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Thursday, March 12, 2009

Mortgage Investors Grumble Over Obama Plan

From Realtor Magazine Online, Daily Real Estate News March 12, 2009

Investors in mortgages are squawking over President Barack Obama’s $75 billion plan to stabilize the housing market and reduce foreclosures.

They say elements of it are unfair to them and some are threatening suit. "Investors are given rights through the contracts in the securities, and we expect those rights to be honored," said Jeffrey Gundlach, chief investment officer of TCW Group Inc., which manages about $52 billion in residential mortgage-backed securities.

Investors are particularly critical of any effort that allows people who lied on their initial application to get help, and they dislike plans that rewrite first mortgages but leave second mortgages untouched. About half of delinquent subprime borrowers also have a second loan, according to Credit Suisse Group. They say reworking the first mortgage gives the holder of the second an unfair advantage since second mortgages are supposed to be junior to the first. Under the plan, critics, say, second mortgages may be repaid earlier.

Source: The Wall Street Journal, Ruth Simon (03/12/2009)

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