

What to look for when shopping around for home equity loans? Any advice on what to look for when shopping around for home equity loans? Are there referral commissions? I have a couple of individuals looking for a home equity loan ... I told them I'd look into it for them. I'd like to find a quality vendor, but if referrals commissions are paid out, I'd like to negotiate for that too. How do I figure out what is a "great deal"? PS. I'll happily take general replies but this would be specific to Calgary, Alberta, Canada.

Using Home Loans and House Rent Payment slips for tax exemptions? I took a home loan and showing the Interest paid for Income Tax exemptions. Now, I have rented the house which I took over loan and getting about Rs.5000. But I am still staying in a rented house paying approx Rs.10000. Can I submit House Rent payment slips to my employer so that I get tax exemptions for the rent which I am paying.

I am a new Loan Officer, what can I do to help other refinance, get pre-approve or do home loans for them? I am a new Loan Officer and was wondering on how to bring in people who wants to refinance, get pre-approve or do home loans either thru emails or something?

What Happens to reminder of Home Loans? Ok, when you get a home loan for let's say $100,000 and you buy a house for only $80,000, what happens to the $20,000 you didn't use? Can you use it to renovate your house or what?

What are the best sources of information on Prime equity home loans I am looking to refi my home mortgage and got a suggestion to check out home equity loan. Need help

How tax deductible are charitable donations and home equity loans? When they say donations and home equity loans are tax deductible, what does this mean? Does a $1000 donation mean $1000 less federal income tax? Does $1000 paid in interest on a home equity loan mean $1000 less federal income tax?

Can a home loan consist of two separate loans combined to cover one loan total? My sister is buying a home for 131,700. This their first home and they went through a company that supposedly finds them the best loan possibly for them and then the get a builder to start building their home over the next six months. Their credit score is in the low and mid six hundreds and they are looking at a fixed interest rate of 9.3%. the taxes are about 310 monthly and the insurance is 127 monthly. Im helping her go through the paper work and I notice that there are two loans being combined, one for 104 thousand and the other is around 27 thousand. Can you do this? I want her to know as much as possible because they are set to close on March 13, 2007 and I want to make they can afford this and that they are actually getting a good deal. They make over 4000 monthly. Please provide any information possible and thank you in advance for any responses. I would hate for them to get in over there head. The house has been built, inspected, and appraised already. They started this process in October I believe Yall are giving my sister and I wonder information. We are really appreciating this. I just found out that they didnt have a downpayment and they arent paying any closing costs. Also why wasnt they offered something like a first time homebuyers deal. Im a college student dormer so I dont know anything about home loans.

How do home loans work when you have a home loan and want to sell your house and get a new home? Say, you have a home that you still owe $$ on.....You want to sell this house and buy a new one. Would you take the money you get for selling your current home and put that toward paying off your current home....being left with only the mortgage payments on the new home.

Should I take out a Home Equity loan to pay off my private Student loans? I heard that taking out a Home Equity loans to pay off my private student loans is an option. They are several loans through Sallie May resulting in $79,000 including interest, but are not consolidated. What are your opinions?

Whats the deal with first time home buyer loans? My fiance and I are wanting to buy our first house. We have heard about first time home buyer loans and that some of loan 100% with no money down. Is that true? If so where do we ask about it? At a bank or what? I dont know the first thing about buying a house, thats why I'm on here asking for peoples opinions/answers. Also, I live in Nebraska

Who is still offering low doc home loans? What lenders are still offering low doc home loans?

More than one home equity loans at a time? I want to know if I can get more than one home equity loans at a time for a single house from different banks. Because I've applied for a home equity loan from a bank, but it seems to be not enough for me to do what I want to do with the money. So I thought I can apply for another equity loan from a different bank to double the amount. Is it possible?

Which bank to go for for Home loans in Bahrain? I am an NRI residing in Bahrain.I am planning to go for home loans.Which bank is the best?In terms of service,processing,interest rates etc.

Do you know of ant lenders who offer bad credit home loans? My husband and I both have bad credit (both from previous marriages). We both work and have stable jobs. Do you know of any lenders who legitimately offer home loans to people with bad credit. The place appraises at about 160K and we can get it for about 120K. Thankms for your help

How can I get one of those subprime home loans? I currently have a 30 year fix rate mortage which I have been paying responsibly. Can I refinance to get one of those high-risk subprime loans so the government can help me pay for my house?

Home loans in the US for indian property? Hello, I have a very basic question. I am an NRI living in the US. Is it possible to take a home loan in the US(from a US bank or institute) for a house/property in India?

Do you know anything about VA home loans? Seven years ago, a family member bought a condo with a VA home loan. The mortgage company sold the account to Fleet who stopped sending bills or coupons for payments. Essentially, they screwed my family member and after two late payments (it took 18 days to process because there was no payment coupon included) they started foreclosure procedures. Really bad company to do business with. She had no choice but to file bankruptcy. They forclosed on her in less then two months and the condo sat vacant for over a year and a half. No one helped her and the mortgage company even hung up on me when I called them. Can she qualify for a VA home loan again?

what kind of home loans are out there for first time buyers? we are looking at a house in southern california. it is our first house. we pay 1500 for our apartment right now, and everyone is telling us we should buy while the market is low. we havent even talked to an agent yet but we found a really cute starter home for 250,000. we dont really have money to put down, but we were told we can still look. are we wasting our time?

Which mortgage company offers home loans to foreign nationals? I would be very grateful if you could provide me with contact information of mortgage brokers who could help me with my requirement. A-2 visa holder with excellent credit - over 770 is looking for home financing in Northern Virginia.

need good website for Australia all about first home loans. deposit required. different rates + types of loans looking at buying my first home and I know nothing about different loans and interest rates, nothing at all about buying my first home.

How do non-qualifying home loans work and how can I find them? What are the pro's and con's associated with non-qualifying loans?

Income tax benefit to two home loans? I have already taken a home loan from HDFC, and getting tax benefit. Now I plan to buy a second house at the same place. Will I get a tax benefit for the second house also? Can I claim the tax deduction for both houses?

Are there home loans that do not look at medical bills on credit? We are wanting to buy a house but my past medical bills is lowering my credit alot. I heard that there are loans that don't look at medical bills. Which ones?

How much are payments for home loans? Me and my husband are wanting to get a house and make payments. Remax is selling one for 127,000. I don't know how the whole thing works you know like what all the costs are. I never bought a home before and were on a low budget and need more room for our growing family. I live in Lawrence KS where living costs are one of the highest in the state. This home is a forcloser. do I have to wait for it to be up for bid or can I get it now.

Are there any home loans that dont check your credit? If so, is the interest rate higher? Because my credit is bad. I got no down for a house. I heard of 1st time home buyers, what are the requirnment for that.

home loans? anyone know what mortgage companies do loans for not such great credit but plenty of equity in our home to use.credit scores near 600.

Does the VA give home loans without having a job? I want to get a house before I get out so I don't have to rent an apartment, but I can't get approved for a regular home loan because the banks can tell I'm getting out, and I can't get a job until I get to my new location. I don't want to get stuck in a 6-month rental contract over this crap.

Has anybody heard of american Financial home loans? Are they a good company to help out with bad credit ? We are ooking for a home and they said they could help does anybody know how wellthey are and if they really can help?

can one broker small business loans to banks like a mortgage broker do with home loans? I am a mortgage broker and want find out how I can fund small business loans too. can I broker them to banks?

Do you think rates will drop again for home loans? We are looking at buying a home this year. Do you think because the last Gov cut didn't do as well as they hoped it would that they will drop the rates agian?

where can I get first time home buyer loans? if I have no credit or not good credit what would be best interest to in order to get a loan for a home. Does this meet a ceartain finanacial level? Name websites or toll free numbers or a addresses where I can get free information on this. Thanks.

How many US auto loans and home mortgages financed by banks are out there? I'm trying to discover the # of US home mortgages and auto loans financed by banks in the US and the average value of each type of loan. It's for a school project.

Has anyone used Home Loans Canada (HLC) before and if so did it benefit you? How was your experience and would you recommend it to anyone. I am wanting to get a loan and I have been talking to somebody through Home Loans Canada but don't know if I should go through with it or not. I am just wanting to know if anybody out there that had bad credit used them and if it was successful.

Will conventional home loans be the next area of the credit sector to implode? I really dont see the end of this mortgage crisis. I am really woried that the next bubble to burst are the prime mortgage homes. Please give details as to why you think the way you say.

i have a question about home loans for first home buyers? hi, i am wondering ,as a first home buyer, is it better to have a deposit for your first home loan or is it acceptable to get one of those loans where you can borrow up to 106% and dont need a deposit, we find it very hard to save up for a deposit with three children and paying alot of money in rent,thanks for any advice.

Just who are all of the people defaulting on their home loans in America.? These people made false statements on their applications, and some unscrupulous lenders aided these home buyers. What is the demographic on these people?