Barack Obama, our next President

Full story: Hampton Roads Daily Press

"The road ahead will be long. Our climb will be steep," Obama cautioned. Young and charismatic but with little experience on the national level, Obama smashed through racial barriers and easily defeated ...

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Since: May 11

Greencastle, PA

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#895733
Apr 30, 2013
 

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lily has US IP wrote:
<quoted text>
What about "No Money Down" Mortgages? Were they required by the CRA?
The regulators charged with enforcing the CRA praised the lowering of down payments and even their elimination. They told banks that lending standards that exceeded that of regulators would be considered evidence of unfair lending. This effectively meant that no money down mortgages were required.
http://www.occ.gov/topics/compliance-bsa/cra/...
A Treasury Department study published in 2000 found that the CRA had successfully lowered down payments not just for CRA loans, but for all mortgages.
Explain the shift in loan to value away from the traditional lending requirement of 80%
http://66.102.1.104/scholar?hl =en&lr=&safe=off&c lient=firefox-a&q=cache:pb Dlag9rnykJ:www.ustreas.gov/pre ss/releases/reports/crareport. pdf+securitization+%22communit y+reinvestment+act%22
Again, the regulators told banks that much higher LTVs was an appropriate way to meet the CRA obligations.
http://www.federalreserve.gov/Boarddocs/Speec...
Regulators instructed banks to consider alternatives to traditional credit histories because CRA targeted borrowers often lacked traditional credit histories. The banks were expected to become creative, to consider other indicators of reliability.
http://www.occ.treas.gov/index.html
Banks were expected by regulators to relax income requirements. Day labors and others often lack reportable income. Stated-income was a way of resolving the gap between actual income of borrowers and reported income.
http://www.occ.gov/topics/compliance-bsa/cra/...
Yes sometimes the down payment was lowered & sometimes the interest rate rate was lowered so some that could not quite afford the standard terms, could afford this lower rate. Banks were to use a portion of their profits in this manner in their communities. But when the reductions were made, the borrowers still had to show they could make those lower payments.

CRA loans were typically long term conventional mortgages.
Jimmy

Los Angeles, CA

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#895734
Apr 30, 2013
 

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they now have device banning.
which will make the chimps phone as useless as his mangina.

Since: May 11

Greencastle, PA

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#895735
Apr 30, 2013
 

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Jimmy wrote:
isnt latrobe near Happy Valley?
no
lily boca raton fl

Boca Raton, FL

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#895736
Apr 30, 2013
 

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shinningelectr0n wrote:
<quoted text>
Aunt Bettie Lou's posts contain substance. Yours contain innocuous, often insane fluff.
Shuddup and learn from her.
Oh, and yours have a lot of substance...
Jimmy

Los Angeles, CA

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#895737
Apr 30, 2013
 

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lily boca raton fl wrote:
<quoted text>
He had the courage to come out; it can't have been easy to be a black nba player and keeping it quiet all those years.
He's a damn fine specimen of a man, has a twin brother too.
i bet that obamanation poster will be next to come out.
OBAMANATION

Latrobe, PA

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#895738
Apr 30, 2013
 

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sockpuppet ped-o-phile dem wrote:
<quoted text>
Arent you that child molester that was arrested outside Clarksburg?
claskburg is like 30 miles away, try again ped-ophile
Jimmy

Los Angeles, CA

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#895739
Apr 30, 2013
 

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somebody got the chimps device code.

LOL!
lily boca raton fl

Boca Raton, FL

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#895740
Apr 30, 2013
 

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Maria Schriver returning to NBC
opo

Independence, MO

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#895741
Apr 30, 2013
 

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I found Tenzig to be very bright although he just made facts up to fit his agenda. Grey was just an idiot blowhard...much like Jean and Lily.
Jimmy

Los Angeles, CA

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#895742
Apr 30, 2013
 

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OBAMANATION wrote:
<quoted text>claskburg is like 30 miles away, try again ped-ophile
i heard you took the bus there.
Jimmy

Los Angeles, CA

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#895743
Apr 30, 2013
 

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i bet the latrobe chimp is gonna be real bored when his device gets banned.
keep reporting!!!!!!!!!

“My Life Is A Shell Game”

Since: May 07

Lapeer, MI

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#895744
Apr 30, 2013
 

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lily boca raton fl wrote:
<quoted text>
Oh, and yours have a lot of substance...
Thank You.

Now applaud, Trash.

Since: Feb 08

Spokane, WA

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#895745
Apr 30, 2013
 

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Realtime wrote:
<quoted text>Tell us all again Eed where and when it was that Junior served in the military__the records are a little sketchy__something about the Alabama Air National Guard.
Cheney abused the Selective Service system worse than Clinton did and then bragged about it___how do you feel about Cheney?
Cheney worked Bush like a puppet and was the de facto POTUS from 2001 until 2009. Cheney was at the 2012 Republican convention in Tampa. Hah!
Tell us all again Eed how you volunteered for the draft.
"real time"
Fact:
Bush served in the US Military
Clinton did not serve in the US Military
I did volunteer for the draft, two years active duty, over 7 in the Army National Guard.
It would be my guess you are afucking coward and never served, just like your hero president nobama.
Peace
KMA
TMS

Los Angeles, CA

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#895746
Apr 30, 2013
 

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How disgusting.
i bet he sucks penis's in airport restrooms too..
TMS

Los Angeles, CA

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#895747
Apr 30, 2013
 

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Jimmy wrote:
<quoted text>
i bet that obamanation poster will be next to come out.
He has tried to swallow my testicles numerous times.
its in the water in Latrobe.
lily boca raton fl

Austin, TX

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#895748
Apr 30, 2013
 

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yo yo yo

“My Life Is A Shell Game”

Since: May 07

Lapeer, MI

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#895749
Apr 30, 2013
 

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lily boca raton fl wrote:
Maria Schriver returning to NBC
What?

Don't they have enough Janitors?
TMS

Los Angeles, CA

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#895750
Apr 30, 2013
 

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opo wrote:
I found Tenzig to be very bright although he just made facts up to fit his agenda. Grey was just an idiot blowhard...much like Jean and Lily.
you got one of 'dem' dare cheep ip hiders, hillbilly.

“Often imitated”

Since: Jul 07

never duplicated

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#895751
Apr 30, 2013
 

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lily boca raton fl wrote:
<quoted text>
I never even noticed that it's a capital L on the Ipad and lower case on the pc! Who has time for that nonsense? I wouldn't even know how to do that, nor do I care to. These people or person is insane.
You wouldn't know how to do that? Are you really that stupid? After that statement, I now have my doubts.
TMS

Los Angeles, CA

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#895752
Apr 30, 2013
 

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lily boca raton fl wrote:
Maria Schriver returning to NBC
very nice woman.

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