Thursday, November 18, 2010

So Who Really Owns Your Mortgage

We are all aware of the mortgage fiasco involving robo-signers, predatory lending, and so on and so forth.  Let us also not forget about personal irresponsibility -- just because the lender said you could afford the mortgage did not actually mean that you can really afford the mortgage.  Still, if you think the bank to which you are making a payment every month owns your mortgage, the chart below proves you wrong.  You can get a more detailed look in the original article.
(For the record, I did try to understand the flow chart.  I got through about half of it in 5 minutes and decided my time was better spent elsewhere.  And the "Black Hole" notation on the right hand side of the chart made me chuckle too.)

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