U.S. Bank exposed - HELOCs - Part 2 of 5
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If someone doesn't understand that a home equity LOC isn't linked to a home (thereby if you don't pay it back, you can lose your home...) they are an idiot. The whole idea behind a secured loan (whatever the product) is that if you don't pay, you lose the collateral. And no, US Bank doesn't go after your home if you are late for one month's payment.
2 years ago 5
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Wouldn't a HELOC be considered a 2nd Mortgage? The bank could not come and "take your house"!!! They have a 2nd lien which means the Bank could not "come and take your house" unless you defaulted on the 1st Mortgage. Instead of focusing on the bad. Think of how many people are helped everyday by these HELOC's and the people that use the money responsibly. Do you also Blame McDonalds for Obesity in America? Don't Blame the cook, blame the Person that ordered the Triple Big Mac with extra cheese!.
2 years ago 3
All Comments (49)
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Shut up dude! No one cares about your crap you loser!
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Someone didn't update my settlements that said payments are going through basicly USBANK wanted me to stay in debt !!!
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@leland1415 2nd liens can take your home. It has many options to do that through foreclosure. Be careful about giving false advice.
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@Psychmepsychout Whose dumb? Home loans can be recourse loans in many states and if you don't pay the loan, the bank can take your home on any lien attached to the home.
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@karlniachip US Bank can be quite sinister... Tiz true. And it goes way beyond check over-draft fees, and nickle-and-diming it's members, with this charge, and that charge. Their non-fiduciary practices are lacking of ethics, and rationale. They are the pit bulls of banks; All loving, and caring on minute, and vicious and heartless the next. I think I can probably safely say, that you do not have, nor ever had, any prolonged relationship with US Bank; As you would then be privy to it all
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@Psychmepsychout Trolling Trolling Trolling , just say ur point and keep it movin no need to bash
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WHen something bad happens to you ... you retaliate with bullshit! some truth but mostly bullshit!
jimenezjamz 4 months ago
@jimenezjamz Please elaborate.
jwerner79 4 months ago
You are bitter. I believe they fired you because you deserved it. Out with the rubbish.
karlniachip 7 months ago
@karlniachip It is a fact that US Bank commits crimes and breaks the law. They themselves have admitted it. But it's not just USB though; it's the general system of FDIC-member banks.
jwerner79 7 months ago
This is bullshit... NO bank can take a house since home loans are NON RECOURSE loans you dumbass. In northeast ohio, your cocaine problem is widely known.
Psychmepsychout 8 months ago
@Psychmepsychout Cocaine problem? Sick.
jwerner79 8 months ago