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This industry is a mess and will take some time to fix, in the meanwhile there are a lot of homes & families in the middle. There are those dirty little f***ers that did a lot of house flipping, refi 100% that don’t deserve sh*t, but there are a few who truly are going through a hardship and need some help from the banks.
Some of these borrowers were screwed by the greedy LO, appriasal, lender, AE etc.. those BS programs NiNa, NoDoc, SiSa, Neg Am 1% loans, etc were just fuel for the already greedy fire. YSP kept making them go the extra mile to get the borrower approved on loans the LO knew in 3 years they could not afford.

MOE I am so grateful for this blog –

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