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Richard Kaye holds a BA from the [link widoczny dla zalogowanych] University of California at Los Angeles and has spent 20 years in the financial services sector, first serving as a registered securities principal. He later expanded his services to include investment banking where he guided company clients with financing, public market listings and institutional sponsorship. Subsequently, Richard co-founded Mortgage Solutions, a full service mortgage lender and recently developed valuable consumer-direct loss mitigation platforms instrumental in saving homes and rehabilitating consumers, including Debt Relief IQ, an automated online debt relief portal that guides consumers to debt settlement resolution utilizing easy -to-use-proprietary technology.For more information visit:
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Rent the House Next Store for 50 % the Cash: Strategic DefaultersArticle Summary: With the number of strategic defaulters growing rapidly nationwide, government agencies and lender servicers are looking for ways to identify [link widoczny dla zalogowanych] strategic defaulters early in the process and develop ways to hinder their efforts to avoid making payments on their mortgage. This article examines the traits of the strategic defaulter given the backdrop of plummeting home prices in the US housing market.
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I first heard the term "strategic defaulter" back in early 2000 from one of our large servicing clients that was utilizing our work-flow technology to manage their increasing volumes of delinquent borrowers. This client [link widoczny dla zalogowanych] was able to handle the standard servicing of billing and collections; but when it [link widoczny dla zalogowanych] drop that continues today, three years later.
Borrowers that remained current on [link widoczny dla zalogowanych] their mortgage obligations continued to watch the prices of their homes erode. And with lender servicers telling delinquent borrowers [link widoczny dla zalogowanych] that they must be at least two or three months late in order to apply for a [link widoczny dla zalogowanych] loan modification, current borrowers gradually became angry and apathetic; why was the government offering debt relief solely for distressed properties and in some [link widoczny dla zalogowanych] rare cases even offering principal loan balance reductions. As property values continued to drop, more and more borrowers that were doing the right thing and paying their bills on time were watching distressed property owners being rewarded with loan modifications. The reality [link widoczny dla zalogowanych] is that only one in seven borrowers have received loan modifications but current borrowers continued to see much media coverage and advertisements that suggested everyone and their mother were getting a free ride on the backs of those distressed properties that were paying their bills on time.
Imagine the millions of homeowners that were becoming more and more infuriated as their home values continued to drop; this is when [link widoczny dla zalogowanych] the term strategic defaulter began to [link widoczny dla zalogowanych] make its way into discussions by government agencies such as Fannie Mae and Freddie Mac, the largest holders of delinquent mortgages in the country. Some of the discussion about increasing foreclosure activity began to shift away from legitimate hardship issues leading to increased foreclosures to focus on borrowers that can afford their mortgage payments but calculate the benefit to stop making payments and except the fact that they should wait it out and let the bank eventually take the home back in a foreclosure. With values plummeting in once high flying locations like California, Nevada and Florida, current homeowner making a $5,000 mortgage payment could now stop paying the mortgage, wait it out for the bank to foreclose and go and rent the same home in the same neighborhood for half the price of their original mortgage payment. With the property values dropping more than 50 percent or more in some areas to far less than what they owe on the mortgage loan, the strategic defaulters mentality has become more mainstream. In fact, Morgan Stanley estimates that 12 percent of all homeowners are exercising strategic defaulter characteristics back in early 2000 with that number exceeding 30 percent according to some studies. Fannie Mae recently announced new policies against borrowers who defaulted on their mortgage even though they had the ability to continue payments by actually going after these borrowers legally by obtaining deficiency judgments and shaking them down to pay on these deficiencies.
Of course, going after strategic defaulters is not an exact science. The group that calculates consumer fico scores is developing ways [link widoczny dla zalogowanych] to identify them but with so many millions of homeowners becoming strategic defaulters enforcing any kind of penalties on any scale is unlikely. "Mortgage payment patterns have shifted, and some borrowers are intentionally defaulting on their mortgages because they believe it is in their best financial interest, and because they believe the consequences will be minimal," said Dr. Andrew Jennings, chief analytics officer at the Minneapolis-based FICO and head of FICO Labs. "Before mortgage servicers can work effectively with potential strategic defaulters, they must first be able to identify them."
With 35 percent of all foreclosures driven by strategic defaulters, according to the Chicago Booth School of business, homeowners are surly bracing for continued pain in the protracted housing market melt-down.
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