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Billions for Home Builder Corporate Welfare from Washington 
 New York Times, by Gretchen Morgenson
 
* Read and Post Remarks in The Huffington Post 
American Banking News: Tax Breaks Worth Billions to Big Business
* Related Articles:  NY Times: Building Flawed American Dreams 
* Rise and Fall of Predatory Lending and Housing
* Builders rake in refunds * See Forbes Magazine Article
Pulte-Centex $900 MILLON Grant Questioned

IS YOUR STATE NEXT?
As Goes Texas So Goes the Nation 
TEXAS REGULATES HOMEBUYERS!
NEW HOMEBUYER LEGISLATION MAY BE COMING TO YOUR STATE SOON
!
How Texas Home Building Industry shaped the Texas Residential Construction
Commission (TRCC) and regulates new homebuyers

Foreclosure Info
Thursday, 08 September 2005

                                                         Foreclosure/Mortgage Fraud
      
                                         SEE:CONGRESSIONAL OVERSIGHT PANEL 
     
                                                            
See: Latest Foreclosure News
                                                          See: Latest Mortgage Fraud News
                              Foreclosure Protest - No Bailout of Wall Street Banking Giants 
                                        Hundreds of Protesters 'Foreclose' on Bear Stearns Protest 
                                                             News Dissector Takes on C-NBC
                                                   NYC Bear Stearns Protest - Stop Loan Sharks
                                                       Protest at JPM & BSC organized by NACA
                                                     
Homeowners Protest Bear Stearns Bail Out
Resorces:
Good Grief America http://goodgriefamerica.ning.com/
Help With My Bank HelpWithMyBank.gov.

NY TIMES GRETCHEN MORGENSON: So Many Foreclosures, So Little Logic
LAST week, the stock market tumbled on news that housing foreclosures and delinquencies rose again in the first quarter. The
Office of the Comptroller of the Currency said that among the 34 million loans it tracks, foreclosures in progress rose 22 percent, to 844,389. That figure was 73 percent higher than in the same period last year. Foreclosures remain one of the great financial ills for the economy. The Bush administration largely overlooked foreclosures affecting average homeowners, focusing instead on propping up elite, troubled financial institutions with taxpayer funds. The Obama administration has said it wants to wrestle the foreclosure issue to the ground by encouraging mortgage loan modifications, but its efforts have gotten little traction...But the most fascinating, and frightening, figures in the data detail how much money is lost when foreclosed homes are sold. In June, the data show almost 32,000 liquidation sales; the average loss on those was 64.7 percent of the original loan balance. Read more... 

Foreclosure Directory of Facts: American Dream: Overbought & Overbuilt
They say that owning your own home is the American dream. That dream was overbought, overbuilt (continues to be overbuilt), and is increasingly being foreclosed upon...Builders build because that's what they do. They build until they go bust or as long as they can get funding (which is typically the same thing). Insiders profit as long as they can keep building.
Read more

KB Home Mortgage Scandal 
ATTENTION: Check your mortgage ducuments. Are you about to lose your home or have you lost your home due to KB Home mortgage irregularities?  Contact: HOBB,
This e-mail address is being protected from spam bots, you need JavaScript enabled to view it ,
,
HUD and the Federal Trade Commission. See HUD Audit Report - KB Home Mortgage Failed to Ensure Underwriting Certifications for Federal Housing Administration Loans Were Accurate

Did HUD Ex-Secretary Cisneros Help Mastermind Preditory Lending
"Henry Cisneros on the hot seat”...A predatory lending scheme that many experts predict could eventually lead to the worst recession to hit this county, and possibly the entire financial world...which ultimately compensated him generously... after leaving HUD Cisneros became a KB Home board member as well as a Countrywide board member.  He created American City Vista, an affordable housing joint venture with KB Home, as KB Home began construction on the disastrous Mirasol project that cost taxpayers millions, of which $5M is still missing. Express-News on the Hot Seat...
Read More...

                              
Foreclosing on the American DreamThe Charlotte Observer Special Report Three Part Series   Loan defaults a growing burden for lower-income neighborhoods. Buying a home has never been easier. And it's never been easier to lose one

Forclosures rise in 47 states: A Bane Amid The Housing Boom: Rising Foreclosures
Foreclosure rates rose in 47 states in March, according to Foreclosure.com, an online foreclosure listing service. The rates in Florida, Texas and Colorado are more than twice the national average. Even in New York City and Boston, where real estate markets are white-hot, foreclosures are rising in working-class neighborhoods...

Federal Law - Builders liable for forced use of Title
Just say no to builder incentives with strings attached
One of the federal government's top housing officials has this practical advice for anyone negotiating with a builder to buy a new house: You can always say no...But federal real-estate settlement rules "require that these incentives be legitimate and not built into the price of the house or the cost of the loan." In other words, builders cannot tempt you with illusory benefits — alleged discounts that you're actually paying for somewhere else in the deal. Read more... 

Special Reports:  KB Home Foreclosure Rate More Than Double Other Builders.
Records show that KB foreclosures are as high as 30%.

Texas leads the nation in total home foreclosures
Texas has earned bragging rights in a dubious arena: Homeowners went to foreclosure in 2004 in total numbers that far exceeded any other state.While the state was laying claim to No. 1, Bexar County had more residential foreclosures in December than California, West Virginia, Montana and Hawaii combined.

Denver Post Foreclosure Series - Foreclosing on the American Dream
FHA program key in surge of foreclosures
A key factor in the state's record-setting wave of foreclosures, critics say, is an FHA program that allows people to borrow more than their houses are worth with little or no money down. Created to extend the dream of homeownership to first-time buyers, the so-called FHA gift program instead has led to rampant foreclosures. Nearly 6,000 FHA loans have wound up in foreclosure in Colorado in the past two years, and during that time the program allowed more than 25 percent of FHA buyers to use gifts as down payments.

Record foreclosure pace
More than 9,500 real estate foreclosures have been filed in the Denver area in the first half of the year, about 34 percent more than in the first six months of 2005.  It's on pace to be the worst year ever in terms of the number of foreclosures, topping 17,122 in 1988, though the area's population growth since then means the total percentage of homes in foreclosure is smaller.

Foreclosures still surging
Residential foreclosure filings continue to flood public offices throughout the metro area, with no signs that the record-setting pace of failed home loans will let up. Foreclosures in the seven-county metro area jumped by nearly a third in the first half of the year compared with the same period in 2005, according to public-trustee counts.


American Homeowners Resource Center
See: Lobbyists decimate Homeowner protection bill 
For more information, please check out the articles listed below:

 
  • THEY STOLE MY HOUSE - Thomas Radcliff
  •  
  • California Bills Update - August 11, 2004 - AHRC News Services
  •  
  • Senate approves limiting foreclosures in homeowner associations - Jim Wasserman
  •  
  • CAI/CLAC DECLARES WAR ON ANTI-FORECLOSURE LEGISLATION - AHRC News Services
  •  
  • SUPPORT ASSSEMBLY MEMBER DARRELL STEINBERG'S BILL - AB2598 - Joe Homeowner
  •  
  • U.S. Bank joins CAI & Perry Communications in Effort to Hoodwink California Residents to Support CAI's Opposition to AB 2598 - Alex Lyte
  •  
  • THE AGONY OF THE RADCLIFFS - Thomas & Anita Radcliff
  •  
  • Schwarzenegger rejects ban on homeowner association foreclosures - Jim Wasserman
  •  
  • We've Only Begun to Fight! - Kathy Kemp
  •  
  • Who's Who in the California Homeowner Association Housing Industry? - Ann Roth
  •  
  • HOMEOWNERS ON THE VERGE OF VICTORY IN CALIFORNIA - Tom Beasley
  •  
  • NINE MILLION PLUS CALIFORNIANS - LET YOUR SENATORS,ASSEMBLY MEMBERS AND THE GOVERNOR KNOW THAT THEIR VOTES FOR HOMEOWNERS RIGHTS WILL MEAN VOTES FOR THEM - Pat March
  •  
  • CALIFORNIA SENATOR DUCHENY RE-INTRODUCES LEGISLATION TO PROTECT HOMEOWNERS FROM FORECLOSURE - Senator Denise Moreno Ducheny
  •  
  • California Homeowner Association Bills for 2005 - Sandy Meyer
  •  
  • California Senate Judiciary Committee passes SB 137 - AHRC News Services
  •  
  • What's happening on California Homeowner Association Bills - April 28, 2005 - AHRC News Services
  •  
  • Senator Ducheny's Homeowner Association Foreclosure Bill SB 137 Passes First Important Test - Senator Denise Moreno Ducheny
  •  
  • California Homeowner Association Bills And CAI Lobbyists - June 4, 2005 - Marcus Aurelius
  •  
  • Don't weaken homeowners' associations - Curt Curtis Sproul
  •  
  • SPROUL ON THE PROWL! HOMEOWNERS BEWARE! - Ann Roth
  •  
  • Rockin' the suburbs - Jeffrey M. Barker
  •  
  • HOMEOWNERS BEING SLICED AND DICED BY CALIFORNIA POLITICIANS - AHRC News Services
  •  
  • Governor Arnold Schwarzenegger of California
  •  
  • Assemblyman Darrell Steinberg - California - Termed out in 2005
  •  
  • Senator Denise Moreno Ducheny (D) - 40th District - Coachella Valley
  •  
  • Skip Daum - CLAC - California Legislative Action Committee - CAI
  •  
  • Community Associations Instiitute - CAI
  •  
  • Sam Dolnick - CAI lobbyist , director
  •  
  • Responsible Neighbors.com - A CAI Website to lobby
  •  
  • Tom Skiba - Frank Rathburn - Propagandists for CAI foreclosure lawyers
  • American Homeowners Resource Center (AHRC)
    PO Box 97 • San Juan Capistrano • California • 92693
    Telephone: (949) 366-2125  Email:

     

     Texas, First Home Lemon Law Debated in the Nation

    Search HOBB.org

    Reckless Endangerment
    BY: GRETCHEN MORGENSON
    and JOSHUA ROSNER

    Outsized Ambition, Greed and
    Corruption Led to
    Economic Armageddon


    Amazon
    Barnes & Noble

     Feature
    Rise and Fall of Predatory Lending and Housing

    NY Times: Building Flawed American Dreams 
    Read CATO Institute: 
    HUD Scandals

    Listen to NPR:
    Reckless Endangerman
    by
    Gretchen Morgenson : How 'Reckless' Greed Contributed
    to Financial Crisis - Fannie Mae

    NPR Special Report
    Part I Listen Now
    Perry Home - No Warranty 
    Part II Listen Now
    Texas Favors Builders

    Washington Post
    The housing bubble, in four chapters
    BusinessWeek Special Reports
    Bonfire of the Builders
    Homebuilders helped fuel the housing crisis
    Housing: That Sinking Feeling

    Consumer Affairs Builder Complaints

    IS YOUR STATE NEXT?
    As Goes Texas So Goes the Nation
    Knowledge and Financial Responsibility are still Optional for Texas Home Builders

    OUTSTANDING FOX4 REPORT
    TRCC from Bad to Worse
    Case of the Crooked House

    TRCC AN ARRESTING EXPERIENCE
    The Pat and Bob Egert Building & TRCC Experience 

    Build it right the first time
    An interview with Janet Ahmad

    HUD's Broken System
    From HUD's Deregulation to Disgrace
    Did HUD Secretary Cisneros
     Mastermind Predatory Lending?

    Bad Binding Arbitration Experience?
    conttribute@hobb.org
     or call 1-210-402-6800

    Pulte Homeowner Survey
    Warranty & Mortgage Experience
     Click to participate

     Feature: Mother Jones Magazine
    Are you Next?
    People Magazine - Jordan Fogal fights back
    Because of construction defects Jordans Tremont Home is uninhabitable
    http://www.tremonthomehorrors.com/
    You could be the next victim
    Interview with Award Winning Author Jordan Fogal

    Warranty?  What 25-Year-Warranty?
    Warranty Scams that fool the public 25 years, 50, 100 or even a Lifetime Warranty, whats the difference?

    PROFITABLE DEFECTIVE PRODUCTS
     
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