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10/20/2017 1:01:18 AM
9/22/2017 12:11:25 AM
Posted: 8/9/2005 12:22:56 AM EDT
There is some group that files legal complaints against illegals for a fee
they file against illegals mentioned in articles like this for free.........

THE NATION
Despite Illegal Status, Buyers Get Home Loans
Mortgage lenders are designing programs aimed at undocumented immigrants. Real estate agents also see a huge untapped market.

By Anna Gorman, Times Staff Writer
August 9, 2005
www.latimes.com/news/local/la-me-house9aug09,0,3282555.story?coll=la-home-headlines
Each week, Pedro Morlet knocks on doors in the Bay Area, looking for illegal immigrants.

Morlet isn't an immigration agent. He's a real estate agent, and he's scouting for business.

"Do you want a house, work and pay taxes but don't have a Social Security number?" reads his flier, written in Spanish and tailored to his potential customers. "We can help you LEGALLY!"

Across the country, particularly in Texas and parts of the Midwest, hundreds of illegal immigrants have bought homes using special lending programs that bypass the need for a Social Security number. Now, with backing from some of the country's largest financial institutions, this newest effort to tap customers for the real estate market is moving to the nation's largest concentration of illegal immigrants — California.

As buyers begin to queue up, real estate is becoming the latest arena to highlight the often-bizarre contradictions of American immigration policy.

Advocates of tighter controls on immigration oppose the idea of illegal residents buying homes here. Lending money to illegal immigrants encourages others to cross the border, they say.

"They have no right to own property in the United States because they have no right to be here in the first place," said Diana Hull, president of Californians for Population Stabilization.

Legally, that's not quite true. Unlike some countries — Mexico, for example — the United States generally does not restrict foreign citizens from buying real estate.

But for years, because qualifying for a mortgage required a Social Security number, the only way for an illegal immigrant to do so was by using a false number. In addition, such immigrants often were rejected or overlooked by legitimate lenders, leaving them vulnerable to fraud.

Lenders have a powerful incentive to find ways to get around those barriers: tens of thousands of potential customers. The National Assn. of Hispanic Real Estate Professionals estimates that more than 216,000 undocumented immigrants, including many who have been in the country for decades, could buy homes if they had better access to the market.

Despite their undocumented status, many prospective buyers earn steady incomes, face little risk of deportation and are desperate to become homeowners. Their purchases would amount to millions of dollars in mortgages.

"You have gainfully employed people who have been stuffing money in the mattress for a long time," said Mary Mancera, spokeswoman for the association. "There are quite a few who have been working and saving money and raising kids and going about their lives and want to achieve that next step, but haven't been able to because of the barriers."

Silvia Avalos, a hairstylist, and her husband, Jose Luis Avalos, a busboy, are among the people Mancera is talking about. They were tired of spending their money on rent each month but didn't want to use fake Social Security numbers to buy a home.

After friends told them they could buy legally, they found a two-bedroom condo northeast of San Francisco for $280,000. They moved in as soon as escrow closed.

"We saw it as an investment," Silvia Avalos said. "While you are here, you have somewhere to live that is yours. And if you return home [to Mexico], you can sell it."

Another prospective buyer, Aaron Sanchez, was pre-approved for a $200,000 loan after taking a class sponsored by ACORN, an advocacy group for the poor, on how to make offers and apply for mortgages. The 32-year-old illegal immigrant from Oaxaca, Mexico, has worked at the same furniture company in the San Gabriel Valley for 14 years. He wants each of his two children to have a room. It is a luxury, he knows, that will be hard to afford.

"I think I can find a house," Sanchez said, "but a small house."

The opportunity to get people like the Avalos and Sanchez families into the market begins with the IRS, which is happy to collect peoples' taxes, regardless of their immigration status.

Nearly a decade ago, the IRS began giving out Individual Taxpayer Identification Numbers so people without Social Security numbers could pay taxes. Since then, more than 8 million applicants have received numbers, and about 2 million are used annually on tax returns.

The IRS knows illegal immigrants are using the numbers to get mortgages.
Link Posted: 8/9/2005 2:17:19 AM EDT
[Last Edit: 8/9/2005 2:17:53 AM EDT by BulletBait]

Another prospective buyer, Aaron Sanchez, was pre-approved for a $200,000 loan

I'm a Native born citizen and I fucking have to BEG for a $150,000 loan?????
AAAHHHH!!! Sorry I woke up.
Hey, 22BAD. Nice avatar
Link Posted: 8/9/2005 2:32:43 AM EDT
Link Posted: 8/9/2005 2:36:37 AM EDT
Hell, at least now they'll have to pay Property Taxes.
Link Posted: 8/9/2005 2:46:13 AM EDT
Happening in MASS.

Whatever happened to fairness?
Link Posted: 8/9/2005 3:26:18 AM EDT

Originally Posted By 22bad:
Mortgage lenders are designing programs aimed at undocumented immigrants. Real estate agents also see a huge untapped market.



Reason #910 why America is going down the crapper!
Link Posted: 8/9/2005 3:49:02 AM EDT
Ok, so they contribute to the economy, put down ties in the community and pay school and property taxes...where's the problem?
Link Posted: 8/9/2005 3:57:43 AM EDT
TomJeff, Mcantu,

+1

Some of the crackers on this forum amaze me.

G
Link Posted: 8/9/2005 4:05:56 AM EDT
I have seen 2 loans written for "non-citizens", the mortgage guy insisted they were legal, but it really looked like blatent usury violations as far as interest and fees were concerned.
Link Posted: 8/9/2005 4:18:21 AM EDT
+1 on the illegal aliens paying taxes. Hey, they're not leaving anyway. Might as well get them to pay for all those friggin kids in school.

Of course, with all the tax breaks and cuts for owning a home, maybe this is all counterproductive...
Link Posted: 8/9/2005 4:29:41 AM EDT

Originally Posted By glock23carry:
TomJeff, Mcantu,

+1

Some of the crackers on this forum amaze me.

G



Your statement is an oxy moron! It amazes me that someone can refer to people on the forum as "crackers" and still be allowed to be on this forum.
Link Posted: 8/9/2005 4:40:40 AM EDT

Originally Posted By glock23carry:
TomJeff, Mcantu,

+1

Some of the crackers on this forum amaze me.



I'll remind you about your comment when your kids and grandkids are the minority and have NOTHING!
Link Posted: 8/9/2005 4:45:56 AM EDT

Originally Posted By glock23carry:
TomJeff, Mcantu,

+1

Some of the crackers on this forum amaze me.

G




"Cracker"? Say what? Isn't that a nice word . Can you say: racial slur? Well why don't we start using the "n"-word, then? How about some other ones which I am too much of a gentleman to mention?

Why is it OK to say cracker, but not (insert random racial slur here)?

Link Posted: 8/9/2005 5:35:11 AM EDT
Two of the homes on my street recently sold to several illegal immigrant families. There are at least 5 families living in each home and they have at least 15 cars parked on the street.
Link Posted: 8/9/2005 5:37:15 AM EDT

Originally Posted By mcantu:
Ok, so they contribute to the economy, put down ties in the community and pay school and property taxes...where's the problem?



That home becomes a forward base of operations for the hundreds of relatives waiting in Mexico to come here.
Link Posted: 8/9/2005 5:54:52 AM EDT

Originally Posted By 95thFoot:

Originally Posted By glock23carry:
TomJeff, Mcantu,

+1

Some of the crackers on this forum amaze me.

G




"Cracker"? Say what? Isn't that a nice word . Can you say: racial slur? Well why don't we start using the "n"-word, then? How about some other ones which I am too much of a gentleman to mention?

Why is it OK to say cracker, but not (insert random racial slur here)?




don't you know that only white people can be racist
Link Posted: 8/9/2005 6:04:37 AM EDT

Originally Posted By mcantu:
Ok, so they contribute to the economy, put down ties in the community and pay school and property taxes...where's the problem?



+1
Link Posted: 8/9/2005 6:46:53 AM EDT

Originally Posted By OFFascist:

Originally Posted By mcantu:
Ok, so they contribute to the economy, put down ties in the community and pay school and property taxes...where's the problem?



+1



The 11 to 40 million illegals living in the USA are artificially inflating the cost of housing for one thing.
Link Posted: 8/9/2005 7:01:50 AM EDT

Another prospective buyer, Aaron Sanchez, was pre-approved for a $200,000 loan

This is the part that really annoys me. I was with my great-great-niece and her husband last week when they were turned down for the second time for a home loan. They want to buy a brand-new nice house that happens to be in a bad neighborhood. It's only $65k because of the location. She makes $45k as a teacher and he makes $22k as an electrical engineer, so they make more in a year than the house costs. There's nothing negative on either of their credit reports, and they've each had the same job for over five years. I talked to my niece on the other side of the family who is a VP of one of the largest banks in the country, and even she couldn't get them the loan. I'm sure they'll find a loan, but it's annoying someone here illegally could get a loan for $200k.
Link Posted: 8/9/2005 7:20:12 AM EDT

Originally Posted By mcantu:
Ok, so they contribute to the economy, put down ties in the community and pay school and property taxes...where's the problem?



Income tax would be a start. Paying for medical insurance instead of running up my rates because they take their child to the ER for sniffles, while I wait a month for an appointment.....

And, what about the 5 other laborers living in the one mortgaged place? How many of them are contributing and not sending all of their money back to Mex. Of them, how many make more money, as the money goes 30% further being untaxed, than many of us, and since it is also under the table, are eligible for welfare and state paid medical insurance?

How many US citizens can purchase property in Mex?

How many illegals have car insurance?

Should we continue discussing the illegal immigrant and how he graciously contributes to our society, like legal residents do?
Link Posted: 8/9/2005 9:03:05 AM EDT
[Last Edit: 8/9/2005 9:18:43 AM EDT by glock23carry]

Originally Posted By TUMOR:

Originally Posted By glock23carry:
TomJeff, Mcantu,

+1

Some of the crackers on this forum amaze me.



I'll remind you about your comment when your kids and grandkids are the minority and have NOTHING!



I doubt it. How many Brits own homes in Florida? How many Americans own homes in France and Italy? Spain is full of non-resident, non-citizen owned property. My point is that people don't have to be citizens to own property in a country. Well, at least free market-based countries.

It is better that the families in question own property and pay taxes. Property ownership leads to higher participation in civic activities.

As for the family that makes $70K and can't get a loan, I say that example is either only part of the story or complete bullshit.

I am a proud cracker, thank you. It is not a bad thing, necessarily, to be one.

G
Link Posted: 8/9/2005 10:30:44 AM EDT

Originally Posted By zoom:

Another prospective buyer, Aaron Sanchez, was pre-approved for a $200,000 loan

This is the part that really annoys me. I was with my great-great-niece and her husband last week when they were turned down for the second time for a home loan. They want to buy a brand-new nice house that happens to be in a bad neighborhood. It's only $65k because of the location. She makes $45k as a teacher and he makes $22k as an electrical engineer, so they make more in a year than the house costs. There's nothing negative on either of their credit reports, and they've each had the same job for over five years. I talked to my niece on the other side of the family who is a VP of one of the largest banks in the country, and even she couldn't get them the loan. I'm sure they'll find a loan, but it's annoying someone here illegally could get a loan for $200k.



I smell something here, and it ain't flowers. Who the fuck won't give a couple who makes $67,000 a year a $65,000 loan? Something aint right here - time to find another bank. Hell, I qualify for a $140,000 loan on just MY income, which is lower than $67,000.
Link Posted: 8/9/2005 10:42:03 AM EDT
[Last Edit: 8/9/2005 10:42:47 AM EDT by TUMOR]

Originally Posted By glock23carry:

Originally Posted By TUMOR:
I'll remind you about your comment when your kids and grandkids are the minority and have NOTHING!



I doubt it. How many Brits own homes in Florida? How many Americans own homes in France and Italy? Spain is full of non-resident, non-citizen owned property. My point is that people don't have to be citizens to own property in a country.



Too bad we're not talking about the "average income" person.......we're talking peasant class people, let's be honest.

I wouldn't mind if "Pablo" wanted to come here LEGALLY as long as he brought $300,000 with him to buy a home or start a business. But it's the border jumpers who are here SUCKING from Uncle Sams tit while I'm FORCED to pay for it!
No, these hispanics aren't over here looking for a summer home or a vacation condo!
Link Posted: 8/9/2005 10:50:21 AM EDT

Originally Posted By glock23carry:

Originally Posted By TUMOR:

Originally Posted By glock23carry:
TomJeff, Mcantu,

+1

Some of the crackers on this forum amaze me.



I'll remind you about your comment when your kids and grandkids are the minority and have NOTHING!



I doubt it. How many Brits own homes in Florida? How many Americans own homes in France and Italy? Spain is full of non-resident, non-citizen owned property. My point is that people don't have to be citizens to own property in a country. Well, at least free market-based countries.



The vacation homes of wealthy world travelers has exactly what to do with federally insured lenders giving border jumping criminals home loans?
Link Posted: 8/9/2005 11:33:23 AM EDT
Here, I'll try to put in terms that perhaps you can grasp:

Issue 1) Apple - ownership of property regardless of country of origin

Issue 2) Orange - illegal entry and residence in a country

The article, as well as your arguments, are confusing two separate (one legal, one not) issues.

There, have Mommy make you some chocolate milk.

G
Link Posted: 8/9/2005 11:38:45 AM EDT
They god damned illegals are getting houseloans and I get fucking declined left and right.

No, I'm not fucking angry or anything.
Link Posted: 8/9/2005 1:01:37 PM EDT
Nothing to add here............
Link Posted: 8/9/2005 1:12:44 PM EDT

Originally Posted By glock23carry:

.....................I am a proud cracker, thank you. It is not a bad thing, necessarily, to be one.

G



That's the rule. Only a cracker can call another cracker a cracker. If a non-cracker calls a cracker a cracker, that would be against the CoC.
Link Posted: 8/9/2005 1:50:44 PM EDT
[Last Edit: 8/9/2005 1:50:44 PM EDT by The_Beer_Slayer]
racial slurs. how many times do we have to ask that sucj things NOT be quoted
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