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Mortgage-Backed Securities I
Posted by: khanacademy

Video duration: 476 seconds
Global video hits: 48426

Part I of the introduction to mortgage-backed securities

Related: finance, mortgage-backed, security, mbs

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Latest comments made on this video:

I LOVE YOU!!!!!!
By: kgmahabir. on 22 Feb 10, 00:35:20
I LOVE YOU!!!!!!

in the beggining ...
By: speculatorMan. on 20 Feb 10, 11:37:53
in the beggining sal says that you will pay $100k per year, so in 10 years it will result in $1M shouldn't it be $110k per year to result in $1.1M in the end of those 10 years?(110k x 10 = 1100k)

R we only capable ...
By: ghostlaw1980. on 29 Jan 10, 11:01:53
R we only capable of passing greed laws at this point. I want a mortgage that is adjustable. Adjustable to fair market value. My grandfather took out a loan 50 years ago to start a business. They gave him ten years to repay it. He repaid it in one year. The next year he bought a house free and clear. To all the BMW driving pinto owners, your getting what you bought. Insecurity. I want what I pay for.

not first
By: asarualim999. on 31 Dec 09, 00:28:21
not first

could i be secound ...
By: djlohan1. on 21 Dec 09, 16:03:05
could i be secound bank for 2 minits and ream about these billions of dollarsssssss....aaaaaaaaaaaaa

wow thats great! ...
By: donni2121. on 05 Dec 09, 12:13:00
wow thats great! thank you very much

Just wrote up 4 ...
By: ed1962. on 01 Nov 09, 13:12:00
Just wrote up 4 pages of notes>>>Watched these videos>>>Re-wrote the lot. shiiiiiiiiiiiiiiiiiiiiiiiiit. thanks so much.

A milllion from ur ...
By: chubbychilli. on 14 Oct 09, 19:51:11
A milllion from ur uncle!!! I WISH! :)

man i like your ...
By: francbiya1. on 06 Oct 09, 01:16:39
man i like your stuff is great.

Nice!!!!
By: DeanWegner. on 02 Oct 09, 15:57:13
Nice!!!!

What is the Key ...
By: 2fuck2shit2. on 08 Sep 09, 20:20:23
What is the Key disfavors by Having Your Mortgage realmortgagepaid.blogspot. com

really loved this ...
By: Lunatic4ever. on 02 Aug 09, 12:10:52
really loved this one,great thing bro

and you..you..you ...
By: Lukeeeeo. on 26 Jul 09, 22:20:05
and you..you..you have a hat.

"This is the bank, ...
By: ZzzVvvYyy. on 03 Jul 09, 02:12:30
"This is the bank, and they have the money."

A good mortgage is ...
By: MrMortgage1. on 23 Jun 09, 04:28:17
A good mortgage is like a work of art. mortgageartist. com Your path to the best mortgage information resource around. Educating yourself costs you nothing, ignorance can cost you everything.

this is crap
By: MrMortgage1. on 23 Jun 09, 04:26:53
this is crap

Employers what to ...
By: hyylo. on 26 May 09, 15:01:50
Employers what to employee people who are focused in particular fields. Only do a MBA if it is required by the employer. ACCA is a brilliant course. I wish I could do a CFA but its tooooo hard. The pass rate for CFA worldwide is about 40 percent. If I had a CFA I could make 100k a year.

Is this before or ...
By: talal143. on 25 May 09, 23:58:01
Is this before or after taxes :P FYI, MBA is not only about Finance, it's a combination of marketing, management, and finance :)

lol. you got me :P ...
By: hyylo. on 25 May 09, 22:03:40
lol. you got me :P i was sending this message from my mobile. i mixed up the words. i dont need a MBA. i make 60k a year :P

Wow, is that how ...
By: talal143. on 25 May 09, 19:44:24
Wow, is that how they call it now? FCA? not CFA? maybe MBA is useless, but you definitely need one!

lol that is why we ...
By: hakker2002. on 21 May 09, 02:20:00
lol that is why we r in this financial crisis all thx to ABS, MBS, CDO and Credit difoult swaps CDS, do not learn this or i will be very conserned in US banking system in the future

MBA are useless. ...
By: hyylo. on 18 May 09, 21:16:24
MBA are useless. just get a finance qullification like FCA.

Khan Academy rocks! ...
By: ssalavei. on 05 May 09, 21:21:31
Khan Academy rocks! Better than MBA program!

great video!
By: candypp87. on 13 Apr 09, 15:07:04
great video!

Greate video. But ...
By: Lukeeeeo. on 06 Apr 09, 15:11:24
Greate video. But wouldn't the investment bank pay more than $1 billion? Otherwise the 1st bank wouldn't benefit. So $1billion plus the interest plus fees.

$Today\$

Today's Mortgage Rates: Which home loan is best?
Posted by: Texasmortgageguy

Video duration: 539 seconds
Global video hits: 15794

Texas Mortgage Info: How your mortgage person structures your loan is more important than the getting a low rate. www.mylendingplace.c om

Related: texas, mortgage, rates, home, equity, loan, 30, year, no, pmi, 15, austin, rate

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BIRDDOG ALERT: I'm ...
By: SEXYSHEKHAR007. on 13 Feb 10, 05:56:40
BIRDDOG ALERT: I'm offering 1% finders fee on my 63 unit apartment for sale in Thunderbay Ontario. That's $22,500.00 in your pocket if you bring the buyer to the table. This is no joke. It will be a win win situation? if I can sell my building so please try and find me a buyer and I'll gladly pay you 1% of the purchase price which amounts to 22.5k. Please email this to all your friends who might need money. Details at:? mshinvestments(.)com

The Real Estate ...
By: 210realtydotcom. on 24 Jan 10, 04:30:40
The Real Estate Call Center 210-286-9289

Ampedee, I'm a ...
By: RHFLuzzi. on 14 Sep 09, 04:50:14
Ampedee, I'm a mortgage broker and banker. I used to work for one of the largest banks in the country and to be honest our fees and costs were so much higher than brokers. Large banks spend money on advertising and pay salaries.

What is the Key ...
By: 2fuck2shit2. on 08 Sep 09, 20:18:09
What is the Key disfavors by Having Your Mortgage realmortgagepaid.blogspot. com

hoyl hell this guy ...
By: ampedee. on 03 Sep 09, 05:37:23
hoyl hell this guy is a good sales man, but being in the mortgage industry my sell i see right through alot of his bulshit. GETTING YOUR LOAN THROUGH A BROKER MEANS UR GOING TO PAY MORE IN FEES, BECAUSE THAT LOANS GOING TO JUST END UP AT ONE OF THE BIGGER BANKS IN THE LONG RUN ANWAYS.....

Hey Bank of America ...
By: cant9562. on 25 Aug 09, 21:09:46
Hey Bank of America! You didn't do squat for me and my husband. You promised the world but delivered nothing. So why don't you get off this website and go do somethingproductive??? Like....get an education!

mortgageartist. com ...
By: MrMortgage1. on 24 Jul 09, 03:47:36
mortgageartist. com The best thing you can do is arm yourself with knowledge, even better if it's free. a little time and a few clicks now could save you years and thousands of dollars later. the choices you make today define your tommorow.

very professional ...
By: evanswanson. on 14 Jul 09, 15:37:12
very professional response b of a.

That is a great ...
By: mortgagebrokerdave. on 07 Jul 09, 01:54:26
That is a great video, you break it down very well.

lots of info here
By: MrMortgage1. on 23 Jun 09, 04:50:10
lots of info here

A good mortgage is ...
By: MrMortgage1. on 23 Jun 09, 04:49:19
A good mortgage is like a work of art. mortgageartist. com Your path to the best free mortgage information resource around.

I am a mortgage ...
By: smmiller777. on 31 May 09, 21:09:43
I am a mortgage underwriter and PMI is for conentional loans only. FHA loans have MIP. This is not new. No, mortgage insurance is not required on a conventional loan when 20% is down. If less than 20% PMI is required. The 3% loan he speaks of is now 3.5% now in todays market is an FHA loan. Most folks that do not speak on that type of loan is not approved to do FHA loans. Not too many companies do 2nd liens any more. The lender is the best loan to do because the fees are less.

Mmmmm, that doesn't ...
By: friedmanrc. on 23 May 09, 23:55:22
Mmmmm, that doesn't make sence. I work for Bank of America, and the normal customer is required to put down 20% to not pay PMI. You don't need to pay PMI, unless you have less than 20% equity in your home. Please talk to me if you have any other questions

I work for Bank of ...
By: friedmanrc. on 23 May 09, 23:52:09
I work for Bank of America. We do many different scenrios for our customers. I will always give many different product scenrios based on my customer's information. You really don't know what your talking about.

You are now ...
By: LtStarkiller. on 30 Apr 09, 07:06:32
You are now required to have a PMI on a FHA loan for it's lifetime? Even with putting 20% down? When did this happen?

I really liked your ...
By: PAGENzx. on 10 Mar 09, 14:17:31
I really liked your channel and this video. If you need any help getting this video exposed I use a site called tubeviews.(net) It has really helped like 20 of my main videos get to the top in position. Its nice. that is very awesome i love this

thehelpfund.blogspot
By: mannyfeseha. on 06 Jan 09, 04:27:22
thehelpfund.blogspot

Very informative ...
By: DrewDownsManagement. on 03 Jan 09, 17:38:09
Very informative video. I took some notes on the video and how it was done. I gave it 5 stars. Check out our vids and tell me what you think? We have some good stuff also.

Protect Yourself From Mortgage Fraud
Posted by: AvoidFraud

Video duration: 122 seconds
Global video hits: 70939

In this new web commercial from Freddie Mac, learn to spot a foreclosure scam and find out how to avoid becoming victim to home foreclosure fraud. (Follow this link for a Spanish version: www.youtube.com/watc h?v=qqqj6unryay)

Related: freddie, mac, mortgage, fraud, foreclosure, scam

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Latest comments made on this video:

R we only capable ...
By: ghostlaw1980. on 29 Jan 10, 11:03:02
R we only capable of passing greed laws at this point. I want a mortgage that is adjustable. Adjustable to fair market value. My grandfather took out a loan 50 years ago to start a business. They gave him ten years to repay it. He repaid it in one year. The next year he bought a house free and clear. To all the BMW driving pinto owners, your getting what you bought. Insecurity. I want what I pay for.

oh noez! ...
By: cOlz23. on 22 Jan 10, 05:12:26
oh noez! homestealerz!

to the all mortgage ...
By: taniahurley. on 19 Jan 10, 20:32:05
to the all mortgage paying ppl out there. even if you have a good deal with your current lender it is always good to shop around to see if other recognised lender can give you better deal. even if you pay some penalty, remortgaging your property to a better deal can save some some monthly outgoing. sometime they can even incorporate other debt with your mortgage. so it is always better to shop around but make sure you go to recognised lenders.

don't ever let a ...
By: d4seasons. on 08 Dec 09, 03:57:44
don't ever let a 3rd party get involved. why would anyone in their mind would help you ? i paid off my house already & i still have these scammers calling offering to pay off my mortgage. i tell them to go fuck yourselves.

Talk to your lender ...
By: farmboycarl. on 19 Nov 09, 18:04:22
Talk to your lender! What a joke. This is all being done intentionally so we can eventually compete with 3rd world producers to sell cars and computers. After all, you don't need to make $20 an hour to buy a $19,000 home. Best advise; Get yourself a big screen TV and 6-pack of Budweiser and do your civic duty... spend your unemployment check at Walmart.

What is the Key ...
By: 2fuck2shit2. on 08 Sep 09, 20:21:37
What is the Key disfavors by Having Your Mortgage realmortgagepaid.blogspot. com

Times like these, I ...
By: houstonrediva. on 25 Jun 09, 17:14:04
Times like these, I am so glad that I am a licensed real estate agent. Because I am also a Real Estate Investor, I am concerned that the public will be afraid to trust honest investors who really are helping homeowners avoid foreclosure. In some cases, ONLY a real estate investor can help.

You can find out ...
By: BadDealdotORG. on 19 Jun 09, 06:00:26
You can find out ALL about mortgage fraud over on baddeal org Trust me. ;-)

Are you in ...
By: Peexter. on 29 May 09, 02:35:32
Are you in financial distress? Please don't wait. A non profit site, NeedFinancialHelp (dot) org can help.

Is that what hey ...
By: tcsenter. on 24 May 09, 00:13:15
Is that what hey teach you to do in those ":Foreclosure Riches" courses? Saved myself $39.95... yeah!

if you are in any ...
By: Peexter. on 14 May 09, 04:01:47
if you are in any kind of financial distress, please post your situation at MoneyLoansCredit (.) com, a site where people help people... Investors and givers needed as well.

fuckin harilous.....
By: Matanumi. on 13 May 09, 20:26:55
fuckin harilous.....

i killed one of ...
By: bhite41. on 30 Apr 09, 06:24:49
i killed one of these guys and buried him in my foreclosed backyard

i was a mortgage ...
By: moneybelt22. on 09 Mar 09, 19:09:22
i was a mortgage sales person doing telemarketing i quit after 5 years the company closed down now i found a new job

bastards...
By: jdp201eliz. on 08 Mar 09, 04:31:59
bastards...

This is all true! ...
By: Georgeandchristine. on 24 Feb 09, 18:53:00
This is all true! its happened to lot of family friends of mine.... its sad.....

Mortgage fraud my ...
By: ppinmys. on 19 Feb 09, 22:13:14
Mortgage fraud my ass. Mortgage fraudsters received direct US government backing for years. Many people didnt fall for it though. But somehow our tax money still went to the banksters. How is this possible Mr. Politician?

Great information! ...
By: LouieFrias. on 27 Jan 09, 01:43:45
Great information! Thank you for helping educate people. Here's another resource to consider. FederalHomeLoanMods(dot)com

I hate scammers
By: istockphotopirate. on 21 Jan 09, 06:14:56
I hate scammers

thehelpfund.blogspot
By: mannyfeseha. on 14 Jan 09, 23:51:39
thehelpfund.blogspot

thehelpfund.blogspot
By: mannyfeseha. on 06 Jan 09, 04:27:31
thehelpfund.blogspot

Very informative ...
By: DrewDownsManagement. on 03 Jan 09, 17:38:35
Very informative video. I took some notes on the video and how it was done. I gave it 5 stars. Check out our vids and tell me what you think? We have some good stuff also.

This video? was as ...
By: 54spiritedwill54. on 10 Dec 08, 20:38:38
This video? was as boring as Freddie Mac.

they saved my house ...
By: MyPinkRainbow. on 25 Nov 08, 21:34:26
they saved my house , for real, call you lender do not give up , you can save your home

There are borrowers ...
By: subprime2006. on 13 Nov 08, 09:05:22
There are borrowers who "cashed out" $200-$300K in the last 6 years to supplement their income and now they just walked away from their house. There are people should never buy the home in the first place with their $10/hr salary. We all forgot how foreign banks lost billions in our mortgage industry. I estimated at least $1 Trillion is lost by the foreign banks.

subprime Mortgage Mess Explained (with voice)
Posted by: TFFUtility

Video duration: 367 seconds
Global video hits: 54567

from: www.businesspundit.c om Please support the businesspundit.com

Related: sumbprime, mortgage, explained, white, collar, crime

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Latest comments made on this video:

Haha I loved the ...
By: b1gr1g. on 23 Feb 10, 22:35:11
Haha I loved the video- funny and educational! "Yea, just say you fucked up".

Really funny video. ...
By: italia4356. on 12 Feb 10, 03:13:45
Really funny video. But what happened to the Federal Reserve, FDIC, Fanny & Freddie Mac, Dot com bubble, Moral Hazard?

People want to ...
By: Brantoc. on 10 Feb 10, 03:33:42
People want to change healthcare, or tax banks, or whatever, but HAS ANYONE PROPOSED ABOLISHING THE MORTGAGE BACKED SECURITIES MESS? no. Whiskey Tango Foxtrot

Sorry folks, you ...
By: 407buddy. on 10 Jan 10, 17:49:48
Sorry folks, you have been had, peed on, scammed and lied to. WallStreet bailouts were rigged and a fraud, market manipulations, high freqency trading, flash orders, naked short selling by: Goldman, JPM, Cit, MorgStanley, Aig, stay away from this scum. The Fed, Comex, ETF's, Govt data: frauds. Your labor devalued to Zero. Pull your money out, walk away from your mortgage and CC card debt, We can beat them at their own game, buy pure silver bullion, buy local mom and pop. Starve The Beast!

Add in illegals ...
By: bill127234. on 14 Nov 09, 16:37:48
Add in illegals buying houses and kaboom. It all started with CRA 1977 and Jimmy Carter.

i get it now!!
By: aldezmail. on 16 Oct 09, 01:44:56
i get it now!!

that was ...
By: Hasvelt. on 05 Oct 09, 03:27:40
that was interesting.

More than 84 ...
By: aikido7. on 30 Sep 09, 20:35:30
More than 84 percent of the subprime mortgages in 2006 were issued by private lending institutions. Private firms made nearly 83 percent of the subprime loans to low- and moderate-income borrowers that year. Only one of the top 25 subprime lenders in 2006 was directly subject to the housing law that's being lambasted by conservative critics. Fannie Mae & Freddie Mac? Uh, no. ACORN? Uh, nope again. Try George Bush, Phil Gramm and all the values voters.

the bible says the ...
By: betrayer006. on 09 Sep 09, 16:18:04
the bible says the same stuff about debt so there is nothing special about your koran

That mortgages are ...
By: RichFoe. on 10 Aug 09, 02:50:21
That mortgages are realy smelly.

mortgageartist. com ...
By: MrMortgage1. on 24 Jul 09, 03:46:39
mortgageartist. com The best thing you can do is arm yourself with knowledge, even better if it's free. a little time and a few clicks now could save you years and thousands of dollars later. the choices you make today define your tommorow.

Yes as a broker in ...
By: bluenose1006. on 08 Jul 09, 13:32:13
Yes as a broker in the UK i agree were all in a mess.

nice
By: MrMortgage1. on 23 Jun 09, 04:44:24
nice

mortgageartist. com ...
By: MrMortgage1. on 23 Jun 09, 04:41:40
mortgageartist. com Your path to the best mortgage information resource around. Educating yourself costs you nothing, ignorance can cost you everything.

Nice
By: gabrieldenis. on 20 May 09, 20:37:11
Nice

really good one
By: quikesanjur. on 14 May 09, 22:08:27
really good one

interesting!
By: JavelinMusic. on 07 May 09, 20:47:02
interesting!

Not only mortgages, ...
By: clairehsu2008. on 24 Apr 09, 08:57:16
Not only mortgages, student loan is also crazy...many Asian countries' college loan is only lower than 2% fixed for life...sigh!!

the dumb 'helium ...
By: porcelinnadoll. on 20 Apr 09, 19:46:49
the dumb 'helium ballon' voices are VERY distracting. Ugh

very good question! ...
By: shroomduke. on 17 Apr 09, 01:02:21
very good question! it seems to me that there was a novice getting a loan and a PROFESSIONAL selling the loan, yet so many want to blame the little old lady that was just trying to make a living!

Sorry no one knows ...
By: EasyEs. on 16 Apr 09, 02:09:29
Sorry no one knows how well the CRA loans performed on an individual basis. The study the treasury department put out about that said that in bundled securities they thought that CRA loans performed just as well as the other loans in the bundle because they had no way to tell otherwise. In my opinion with the threat of government action and litigation every time you refuse a loan you'll just start handing them out all the time.

We need 30 year ...
By: November302008. on 06 Apr 09, 21:57:41
We need 30 year fixed rate mortgages to be 2.5 % or lower.

CRA loans default ...
By: FWEEPSTAR99. on 04 Apr 09, 04:50:48
CRA loans default at a lower rate than others. Over half of the people that received sub-prime mortgages qualified for prime rate mortgages. There was strong pressure by lenders to to get people into the sub-prime mortgages. The people taking out ARM mortgages never intended to pay them off or even live in the house. They were skeezy people with money to burn who intended to buy property and flip it as soon as the value of the home rose through market value that was ballooning unrealistically.

this is a great ...
By: jkratz930. on 31 Mar 09, 03:53:48
this is a great video. i actually learned what this dumb thing was about.

What I don't ...
By: bcmalloy. on 24 Mar 09, 11:48:27
What I don't understand is people who received these loans are not automatically refinanced by law as they were clearly mislead and defrauded by those selling a product dressed up as a loan to buy a house they could one day own when in fact they could never own the property they bought with one of these loans? why are the people who defrauded the public not held accountable for their actions ?

Mortgage-backed securities II
Posted by: khanacademy

Video duration: 574 seconds
Global video hits: 33650

Part II of the introduction to mortgage-backed securities

Related: finance, mortgage-backed, security, mbs, khan

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@tml337 They pay ...
By: MsMcwill. on 18 Mar 10, 11:19:33
@tml337 They pay $1100 up front to get $100/year for 10 years. So they get a total of $2000 paid back at the end of the 10 years. ($1000 principle + $100/yr * 10 yr interest payments). This is appealing to pension funds or retirees bc they get a steady stream of interest payments.

Why would the ...
By: tml337. on 18 Mar 10, 03:10:28
Why would the investor slash new shareholder pay $1,100 up front to only get $1,100 over time? I'm gonna assume you meant that they pay a lot less than that but that the investment bank that created the corporation still makes more than what they spent.

@honolulutradewind ...
By: tml337. on 18 Mar 10, 02:58:47
@honolulutradewind - GrammLeachBliley Act 1999

continued.. who ...
By: SuchisLifeIA. on 30 Dec 09, 00:43:20
continued.. who made the extra layer and stimulated the purchases, are the ones who should be bailed out. Hmm.. do you have lessons on the bail out plans and the medical overhaul?

So.. the person in ...
By: SuchisLifeIA. on 30 Dec 09, 00:39:31
So.. the person in the red is the person who went to buy the house. He also purchases those stocks for his retirement, and he is the one who loses his job. Since he is losing at both ends, he kind of changes the easy money scene for those with their secure securities. Without those taking out the home loans and buying the stocks disappear from the market because they have no job. Ok.. thinking thoughts. I'll go back to listening. I'm waiting to hear why in this framework the large companies

Since the investors ...
By: CBossyful. on 13 Dec 09, 11:40:17
Since the investors are buying loans, its a type of bond.

So this "shares" ...
By: TomekLeeChan. on 05 Dec 09, 12:38:25
So this "shares" are stock or bonds?

It makes 5m risk ...
By: Kikkan110. on 27 Nov 09, 19:22:12
It makes 5m risk free, but it could have made much more with some risk in the long run (according to this model) if it would keep its loans. The irony is that if banks starts to behave this way the banks who operates more traditional (not sell their loans) would be stuck with all the downside if (when) the housing market tanks. So a bank has every incentive to get rid of housing loans and make short term profits and thus further increase the incentive to make rotten loans.

i think it is ...
By: catharthic. on 27 Nov 09, 18:51:24
i think it is because they are getting cash (lots of it) every time they try this model...then they can replicate it again and gain more cash in one short period of time rather than over the course of 10 years even if it would have been more. someone correct me if i am wrong.

Amazing!!
By: akshayswaroop. on 25 Nov 09, 18:03:40
Amazing!!

well done
By: guccianaa. on 01 Nov 09, 22:23:57
well done

Who allowed the ...
By: honolulutradewind. on 20 Oct 09, 17:26:36
Who allowed the Banks to sell their right to the investment bankers? Who manipulated or changed the law/rules/ regulations? Unbelivable. Unlimted greed. super presentation. Who( Entity) is in charge of the rules and regulation of the banks?

Who allowed the ...
By: honolulutradewind. on 20 Oct 09, 17:22:52
Who allowed the Banks to sell these right to the investment bankers? Obviously there was a law or rules and regulations, who broke all these for their greed. Unbelievable. thank you for your presentation, superb!

superb presentation
By: bananaminge. on 16 Oct 09, 00:08:59
superb presentation

Thanks so much for ...
By: kolomgorov. on 26 Sep 09, 08:55:48
Thanks so much for this series. I've been wondering what was at the bottom of this whole mess for a while now.

Great presentation ...
By: MiriZemel. on 23 Sep 09, 19:08:31
Great presentation -- so helpful.

What is the Key ...
By: 2fuck2shit2. on 08 Sep 09, 20:22:06
What is the Key disfavors by Having Your Mortgage realmortgagepaid.blogspot. com

K110, if you are ...
By: DCady452. on 04 Sep 09, 02:41:00
K110, if you are referring to the bank that 1st made your loan when you ask about the "small commercial bank", by selling its loans it is deferring the risk to the purchaser of these loans. Remember in this vid and a previous one that the small commercial bank receives a fee for acquiring the loan (I think 5000 is used) it would receive 5M (5000X1000) on virtually no risk (which has all been deferred with the sale of the mortgages). Therefore the bank makes a basically risk-free 5m profit.

Why would the small ...
By: Kikkan110. on 28 Aug 09, 14:15:43
Why would the small commercial bank sell its loans when it would earn much more by keeping them and collect the payment stream from the borrowers?

yeah,your the man :D
By: Lunatic4ever. on 02 Aug 09, 12:10:59
yeah,your the man :D

god damn it, you ...
By: ILoveGoodFellas. on 13 Jul 09, 11:39:11
god damn it, you need a show on CNBC, i swear to god

u know how to ...
By: pagalmadman1. on 12 Jul 09, 20:03:24
u know how to present very very well.......thnx again

A good mortgage is ...
By: MrMortgage1. on 23 Jun 09, 04:48:43
A good mortgage is like a work of art. mortgageartist. com

cool
By: MrMortgage1. on 23 Jun 09, 04:48:16
cool

i have a question!! ...
By: romish12. on 20 Jun 09, 01:25:49
i have a question!! when you buy get a loan for a house you actually paying only the interest? or the principle also?

Mortgage-backed securities III
Posted by: khanacademy

Video duration: 557 seconds
Global video hits: 29851

More on mortgage-backed securities

Related: finance, math, economics, khan, academy

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Latest comments made on this video:

But how if the SPE ...
By: AlbinoRodriguez. on 26 Jul 09, 00:04:24
But how if the SPE is formed 100% from money of the investors. Where did you get that officers hold 51% of the stock authorized? I am interested in learning more about it.

I believe that the ...
By: occidental88. on 25 Jul 09, 19:32:56
I believe that the SPE still maintains ownership of the loan rights because the officers collectively still hold more than 51% of the stock authorized. This is why today we are seeing investment banks that are losing tons of cash through these deals that were top-heavy a few years ago in the housing market. Investors obviously have gone through huge dividend cuts so everyone really loses.

mortgageartist. com ...
By: MrMortgage1. on 24 Jul 09, 03:45:25
mortgageartist. com The best thing you can do is arm yourself with knowledge, even better if it's free. a little time and a few clicks now could save you years and thousands of dollars later. the choices you make today define your tommorow.

"i don't know" - ...
By: pagalmadman1. on 12 Jul 09, 20:23:35
"i don't know" - takia kalaam of sal

My question is, who ...
By: AlbinoRodriguez. on 20 Jun 09, 16:25:10
My question is, who owns my loan? original bank got paid from investment bank. Investment Bank got paid thru the MBS or investors. If i default, who has the legal right to foreclose? If the investement bank already got paid?

Just a thought: ...
By: DaBrit3. on 27 May 09, 05:05:43
Just a thought: maybe some of the people watching these vids are a little too advanced in their knowledge of the subject. These vids are for novices, like myself. Thanks for all you do, Sal.

Paulremote, I was ...
By: DaBrit3. on 27 May 09, 05:01:05
Paulremote, I was thinking the same thing about the $2Billion going to the SPE.

I would like to ask ...
By: pjblabla. on 25 May 09, 11:23:34
I would like to ask a question when a regular bank gives out $1 billion worth of loans it uses fractional reserve banking rules to bring new money into existence - right? is it that when an investment bank buys these mortgages and sells them further - then existing money (i.e. savings) gets used. Now, that most of these mortgage backed securities have gone to dirt - so is it that existing money (i.e. money that is no longer debt) got destroyed? any responses are welcome

lol that is why we ...
By: hakker2002. on 21 May 09, 02:23:14
lol that is why we r in this financial crisis all thx to ABS, MBS, CDO and Credit difoult swaps CDS, do not learn this or i will be very conserned in US banking system in the future

They create ...
By: pcuimac. on 14 May 09, 13:17:57
They create giromoney in an account not "real" money. Most of the money today is only a number on a computer harddisk.

Public Sector debt ...
By: asierra1492. on 11 May 09, 02:42:31
Public Sector debt is 13 trillion Private Sector debt is 38 trillion.

Is it because of ...
By: apeytube. on 22 Apr 09, 11:00:47
Is it because of the 50% recovery rate? 20M of 100M default but 10M is recoverable, so total 10M loss?

My question: In the ...
By: paulremote. on 22 Apr 09, 06:05:32
My question: In the case where 20% borrower default, there seems to be a 15% loss in Total, why do you mention only a 10% loss?

Ideally, borrowers ...
By: paulremote. on 21 Apr 09, 02:04:47
Ideally, borrowers pay 10% per year over 10 years and pay back the total amount at the end. The investment bank receives $2Billion from borrowers. If 20% default, with the 50% recovery on their properties. The investment bank will get $100m from the recovery $800m from end pay-back Year : 1 2 3 .... 9 10 Interest $: 80m 80m 80m 80m 80m That is $800m over 10 years + $800m from the total properties + $100 from the recovery, that makes $1.7Billion, 15%loss??

In response to ...
By: futureeconomist. on 18 Apr 09, 22:57:33
In response to bubkboss1: Believe it or not, $4.2 trillion of the debt is actually owed to the federal government itself. That means it's owed to gov't agencies such as the Federal Reserve and Social Security. This kind of debt, ARGUABLY, doesn't have to be repaid. (Kinda like you paying back yourself). Secondly, most of the remaining $6.8 trillion is owed to domestic American citizens/corporations. The gov't owes China $1 trillion, which, comparatively isn't bad as saying "China owns us."

The notion that the ...
By: futureeconomist. on 18 Apr 09, 22:35:53
The notion that the Treasury Department is printing billions of dollars in money is completely FALSE. Just because the media shows money being printed anytime they cover financial news DOESN'T mean the Treasury prints money on a daily basis. It is imperative you know that the Federal Reserve actually SHREDS $400 million dollars in a SINGLE DAY. Trust me, I have personally been to the Federal Reserve bank and seen $100 notes and $1 notes being shredded and removed from the circulation constan

I'm reading When ...
By: Melville10. on 28 Mar 09, 20:32:01
I'm reading When Giants Fall by Michael Panzner. What you are discussing, according to Panzner, is a distinct possibility. Panzner cites that many countries are moving on financially because they have reached the point that America is no longer important to their wealth (e.g. Russia doing deals with Iran and China and omitting the U.S.) Panzner's 2007 book, Financial Armageddon, is frightening in that what he talks about in 07 is happening now.

Terrific
By: jerry3238. on 14 Mar 09, 05:26:23
Terrific

our currency used ...
By: dpod916. on 05 Mar 09, 19:50:26
our currency used to be backed by gold, now it is backed by government treasuries which are basically bonds that the government is obliged to honor, and yes alot of foreign countries own these mainly china. and to you second question if they no longer wish to purchase our treasuries which could very well happen very soon because of our printing billions due to bailouts then we would have a currency collapse and hyper inflation as seen in germany in the 1930s.

Very good stuff. ...
By: buckboss1. on 09 Feb 09, 16:37:57
Very good stuff. Made easy enough for the common guy to understand. I looked at your other videos but did not see one explaining how our country gets into debt. If we have 13 Trillion as a country in debt, who do we owe? Do we print money or do we issue bonds? What if foreign countries don't want to buy our bonds?

thanks
By: Furiouz7. on 05 Nov 08, 01:12:33
thanks

Now, not only the ...
By: kggoh. on 15 Oct 08, 01:07:22
Now, not only the default make the problem worst, the asset(house) value went down, eg. 20% of 1b defaulted = 200m worth of asset, the owner r not able to make payment, the bank took their asset and put in on auction, guess what, if the asset value now drop to just 50%, the bank can only recover 100m, ie, it loses not only the interest of 200mx10%, 20m per yr, also the capital is reduced by 100m.

Sorry 08b x 10=.8b ...
By: busrider85. on 08 Oct 08, 20:23:12
Sorry 08b x 10=.8b plus .9b initiall =1.7b hence .7b profit on 1 b investment

If 20% default=> .8 ...
By: busrider85. on 08 Oct 08, 20:17:17
If 20% default=> .8 b left to pay 10%=> .08 b on a .8b + .1b=.9 b asset now. Hence return on investment = .08b x 10 years plus initial .9 b= .98b => loss of .02 b

Very good video. ...
By: RobinHaryanto. on 01 Oct 08, 18:17:49
Very good video. but maybe it's just me, but i think it would be better if you would not do those quiet muttering to yourself, it gets hard to follow after a while. Otherwise, it's a great video, very informative.

sub-prime mortgage blues
Posted by: EJSKanye8585

Video duration: 439 seconds
Global video hits: 31148

BUY THIS SONG www.cdbaby.com Simple musical explanation of what happened to create sub prime mortgage crisis lyrics and slide show by gregg somerville music by chris conti

Related: mortgage, crisis, real, estate, bernanke, stock, market, ron, paul

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Latest comments made on this video:

Good analysis, ...
By: bulbheadmyass. on 28 Nov 09, 23:43:21
Good analysis, Nin1963. Remember also that Bush changed the bankruptcy laws before the bubble burst to make it harder and more difficult to file.

This is an awesome ...
By: bulbheadmyass. on 27 Nov 09, 21:08:30
This is an awesome song and a great video. This one is also going into my Economic Humor playlist.

All socialistic ...
By: mikejackson4ever. on 25 Sep 09, 09:23:29
All socialistic market interference and market interference. Funny how capitalism gets blamed for the stupidity of faggots like Barney Frank.

Sad shit actually!
By: Melindaca2. on 12 Sep 09, 02:00:22
Sad shit actually!

What is the Key ...
By: 2fuck2shit2. on 08 Sep 09, 20:23:09
What is the Key disfavors by Having Your Mortgage realmortgagepaid.blogspot. com

cOOL VID:d
By: SAKUwBarakuSHOW. on 10 Jun 09, 12:50:02
cOOL VID:d

I don't think many ...
By: elliottsmith9. on 22 Feb 09, 14:32:38
I don't think many youtube songs could sustain me for 7 minutes. This one did cause it was awesome. So many good lines.

Thanks for posting ...
By: wellsfargoinjustice. on 21 Feb 09, 03:42:46
Thanks for posting - great video!

The best ...
By: ssalavei. on 09 Feb 09, 00:49:08
The best explanation I've ever heard :-)

AWESOME!
By: jennnyc. on 06 Feb 09, 15:26:14
AWESOME!

thehelpfund.blogspot
By: mannyfeseha. on 06 Jan 09, 04:26:24
thehelpfund.blogspot

Very informative ...
By: DrewDownsManagement. on 03 Jan 09, 17:36:45
Very informative video. I took some notes on the video and how it was done. I gave it 5 stars. Check out our vids and tell me what you think? We have some good stuff also.

Awesome! :D
By: Hellfirept. on 11 Dec 08, 23:36:26
Awesome! :D

IIIIIIIIIIIIIIIII ...
By: sams2000bmw. on 26 Nov 08, 03:40:17
IIIIIIIIIIIIIIIII got the Ben Bernacky blues...

MUAH!!! MSG me on ...
By: ahdoda. on 19 Oct 08, 00:15:10
MUAH!!! MSG me on MSN. ID is in my profile. K

im soOoo bored ...
By: 183044. on 16 Oct 08, 13:14:46
im soOoo bored right now =( goto my profile and msg my msn name if u want to talk Q

This is song Golden ...
By: bggrgg13. on 13 Oct 08, 20:40:22
This is song Golden, so true so true we are screwed!!!

Each member of ...
By: carrotjuice1234. on 02 Oct 08, 18:44:51
Each member of congress should be required to watch this before they vote on the bailout.

Nice work Gregg. ...
By: kielhoff. on 23 Sep 08, 02:14:54
Nice work Gregg. Very well done.

best explanation of ...
By: kosemekars. on 18 Sep 08, 10:52:44
best explanation of the sub-prime crisis i've seen so far.

Very informative ...
By: MorgageRates. on 28 Aug 08, 02:35:49
Very informative video! Thank you for sharing. Please check out our videos too. We are helping a lot of people shop for home loans with any bank and any broker.

Rofl, when this ...
By: jnby. on 28 Aug 08, 01:58:58
Rofl, when this video was made, $100/barrel seemed like a lot.

you're a genius! - ...
By: RebelGirlCinblonde. on 24 Jul 08, 12:22:52
you're a genius! -Cinderella

I know Gregg ...
By: kornykab. on 04 Jul 08, 02:17:39
I know Gregg Somerville- his son is my friend and he's just about the coolest, funniest dad I know.

very entertaining ...
By: guyrees10. on 26 Jun 08, 22:45:47
very entertaining video.

Nov 2006 Peter Schiff Mortgage Bankers Speech Part 1 of 8
Posted by: EPAdmin

Video duration: 596 seconds
Global video hits: 103656

In 2006 Peter Schiff tells over 1000 mortgage brokers they are about to be out of jobs. Watch how he completely nails the coming real estate/mortgage debacle before anyone else even realized it was coming.

Related: peter, schiff, economy, commentary, analysis, mortgage

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Latest comments made on this video:

@JurkoffJay i don't ...
By: OK2BCK. on 16 Mar 10, 08:53:19
@JurkoffJay i don't think he should keep his opinions to himselt hence this is a comment feature. better idea would be to have own opinion and offer it us so it might enlight others of perhaps better way of understanding. I understand what are you saying but please don't find yourself on the dark side of an argument for the sake of the argument itself. You understand what I mean.

Anybody seriously ...
By: Nintendomanwill. on 06 Mar 10, 20:45:47
Anybody seriously interested in economics who's watching this, don't you think that China's old desire to keep the dollar high by keeping the yuan low by forcefully preventing imports to China by hoarding dollars confiscated from the people (and then the machine works by itself) had some intent other than just limiting American exports? Given the bubble economy causing rising price indices for housing (the pith of overrating actual demand) their hoarding was perhaps to CREATE that debt economy?

@pretorious700 ...
By: GtheMVP. on 06 Mar 10, 05:32:34
@pretorious700 Easy now, you just broke this guy's bubble, the bubble his supremacist beliefs long instilled in him.

I could listen to ...
By: GtheMVP. on 06 Mar 10, 05:30:16
I could listen to this guy endlessly, it's just common sense, as it usually is.

A black power ...
By: ilferrari. on 14 Feb 10, 14:41:40
A black power Navajo arguing with a white devil Aymara... I guess I really have seen it all. What was this video about again?

moron? Ok, that's ...
By: JurkoffJay. on 03 Feb 10, 00:27:20
moron? Ok, that's enough of out of you white devil.

Obitchyouwary ...
By: bobgnote. on 03 Feb 10, 00:18:11
Obitchyouwary couldn't out-dive two more experienced Bush-pilots when Joe Plumber was on Debate III with an IQ of TWO for a half-hour, so Granny Maddie told Bam he was Kenyan, she died, and that's all I have to say about THAT. Shoulda dumped, but he gumped past Cosby and Bel Air, which tell him to STAY HOME, and leave Star Trek to the conventioneers, but NO! We wait for Disney to roll over and invent a new cartoon, for Mr.President. Planes, copters, and cars roll over, in 2011. Got volcanoes?

No, moron, I didn't ...
By: pretorious700. on 02 Feb 10, 23:48:47
No, moron, I didn't say they were the same...what would quantify "strength" in a gene other than dominant vs. recessive?

No. You're ...
By: JurkoffJay. on 02 Feb 10, 22:44:59
No. You're mistaken. Do your research, and please keep your OPINIONS to yourself. It would be like saying a brown bear has the same genes as a black bear, polor bear, ect..

lol.....genes are ...
By: pretorious700. on 02 Feb 10, 22:39:56
lol.....genes are genes, none is "stronger" than the other.....that's racist nonsense

fuck yo hairy mama
By: Hivento. on 20 Jan 10, 00:04:26
fuck yo hairy mama

I'm Navajo as all ...
By: JurkoffJay. on 18 Jan 10, 18:04:00
I'm Navajo as all hell, devil. And fuck your dad!

dude ur bs, ur not ...
By: Hivento. on 18 Jan 10, 17:51:11
dude ur bs, ur not a Navajo , my dad would smoke blunts everyday with the spiritual crew but ur a disgrace

Nothing, if your ...
By: JurkoffJay. on 18 Jan 10, 17:18:40
Nothing, if your the devil.

whats wrong with ...
By: Hivento. on 18 Jan 10, 12:34:30
whats wrong with mel gibson

Are you out of your ...
By: JurkoffJay. on 18 Jan 10, 05:50:35
Are you out of your mind devil?

im Aymara, they ...
By: Hivento. on 18 Jan 10, 05:43:13
im Aymara, they just so happen to be white, theres some good white ppl, mel gibson. isnt it the white majority that supports the minoritys though in goverment aid :P

That's because the ...
By: JurkoffJay. on 18 Jan 10, 01:04:45
That's because the African's genes are stronger than the genes of the white man. Thus the reason those devils want to kill us... I'm Navajo by the way.

but he look like ...
By: Hivento. on 18 Jan 10, 00:35:06
but he look like butta chocolate

What about his ...
By: JurkoffJay. on 17 Jan 10, 21:46:47
What about his cracka ass? He's from a white womens whomb.

what about obama
By: Hivento. on 17 Jan 10, 19:29:30
what about obama

Bring'em all if ...
By: JurkoffJay. on 16 Jan 10, 23:20:10
Bring'em all if you'd like. All long as you're cool with black folk, then I don't mind. Maybe you can help us take down this white devil we've been dealing with. Then we can heal mother nature, and start living in peace again.

his name sounds ...
By: Hivento. on 16 Jan 10, 23:11:35
his name sounds jewish, im pretty sure hes divine

got more cousins ...
By: Hivento. on 16 Jan 10, 23:08:44
got more cousins comming

dont worry im a spic
By: Hivento. on 16 Jan 10, 23:08:30
dont worry im a spic

subprime Mortgage Blues
Posted by: MoneyTalksNews

Video duration: 93 seconds
Global video hits: 30616

If your credit isn't the best, you might be familiar with sub-prime loans: they're the kind with a high rate for people with low credit...

Related: mortgage, finance, money, prime, loan

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Latest comments made on this video:

What is the Key ...
By: 2fuck2shit2. on 08 Sep 09, 20:22:49
What is the Key disfavors by Having Your Mortgage realmortgagepaid.blogspot. com

no, that's not true ...
By: jandean61. on 16 Aug 09, 04:55:20
no, that's not true. I was a 24 yr old Mortgage Broker in Central FL just doing my job. When a AccT Ex would come to sale us a new program my understanding was that this was under great supervision. Boy was I wrong.

It's true eveyone ...
By: VidsbyEM. on 30 Jun 09, 20:59:47
It's true eveyone involved knew this bubble would burst. They ALL had a part in creating this so we would have a recession today. Get your facts and fight lenders legally!!

Relan Real Estate ...
By: greedisrootofevil. on 06 Jun 09, 16:31:45
Relan Real Estate and Mortgage will get their pay back for steering customers into sub prime loans and for fraud.

Bin Laden and the ...
By: bhite41. on 30 Apr 09, 06:39:58
Bin Laden and the terrorists are responsible for this mortgage mess, according to Bush, not the good people of Wall Street

more false BS-- ...
By: BBmyQ. on 21 Apr 09, 04:10:34
more false BS--actually ACORN along with congress forced lenders to give credit to people with poor credit--and banks got greedy and did what they asked. That coupled with poor financial awareness of the borrower not reading thier loan documents caused the problem..

look where we are ...
By: flagship21. on 26 Feb 09, 07:54:01
look where we are today, facing the greatest financial crisis since the ameican revolution

Thank you for your ...
By: JohnStumpfWF. on 23 Feb 09, 16:10:35
Thank you for your insights!

Maybe in your area, ...
By: telmnstr. on 17 Jan 09, 01:37:27
Maybe in your area, but over America this isn't true. Many people with good credit jumped in to make cash fast. There will be another wave of foreclosures coming up, as Alt-A and prime loans reset. Subprime was first but it's not limited to subprime loans.

thehelpfund.blogspot
By: mannyfeseha. on 14 Jan 09, 23:48:08
thehelpfund.blogspot

thehelpfund.blogspot
By: mannyfeseha. on 06 Jan 09, 04:28:07
thehelpfund.blogspot

i think its so ...
By: EricBoisen. on 03 Dec 08, 03:19:54
i think its so funny watching this now and hearing the last few lines lol

"Hispanics weren't ...
By: RottweillerRescue44. on 19 Oct 08, 07:33:32
"Hispanics weren't being greedy, they were being had" Quite true, and by their "friends," the Democrats. While Obama & the Democrats were cashing their big paychecks from FannieMae & FreddieMac, McCain and 18 other REPUBLICAN Senators were loudly predicting this disaster and trying to STOP it. Their letter (May 2006): tinyurl (dot) com/3q6dc9 (fix the "dot") Note that NOT ONE DEMOCRAT signed this letter. Where was Sen. Obama that day? Running for President, too busy to give a shit.

Without regulations ...
By: AwakenToYourTruth. on 19 Oct 08, 02:58:46
Without regulations, people tend to do the greediest and stupidest things. But we need the learned to lead the way. Why don't they lead us on the right path instead of the wrong one?

I worked in the ...
By: Gary1111001. on 03 Oct 08, 23:33:11
I worked in the mortgage ind. from 04-07. The above post is true except Hispanics weren't being greedy, they were being had. And it wasn't just hispanics, though they are given benefits that others are not.

HISPANICS were the ...
By: tellthetruthh. on 26 Sep 08, 05:22:06
HISPANICS were the major group to hold SUBPRIME LOANS. HISPANICS were given loans when other groups could not get them. Now they want to be bailed out of their mess!!!If they weren't so greedy they would not be in this situation. Most of them didn't even have SSN oe EINS.Now BUSH has made it possible for them to get bailouts without SSN or EINs!!! S0illegals aliens are milking the system again!!! While Americans pay the bill!!!

The SUB PRIME LOANS ...
By: iamauscitizen. on 24 Sep 08, 21:36:21
The SUB PRIME LOANS which caused this crisis in the Mortgage Industry are always in the HISPANIC COMMUNITY across the country. Who is responsible for giving the SUB PRIME LOANS TO MAJORITY HISPANIC PEOPLE?Why is PRESIDENT BUSH allowing OUR TAX DOLLARS to rescue peoples' homes who have NO SOCIAL SECURITY NUMBER!HOW can you tax or track a homeowner who has NO SOCIAL SECURITY NUMBER OR EIN NUMBER?I have a right to know.I am a US CITIZEN.I am tired of giving ILLEGAL ALIENS ANOTHER free ride!!

Well, see you on ...
By: Cubicleboy04. on 29 Jul 08, 23:03:09
Well, see you on capital hill...

I swear, if there ...
By: stinkypoon. on 28 Jun 08, 17:49:48
I swear, if there is a bailout, I'm going to march up to capital hill.

Stated Income is ...
By: Fredzep2k. on 28 Apr 08, 02:04:37
Stated Income is essential for Self Employed Borrowers. Anyone who understands self employment writes off everything they can and pays themself as little as possible W2 money to minimize taxes. These folks may be more than qualified for X mortgage.

People who use ...
By: nesnman. on 25 Apr 08, 16:06:33
People who use subprime loans already are a credit risk. I own both of my homes and I'm doing great. But I keep my cars for at leasts 10 years and I don't have any debt.

Do you want a medal ...
By: nesnman. on 09 Apr 08, 12:23:17
Do you want a medal for being an a hole? I'm sure you already have plenty.

Do you want a medal?
By: georgewtwat. on 09 Apr 08, 07:01:59
Do you want a medal?

Absolutely they ...
By: Nin1963. on 07 Apr 08, 17:05:00
Absolutely they both were. And, we have to recognize that a complete hands off of these banks and these new products is a no no. We must have a healthy balance between some regulation (let's face it, if we left every business do whatever the hell they wanted, we would all be dead from toxic air and water) and pro business to support growth. But we MUST have oversight.

Fair enough. I ...
By: JohnR22926. on 07 Apr 08, 16:58:06
Fair enough. I don't disagree with any of this. Lets also acknowledge that both Reps and Dems were all in favor of expanding home ownership...for legitimate social and economic reasons. One more example of govt "good intentions" resulting in unintended consequences.

Mortgage Squatting - CNN
Posted by: consumerwarningnet

Video duration: 200 seconds
Global video hits: 9683

With foreclosure looming and powerless to do little else, troubled homeowners trying to hang onto their home are being advised to just stay in their homes despite foreclosure proceedings.

Related: bailout, bear, bill, countrywide, cramdown, emc, foreclosure, meltdown, mortgage, squatting, stearns

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No crisis people. ...
By: SexyMelon. on 16 Feb 10, 18:17:53
No crisis people. Everything if fine. Everything is normal. :D :) :| :(

And like I said, in ...
By: wildpeachatl737. on 10 Aug 09, 03:16:21
And like I said, in GEORGIA, if there is a non-judicial foreclosure on record and the new owner files eviction papers and you ignore them or the case is not ruled in your favor - which assuming, if one chooses to squat they will do either one or the other - they CAN and WILL legally put your things in the street and you have no legal recourse. Laws vary from state to state and this is not sound advice for those who live in Georgia.

Like I said they ...
By: SuicideSeattle. on 09 Aug 09, 22:32:15
Like I said they can not throw your things in the street that is destruction of property and is illegal in any state. There is no legal right for them to throw it out in the streets and break the law. All they can do is let it sit in the house until you are able to collect it or give you 24 hour notice that they are putting it in storage and send you the bill for that. If anyone ever throws your stuff on the streets report it and then take them to court to seek damages for the property.

Not if there is a ...
By: wildpeachatl737. on 28 Jul 09, 13:46:12
Not if there is a legal foreclosure on record, they can and will and it's all within the law. They may not literally throw it in the street, but they certainly can remove your property out of the premises, secure it and arrest you if you try to re-enter as you become a trespasser once the evicition warrant has been posted and served. At least that's how it works in Georgia.

It is illegal for a ...
By: SuicideSeattle. on 27 Jul 09, 03:20:02
It is illegal for a sheriff or anyone from law enforcement to throw your things out in the street. Because that is destruction of property. Law enforcement is only allowed to uphold the law not allowed to break the law.

Although squatting ...
By: wildpeachatl737. on 26 Apr 09, 17:15:11
Although squatting may sound like the right thing to do as an activist movement, it's not very practical, especially here in Georgia. They'll just get the sheriff to throw your things in the street, as once the foreclosure has gone through, they have the legal right to do so. Go to your county courthouse and make sure the chain of ownerhsip of your original mortgage is recorded. If it's been assigned to MERS, you'll have to contact them to get that information.

Stay put and the ...
By: LHoney547. on 04 Mar 09, 20:49:45
Stay put and the banks better recognize that people are having foreclosure parties, so buyer beware if you do buy a foreclosed house. Foreclosed party leaves the house gutted, they invite their friends and family and let them take whatever. kitchen cabinets. flooring, copper pipping.. whatever. That means WAKE THE F* UP BANKS. THERE ARE PEOPLE LIVING IN TENTS FOR GOODNESS SAKES.

I Agree!!!! Stay ...
By: notu286. on 04 Feb 09, 12:16:44
I Agree!!!! Stay put! Thanks Marcy!

What to expect? ...
By: result321. on 03 Feb 09, 18:20:19
What to expect? What to do next? Watch ZEITGEIST Addendum

Good to hear ...
By: Weapon01. on 03 Feb 09, 05:58:52
Good to hear another Congress Critter speaking for We The People.

:D good luck people
By: GamlGandalf. on 02 Feb 09, 18:13:39
:D good luck people

DO NOT LEAVE YOUR ...
By: banjojambo9. on 02 Feb 09, 00:57:04
DO NOT LEAVE YOUR HOME .we will overcome!!!!!

Squatting families ...
By: eyewitness043. on 31 Jan 09, 03:16:02
Squatting families aren's "loosers"! Don't say that "If I had to get out they gotta get out". Why? Because Wall Street didn't get out. Instead they got bailed out, while hardworking Americans got Kicked out. No Doubt. Not to mention, there's not enought money on the streets for everyone to eat. The International Banks with Wall Street's permission are heaping HOMELESSNESS on the backs of the American people. For this to be occuring during record Job losses is an economic war crime.

Do not leave your ...
By: banjojambo9. on 31 Jan 09, 01:47:48
Do not leave your homes! this is just the beginning .I will be squatting

Mr Mortgage - HERE COMES THE ALT-A CRISIS 4-16-08
Posted by: markmti

Video duration: 600 seconds
Global video hits: 54664

Visit my new blog... mrmortgage.ml-implod e.com Mr Mortgage Exposes ALT-A Crisis Coming to a City Near You Soon

Related: mr, mortgage, economy, lehman, bear, stearns, chase, wells, fargo, recession, banks, foreclosure, real, estate, subprime, alt-a, loan

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sorry for ...
By: encantoman. on 17 Feb 10, 08:18:24
sorry for latenessin my comment, BBmyQ, but when I see guys like the former countrywide crew reforming to catch riches on the downside, I cant help but think that when they were 'forced' to lend, it was more of a brer rabbit, 'please dont throw me into that thicket' deal. the bigs needed feedstock of loans, any loan would do, to securitize.

you know nothing. ...
By: mozilloCEO. on 27 Oct 09, 04:51:49
you know nothing. you're an ant in the afterbirth.

What is the Key ...
By: 2fuck2shit2. on 08 Sep 09, 20:21:03
What is the Key disfavors by Having Your Mortgage realmortgagepaid.blogspot. com

The problems we are ...
By: high5flyer. on 07 Jul 09, 22:16:32
The problems we are experiencing are not caused by sub-prime. It is a break down in society that is causing this problem! Japan experienced a decade known as the "Lost Decade." Japan is now experiencing two decades of economic turmoil due to this crisis. The 3rd decade is starting for them! We are just starting down a similar path, so how long will our economic problems last? The US will not have a "Lost Decade," but will have a "Lost Generation" due to how in debt young people have become.

There won't be a ...
By: kosai19. on 06 Jul 09, 02:46:46
There won't be a next one.

This problem can't ...
By: vinayakaya. on 05 Jul 09, 05:45:31
This problem can't be addressed it can only be endured... However, enduring something like this will be impossible for our economy now that we have allowed the fed to waste the revenue for the next 30 years on failed bail outs.

more false BS-- ...
By: BBmyQ. on 21 Apr 09, 04:08:42
more false BS--actually ACORN along with congress forced lenders to give credit to people with poor credit--and banks got greedy and did what they asked. That coupled with poor financial awareness of the borrower not reading thier loan documents caused the problem..

nawkrm ......bud, ...
By: MRMILO57. on 20 Feb 09, 00:12:41
nawkrm ......bud, that's exactly what has been happening in Australia here, in Queensland they were called the 'RENO KINGS'.....they buy a house that needs work, cheap as!... very cheap and tacky fittings and even used secondhand fixtures, sold it at a silly price within 1 to 3 months and people fell for it. Then there are the people with property portfolio's, there to blame as well. From what I am hearing those people are becoming very worried.

You're absolutely ...
By: nawkrm. on 18 Feb 09, 06:48:41
You're absolutely right. People took out mortgages they knew they couldn't afford simply because they expected to make a quikc profit by flipping the properties. The banks made those loans available, but those greedy flippers are the ones who chose to take a risks.

thehelpfund.blogspot
By: mannyfeseha. on 06 Jan 09, 04:27:08
thehelpfund.blogspot

Very informative ...
By: DrewDownsManagement. on 03 Jan 09, 17:37:01
Very informative video. I took some notes on the video and how it was done. I gave it 5 stars. Check out our vids and tell me what you think? We have some good stuff also.

good.
By: DebtElimination. on 27 Dec 08, 06:50:55
good.

Great vid thanks ...
By: marky1333. on 22 Dec 08, 00:06:43
Great vid thanks for the info.

There is a ...
By: gunsandroses1111. on 07 Dec 08, 10:32:22
There is a recession around every 18 years. Let it pass through then everyone can get back to "borrow and spend" .... till the next one ...

How can the problem ...
By: papatoony. on 27 Nov 08, 05:24:10
How can the problem be addressed?? All that money is GONE. The damage was done when the loans were given out...what can possibly be done about it at this point?

Anyone that has ...
By: MRMILO57. on 25 Nov 08, 05:53:15
Anyone that has taking on a mortgage in the past number of years (and deep down new they could not afford it) are to blame for this mess just as much as the banks and the corperations! I have no sympathy for either! Why should us innocent tax payers bale your greed and stupidity.

Just get ur credit ...
By: bacaca88. on 25 Oct 08, 16:42:06
Just get ur credit card out as normal. Stop worryin. Can always pay next month. Who needs cash? Get on the dole and enjoy life. Its what you all deserve in Uk for fucking the place up.

Great real info!!!!
By: BLACKWINGEDBEING. on 13 Oct 08, 21:09:26
Great real info!!!!

AND.. isnt it the ...
By: mikeybrumbrum. on 30 Sep 08, 12:12:37
AND.. isnt it the same as us, the peopel, since we are the ones who are payng this "bail out" fee, paying MORE for all our mortgages ?? Its a con, and ht epeopel who made the con, should be brought to justice !!!!

They lent LOTS of ...
By: mikeybrumbrum. on 30 Sep 08, 12:02:44
They lent LOTS of money so that house prices would increase dramaticaly. Then, they sold people "EQUITY RELEASE", so that they could BUY half yur house off you. NOW, they say there is a crisis, so the house price will fall - SOON they will own your WHOLE house (or anyone who had equity release, anyway). So, WHO is gonna bail me out of my "equity release" problems, which could lead to me losing the WHOLE of my house, to these bankers ?? NO oNE, thats who ! NOOOOOOOOOOOOOOOOO !!!

He makes some good ...
By: dojufitz. on 10 Aug 08, 04:17:50
He makes some good points here - thanks for talking slower in this one - others are like manic talk SPEED!! lol...

If this guy is ...
By: migrane222. on 20 Jul 08, 21:28:20
If this guy is correct, then watch e*trade (ETFC). See if its rally starts to roll over. It is one of the few banks he mentions by name in his posts, and though he doesn't say it directly, he obviously thinks its doomed.

First the earnings ...
By: migrane222. on 20 Jul 08, 21:20:47
First the earnings were terrible, but they did beat expectations, and for pps that's all that matters. In fact, the financials probably will continue to rally. The point he is making is that we are between storms and the next one is bigger and about to pick up momentum.

How come they just ...
By: freddytuber. on 20 Jul 08, 14:26:38
How come they just now posted good earnings and even raised dividends? Are they lying?

spot on!! terrific ...
By: javawhz. on 16 Jul 08, 03:54:17
spot on!! terrific information, thanks!

The Mortgage Meltdown
Posted by: CBS

Video duration: 750 seconds
Global video hits: 41274

Scott Pelley reports on the mortgage crisis that's far from over, with a second wave of expected defaults on the way that could deepen the bottom of the US recession.

Related: 60, minutes, scott, peley, recession, us, economy

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$Mortgage Servicers\$

Mortgage Servicers' Secret
Posted by: consumerwarningnet

Video duration: 297 seconds
Global video hits: 24740

The secret mortgage servicers don't want you to know is they can make MORE money off of homeowners when they keep your loan in default. A former employee of loan servicer EMC tells the inside story why so many people can't get their loan out of default.

Related: mortgage, servicer, default, homeowners, secret, loan, emc, countrywide, consumer, warning, foreclosure, auction

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Latest comments made on this video:

Hi ...
By: MarkMillionaireGuru. on 22 Dec 09, 00:21:30
Hi consumerwarningnet I have just been watching your video and I must admit it really is very good. I really enjoyed watching it. Already looking forward to more of the same in the future. Cheers to your success. Mark McCulloch

These guys are ...
By: tapeatsbill. on 04 Dec 09, 22:56:35
These guys are right. I was a lender, asset (REO) manager for big banks for 20years. When Wall Street teamed with the banks and securitized these loans they screwed the public but they also left themselves open to real valid foreclosure defense. Good news to the people for a change.

God love you.
By: Patternpop. on 22 Oct 09, 21:14:07
God love you.

Henderson is a hero.
By: Anothercoilgun. on 12 Sep 09, 17:03:14
Henderson is a hero.

If the American ...
By: jsnip4. on 18 Aug 09, 12:58:03
If the American people ever allow private banks to control the issue of their currency, first by inflation and then by deflation, the banks and the corporations that will grow up around them will deprive the people of all property until their children will wake up homeless on the continent their fathers conquered . -Thomas Jefferson

OCWEN Scumbags
By: nucsol. on 12 Jul 09, 18:01:25
OCWEN Scumbags

THANK YOU FOR ...
By: knotart. on 03 Jun 09, 17:28:22
THANK YOU FOR EXPOSING THE TRUTH ABOUT FORECLOSURES ! so sorry that it will not help those of us being put put on the street !

YES IT IS !! STILL ...
By: knotart. on 03 Jun 09, 17:27:10
YES IT IS !! STILL THE SAME OLD BS I have been COUNTRYFRIED and like refried beans Fried again by BANK OF AMERICA IT IS ALL A HUGE SCAM from TARP to HUD/HOPE all the so called Loan Servicers are actually collection agents or Legal Firms to protect the Banks. Just online today you can buy a poisionus FEMA Trailer for $5.00 and try to park it somewhere ? when you lose your home.

truly an eye opener
By: NoticeOfDefault. on 09 May 09, 20:55:04
truly an eye opener

I can only speak ...
By: wildpeachatl737. on 26 Apr 09, 16:42:46
I can only speak about GA law, but you are correct in that there should be note allonges for every transfer as well as a transfer or assignment of mortgage/deed recorded in the local court records that should show an unbroken chain of ownership. Many companies have gotten around this by using a system called MERS (Mortgage Electronic Registration System) that handles these transfers from one comany to the next. Unfortunately, most homeowners don't stand a legal chance.

so what did you do.
By: JesseBacaLasVegas. on 24 Apr 09, 18:02:06
so what did you do.

Ok i understand ...
By: illegalfuture. on 23 Apr 09, 17:17:51
Ok i understand what she has been saying but my question is "is this still the case with the houseing martket down....?'

Wow such great info ...
By: barbiemouse. on 03 Apr 09, 06:48:08
Wow such great info. I have been fighting with Litton for 2 years now with wrongful foreclosures and all. Got my title back but of course they are doing again. This is very important to get out there and I applaud you for ALL your site has to offer.

I really liked your ...
By: PAGENzx. on 10 Mar 09, 15:29:34
I really liked your channel and this video. If you need any help getting this video exposed I use a site called tubeviews.(net) It has really helped like 20 of my main videos get to the top in position. Its nice. that is very awesome i love this

This story is true. ...
By: 2ModMyLoan. on 02 Mar 09, 08:07:01
This story is true. The best way to fight these banks is with attorney assisted loan mods. I did and i recommend everyone do it that way. It takes an attorney to fight an attorney!

thanks for the ...
By: MiahLFC. on 25 Feb 09, 10:01:13
thanks for the upload, keep up the good work

These are the same ...
By: zest4livin. on 09 Feb 09, 21:18:43
These are the same banks that the gov't is giving bailouts to. Freakin amazing!!!

I was done in by ...
By: charliegirl42. on 02 Feb 09, 01:29:43
I was done in by deception, conspiracy and collusion... all parties involved knew what they were doing and could not let precedent be established by MY WINNING A CASE AGAINST THEM..... So with one swat of her gavel, I lost my home of 9 years and had to move out...and YES, I get angry when I think about it....

.....the pieces of ...
By: charliegirl42. on 02 Feb 09, 01:22:04
.....the pieces of paper that had been stapled to the original note documenting the "CHAIN OF POSSESSION" and proved beyond a shadow of a doubt!!! that the foreclosing party was NOT the party in interest, but only a "servicer" and had NO RIGHT to foreclose!!! Simple possession of the note does NOT define OWNERSHIP!!!!!!!!! (there were multiple staple holes in the upper left hand part of the original note..!!!!)

This whole case had ...
By: charliegirl42. on 02 Feb 09, 01:21:58
This whole case had gone on long enough they had time to PRODUCE THE ORIGINAL NOTE....BUT!!! (and here's the part the people on this website are not telling you!!!) THE ALLONGES were missing!!!

to be a bench trial ...
By: charliegirl42. on 02 Feb 09, 01:21:08
to be a bench trial...and the judge never looked at me, never even looked up from her desk where she was doing paperwork the whole time I was being grilled....and there were 3 on the 'plaintiff' side and only me on the defendant side....And Ashley in the gallery...and my STUPID ASS attorney I had mistakenly hired....never objected the whole time they were fumbling...

But they are only ...
By: charliegirl42. on 02 Feb 09, 01:20:31
But they are only telling you A PART of the whole story.... DO NOT DO THIS unless you KNOW what you are doing....I did this in 2003. AFTER TWO years of litigation, we were scheduled for a "hearing" which turned out (by stealth)

yes, I agree w/ ...
By: jhunelle2006. on 31 Jan 09, 05:21:00
yes, I agree w/ this video. the banks/lenders are the ones that caused the foreclosure crisis. they became greedy and wanted people to lose their homes so they can call the insurance thru the so-called "CREDIT DEFAULT SWAP" tsk, tsk, tsk countrywide, wachovia, bank of america, wells fargo, deutsche bank, indymac, and so on are all guilty... MAKE THEM PRODUCE THE NOTE BEFORE THEY FORECLOSE ON YOUR HOME

Ephedra and ...
By: ephedrinedietpills. on 20 Jan 09, 15:41:28
Ephedra and Ephedrine diet pills are scientifically proven to melt fat and raise metabolism without diet or exercise. Xenadrine RFA-1, Metabolife 356, Hydroxycut, Metabolift, and more. HEAT SCA Stack will give you the strong stimulant effect of pharmaceutical grade diets. Contains also Cayenne Pepper, the secret ingredient Beyonce used for her role in "Dreamgirls." It is all natural and will not give you the side effects of the pharmaceutical ones. Click on my name above.

thehelpfund.blogspot
By: mannyfeseha. on 06 Jan 09, 05:34:39
thehelpfund.blogspot

Second Wave Of Mortgage Defaults Part 1
Posted by: GreenhornRET

Video duration: 389 seconds
Global video hits: 46217

Second Wave Of Mortgage Defaults

Related: second, wave, of, mortgage, defaults, 60, minutes, bailout, real, estate, crash, america

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Latest comments made on this video:

Leave it to 60 ...
By: kenadler. on 20 Jan 10, 02:54:48
Leave it to 60 Minutes to fail to report one of the most important aspects of Option ARM loans: They are "negatively amortized" and GROW in size. Not only will their payments skyrocket after the resets, the borrowers will owe up to 25% more than when they started, and most likely put them very deeply underwater on their equity position. How could they fail to explain this? In other words, it's much WORSE than what this video is suggesting.....

myclicks Your post ...
By: chrisholley1975. on 17 Jan 10, 03:10:46
myclicks Your post is? dated 1/16/2010 8:09pm, an hour ago. Not new. therefore inxalid. Now do you see how completely stupid your original post was?

chrisholley1975: ...
By: myclicks. on 17 Jan 10, 01:22:22
chrisholley1975: You got a black eye and a broken nose in a fight you started, yet you still claimed victory. Considering your ability, you should take it as a complimentwhen people call you ignorant.

You are right. I ...
By: chrisholley1975. on 16 Jan 10, 23:50:50
You are right. I stand corrected. That is the silliest argument I have ever seen on youtube where a person "tried" to apply reason. The end result is the same, you failed in that quest and truly showed your ignorance.

So in other words ...
By: Jammieg001. on 16 Jan 10, 22:23:36
So in other words there's too many scum sucking bastards in the world.

chrisholley1975, If ...
By: myclicks. on 16 Jan 10, 22:07:30
chrisholley1975, If YOU think "That is the silliest comment that has ever been posted to youtube...", then who is more ignorant?

If you would like a ...
By: WEREFEAT. on 16 Jan 10, 17:48:46
If you would like a special task to broaden your understanding of things, pretend that you are going to buy a house. You will see that the banks are holding on to the houses. Prices aren't dropping as fast as they should. The banks always win in the real estate industry.

That is the ...
By: chrisholley1975. on 16 Jan 10, 17:10:03
That is the silliest comment that has ever been posted to youtube. The majority of Americans don't even know about this, so IT IS NEW TO THEM! Some people are such sheep. This is just a warning of things to come. I remember Peter Schiff telling people about the housing collapse in 2006. I guess people like you would sit there and say "old news". That is just an ignorant statement!

The USA is ...
By: pineconeman79. on 16 Jan 10, 13:33:58
The USA is unreformable and subject to collapse just like the USSR. That will be sad for alot of people when it happens.

This is dated 12/29 ...
By: myclicks. on 13 Jan 10, 16:54:16
This is dated 12/29/2008. Not new.

2.4 million ...
By: CaptJJYossarian. on 11 Jan 10, 22:36:20
2.4 million forclosures expected this year on top of the 2 million that occured last year. On top of that, add in thousands of companies that have basically been turned into debt bombs by private equity groups(leverage buyout kings). A large percent of those companies are so riddled with unpayble levels of debt that they are gonna go poof in the next 2 years. And those job losses are just going to make housing even more of a nightmare. A million times worse than a terror attack!

I hope that people ...
By: 123lard123. on 10 Jan 10, 23:34:02
I hope that people figure out what really happened and who is responsible for this depression. These bankers have endangered the United States more than any terrorist cell with a atomic bomb could have. They are traitors to their country and we know what the penalty for treason is.

How long is this ...
By: ancientmariner1984. on 07 Jan 10, 02:19:10
How long is this going to be on here until they pull it due to some lame excuse? I hope enough people seen this to slow the process enough so that we don't get hit so very hard.

Hell yes .. I ...
By: michaelmage. on 06 Jan 10, 21:55:52
Hell yes .. I wondered why the bubble was shrinking so slowly. Now we know. Hang on folks, this is gonna make sub-primes look like a good deal

Theres plenty of ...
By: enddebtslavery. on 06 Jan 10, 13:04:35
Theres plenty of vultures out there.

Mortgage Foreclosure - The Family Farm
Posted by: PolPpl

Video duration: 209 seconds
Global video hits: 8079

A look at the Crosby Mint Farm in St. Johns, MI, and how the foreclosure crisis is hurting them. Senate Bill 1306 would establish a moratorium on foreclosures and save this farm. The sponsor of this legislation is Senator Hansen Clarke.

Related: senate, bill, 1306, hansen, clarke, crosby, mint, farm

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Latest comments made on this video:

Since this video ...
By: EdsLilKittyCat. on 16 Aug 09, 16:53:24
Since this video was made, has the bank foreclosed on this farm? Is it too late or is there still something that can be done to help these family farmers? They should have appealed to FarmAid for help after all they are family farmers and those are the people that Farm Aid helps in their moments of great need.

yes, greenstone is ...
By: erippke. on 14 Aug 09, 00:59:31
yes, greenstone is a sponsor.

Shame on greenstone ...
By: erippke. on 06 Aug 09, 19:42:19
Shame on greenstone for thinking that this is not a viable product. They have a bank in St. Johns which holds an annual mint festival. Are they a sponser? If so I think we should boo then right out of the parade!

Well of course the ...
By: Rainmanpdt49. on 08 Feb 09, 06:48:30
Well of course the bank doesnt care. All they want is their god damn money, and they dont care who they have to step on to get it. They dont care about your situation, all they do is find ways of covering their own asses.

Fiat is money ...
By: supreme600. on 12 Jan 09, 19:43:49
Fiat is money issued by government order that is not backed by precious metals. Because it has no intrinsic value it is vulnerable to inflation and manipulation by the banks. Big business favors fiat because credit is easy to obtain, but the consumer and average person is given a rotten deal with money that is continually losing its value.

what is fiat?
By: bctoadlover. on 12 Jan 09, 17:04:18
what is fiat?

The majority of ...
By: ciro9. on 11 Jan 09, 18:28:28
The majority of these loan's (due to death, relocating of familie's etc) would be paid off way before 40 or 50 years. Leaving it up to the bank's to do this is akin to putting the fox in the hen house to protect them. "The Change We Need" must come from the Federal government.

Unfortunately, ...
By: ciro9. on 11 Jan 09, 18:24:36
Unfortunately, President elect Obama has not addressed the foreclosure problem. I know of a friend who was layed off from a county job & his home is at this very moment been put up for foreclosure. The bank couldn't give a damn about him, his wife or infant daughter & yet our moronic government has bailed them out & no one in government seems to have a clue where these hundreds of billions of dollars to them has gone.

This sub prime ...
By: ciro9. on 11 Jan 09, 18:22:16
This sub prime mortgage mess would have never happened if We the People who do not have high paying jobs would have been granted the right to borrow a low interest home mortgage loan based on income directly from the Federal Reserve Bank which should be nationalized for the moderate income working class people of our nation who for too long have been enslaved by banks and lending institutions by high interest rates on money that they receive at a low interest rate from the Fed.

thehelpfund.blogspot
By: mannyfeseha. on 06 Jan 09, 04:44:04
thehelpfund.blogspot

Very informative ...
By: DrewDownsManagement. on 03 Jan 09, 17:40:12
Very informative video. I took some notes on the video and how it was done. I gave it 5 stars. Check out our vids and tell me what you think? We have some good stuff also.

the money is fiat ...
By: supreme600. on 27 Dec 08, 21:28:42
the money is fiat the banks can print as much money as they want.

If I had a million ...
By: bctoadlover. on 23 Dec 08, 17:14:19
If I had a million dollars, if I had a millions dollars, I would buy into your farm, I would buy into your mint farm. (Barenaked ladies song) I would market your product far and wide to all the aromatherapists, all the spas, worldwide.And all would know the Crosby name and know it means healing. I hope you can heal the wounds created by your thoughts.

Once the inventory ...
By: bctoadlover. on 23 Dec 08, 17:05:42
Once the inventory is all sold, how do you then make payments? How do you stop another missed payment, another foreclosure action. How many missed payments can the bank handle before it goes belly up itself? You are but one client. What else is going on in their finances? Who will help the bank when people don't pay them? How will they feed their families? What is the difference between a hand up and a hand out. What happened to the handout the government gave you for your new equipment?

I don't want to ...
By: jbo5112. on 19 Dec 08, 20:41:59
I don't want to sound like an antagonist or unsympathetic, but why was there a mortgage on a farm that has been in the family for 90+ years? If you don't have any debts, none of your property will get taken as collateral.

When I was younger, ...
By: iseevideos123. on 15 Dec 08, 07:22:08
When I was younger, I had to go to saturday school for a month. I stumble across a small batch of mint farm in school when I was cleaning it. When no one is looking, I would crush the leaves into my palms and inhale the aroma then chew/swallow them. Helped me get through the day and kept me from causing trouble when I was there :D

I ordered two drams ...
By: sknutson510. on 13 Dec 08, 23:34:05
I ordered two drams, and received them today. Good luck to you!

Have you tried ...
By: YbjamesY. on 19 Nov 08, 14:18:00
Have you tried getting a loan from a different bank to pay off Green storm?

where do you ...
By: Denottawa2. on 04 Nov 08, 04:28:06
where do you research this information? I'll bet they don't publish that. you must be someones friend.

Do your research. ...
By: simplyDiann. on 01 Nov 08, 22:40:32
Do your research. They were LATE on one payment in 2006---that doesn't equate to not paying their bills. The US government can bail out the banks, but they can't bail out the farmers and the homeowners? This is just wrong.

Maybe you should ...
By: Denottawa2. on 01 Nov 08, 04:21:18
Maybe you should have paid your bills

Just think, for the ...
By: ellwoodcat. on 31 Oct 08, 14:05:42
Just think, for the price of one political commercial the farm can be saved!!! This farm is what America is all about. Save the farm!!!

Thank you for your ...
By: lcrosby11. on 27 Oct 08, 23:52:57
Thank you for your support! We appreciate it...good energy back your way!

This is horrible! ...
By: totallycrunchy. on 27 Oct 08, 16:33:23
This is horrible! I'm heading to your site right now to buy some mint. It's a little but maybe it can help a bit. We need farms like yours. I am sending you lots of good energy!!! Keep up the fight!

Mortgage Bankers Celebrate Victory
Posted by: AmericanNewsProject

Video duration: 280 seconds
Global video hits: 21367

You would think this year's Mortgage Bankers Association annual meeting would be a rather solemn affair -- given the criticism the industry has endured in recent months. But our ANP reporter attending the meeting found the bankers in a celebratory mood. The reason? A massive lobbying campaign against bankruptcy reform legislation known as "cram-down" appeared to be working.

Related: bankruptcy bill, bankruptcy reform, dick durbin, durbin, banks, bankruptcy, banking, foreclosure, mortgages, cramdown, renegotiate, john taylor

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Latest comments made on this video:

"KEEP GIVING TO THE ...
By: pjamesbda. on 28 Feb 10, 00:23:39
"KEEP GIVING TO THE PACK"....don't know if you heard this. He is talking about holding the line. This is a WAR, and if they keep coming back, eventually the public will SEE they are at war on the people. Its time to WAKE UP people.

This ass hole owes ...
By: BadBobMo. on 22 Nov 09, 00:56:14
This ass hole owes me lots of money. He is a Gov. bought and paid for puppet!

Now we have sub ...
By: Gizmosra. on 17 Oct 09, 11:27:01
Now we have sub prime mortgage brokers who own appraisal managment companies AMC's. The amc profits are driven speed and lowest appraisal fees. The lower the fee the higher the amc profit.

Yay it's a bailout ...
By: DonJack1776. on 25 Jul 09, 06:50:43
Yay it's a bailout party!

Human leeches. ...
By: gokinsmen. on 20 Jul 09, 07:21:47
Human leeches. Wake up, America. The most dangerous enemies aren't Al-Qaeda terrorists 1000s of miles away. They're these guys and their bought-and-paid-for politicians.

This vid is ...
By: jwilldoutube. on 25 May 09, 14:06:57
This vid is reflecting these mortgage bankers in their natural smug state of getting over on people and using political influence to navigate through congress. No matter how many people are losing their homes and choking on debt. YES I judge that is WRONG. Jesus went crazy mad at the money changers (bankers) in front of the temple - why? Because they were using the guise of the temple as their cover to help others while they were ripping people off. Maybe he was just pissed off...

Thanks for telling ...
By: Axelrudolph. on 25 May 09, 12:46:31
Thanks for telling us all what a decent person you are (I am sure you are) we all want to be good people. "For in the same way you judge others, you will be judged, and with the measure you use, it will be measured to you..." I think Jesus said that, Every industry has bad actors, and in time we all pay the price for our deeds, both good and bad, I sleep great every night.

BTW, everyone ( ...
By: jwilldoutube. on 25 May 09, 01:15:04
BTW, everyone (liberals and conservatives) loved subprime lending because it flooded the markets with massive money, and created the housing boom...then it all went boom-boom. Wall street lit the match, Hedgefunds fanned the flames and Lenders poured gas on it.

I see your point. ...
By: jwilldoutube. on 25 May 09, 01:09:08
I see your point. Although, no sympathy here...I am a recovering banker. I am judging because perspective and experience with their kind. Gave myself permission to be a decent human - instead of a paycheck, and turned my back on that Hell of an industry for good in '04. I worked with all of the demonic jerks, too - Greed, Justification, Arrogance, etc. Looks like all of the usuals suspects are still making their appearances.

She gets cursed for ...
By: Axelrudolph. on 24 May 09, 18:27:59
She gets cursed for turning the loan down and goes to hell. If she approved the loan, she gets cursed by all of the liberals for facilitating subprime lending, wonder which is worse? You know, just saying....damned if you do and damned if you don't...

Hey Smug Bankers, ...
By: jwilldoutube. on 21 May 09, 12:17:09
Hey Smug Bankers, FYI - the new horror movie 'Drag Me To Hell' is about a bank loan officer that refuses an extension to a woman's mortgage. She does this to show her own boss that she is ready to make the tough calls and is worthy of a promotion that she is competing for. The banker gets cursed by the homeowner and is tortured by a demon for 3 days before her soul is to be sent to hell for eternity. (I'm just sayin... ya, know...)

To all of you ...
By: Axelrudolph. on 11 May 09, 12:57:08
To all of you haters out there: "You, then, why do you judge your brother? Or why do you look down on your brother? For we will all stand before God's judgment seat. "

damn right this ...
By: quitearow. on 11 May 09, 11:18:24
damn right this fight is coming back you fucking whore.

Hahahaha, you guys ...
By: VoxApox. on 06 May 09, 07:07:36
Hahahaha, you guys are just so funny and such a great asset to our country. Somebody should have fire-bombed that place. Bankers are the most vile scum going. As for Senator Durbin, this is a smoke-screen. Durbin is a bloated museum of treachery. Durbin has taken an OBSCENE amount of money from AIPAC and other Israeli interests, making Durbin a complete tool of Israel and a traitor to America.

Ahhh, nothing like ...
By: Yoetah. on 04 May 09, 15:50:55
Ahhh, nothing like a good dinner and pep talk before an important day of kissing ass up on the hill! ;>

axelrudolph...the ...
By: principles101. on 04 May 09, 08:50:23
axelrudolph...the 96 percent of people that ARE making their payments will be going down within the next 3 years when their ALT-A loans start adjusting in 2011, 2012. That will be the next round of foreclosures.

yes he does, ...
By: BenjaminLaird. on 04 May 09, 01:19:08
yes he does, everyone was boasting that when he was elected he was debt free, his campaign was completely paid for by other people, & when they give to him, they're gonna want a lot back. brand obama: bought & paid for by anything other than the american public

Obama OWES so many ...
By: Tintube123. on 03 May 09, 22:49:35
Obama OWES so many people his victory, AnnenJosh. He owes the Zionist Lobby, he owes folks in the CFR/Bilderburg/Trilateral Commission, with all it's contacts (including the Rockfellers and other powerful families). Lastly, take a look at the biggest contributors to his campaign: Wall Street. He owes THEM. You're gonna find that Obama will be Mr Status Quo, and be perceived as week, cos he owes so many powerful people. Shame, but true.

These "folks" are a ...
By: gondor124. on 03 May 09, 21:27:25
These "folks" are a cancer on our country and need to be removed before they metastasize and kill the folks providing a home for them....that would be us. We have seen the enemy and it is these creeps. We bailed them out and they are stabbing us in the back with money extorted from the taxpayer. That would be us.

The real problem is ...
By: AnnenJosh. on 03 May 09, 17:08:38
The real problem is that Obama promised to get this bill passed. There is footage of it here on You Tube. Durbin said the White house was silent when he needed help to get the bill passed. They knew the bill was being defeated from bank lobbyists and yet nothing was done...Why?

AmericanNewsProject ...
By: kesmarn. on 03 May 09, 12:55:05
AmericanNewsProject, thanks for getting this out there--even though it's pretty nauseating to watch. These "trade associations" as they call themselves are the same people who villainize unions and union members among the working class.

The bankers won ...
By: kesmarn. on 03 May 09, 12:53:05
The bankers won this round. It was defeated.

A point is ...
By: jwilldoutube. on 03 May 09, 11:24:32
A point is FIDUCIARY DUTY - FIDUCIARY RESPONSIBLITY. You cannot just summarily offer mortgage documents to a group of people and say, "Hey, sign these...ya know, ya gotta pay us later...sign here, and here...blah, blah, blah..." There is a real obligation in financial matters that regard the knowledge of a bank and their representatives that are held to a higher standard of knowing what is a proper or an appropriate risk. Not just left up to the individual signing.

Fucking bankers
By: Communist2012. on 03 May 09, 11:18:10
Fucking bankers

Money is NOT the ...
By: jwilldoutube. on 03 May 09, 11:06:06
Money is NOT the issue... having money, making money, etc. MONEY IS NOT EVIL. It is not unethical to be successful. THE PROBLEM is that people (these bankers) JUSTIFY their immoral actions or lack of ethical action in their fears of holding onto money, and/or continuing to make money in a corrupt and morally illegal manner. At least Marie A. offered to "let them eat cake"...These Wiseguys just want us to eat dirt!

Mortgage Refinancing Secret Exposed www.refiadvisor.com
Posted by: refiadvisor

Video duration: 488 seconds
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www.refiadvisor.com Did you know that your lender has a dirty secret that costs you thousands of dollars unnecessarily? Get free mortgage videos that save the average homeowner $1200 per year. Visit refiadvisor.com for more.

Related: mortgage refinancing, refinancing home, home refinance, mortgage broker

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Walk away from your mortgage!
Posted by: fal2grace

Video duration: 400 seconds
Global video hits: 2302

With banks refusing to help homeowners with their underwater mortgages, a New York Times story advocates simply walking away. On Countdown. Copyright MSNBC 2010 www.youtube.com Keith Olbermann housing market real estate mortgage default Countdown strategic default banks bankers

Related: walk, away, from, mortgage, mortgages, countdown, keith, olbermann, new, york, times, strategic, default, housing, market, real, estate, banks

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Latest comments made on this video:

Is your mortgage ...
By: Ripple4135. on 09 Mar 10, 19:57:28
Is your mortgage underwater or can you not afford your house? There is a difference. The first situation sucks but it isn't as big of a deal as people make it. The house is still the same house, it's just currently worth less than it used to be. Fortunately, houses are long term purchases. Making the "business decision" to walk away from your mortgage was stupid. You'll never own a home now. As for the latter, that is a situation I will never be in. I spend much less than I make.

@Ripple4135 You ...
By: Sinead522. on 09 Mar 10, 19:50:47
@Ripple4135 You are a stupid jackass. I hope you get into this situation someday asswipe.

You shouldn't have ...
By: Ripple4135. on 08 Mar 10, 21:23:44
You shouldn't have bought a house you couldn't afford DIPSHIT.

@Sinead522 well ...
By: fal2grace. on 18 Feb 10, 22:24:47
@Sinead522 well good luck to you.

@fal2grace Thank ...
By: Sinead522. on 18 Feb 10, 22:20:56
@fal2grace Thank you. Everything in this video is excellent and I agree with every bit of it. I have been trying to work with my servicer for over a year, i.e., loan mod attempts, etc., and have been shot down every single time. Conclusion, they have NO intention of helping me, so as far as I'm concerned they can have my house and stick it. I started my strategic default back in September!

@Sinead522 well said
By: fal2grace. on 18 Feb 10, 22:13:35
@Sinead522 well said

That's right, it is ...
By: Sinead522. on 18 Feb 10, 22:10:38
That's right, it is just a business decision for us homeowners. These self-righteous banks can kiss my azz.

walk away from the ...
By: jclemens1970. on 24 Jan 10, 10:50:47
walk away from the mortgage, perfect, just what the welfare state and the illegals and civil rights and blah blah blah, I must be a racist right? THIS IS ALL PLANNED OUT , You idiots are gonna get what you deserve if U don't, Buy guns and join the T-Party types. Screw Ron Paul screw them all, Here is what I can tell you,,,, you had better learn how to grow/hunt and preserve your food, learn to trade your skills,, and most important,, learn how to turn off your TV,, fo-eva,, foo

Why doesn't the ...
By: andromedastar1. on 23 Jan 10, 15:25:37
Why doesn't the press talk about all the investors and people who flipped houses at this time. They are walking away from 100's of mortgages and killing property values and neighborhoods.

well year end too ...
By: justanothersheeple. on 13 Jan 10, 15:06:44
well year end too soon

don't think 4Q ...
By: fal2grace. on 13 Jan 10, 14:40:55
don't think 4Q numbers are in yet; we'll have to watdh.

defaulting ...
By: justanothersheeple. on 13 Jan 10, 14:25:23
defaulting mortgages and bank write off's, losses

not sure what you ...
By: fal2grace. on 13 Jan 10, 14:18:19
not sure what you mean dell

@fal2grace where's ...
By: justanothersheeple. on 13 Jan 10, 14:09:03
@fal2grace where's the end of the quarter totals dear?

good point. thanks
By: fal2grace. on 12 Jan 10, 22:50:24
good point. thanks

I was wondering ...
By: 1RoaringMonk. on 12 Jan 10, 22:31:48
I was wondering when was the first real estate transaction in the americas ? After they stole the land who had the balls to sell it for pure profit after theft ? what goes around comes around

Yes, it does need ...
By: fal2grace. on 12 Jan 10, 11:43:17
Yes, it does need to be restructured. Thanks for commenting.

Not only are ...
By: AngelofHopeanDespair. on 12 Jan 10, 02:17:14
Not only are millions walking away millions are not paying their credit cards. The system needs to be restructured. so that all working people can afford a decent home and decent car. Just like it use to be in the 1950s and 1960s

Thank you very much ...
By: Airave. on 11 Jan 10, 21:23:06
Thank you very much for the advice and well wishes! :) I'm sorta hip to that... but sure no expert. I live in Europe and have never had any illusions that I really "Own" anything. Any power can do what you said at most anytime they please. But is a very dangerous hand to play. And if it happens; Good Luck! Peace.

That's wonderful! ...
By: FoodOrFail. on 11 Jan 10, 19:17:53
That's wonderful! Now why not keep going and claim outright ownership? If you check, you will still find out that you are merely a tenant and the state can swoop in any old time and take it. Matters not if you've paid in full. But there are ways to claim full ownership... Please check out Rob Menard and Tim Turner.

Rob Menard and Tim ...
By: FoodOrFail. on 11 Jan 10, 19:15:36
Rob Menard and Tim Turner might have an even better solution than 'walking away'. Please check them out and consider what they have to say.

even MSNBC takes a ...
By: herbs814. on 11 Jan 10, 18:47:40
even MSNBC takes a shot at the New York TImes?! LOL

yes it is.
By: fal2grace. on 10 Jan 10, 14:08:32
yes it is.

yep, thanks.
By: fal2grace. on 10 Jan 10, 14:08:09
yep, thanks.

you're very welcome ...
By: fal2grace. on 10 Jan 10, 14:07:43
you're very welcome. thanks for watching.

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