In this time of crisis with american voter constituency regarding mortgage defaults, should fed punish lenders

Being that american mortgage holders are in a crisis and losing their homes, what level should the voters demand of their representatives that they require lenders to work with people who are losing their homes? Should lenders be rewarded if they work with mortgage holders and be punished if they do not. I think that people who feel this way should write their congressman about this issue and ask for help. An election year is coming up. Lets see change that helps all americans, and shows grace during this holiday season on home owners, and bless the scrogges who convert to helping their fellow man.

Lenders should only be punished if the borrowers are as well. Everyone who signed one of those mortgage agreements knew the rates would increase in time. The mortgage companies were banking on people's incomes improving over that same few years where they could manage the higher payments when they came. They were not luring folks into bad deals so they could take houses and resell them in a glutted market. I'm not prepared to defend or blame anyone on this. Hopefully Mortgage companies will find a way to salvage as many deals as they can. After all, it would be to their benefit to do so.

Is it legal for a mortgage lender to deny a loan to an American Citizen who was born an African.?

Based solely on the fact that she can't provide any other documentation to prove her citizenship other than SS card & driver's license?

As someone who has been in the business over 15 years this is the FIRST time I have seen a mortgage lender ask for this information to give a loan. All other loans have been closed with SS card & driver's license only.

Since my client has been a citizen for more than 20+ years she has no idea where her "certificate" of citizenship is packed and it would take weeks to get a new one. In the mean time she will lose the house she is trying to buy. She has never registered to vote so no voter card & she has never obtained a passport.

Do you think she has a case against this mortgage company for discrimination?

If you applied for loan, would they ask you to prove your citizenship? I would ask the lender that question directly. If they are treating your client any differently that they would treat you, that is a prima facie instance of discrimination.