The process was corrupted from the individual borrowers all the way up to the CEOs of the investment banks. Everyone was lying and they all knew it.
A few weeks ago on NPR they interviewed a woman would worked for a mortgage underwriter. These are the people who are supposed to make sure that loans are up to snuff so they can be treated pretty much as a commodity. The underwriters had agreements with the banks that they would not reject more than a certain percent of loans. The lady said that on several occasions she rejected loans for various reasons (including outright fraud), only to have her manager override her decision.
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Today's Featured Article - Sunday Drives - by Cowboy. Summer was finally upon us here in Northern Maine. We have two types of industry up here, one being "Forestry" (Wood Products) and the other "Farming" (Potatoes). There is no shortage of farm tractors and equipment around here! I have been restoring old Farm Tractors for the past 6 years, and have found it easier and less expensive to hit all the auctions and purchase whole tractors for parts needed. My wife who works at a local school, and only has weekends and summers off, while on t
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