Wednesday, September 06, 2006

The Incredibly Expanding Mortgage

The latest numbers from 2005 indicate that 36% (yes, over a THIRD) of all mortgages written last year were "non-traditional" - ARMs, No/Negative Interest, etc. Home prices have become so unaffordable, particularly on the coasts, that these high risk/reward investment tools transformed into common home buyer instruments. Unfortunately, these types of mortgages have adjustable and balloon payments in them, and guess what?

1. Rates have risen. The super-low payments that the borrower's started with are no more. Every month in the US, several billion $ in mortgage payments reset and increase.

2. The underlying property values have dropped. If a borrower finally decides to refinance into a conventional mortgage, he/she will have to have the property appraised beforehand - and guess what? If the property was purchased a year ago, there is a high probability that the appraisal will indicate that the purchaser can't borrow what he or she owes on the place.

What does this mean? Big trouble. Call it a combination of investment mania, greed, and horribly loose lending standards.

For a full scoop, checkout the great cover story from BusinessWeek (a very fine journal, I might add):

Nightmare Mortgages

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zippo said...

Nice story about that cop in Sacramento. And I quote,

'After two months Burger noticed that the minimum payment of $1,697 was actually adding $1,000 to his balance every month. "I'm not making any ground on this house; it's a loss every month," he says. He says he was told by his lender, Minneapolis-based Homecoming Financial, a unit of Residential Capital, the nation's fifth-largest mortgage shop, that he'd have to pay more than $10,000 in prepayment penalties to refinance out of the loan. If he's unhappy, he should take it up with his broker, the bank said. "They know they're selling crap, and they're doing it in a way that's very deceiving," he says. "Unfortunately, I got sucked into it." In a written statement, Residential said it couldn't comment on Burger's loan but that "each mortgage is designed to meet the specific financial needs of a consumer.'

HOW IN THE HELL DO LENDERS GET AWAY WITH THIS?

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Easy - its called "read the fine print, dummy!"

Not like the average dufus could understand all the legalese in a standard mortgage, but at least they could provide a notice of "worst case conditions" that would show how high the payment could become (and if he/she could end up owing more than the original price of the place).

- just my thoughts.....

sunset sam said...

Not an exotic mortgage story, but similar:

I know a guy who, during the crazy days of 2005, took a $60K loan against his residence (hey look! my house is worth 50 thousand more than I bought it! I must be a genius!) and used it as a down payment on a 2nd house across the state. At the time, he claimed he did THOROUGH research on the property, and it was extremely undervalued, so he bought it and made no improvements, whatsoever. Well, guess what?

First, it sat on the market for 4 months, no buyers in sight. Finally, he decided to rent it out - which he did for 7 months ("alligator payment" - the rent wasn't enough to cover the expenses). The renters have since moved out, so now, instead of an alligator, he's got a CROCODILE - an empty house that won't sell, and he's on the hook for all the payments.

Plus, he's making extra payments on his own home for that $60 grand he borrowed.

What a genius!!!

davenjax said...

Yea, everyone who owned a house in FL was a "genius" last summer. The bragging was unnnnnn-real.

jimmy's buffet said...

Man, there are so many self-professed real estate "geniuses" in my office, I should really consider myself blessed. They really are so intelligent for having bought a house before 2003. Wow, so smart. How DID they do it?

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