Comments on: Embargoed: State of the Union Text

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By: Mark Augustson

Mark Augustson — Thu, 03 Feb 2005 19:33:57 +0000

“raised homeownership to the highest level in history,”

I am an Ananlyst with a top 25 mortgage lender and I can honestly say that whenever I hear this, my skin crawls. Its very misleading. Homeownership is up because short term interest rates have remained low. Period. Although the administration has proposed additonal funding for certain loan types, they take credit for the purchase/refi boom over the past few years when they having nothing to do with it. If anything, wages are being outpaced by home values. THis is pushing the mortgage finance industry to create products that allow a borrower to buy a home, based on their current income, that they really cant afford. Its forcing us to create loan programs with “Interest Only” payments in which the borrower only pays interest and not priciple. This can only be a bad thing. We are coming to market with a 40 year mortgage, which reduces the monthly payment but further extends the life of the loan (bad for economy long term). When folks hit retirement age, a growing majority will still have a mortgage payment.

Additionally, values are rising so quickly that property taxes are becoming burdensome, especially to the elderly in places like Cape Hatteras North Carolina (where I grew up).

While I don’t blame this administration soley for this, I do hold them accountable for projecting misleading info. I also hold them accountable for not having encouraged the Fed to raise short term rates at a quicker pace. They didn’t do so simply so Bush could make this one comment over and over and over and over again to the unthinking masses.

I predict within 10 years, when all the “Interest Only” periods on Interest Only loans ends and the payments will then be based on the remaining (full) principle balance, with a shorter repayment period, hello national foreclosure crisis. And just like “predetory lending” laws, we’ll see legislation that makes such lending more regulated. Of course, by then, it will be too late for millions of American.

If and when these folks go to refinance, rates by then should be pretty hefty, especially if we go the privatization route and the stock market is at 25,000 (mtg rates and the stock market are counter opposing).

By: Matt Makaveli

Matt Makaveli — Thu, 03 Feb 2005 15:38:02 +0000

I really find it strange that these neo-cons are anti-abortion, but after the baby is born they want nothing more to do with it. They think what do we care lets let it die in poverty without health insurance. Something else that strikes me as strange did you ever notice when the neo-cons talk about being anti-abortion, they say they think that way because they want to protect life. But see no problem using the death penalty. Just look at when Bush was Gov of Texas they led the nation in people being put to death. Strange diversion for someone claims to want to protect life.
When Clinton bombed the people responsible for bombing our embassies who voted against it? REPUBLICANS! Who wanted to go in & get Osama? (For the bombing of The U.S.S. COLE) WILLIAM J. CLINTON! Who said not with out U.N. support? THE REPUBLICANS! It funny how they can sit on both sides of the fence and the so-called “liberal media” never called the Republicans out! But I say to you now there is not any liberal slant in the news media, because if there was the Ken Starr report would’ve never seen the light of day except for the FOX Propoganda/opinions passing as news. I would like to see Bill O’Reilly spin his way out of this!