I dont understand...

Wow, that could be the title of a very lengthy post couldnt it? Cause there are so many things I dont understand.

But right now it is finances - financial institutions especially. You have a couple who have paid their mortgage monthly and they come to you with an issue. The issue being that they are being relocated because of their job - hey, a couple who both are employed! What a concept!
And what they would like to do is the responsible thing - they would like to rent their house - keep making their mortgage payments! Another unusual consept in this day and age - they have accepted responsibility and want to keep up with it. All they are asking for is a little help - to refinance so that they can make the house payments with the rent payment and yet still have a little extra money put aside for when/if the house needs something done to it.

Whew....dont know if I can handle this type of responsibility. I dont see much of it around me any more. People deciding not to meet their obligations and just walking away from the debt that they occured willingly.....and here is a couple who is embracing it but saying - can you help me out.

And guess what - you got it - they are turned down...
Why?
Well, let's see...
1. Because even tho both people are employed by a company who is not only continuing thier employment but also promoting one....they cant help them because they are NOT employeed by the military.....
2. They also cannot help them because they are NOT in financial hardship.....even tho helping them out could PREVENT hardship and yet be beneficial for the bank cause they will still be collecting monthly payments.....you know those payments, when they are strungout over a length of time and the bank walks away with 4 times what the original amount was....

So instead of rewarding RESPONSIBILITY the banks are rewarding those who chose NOT to accept responisbility....oh yeah, so sorry, you dont want to make those payments any more, ok....we'll just rack up one more mortgage loan loss to our account...add one more empty house to the area...decrease property tax income to the area...and hey - dont worry about it, you can EASILY get another mortgage in just months to years - WITHOUT EVER LEARNING A LESSON about it.....

But you want to keep that house out of the market? You want the area still to be able to collect property taxes? You want the bank to still collect monthly payments on a loan they gave you? Well, folks, basically, you are f**ked.

Like I said, I just dont understand finances...