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Bank of America just launched a zero down payment mortgage in 21 cities

21 点作者 mjaques超过 2 年前

5 条评论

logicalmonster超过 2 年前
Different media outlets have publicized this story by claiming that this program was just for Black and Latino buyers (pretty racist for a company to sell different products and have different policies for people based on race), while this story says that this program is in historically Black and Latino neighborhoods. Kind of a difference if it&#x27;s open to all people or not. Which is it?<p>Personally, I&#x27;d say that the &#x27;&#x27;bankers&#x27;&#x27; are using the guise of &#x27;&#x27;helping the people of color&#x27;&#x27; to actually prey on them. This is a slam dunk setup for another government bailout (&#x27;&#x27;Help us Uncle Sam, so many people defaulted on their loans, nobody could see this coming.&#x27;&#x27;) as well as taking control of lots of property during the next economic downturn.
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throwaway_4ever超过 2 年前
It seems to me a huge bank like Bank of America is well-capitalized to start a huge investment project into a troubled area of a city that will:<p>1. provide wealth to it&#x27;s residents 2. fix crime and blight 3. help alleviate housing affordability crisis<p>Right now, a troubled area might have housing wealth be 1&#x2F;4 of a nearby affluent area. But generally, this is simply because of crime and bad schools due to the cycle of poverty. If you&#x27;re able to quickly alleviate the crime and poverty, suddenly that troubled area is basically as desirable for housing as the rest of the area.<p>Now, usually, this &quot;gentrification&quot; process has happened slower, over decades, and without the corresponding wealth accrual of its current residents. So it doesn&#x27;t work out for the current residents and the clash between people is much harsher.<p>But what if all the wealth that was created when a $300k East Oakland home becomes $1m, was equally shared between investment and residents? Could you pay people (give them some type of community job) and&#x2F;or make sure everyone has housing equity, to break that cycle, stop the crime, so that everyone wins?<p>It feels doable if tackled on a large scale, what am I missing?
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steveharman超过 2 年前
Because easy-to-get US mortgages never caused any problems
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camgunz超过 2 年前
Quick reminder to everyone in the thread that this isn&#x27;t an example of reverse racism, which doesn&#x27;t exist, nor is it an example of racism, which would require that BofA consider Black and Latino mortgage seekers as <i>superior</i> to Whites based on their race.<p>Not to be all Eeyore, but it&#x27;s a little exhausting to have any post about any race-conscious action get bogged down by commenters who haven&#x27;t even read the Wikipedia pages for racism and reverse racism. There&#x27;s an interesting discussion to be had about these kinds of policies:<p>- housing as infinitely growing store of wealth is probably bad, is it a good idea to get more people on that train? Is it unfair to effectively bar Black and Latino mortgage seekers from the gravy train?<p>- is it a good idea to do this now, as we&#x27;re descending further into a housing crisis, or are these markets more liquid than others<p>- what are other non-credit-score measures of creditworthiness? Is credit even a good idea? Should the government just back things like mortgages, school, and auto loans?<p><a href="https:&#x2F;&#x2F;en.m.wikipedia.org&#x2F;wiki&#x2F;Racism" rel="nofollow">https:&#x2F;&#x2F;en.m.wikipedia.org&#x2F;wiki&#x2F;Racism</a><p><a href="https:&#x2F;&#x2F;en.m.wikipedia.org&#x2F;wiki&#x2F;Reverse_racism" rel="nofollow">https:&#x2F;&#x2F;en.m.wikipedia.org&#x2F;wiki&#x2F;Reverse_racism</a>
dkobia超过 2 年前
As always a token of good faith from bankers only makes sense when viewed through the lens of Gordon Gekko - “It’s all about bucks, kid. The rest is conversation.”