Comments on: The Return of the $1,000 Down Mortgage

By: lighting

lighting — Sun, 28 Aug 2011 00:59:00 +0000

Here we go again. Wouldn’t you think the recession was long and hurtful enough. I hope they do not start this again.

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By: hermes birkin

hermes birkin — Sat, 23 Apr 2011 06:46:00 +0000

, they should not buy a home. If they don’t have the personal responsibility to save for the down payment, they surely won’t have the personal responsibility to make timely mortgage payment

By: mcp

mcp — Fri, 15 Oct 2010 05:01:04 +0000

I enjoy how? this video is only proven more correct as time marches on.

By: Your Daddy

Your Daddy — Thu, 30 Sep 2010 11:06:57 +0000

"Until people can learn to save up the money for the down payment of at least 10%, plus the closing costs, they should not buy a home. If they don't have the personal responsibility to save for the down payment, they surely won't have the personal responsibility to make timely mortgage payments."

Really? I got a 100% loan a few years back on the home I own now. I had the income to support the loan, and only didn't have enough for both a down patment and closing costs because I had never considered buying a home before that point. I had a cushion of savings, but that was about enough for closing costs... so... I had a good solid job, a cushion of savings, and otherwise was having fun with my money as I'm entitled to...i worked hard for it, and I was enjoying it.

I didn't get a great rate since it was 100% financing and my credit was decent but not great, and yet even though I was probably paying way more than I should have been (if I had done it 'right' and gotten a traditional loan) I have never come close to missing a payment. My credit is great now, my income has gone up about 2x what it was since then- and although my family has grown too large to fit this place, I never considered a short sale. I would only sell if I can pay the difference out of pocket, which I mostly likely can because, again, I was responsible enough to save.

I'm not saying I totally agree that it's a good idea...anyone can lose their job, or find themselves in some hardship where 100% financing can end up being a disaster...I was lucky. But the fact is, whether or not someone HAS saved for a down payment doesn't indicate whether they CAN or whether they are responsible. People's priorities would and should be different once they own a home and have the responsibility of a mortgage. Banks examine risk based on multiple factors- if someone has good employment history and good credit, and by all other measures can afford to make the payments, I don't think we should still just assume this person is risky just because they didn't choose to save up the down payment. That said- I dont' think they should be bailed out or given tax payer backed programs to bail them out or restructure their mortgage if the market turns down either... buying a home is an investment that comes with risk like any other investment.

By: Woman

Woman — Fri, 24 Sep 2010 09:48:06 +0000

It amazes me that everyone who has something negative to say has the security of owning their own home. Saving for a down payment doesn't make you more responsible. Many home owners simply sponge off others until they can obtain enough money to put down ie: live with their parents. If you were so concerned with people actually paying back the loans you would NOT ignore the new program has a 1.8% delinquency rate. I am CERTAIN this is much lower than the delinquency rate of a conventional loan. This is an excellent program and as long as they continue to lend responsibly it will never end up in the dire circumstances of the present conventional loan disaster.