discarded lies: friday, september 22, 2017 12:59 pm zst
Keep Calm and Carry On
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zorkmidden
Whose fault is it?
Who is responsible for the mortgage crisis? Depends on whom you want to believe. Some people believe that the mortgage industry has become a predatory beast run amok and others believe that it's borrowers who are making poor decisions. And since Hispanics hold 40% of the subprime mortgages, Gregory Cahn, from a housing counseling agency in Long Island, New York, believes that the problem is taking advantage of immigrants with limited English skills whose "lack of financial education and their overwhelming desire to buy a home makes them the perfect victims of predatory lenders".

Is it the lender's responsibility or is it a personal responsibility? I don't consider myself "financially educated" and I take that into account before I make any major financial transactions. Which means either talking to a trusted advisor who is financially educated or paying a little extra to talk to an accountant or a lawyer. I consider that expense part of the purchase price, and sleeping worry-free is priceless.
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