[North County Jim]

zzz, I think you’re missing my point. I’ve attempted to make the case that an underwater borrower who attempts a loan modification is not a moral cretin.

I’m not asking anyone to “save” anyone else. I’ve simply tried to make the case that I see nothing wrong with taking matters into one’s own hand to improve one’s financial situation.

Breeze and others seem to think that anyone who made an unwise decision during the bubble years should just live with it.

I’ll ask the question again. If you were under water, had the ability to make payments and knew there were loan modification programs available, would you take advantage?

[North County Jim]

zzz, I think you’re missing my point. I’ve attempted to make the case that an underwater borrower who attempts a loan modification is not a moral cretin.

I’m not asking anyone to “save” anyone else. I’ve simply tried to make the case that I see nothing wrong with taking matters into one’s own hand to improve one’s financial situation.

Breeze and others seem to think that anyone who made an unwise decision during the bubble years should just live with it.

I’ll ask the question again. If you were under water, had the ability to make payments and knew there were loan modification programs available, would you take advantage?

[North County Jim]

zzz, I think you’re missing my point. I’ve attempted to make the case that an underwater borrower who attempts a loan modification is not a moral cretin.

I’m not asking anyone to “save” anyone else. I’ve simply tried to make the case that I see nothing wrong with taking matters into one’s own hand to improve one’s financial situation.

Breeze and others seem to think that anyone who made an unwise decision during the bubble years should just live with it.

I’ll ask the question again. If you were under water, had the ability to make payments and knew there were loan modification programs available, would you take advantage?

[North County Jim]

zzz, I think you’re missing my point. I’ve attempted to make the case that an underwater borrower who attempts a loan modification is not a moral cretin.

I’m not asking anyone to “save” anyone else. I’ve simply tried to make the case that I see nothing wrong with taking matters into one’s own hand to improve one’s financial situation.

Breeze and others seem to think that anyone who made an unwise decision during the bubble years should just live with it.

I’ll ask the question again. If you were under water, had the ability to make payments and knew there were loan modification programs available, would you take advantage?

[North County Jim]

zzz, I think you’re missing my point. I’ve attempted to make the case that an underwater borrower who attempts a loan modification is not a moral cretin.

I’m not asking anyone to “save” anyone else. I’ve simply tried to make the case that I see nothing wrong with taking matters into one’s own hand to improve one’s financial situation.

Breeze and others seem to think that anyone who made an unwise decision during the bubble years should just live with it.

I’ll ask the question again. If you were under water, had the ability to make payments and knew there were loan modification programs available, would you take advantage?

[North County Jim]

OK Breeze, I’m blind. All underwater borrowers should go down with the ship.

Would that make you happy?

[North County Jim]

OK Breeze, I’m blind. All underwater borrowers should go down with the ship.

Would that make you happy?

[North County Jim]

OK Breeze, I’m blind. All underwater borrowers should go down with the ship.

Would that make you happy?

[North County Jim]

OK Breeze, I’m blind. All underwater borrowers should go down with the ship.

Would that make you happy?

[North County Jim]

OK Breeze, I’m blind. All underwater borrowers should go down with the ship.

Would that make you happy?

[North County Jim]

[quote]His main goal was to make as much short-term profit for himself as possible by shafting depositors/taxpayers. On the other side of the deal you have some clueless moron house buyer who is just looking for as low of an initial payment as he can get along with a low-to-minimal down payment.[/quote]

You’re describing water that went under the bridge years ago.

Yes, I wouldn’t quibble with calling loans during the insanity of years past “two jokers playing with other people’s money”.

All that being said, if you were one of those “jokers” today, what would you do? I don’t know about you but I would try to think ahead rather than cast blame at what happened in the past.

If I felt the climate was right to modify my loan, I would be all over it in a nanosecond. I would gladly take the credit score hit for a chance to significantly improve my balance sheet.

That is a business decision.

[North County Jim]

[quote]His main goal was to make as much short-term profit for himself as possible by shafting depositors/taxpayers. On the other side of the deal you have some clueless moron house buyer who is just looking for as low of an initial payment as he can get along with a low-to-minimal down payment.[/quote]

You’re describing water that went under the bridge years ago.

Yes, I wouldn’t quibble with calling loans during the insanity of years past “two jokers playing with other people’s money”.

All that being said, if you were one of those “jokers” today, what would you do? I don’t know about you but I would try to think ahead rather than cast blame at what happened in the past.

If I felt the climate was right to modify my loan, I would be all over it in a nanosecond. I would gladly take the credit score hit for a chance to significantly improve my balance sheet.

That is a business decision.

[North County Jim]

[quote]His main goal was to make as much short-term profit for himself as possible by shafting depositors/taxpayers. On the other side of the deal you have some clueless moron house buyer who is just looking for as low of an initial payment as he can get along with a low-to-minimal down payment.[/quote]

You’re describing water that went under the bridge years ago.

Yes, I wouldn’t quibble with calling loans during the insanity of years past “two jokers playing with other people’s money”.

All that being said, if you were one of those “jokers” today, what would you do? I don’t know about you but I would try to think ahead rather than cast blame at what happened in the past.

If I felt the climate was right to modify my loan, I would be all over it in a nanosecond. I would gladly take the credit score hit for a chance to significantly improve my balance sheet.

That is a business decision.

[North County Jim]

[quote]His main goal was to make as much short-term profit for himself as possible by shafting depositors/taxpayers. On the other side of the deal you have some clueless moron house buyer who is just looking for as low of an initial payment as he can get along with a low-to-minimal down payment.[/quote]

You’re describing water that went under the bridge years ago.

Yes, I wouldn’t quibble with calling loans during the insanity of years past “two jokers playing with other people’s money”.

All that being said, if you were one of those “jokers” today, what would you do? I don’t know about you but I would try to think ahead rather than cast blame at what happened in the past.

If I felt the climate was right to modify my loan, I would be all over it in a nanosecond. I would gladly take the credit score hit for a chance to significantly improve my balance sheet.

That is a business decision.

[North County Jim]

[quote]His main goal was to make as much short-term profit for himself as possible by shafting depositors/taxpayers. On the other side of the deal you have some clueless moron house buyer who is just looking for as low of an initial payment as he can get along with a low-to-minimal down payment.[/quote]

You’re describing water that went under the bridge years ago.

Yes, I wouldn’t quibble with calling loans during the insanity of years past “two jokers playing with other people’s money”.

All that being said, if you were one of those “jokers” today, what would you do? I don’t know about you but I would try to think ahead rather than cast blame at what happened in the past.

If I felt the climate was right to modify my loan, I would be all over it in a nanosecond. I would gladly take the credit score hit for a chance to significantly improve my balance sheet.

That is a business decision.

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