Patrick.net housing crash news | bubble blog

Write Pelosi: We want lower prices and less debt!

Patrick,

You should permanently post this link on your site:

http://www.speaker.gov/contact

and suggest your 17,000 daily readers send her a quick note like the one I just sent:


Dear Speaker Pelosi,

Please do not use taxpayer dollars to bail out homeowners.  I understand
the desire to keep people in their homes.  However, the homes in question
did not belong to the people living in them.  The homes belong to the lien
holders until the mortgage is paid in full.  Mortgage holders are simply
allowed the opportunity to live in the homes until the payments are
complete.

My family lives in a high cost area of Southern California and make
payments on a townhome.  My wife and both have good jobs and live well
within our means.  Speculative home buyers, fraudulent appraisers and pure
greed at the investment firms and the banking companies priced us out of
the American dream to own a single family home.  To bail out speculative
home buyers or those that did not understand the risks associated with the
loan products they purchased is insulting.  Purchasing a home is a long
term investment.  Any time you purchase any investment, whether it is a
home, mutual fund or stock it is clearly printed everywhere "the value of
the investment may rise or fall."  The fact that people are defaulting on
their loans within 24 or 36 months is a clear indication they could not
afford the house.

A homeowner bailout is problematic on every level.  This is a free market
economy and the laws of supply and demand must be provided the opportunity
to work.  A bailout will only prolong this economic downturn and further
erode value of this country.

Kindest Regards,

Jason L.