Map of Misery

Map of Misery.jpg (154 KB)

I live in California with all these dumbasses. Shit.

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    Special Kail

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    i’m a duck. quack quack


    HAHA – I OWN my home here in cali… too many broke-ass ghetto people.


    My family paid for our house in full when we bought it 15 years ago.


    Woops, forgot to mention we live in California (Orange County).


    My exhubby is one of those dumbasses.


    Can anyone honestly say they are surprised by this map?


    Am I surprised that the most densely populated areas have the most competitive, unbalanced real estate markets? No, I suppose not.

    That is what you meant, isn’t it, Machete Jack?


    For those of you who have taken out an ARM on a house you know you could not afford….



    This is what happens when greedy mortgage lenders take advantage of uneducated immigrants who don’t make nearly enough money to afford a house loan.

    I know, I used to work for a lender. If anyone cares, look up WMC Mortgage Corp. They’re currently the target of a half dozen different lawsuits, including fraud. They laid me off about a year and a half before they went under. I can only imagine how much money their dumb cunt of a CEO walked off with when her company imploded.

    And yes, I’m allowed to call her that. I had to suffer through monthly pep talks she hosted, plus I actually had to deal with her in person twice. She struck me as the exploitative type.

    Anyway, while I worked for WMC I saw them deliberately target people who didn’t need a refinance, couldn’t afford a home loan, or just didn’t plain deserve credit of any type get the most outrageous mortgages you can think of.

    Credit score near 500? No worries.

    You’re a lawnmower and you make $3000 per month? Not a problem.

    Oh, you only say you make $3000 per month, but you can’t prove it. That’s ok too. We’ll forge some income documents for you.

    So we wind up giving this person 100% financing with a rate that’s a steal. Too bad the fine print says the rate will shoot up so high they’ll be forced to refinance in three years. But who reads the fine print anyway? He can’t read english and his broker doesn’t tell him about it.

    Meanwhile, the broker is getting 3% of the value of the loan, not including standard broker fees, which typically amount to several thousand dollars, and the sales rep for the lender is getting a hefty commission.

    And everyone sleeps well at night.

    You have no idea how many of these loans I saw come across my desk. By the time they laid me off I was wise, but the year before when they hired me I was completely naive to the system.

    In a typical month, my sales team closed several of these deals. The company was closing thousands of them, all over the country.

    If you want to know why the economy sucks, blame the system that allowed companies like the one I worked for to operate, and blame the people who were exploiting the common people who had no idea how the system worked.


    lawnmower = gardener*


    How could it be the companies’ fault what are you mike some kind of pinko?

    Why do you hate America?


    Sarcasm? Sorry, sometimes I’ve a hard time discerning it on the internet.




    Perhaps a stupid question, but what exactly is this map telling us and for how long a period?

    tiki god

    fucking shit, I wish I made $3k a month.


    $3k p/m is enough to pay a mortgage for a modest house in a rural area. In most cities in California and certainly any place near NYC would be out of reach, but here in WV it’s enough. I’m w/in an hour of both DC and Baltimore and you can still get a 3 bedroom ranch for under $120k here.


    Yeah that 3k figure is an intentional exaggeration. L.A. gardeners don’t make that much, and even if they did, it wouldn’t be enough to buy a home with.

    My point was to illustrate that income figures for borrowers were often falsified. I’m assuming you guys got that point.


    Wow. Louisiana is lowest at something that isn’t education or health.


    That’s because it has one of the slowest housing markets in the union. Nobody wants to live there, and they’re right for not.


    thats because all there houses got blowed away


    You don’t need to buy land in Liziana. Mud + boards + swamp and you got your self a purdy sturdy piece of real estate to build your castle on, so long as you don’t mind the insects.

    Now building that castle, other matter altogether. You’re gonna be out of boards and plants at this point, so consider weaving some vines with twigs as supports, and filling the gaps with mud. Once that dries you’ll be livin like a king.

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