{"id":5737,"date":"2016-12-06T06:32:13","date_gmt":"2016-12-06T11:32:13","guid":{"rendered":"http:\/\/homeadditionplus.com\/dev\/?page_id=5737"},"modified":"2017-05-18T18:06:53","modified_gmt":"2017-05-18T23:06:53","slug":"end-the-days-of-home-slavery","status":"publish","type":"page","link":"https:\/\/homeadditionplus.com\/dev\/real-estate\/end-the-days-of-home-slavery\/","title":{"rendered":"End the Days of Home Slavery"},"content":{"rendered":"<h4><span style=\"color: #008000;\"><strong>Reinstituting the 28-36 Mortgage Rule would help Repair a Broken Housing Market<\/strong><\/span><\/h4>\n<p>By Mark J. Donovan<br \/>\n<script type=\"text\/javascript\"><!-- google_ad_client = \"pub-3988490936633155\"; \/* Homepage_Home_Improvement_468x15_ATF, created 8\/13\/10 *\/ google_ad_slot = \"6539705898\"; google_ad_width = 468; google_ad_height = 15; \/\/-->\n<\/script><br \/>\n<script type=\"text\/javascript\" src=\"http:\/\/pagead2.googlesyndication.com\/pagead\/show_ads.js\">\n<\/script><\/p>\n<div class=\"KonaBody\">\n<table style=\"width: 100%;\">\n<tbody>\n<tr>\n<td width=\"50%\">\n<p align=\"center\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script><br \/>\n<!-- New_300x250_051317 --><br \/>\n<ins class=\"adsbygoogle\"\n     style=\"display:inline-block;width:300px;height:250px\"\n     data-ad-client=\"ca-pub-3988490936633155\"\n     data-ad-slot=\"4202793463\"><\/ins><br \/>\n<script>\n(adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n<\/p>\n<\/td>\n<td width=\"1%\"><\/td>\n<td style=\"text-align: left;\" width=\"49%\">When my wife and I were looking to buy our first home back in the mid 80\u2019s, there was a very simple lending rule that we became quickly aware of. It was known then as the 28-36 mortgage rule. Simply put, this rule specified that no more than 28% of a household\u2019s gross income could be used on housing costs (including mortgage payments, property taxes and insurances), and that the total indebtedness of the household could not exceed 36% to qualify for a housing mortgage.<\/p>\n<p>Unfortunately somewhere along the way the 28-36 mortgage rule became viewed as old-school and \u201cmean-spirited\u201d.\u00a0In an attempt to emulate the character George Bailey from \u201cIt\u2019s a Wonderful Life\u201d our government decided that everyone should be able to own a home regardless if they could afford one or not.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Though this might be viewed as a progressive and magnanimous goal by some, it could also be interpreted as one of the most na\u00efve or devious decisions of all time by our government. By eliminating the 28-36 mortgage rule many well intentioned homeowners have become prisoners and slaves to their homes. And for an increasingly large number of homeowners the elimination of the 28-36 mortgage rule has led to bankruptcy and destroyed families.<\/p>\n<table style=\"width: 100%;\">\n<tbody>\n<tr>\n<td style=\"text-align: left;\" width=\"50%\">Over the past few years we have watched home bankruptcies soar, and trillions of tax dollars spent by our government bailing out banks and other financial institutions tied to the residential real estate industry. The rapid rise and collapse of the housing market could have been avoided if the mortgage lending disciplines of the past, such as the 28-36 mortgage rule had not been tossed out.<\/p>\n<p>Eliminating the 28-36 mortgage rule not only allowed people to buy homes that shouldn\u2019t have, it also allowed homeowners to buy more than they could afford.<\/td>\n<td width=\"1%\"><\/td>\n<td style=\"text-align: center;\" width=\"49%\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-5738\" src=\"http:\/\/homeadditionplus.com\/dev\/wp-content\/uploads\/2016\/12\/Home_Mortgages-300x225.jpg\" alt=\"Home mortgages.\" width=\"279\" height=\"209\" srcset=\"https:\/\/homeadditionplus.com\/dev\/wp-content\/uploads\/2016\/12\/Home_Mortgages-300x225.jpg 300w, https:\/\/homeadditionplus.com\/dev\/wp-content\/uploads\/2016\/12\/Home_Mortgages.jpg 640w\" sizes=\"auto, (max-width: 279px) 100vw, 279px\" \/><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>What is even more mind blowing, is that the process goes on today unabated. Turn on any home real estate TV show today and you will see first time 20 something home buyers specifying kitchen granite countertops and bathroom Jacuzzi tubs for their housing requirements. Even more outrageous is the fact that frequently they have no money to put down on the homes. Where are the days when first time homebuyers bought the \u201cstarter home\u201d or unfinished home? Even in the government\u2019s VA loan program, they are still offering $300K jumbo loans with no money down for first time homeowners that are qualified veterans.<\/p>\n<table style=\"width: 100%;\">\n<tbody>\n<tr>\n<td style=\"text-align: left;\" width=\"50%\">It is obvious the banking industry and government won\u2019t clean up the housing market on their own. Printing money to effectively reward the loan mortgage industry executives will only perpetuate the housing problem. Apparently the government still thinks it\u2019s just too \u201cMr. Potter\u201d like to reinstitute rules such as the 28-36 mortgage rule and actually require deposits when buying homes.<\/p>\n<p>As current and future homeowners, however, we can each do something about it. We can be more responsible for ourselves in setting our own financial housing cost limits and by following the mortgage rules of the past. By doing so, we can accomplish multiple things. We can end the days of home slavery, where we can have some discretionary income left over in our paychecks to enjoy the other things in life besides \u201cowning\u201d a home.<\/td>\n<td width=\"1%\"><\/td>\n<td style=\"text-align: center;\" width=\"49%\"><a href=\"http:\/\/homeadditionplus.com\/dev\/home_addition_bid_sheets\/new-home-construction-bid-sheet\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1294 size-medium\" src=\"http:\/\/homeadditionplus.com\/dev\/wp-content\/uploads\/2016\/09\/New-Home-Construction-Bid-Sheet-218x300.jpg\" alt=\"New Home Construction Bid Sheet\" width=\"218\" height=\"300\" srcset=\"https:\/\/homeadditionplus.com\/dev\/wp-content\/uploads\/2016\/09\/New-Home-Construction-Bid-Sheet-218x300.jpg 218w, https:\/\/homeadditionplus.com\/dev\/wp-content\/uploads\/2016\/09\/New-Home-Construction-Bid-Sheet-768x1056.jpg 768w, https:\/\/homeadditionplus.com\/dev\/wp-content\/uploads\/2016\/09\/New-Home-Construction-Bid-Sheet-745x1024.jpg 745w, https:\/\/homeadditionplus.com\/dev\/wp-content\/uploads\/2016\/09\/New-Home-Construction-Bid-Sheet.jpg 1200w\" sizes=\"auto, (max-width: 218px) 100vw, 218px\" \/><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>We can reduce the family stresses that come with high financial indebtedness. \u00a0And finally, we can demonstrate personal and civic responsibility to our government by living within our means again. Maybe by setting an example, we can begin to change the way our government thinks and operates.<\/p>\n<\/div>\n<hr \/>\n<p><span style=\"color: #008000; font-size: large;\"><strong>For help on building a home addition<\/strong><\/span>, see HomeAdditionPlus.com&#8217;s <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" title=\"Home Addition Bid Sheets\" href=\"http:\/\/homeadditionplus.com\/dev\/home_addition_bid_sheets\/\">Home Addition Bid Sheets<\/a><\/span><\/strong>. Our Home Addition Bid Sheets provide you with the knowledge and information on how to plan a home addition project, and what to look for when hiring contractors. They also include detailed cost breakdown tables and spreadsheets for estimating your own new home addition building costs.<\/p>\n<h3 align=\"left\"><span style=\"color: #008000; font-size: large;\"><b>Related\u00a0Information<\/b><\/span><\/h3>\n<ul>\n<li><span style=\"font-size: large; color: #0000ff;\"><b><a style=\"color: #0000ff;\" href=\"http:\/\/homeadditionplus.com\/dev\/real-estate\/pricing-your-house-to-sell\/\">How to Price Your House to Sell<\/a><\/b><\/span><\/li>\n<li><span style=\"font-size: large; color: #0000ff;\"><b><a style=\"color: #0000ff;\" href=\"http:\/\/homeadditionplus.com\/dev\/real-estate\/new-lake-home-purchase\/\">New Lake Home Purchase on the shores of Lake Winnipesaukee<\/a><\/b><\/span><\/li>\n<li><span style=\"color: #0000ff; font-size: large;\"><b><a style=\"color: #0000ff;\" href=\"http:\/\/homeadditionplus.com\/dev\/real-estate\/for-sale-by-owner-tips\/\">For Sale by Homeowner Tips<\/a><\/b><\/span><\/li>\n<\/ul>\n<hr \/>\n<h3><span style=\"color: #008000; font-size: large;\">Free Home Addition Price Quotes with No Obligation!<\/span><\/h3>\n<p>Fill out our 3-5 minute quick and easy form, and receive a free price quote\u00a0on a house addition from one of our prescreened and licensed home addition contractors. This process is free and there is no obligation to continue once you receive your house addition price estimate.<\/p>\n<p><iframe loading=\"lazy\" src=\"https:\/\/www.inforequests.com\/pub5x\/\/?allowRefNet=N&amp;layout=H&amp;PublisherSubID=Room_Addition_Bottom&amp;url=http:\/\/g.gaesy.com\/cgi\/r?;n=203;c=622397;s=4383;x=7936;f=201006161516140;u=j;z=TIMESTAMP;&amp;servicescheckbox=ROOM_ADDITIONS&amp;submit=submit\" width=\"660\" height=\"560\" frameborder=\"0\" scrolling=\"no\" data-mce-fragment=\"1\"><\/iframe><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reinstituting the 28-36 Mortgage Rule would help Repair a Broken Housing Market By Mark J. Donovan When my wife and I were looking to buy our first home back in the mid 80\u2019s, there was a very simple lending rule that we became quickly aware of. It was known then as the 28-36 mortgage rule. Simply put, this rule specified that no more than 28% of a household\u2019s gross income could be used on housing costs (including mortgage payments, property taxes and insurances), and that the total indebtedness of the&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2027,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-5737","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>End the Days of Home Slavery - HomeAdditionPlus.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/homeadditionplus.com\/dev\/real-estate\/end-the-days-of-home-slavery\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"End the Days of Home Slavery - HomeAdditionPlus.com\" \/>\n<meta property=\"og:description\" content=\"Reinstituting the 28-36 Mortgage Rule would help Repair a Broken Housing Market By Mark J. Donovan When my wife and I were looking to buy our first home back in the mid 80\u2019s, there was a very simple lending rule that we became quickly aware of. It was known then as the 28-36 mortgage rule. 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