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« Your client’s money | New mortgages & re-financing | Main | Domestic violence | Planning for safety during divorce »


Your observation that the worst is yet to come is probably spot on. Typically, two to three years is required for all the "hanger's on" to run out of resources and finally lose out to divorce. With jobs disappearing as fast as they are and a market bias against older workers, the trend seems dire, especially for women and children. The current government programs seem to be targeted at larger entities and not at individual homeowners. The programs aimed at individual homeowners are not widespread enough. Without reforms to mortgage instruments, including the ending of the due on sale clause, it is nearly impossible to sell one's home without a new mortgage. When so many houses are being bought by speculators, that drives prices down. To change things, the rules that created the mess have to change, because human nature is not likely to.

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