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Community Solutions for the Prevention of and Management of Foreclosures

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Community Solutions for the Prevention of and Management of Foreclosures COMMUNITY SOLUTIONS FOR THE PREVENTION OF AND MANAGEMENT OF FORECLOSURES FIELD HEARING BEFORE THE SUBCOMMITTEE ON HOUSING AND COMMUNITY OPPORTUNITY OF THE COMMITTEE ON FINANCIAL SERVICES U.S. HOUSE OF REPRESENTATIVES ONE HUNDRED NINTH CONGRESS SECOND SESSION AUGUST 23, 2006 Printed for the use of the Committee on Financial Services Serial No. 109–116 ( VerDate 0ct 09 2002 16:59 Mar 16, 2007 Jkt 031545 PO 00000 Frm 00001 Fmt 6011 Sfmt 6011 K:\DOCS\31545.TXT HFIN PsN: TERRIE COMMUNITY SOLUTIONS FOR THE PREVENTION OF AND MANAGEMENT OF FORECLOSURES VerDate 0ct 09 2002 16:59 Mar 16, 2007 Jkt 031545 PO 00000 Frm 00002 Fmt 6019 Sfmt 6019 K:\DOCS\31545.TXT HFIN PsN: TERRIE COMMUNITY SOLUTIONS FOR THE PREVENTION OF AND MANAGEMENT OF FORECLOSURES FIELD HEARING BEFORE THE SUBCOMMITTEE ON HOUSING AND COMMUNITY OPPORTUNITY OF THE COMMITTEE ON FINANCIAL SERVICES U.S. HOUSE OF REPRESENTATIVES ONE HUNDRED NINTH CONGRESS SECOND SESSION AUGUST 23, 2006 Printed for the use of the Committee on Financial Services Serial No. 109–116 ( U.S. GOVERNMENT PRINTING OFFICE 31–545 PDF WASHINGTON : 2007 For sale by the Superintendent of Documents, U.S. Government Printing Office Internet: bookstore.gpo.gov Phone: toll free (866) 512–1800; DC area (202) 512–1800 Fax: (202) 512–2250 Mail: Stop SSOP, Washington, DC 20402–0001 VerDate 0ct 09 2002 16:59 Mar 16, 2007 Jkt 031545 PO 00000 Frm 00003 Fmt 5011 Sfmt 5011 K:\DOCS\31545.TXT HFIN PsN: TERRIE HOUSE COMMITTEE ON FINANCIAL SERVICES MICHAEL G. OXLEY, Ohio, Chairman JAMES A. LEACH, Iowa BARNEY FRANK, Massachusetts RICHARD H. BAKER, Louisiana PAUL E. KANJORSKI, Pennsylvania DEBORAH PRYCE, Ohio MAXINE WATERS, California SPENCER BACHUS, Alabama CAROLYN B. MALONEY, New York MICHAEL N. CASTLE, Delaware LUIS V. GUTIERREZ, Illinois EDWARD R. ROYCE, California NYDIA M. VELA´ ZQUEZ, New York FRANK D. LUCAS, Oklahoma MELVIN L. WATT, North Carolina ROBERT W. NEY, Ohio GARY L. ACKERMAN, New York SUE W. KELLY, New York, Vice Chair DARLENE HOOLEY, Oregon RON PAUL, Texas JULIA CARSON, Indiana PAUL E. GILLMOR, Ohio BRAD SHERMAN, California JIM RYUN, Kansas GREGORY W. MEEKS, New York STEVEN C. LATOURETTE, Ohio BARBARA LEE, California DONALD A. MANZULLO, Illinois DENNIS MOORE, Kansas WALTER B. JONES, JR., North Carolina MICHAEL E. CAPUANO, Massachusetts JUDY BIGGERT, Illinois HAROLD E. FORD, JR., Tennessee CHRISTOPHER SHAYS, Connecticut RUBE´ N HINOJOSA, Texas VITO FOSSELLA, New York JOSEPH CROWLEY, New York GARY G. MILLER, California WM. LACY CLAY, Missouri PATRICK J. TIBERI, Ohio STEVE ISRAEL, New York MARK R. KENNEDY, Minnesota CAROLYN MCCARTHY, New York TOM FEENEY, Florida JOE BACA, California JEB HENSARLING, Texas JIM MATHESON, Utah SCOTT GARRETT, New Jersey STEPHEN F. LYNCH, Massachusetts GINNY BROWN-WAITE, Florida BRAD MILLER, North Carolina J. GRESHAM BARRETT, South Carolina DAVID SCOTT, Georgia KATHERINE HARRIS, Florida ARTUR DAVIS, Alabama RICK RENZI, Arizona AL GREEN, Texas JIM GERLACH, Pennsylvania EMANUEL CLEAVER, Missouri STEVAN PEARCE, New Mexico MELISSA L. BEAN, Illinois RANDY NEUGEBAUER, Texas DEBBIE WASSERMAN SCHULTZ, Florida TOM PRICE, Georgia GWEN MOORE, Wisconsin, MICHAEL G. FITZPATRICK, Pennsylvania GEOFF DAVIS, Kentucky BERNARD SANDERS, Vermont PATRICK T. MCHENRY, North Carolina CAMPBELL, JOHN, California Robert U. Foster, III, Staff Director (II) VerDate 0ct 09 2002 16:59 Mar 16, 2007 Jkt 031545 PO 00000 Frm 00004 Fmt 5904 Sfmt 5904 K:\DOCS\31545.TXT HFIN PsN: TERRIE SUBCOMMITTEE ON HOUSING AND COMMUNITY OPPORTUNITY ROBERT W. NEY, Ohio, Chairman GARY G. MILLER, California, Vice Chairman MAXINE WATERS, California RICHARD H. BAKER, Louisiana NYDIA M. VELA´ ZQUEZ, New York WALTER B. JONES, JR., North Carolina JULIA CARSON, Indiana CHRISTOPHER SHAYS, Connecticut BARBARA LEE, California PATRICK J. TIBERI, Ohio MICHAEL E. CAPUANO, Massachusetts GINNY BROWN-WAITE, Florida BERNARD SANDERS, Vermont KATHERINE HARRIS, Florida STEPHEN F. LYNCH, Massachusetts RICK RENZI, Arizona BRAD MILLER, North Carolina STEVAN, PEARCE, New Mexico DAVID SCOTT, Georgia RANDY NEUGEBAUER, Texas ARTUR DAVIS, Alabama MICHAEL G. FITZPATRICK, Pennsylvania EMANUEL CLEAVER, Missouri GEOFF DAVIS, Kentucky AL GREEN, Texas CAMPBELL, JOHN, California BARNEY FRANK, Massachusetts MICHAEL G. OXLEY, Ohio (III) VerDate 0ct 09 2002 16:59 Mar 16, 2007 Jkt 031545 PO 00000 Frm 00005 Fmt 5904 Sfmt 5904 K:\DOCS\31545.TXT HFIN PsN: TERRIE VerDate 0ct 09 2002 16:59 Mar 16, 2007 Jkt 031545 PO 00000 Frm 00006 Fmt 5904 Sfmt 5904 K:\DOCS\31545.TXT HFIN PsN: TERRIE C O N T E N T S Page Hearing held on: August 23, 2006 ................................................................................................ 1 Appendix: August 23, 2006 ................................................................................................ 35 WITNESSES WEDNESDAY, AUGUST 23, 2006 Fratantoni, Michael, Senior Director, Single-Family Research and Economics, Mortgage Bankers Association ............................................................................ 17 Oakley, Deborah, Senior Vice President, National City Bank ............................. 20 Randolph, Vanessa, Director, Fannie Mae’s Northern Ohio Community Busi- ness Center ........................................................................................................... 21 Rush, Daryl P., Director, Department of Community Development ................... 6 Tisler, Lou, Executive Director, Neighborhood Housing Services of Greater Cleveland .............................................................................................................. 23 Wiseman, Mark, Director, Cuyahoga County Foreclosure Prevention Program 8 Wolfe, Bryan, Vice President, Ohio Farmers Union ............................................. 25 APPENDIX Prepared statements: Kucinich, Hon. Dennis J. ........................................................................................ 36 LaTourette, Hon. Steven C. .................................................................................... 37 Jones, Hon. Stephanie Tubbs ................................................................................. 41 Fratantoni, Michael ................................................................................................. 49 Oakley, Deborah ...................................................................................................... 73 Randolph, Vanessa .................................................................................................. 82 Rush, Daryl P., with inserts ................................................................................... 88 Foreclosure Identification and Prevention ..................................................... 190 A Report From Policy Matters Ohio 2004 ...................................................... 205 Building a New Framework for Community Development in Weak Mar- ket Cities ....................................................................................................... 231 Cleveland Mortgage Bulletin 2006 .................................................................. 261 Tisler, Lou, ............................................................................................................... 98 Wiseman, Mark, with inserts ................................................................................. 107 Foreclosure Prevention Program ..................................................................... 122 Chart depicting Ohio Foreclosure Filings ....................................................... 126 Chart depicting a Broken Mortgage Market .................................................. 127 A Report From Policy Matters Ohio 2006 ...................................................... 128 Unfair Lending: The Effect of Race and Ethnicity on the Price of Subprime Mortgages, by Center for Responsible Lending ........................ 138 Wolfe, Bryan ............................................................................................................. 145 (V) VerDate 0ct 09 2002 16:59 Mar 16, 2007 Jkt 031545 PO 00000 Frm 00007 Fmt 5904 Sfmt 5904 K:\DOCS\31545.TXT HFIN PsN: TERRIE VI Page ADDITIONAL MATERIAL SUBMITTED FOR THE RECORD Vacant Houses in Garfield Heights ................................................................ 147 Combating Problems of Vacant Houses .......................................................... 160 Statement of Mayor David S. Pocek, City of Bedford, Ohio ......................... 177 Letter from Judge Raymond L. Pianka, Housing Division, Cleveland Mu- nicipal Court .................................................................................................. 178 Foreclosure Prevention Summary, January to July 2006 ............................. 182 Banks Warrant Capias List, July 31, 2006 .................................................... 185 Statement of Anne M. Juterbock representing the Department of Con- sumer Affairs of the City of Cleveland ........................................................ 187 VerDate 0ct 09 2002 16:59 Mar 16, 2007 Jkt 031545 PO 00000 Frm 00008 Fmt 5904 Sfmt 5904 K:\DOCS\31545.TXT HFIN PsN: TERRIE COMMUNITY SOLUTIONS FOR THE PREVENTION OF AND MANAGEMENT OF FORECLOSURES Wednesday, August 23, 2006 U.S. HOUSE OF REPRESENTATIVES, SUBCOMMITTEE ON HOUSING AND COMMUNITY OPPORTUNITY, COMMITTEE ON FINANCIAL SERVICES, Washington, D.C. The subcommittee met, pursuant to notice, at 10 a.m., at the Super Conference Room, Cuyahoga County Community College, Corporate College Eastern Campus, 4400 Richmond Road, Warrensville Heights, Ohio, Hon. Steven C. LaTourette,
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