1. #1
    ms61853
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    9 years ago: NYT noted bailout of Fannie Mae was anticipated--Dems irresponsibility

    This article should be framed outside every polling station. It provides confirmation about the root cause of the current housing crisis. The fact that it was written by the New York Times considerably boosts its credibility in liberal eyes.

    The NYT tells the story of what was going on in 1999...and provides the WHO and WHY.

    After the Republicans took the White House in 2001 they made several attempts to create legislation to introduce oversight, including a bill co-sponsored by McCain in 2005. In 2005 the attempts were blocked by Dems....specifically Barnie Franks who denied there was a crisis. Similar Dem denials are on the record from when Republicans tried in 2003 and in 2007.

    Notice who is quoted in the article...Obama's advisor and backer Franklin Raines Obama's attempt to pin this mess on Senator McCain is a complete perversion of the truth.

    The Dems know they're guilty as hell...otherwise we would have had a dozen congressional hearings initiated by now, which is Queen Pelosi's standard response to anything she can blame on her opponents.

    H/t Newsbusters

    September 30, 1999

    <b> Fannie Mae Eases Credit To Aid Mortgage Lending</b>

    By STEVEN A. HOLMES

    In a move that could help increase home ownership rates among minorities and low-income consumers, the Fannie Mae Corporation is easing the credit requirements on loans that it will purchase from banks and other lenders.

    The action, which will begin as a pilot program involving 24 banks in 15 markets -- including the New York metropolitan region -- will encourage those banks to extend home mortgages to individuals whose credit is generally not good enough to qualify for conventional loans. Fannie Mae officials say they hope to make it a nationwide program by next spring.

    Fannie Mae, the nation's biggest underwriter of home mortgages, has been under increasing pressure from the Clinton Administration to expand mortgage loans among low and moderate income people and felt pressure from stock holders to maintain its phenomenal growth in profits.

    In addition, banks, thrift institutions and mortgage companies have been pressing Fannie Mae to help them make more loans to so-called subprime borrowers. These borrowers whose incomes, credit ratings and savings are not good enough to qualify for conventional loans, can only get loans from finance companies that charge much higher interest rates -- anywhere from three to four percentage points higher than conventional loans.

    ''Fannie Mae has expanded home ownership for millions of families in the 1990's by reducing down payment requirements,'' said Franklin D. Raines, Fannie Mae's chairman and chief executive officer. ''Yet there remain too many borrowers whose credit is just a notch below what our underwriting has required who have been relegated to paying significantly higher mortgage rates in the so-called subprime market.''

    Demographic information on these borrowers is sketchy. But at least one study indicates that 18 percent of the loans in the subprime market went to black borrowers, compared to 5 per cent of loans in the conventional loan market.

    In moving, even tentatively, into this new area of lending, Fannie Mae is taking on significantly more risk, which may not pose any difficulties during flush economic times. But the government-subsidized corporation may run into trouble in an economic downturn, prompting a government rescue similar to that of the savings and loan industry in the 1980's.

    ''From the perspective of many people, including me, this is another thrift industry growing up around us,'' said Peter Wallison a resident fellow at the American Enterprise Institute. ''If they fail, the government will have to step up and bail them out the way it stepped up and bailed out the thrift industry.''

    Under Fannie Mae's pilot program, consumers who qualify can secure a mortgage with an interest rate one percentage point above that of a conventional, 30-year fixed rate mortgage of less than $240,000 -- a rate that currently averages about 7.76 per cent. If the borrower makes his or her monthly payments on time for two years, the one percentage point premium is dropped.

    Fannie Mae, the nation's biggest underwriter of home mortgages, does not lend money directly to consumers. Instead, it purchases loans that banks make on what is called the secondary market. By expanding the type of loans that it will buy, Fannie Mae is hoping to spur banks to make more loans to people with less-than-stellar credit ratings.

    Fannie Mae officials stress that the new mortgages will be extended to all potential borrowers who can qualify for a mortgage. But they add that the move is intended in part to increase the number of minority and low income home owners who tend to have worse credit ratings than non-Hispanic whites.

    Home ownership has, in fact, exploded among minorities during the economic boom of the 1990's. The number of mortgages extended to Hispanic applicants jumped by 87.2 per cent from 1993 to 1998, according to Harvard University's Joint Center for Housing Studies. During that same period the number of African Americans who got mortgages to buy a home increased by 71.9 per cent and the number of Asian Americans by 46.3 per cent.


    In contrast, the number of non-Hispanic whites who received loans for homes increased by 31.2 per cent.

    Despite these gains, home ownership rates for minorities continue to lag behind non-Hispanic whites, in part because blacks and Hispanics in particular tend to have on average worse credit ratings.

    In July, the Department of Housing and Urban Development proposed that by the year 2001, 50 percent of Fannie Mae's and Freddie Mac's portfolio be made up of loans to low and moderate-income borrowers. Last year, 44 percent of the loans Fannie Mae purchased were from these groups.

    The change in policy also comes at the same time that HUD is investigating allegations of racial discrimination in the automated underwriting systems used by Fannie Mae and Freddie Mac to determine the credit-worthiness of credit applicants.

    Source NYT Sept 30 1999

  2. #2
    armyoflovers
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    Its Bushes fault it happened on his watch.

    Fuk da right......

  3. #3
    Wheell
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    Wasn't it McCains campaign that was run by a guy working for Fannie Mae? Rick Davis is his name (I think).

  4. #4
    ms61853
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    Quote Originally Posted by Wheell View Post
    Wasn't it McCains campaign that was run by a guy working for Fannie Mae? Rick Davis is his name (I think).
    The New York Times charges that McCain-Palin 2008 campaign manager Rick Davis was paid by Freddie Mac until last month, contrary to previous reporting, as well as statements by this campaign and by Mr. Davis himself.

    In fact, the allegation is demonstrably false. As has been previously reported, Mr. Davis separated from his consulting firm, Davis Manafort, in 2006. As has been previously reported, Mr. Davis has seen no income from Davis Manafort since 2006. Zero. Mr. Davis has received no salary or compensation since 2006. Mr. Davis has received no profit or partner distributions from that firm on any basis -- weekly, bi-weekly, monthly, bi-monthly, quarterly, semi-annual or annual -- since 2006. Again, zero. Neither has Mr. Davis received any equity in the firm based on profits derived since his financial separation from Davis Manafort in 2006.

    Further, and missing from the Times' reporting, Mr. Davis has never -- never -- been a lobbyist for either Fannie Mae or Freddie Mac. Mr. Davis has not served as a registered lobbyist since 2005.

    Though these facts are a matter of public record, the New York Times, in what can only be explained as a willful disregard of the truth, failed to research this story or present any semblance of a fairminded treatment of the facts closely at hand. The paper did manage to report one interesting but irrelevant fact: Mr. Davis did participate in a roundtable discussion on the political scene with...Paul Begala.

  5. #5
    fiveteamer
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    ms61853, why not start a blog to spew your shit?

  6. #6
    ryanXL977
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    dude
    shut the **** up

  7. #7
    McBa1n
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    Yeah, but congress was controlled by the Republicans for the next 7 after that so...
    But yeah, Dems share blame in this mess too for crap like that, but assigning blame in this case - crap, it's like spitting out of a rowboat in the middle of the ocean - there's so many places to look.

  8. #8
    picantel
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    This guy is a ****ing retard. Nobody is listening to him here yet he continues to spew his garbage. Oh wait he is a typical republican this voting season. The lies are over and the american public sees the party for what it is- lying scummy criminals.

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  9. #9
    WestsidePete
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    Both parties are at fault...pathetic to say only one side is at fault..so only dems approved all the bad loans?? BS

  10. #10
    ryanXL977
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    14 of the last 16 yrs one party controlled congress
    20 of the last 28 under a gop president

    yeah, its the dems fault

  11. #11
    WestsidePete
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    Quote Originally Posted by ms61853 View Post
    This article should be framed outside every polling station. It provides confirmation about the root cause of the current housing crisis. The fact that it was written by the New York Times considerably boosts its credibility in liberal eyes.

    The NYT tells the story of what was going on in 1999...and provides the WHO and WHY.

    After the Republicans took the White House in 2001 they made several attempts to create legislation to introduce oversight, including a bill co-sponsored by McCain in 2005. In 2005 the attempts were blocked by Dems....specifically Barnie Franks who denied there was a crisis. Similar Dem denials are on the record from when Republicans tried in 2003 and in 2007.

    Notice who is quoted in the article...Obama's advisor and backer Franklin Raines Obama's attempt to pin this mess on Senator McCain is a complete perversion of the truth.

    The Dems know they're guilty as hell...otherwise we would have had a dozen congressional hearings initiated by now, which is Queen Pelosi's standard response to anything she can blame on her opponents.

    H/t Newsbusters

    September 30, 1999

    Fannie Mae Eases Credit To Aid Mortgage Lending

    By STEVEN A. HOLMES

    In a move that could help increase home ownership rates among minorities and low-income consumers, the Fannie Mae Corporation is easing the credit requirements on loans that it will purchase from banks and other lenders.

    The action, which will begin as a pilot program involving 24 banks in 15 markets -- including the New York metropolitan region -- will encourage those banks to extend home mortgages to individuals whose credit is generally not good enough to qualify for conventional loans. Fannie Mae officials say they hope to make it a nationwide program by next spring.

    Fannie Mae, the nation's biggest underwriter of home mortgages, has been under increasing pressure from the Clinton Administration to expand mortgage loans among low and moderate income people and felt pressure from stock holders to maintain its phenomenal growth in profits.

    In addition, banks, thrift institutions and mortgage companies have been pressing Fannie Mae to help them make more loans to so-called subprime borrowers. These borrowers whose incomes, credit ratings and savings are not good enough to qualify for conventional loans, can only get loans from finance companies that charge much higher interest rates -- anywhere from three to four percentage points higher than conventional loans.

    ''Fannie Mae has expanded home ownership for millions of families in the 1990's by reducing down payment requirements,'' said Franklin D. Raines, Fannie Mae's chairman and chief executive officer. ''Yet there remain too many borrowers whose credit is just a notch below what our underwriting has required who have been relegated to paying significantly higher mortgage rates in the so-called subprime market.''

    Demographic information on these borrowers is sketchy. But at least one study indicates that 18 percent of the loans in the subprime market went to black borrowers, compared to 5 per cent of loans in the conventional loan market.

    In moving, even tentatively, into this new area of lending, Fannie Mae is taking on significantly more risk, which may not pose any difficulties during flush economic times. But the government-subsidized corporation may run into trouble in an economic downturn, prompting a government rescue similar to that of the savings and loan industry in the 1980's.

    ''From the perspective of many people, including me, this is another thrift industry growing up around us,'' said Peter Wallison a resident fellow at the American Enterprise Institute. ''If they fail, the government will have to step up and bail them out the way it stepped up and bailed out the thrift industry.''

    Under Fannie Mae's pilot program, consumers who qualify can secure a mortgage with an interest rate one percentage point above that of a conventional, 30-year fixed rate mortgage of less than $240,000 -- a rate that currently averages about 7.76 per cent. If the borrower makes his or her monthly payments on time for two years, the one percentage point premium is dropped.

    Fannie Mae, the nation's biggest underwriter of home mortgages, does not lend money directly to consumers. Instead, it purchases loans that banks make on what is called the secondary market. By expanding the type of loans that it will buy, Fannie Mae is hoping to spur banks to make more loans to people with less-than-stellar credit ratings.

    Fannie Mae officials stress that the new mortgages will be extended to all potential borrowers who can qualify for a mortgage. But they add that the move is intended in part to increase the number of minority and low income home owners who tend to have worse credit ratings than non-Hispanic whites.

    Home ownership has, in fact, exploded among minorities during the economic boom of the 1990's. The number of mortgages extended to Hispanic applicants jumped by 87.2 per cent from 1993 to 1998, according to Harvard University's Joint Center for Housing Studies. During that same period the number of African Americans who got mortgages to buy a home increased by 71.9 per cent and the number of Asian Americans by 46.3 per cent.


    In contrast, the number of non-Hispanic whites who received loans for homes increased by 31.2 per cent.

    Despite these gains, home ownership rates for minorities continue to lag behind non-Hispanic whites, in part because blacks and Hispanics in particular tend to have on average worse credit ratings.

    In July, the Department of Housing and Urban Development proposed that by the year 2001, 50 percent of Fannie Mae's and Freddie Mac's portfolio be made up of loans to low and moderate-income borrowers. Last year, 44 percent of the loans Fannie Mae purchased were from these groups.

    The change in policy also comes at the same time that HUD is investigating allegations of racial discrimination in the automated underwriting systems used by Fannie Mae and Freddie Mac to determine the credit-worthiness of credit applicants.

    Source NYT Sept 30 1999
    Looks like Rush Limbaugh is a poster here....

  12. #12
    ryanXL977
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    copy and paste
    he doesnt even know what it means5

  13. #13
    WestsidePete
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    Quote Originally Posted by ryanXL977 View Post
    copy and paste
    he doesnt even know what it means5
    LOL...you're probably right...

  14. #14
    WestsidePete
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    If the bailout was anticipated why didn't Bush do anything about it in the last 8 years??

  15. #15
    ms61853
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    Quote Originally Posted by ryanXL977 View Post
    copy and paste
    he doesnt even know what it means5
    You shouldn't project your own ignorance onto other people.

  16. #16
    ms61853
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    Quote Originally Posted by WestsidePete View Post
    If the bailout was anticipated why didn't Bush do anything about it in the last 8 years??
    After the Republicans took the White House in 2001 they made several attempts to create legislation to introduce oversight, including a bill co-sponsored by McCain in 2005. In 2005 the attempts were blocked by Dems....specifically Barnie Franks who denied there was a crisis. Similar Dem denials are on the record from when Republicans tried in 2003 and in 2007.

  17. #17
    ryanXL977
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    you are a dipshit who gets every bit of garbage he spews from someone else. at least do your own research instead of garbage copy and paste.

    your house could be on fire but if limbaugh tells you it isnt, youll sit there and burn

    you are a moron

  18. #18
    ms61853
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    Quote Originally Posted by ryanXL977 View Post
    you are a dipshit who gets every bit of garbage he spews from someone else. at least do your own research instead of garbage copy and paste.

    your house could be on fire but if limbaugh tells you it isnt, youll sit there and burn

    you are a moron
    Your eloquent use of the English language indicates you are an enlightened moonbat who should be taken seriously (snicker).

    Really, if you'd stop following me around like some kind of deranged villager brandshing pitchfork and torch, the threads would probably disappear on their own and not keep causing your left wing moonbat head to explode.

  19. #19
    reno cool
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    friends, we know both parties are basically one and the same. These guys are all best of friends. Why shouldn't they be? They all have nice jobs distributing public funds to their pals.
    My only hope is that Obama somehow accidentally shakes up more than what both parties bargained for. It can happen.

  20. #20
    ryanXL977
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    they arent the same
    you think we would be in iraq with al gore?

  21. #21
    picantel
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    Wow ryan you called called a moonbat. How can you even take such a serious insult like that?

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  22. #22
    ryanXL977
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    ill deal with it
    can ewe get this guy out of here
    all he does is post right wing garbage every single day
    he is clogging up our sports boards!

  23. #23
    englishmike
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    Quote Originally Posted by ryanXL977 View Post
    ill deal with it
    can ewe get this guy out of here
    all he does is post right wing garbage every single day
    he is clogging up our sports boards!
    lol Will you stop posting left wing garbage and clogging up the sports boards if he does?

  24. #24
    moneyline
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    If Al Gore was president, not only would we not be in Iraq, the earth would be exactly the right temperature ... much like Goldilock's porridge, not too hot and not too cold. True paradise.

    (too bad he wasn't able to win, even after following such a successful president)

  25. #25
    reno cool
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    Quote Originally Posted by ryanXL977 View Post
    they arent the same
    you think we would be in iraq with al gore?
    Unfortunately yes.

    The corporate agenda doesn't change, or at least it hasn't yet.

    Democrats are as responsible for constant war in the same way.

    Don't forget Kosovo, Bay of Pigs, Vietnam on and on.

    And unfortunately, you can already see Obama pushing for the bailout. Imagine any of these guys addressing the problem at the source. Bail out homeowners, by renegotiating loans. Instead they want to throw billions at banks and speculators who have already made fortunes. Nobody even knows how or if this will help.-----American political system in a nutshell.

  26. #26
    ryanXL977
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    i dont think al gore is the same as bush
    he would not have invaded iraq
    the reason the right went after clinton was 90% that he would not go into iraq. these neocons didnt just appear in 2000, theyve been around sicne the 1950s or so, they tried very hard to push clinton into iraq

  27. #27
    daggerkobe
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    Al Gore would not have allowed 8 months of urgent warnings of Al Qaeda attacking inside the US go unanswered, that I am sure of.

  28. #28
    losturmarbles
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    lol you guys are hilarious, maybe you should start a blog to lick al gore's ass. just tell him thanks for me for inventing the internet.
    otherwise i wouldnt be able to see how much your posts lack any substance at all.
    and ryan to be talking about coping and pasting, every time youre in one of these political threads, you are constantly posting the same asinine slogans i read at liberal blogs and hear on the radio.

  29. #29
    ryanXL977
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    give me some evidcne
    what liberal points, what radio? i dont listen to the radio, i watch baseball

    youre a moron


    ps. he never said he invited the internet
    nor did he invade iraq or allow 911 to happen, nor did he balloon the debt, or leak cia names.

  30. #30
    Willie Bee
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    Just about 36 years ago, a grand jury returned indictments on seven men for the Watergate scandal (Virgilio Gonzalez, Bernard Barker, James W. McCord, Eugenio Martinez, Frank Sturgis, Howard Hunt, and G. Gordon Liddy). Richard Nixon blamed the donkeys for this as well noting, "If they had just let me run for re-election unopposed, this would've never happened."

    Film at 11.

  31. #31
    BadNina
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    I'm sending Al Gore an invitation to my wedding

  32. #32
    ms61853
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    Quote Originally Posted by daggerkobe View Post
    Al Gore would not have allowed 8 months of urgent warnings of Al Qaeda attacking inside the US go unanswered, that I am sure of.
    utterly stupid

    There were no such specific warnings. There were vague references to hijackings or attacks but nobody anticipated they would use planes as missiles. No reports noted any times, places, or dates. There was nothing actionable

    Clinton/Gore did nothing after the 93 WTC attack.

    Yeah I remember Gore campaigning about how he was going to be tough on terrorism. /sarcasm

  33. #33
    ryanXL977
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    al queda determined to attack using airplanes

    pdb august 6th i think

    vague eh

    is startign a war to bankrup t america against a country that had nothing to do with terrorism considered "tough on terrorism"

    terrorism is made up, its no more of a problem than high gas prices

    we have 1000 things we need to fix, thats about 995 on the list

  34. #34
    daggerkobe
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    BUSH WAS WARNED BIN LADEN WANTED TO HIJACK PLANES

    By DAVID E. SANGER



    Published: May 16, 2002
    The White House said tonight that President Bush had been warned by American intelligence agencies in early August that Osama bin Laden was seeking to hijack aircraft but that the warnings did not contemplate the possibility that the hijackers would turn the planes into guided missiles for a terrorist attack.
    ''It is widely known that we had information that bin Laden wanted to attack the United States or United States interests abroad,'' Ari Fleischer, the president's press secretary, said this evening. ''The president was also provided information about bin Laden wanting to engage in hijacking in the traditional pre-9/11 sense, not for the use of suicide bombing, not for the use of an airplane as a missile.''

    Nonetheless the revelation by the White House, made in response to a report about the intelligence warning this evening on CBS News, is bound to fuel Congressional demands for a deeper investigation into why American intelligence agencies and the Federal Bureau of Investigation had failed to put together individual pieces of evidence that, in retrospect, now seem to suggest what was coming.

    In the past few days, government officials have acknowledged for the first time that an F.B.I. agent in Phoenix had urged the F.B.I. headquarters to investigate Middle Eastern men enrolled in American flight schools. That memorandum also cited Mr. bin Laden by name and suggested that his followers could use the schools to train for terror operations, officials who have seen the memorandum said.


    Report Warned Of Suicide Hijackings
    WASHINGTON, May 17, 2002




    (CBS) Two years before the Sept. 11 attacks, an analysis prepared for U.S. intelligence warned that Osama bin Laden's terrorists could hijack an airliner and fly it into government buildings like the Pentagon.

    "Suicide bomber(s) belonging to al Qaeda's Martyrdom Battalion could crash-land an aircraft packed with high explosives (C-4 and semtex) into the Pentagon, the headquarters of the Central Intelligence Agency (CIA), or the White House," the September 1999 report said.

    The Bush administration has asserted that no one in government had envisioned a suicide hijacking before it happened.


  35. #35
    losturmarbles
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    Quote Originally Posted by ryanXL977 View Post
    ...
    is startign a war to bankrup t america against a country that had nothing to do with terrorism considered "tough on terrorism"
    ...
    we have 1000 things we need to fix, thats about 995 on the list
    ... i agree, so why do you support obama?

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