May 17, 2007

Lenders Moving to Stem Foreclosures

Lenders Moving to Stem Foreclosures

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So far the housing slump, precipitated in part by overzealous borrowing and subprime lending, continues its downward slope.� In discouraging news for homeowners and home sellers nationally, a Standard & Poor's report recently�said "the deceleration and declines in home prices are showing no signs of turnaround."

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Even when the economy and the housing market are strong, some borrowers run into financial difficulty because of events such as job loss, divorce or illness.� Over the past year, two other factors have driven the rise in past-due loans and foreclosure filings:

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One is known as "payment shock," when adjustable-rate loans reset sharply upward.� Lenders in recent years failed to consider whether the borrowers will be able to afford their loans once initial "teaser" rates adjust, critics charge.

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The other is simply that a decade-long housing boom stalled out.� Some who bought homes near the market peak — often with no down payment — owe more than their houses are now worth.� So selling it offers no sure escape route from foreclosure.

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Housing advocates say to beware of "rescue" scams, outfits that charge big fees and then fail to help people stay in their homes.� As more and more people face foreclosures, it's almost a given that scam artists will come out of the woodwork to prey on un-suspecting homeowners.

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Impelled by financial and political pressure to try to curtail foreclosures, lenders are taking action on several fronts:

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