How many of the people whose homes have been foreclosed on are people who could no longer make the payments because the bank chose to use their option to increase the interest on the mortgages? And of that number, how many would have been able to continue to pay the mortgage based on the lower interest rate? I ask because people keep complaining about the borrowers who failed to keep up with their payments and were consequently foreclosed on; but I wonder if our economic status would be a bit better if these banks had simply decided that some mortgage, at least for now, was better than none?
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