{"id":14531,"date":"2011-05-05T09:20:35","date_gmt":"2011-05-05T16:20:35","guid":{"rendered":"http:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/?p=14531"},"modified":"2011-05-05T09:20:35","modified_gmt":"2011-05-05T16:20:35","slug":"repeal-the-patriot-act-bin-ladens-dead","status":"publish","type":"post","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/14531\/repeal-the-patriot-act-bin-ladens-dead\/","title":{"rendered":"Repeal The PATRIOT Act. Bin-Laden’s Dead."},"content":{"rendered":"

STARDATE:\u00a0 22 February 2002<\/p>\n

Borrower:\u00a0 Why do you need my driver’s license to secure me a mortgage?<\/p>\n

Brady:\u00a0 I’m required to by the new law, the USA P.A.T.R.I.O.T. Act.\u00a0 We mortgage originators have been enlisted in the GWOT, as the first line of defense.\u00a0 I’m proud to do my part to help protect America and hunt down Osama bin-Laden.<\/em><\/p>\n

Borrower:\u00a0 That’s jacked up.\u00a0 Did you know the PATRIOT Act also allows the FBI to execute it’s own warrants, tap your phone, read your email, intercept your written correspondence, and instruct your banks to not inform you that they are spying on you?<\/p>\n

Brady:\u00a0 You don’t have to be an agitator. I’m just doing my part.\u00a0 In fact, the President said it not only is it our duty to protect the Homeland against marauding borrowers, he wants us to lend you more money… to get the economy moving, you see<\/em>.<\/p>\n

Borrower:\u00a0 So..I can borrow ABOVE the value of my home?<\/p>\n

Brady:\u00a0 Absolutely.\u00a0 It’s your patriotic duty.<\/em><\/p>\n

Borrower:\u00a0 Heil, baby<\/a>.\u00a0 Where do I sign up?<\/p><\/blockquote>\n

Geronimo is down<\/a>.\u00a0 Repeal the PATRIOT Act.\u00a0 I know that freedom ain’t free but I now know tyranny can come disguised as tuxedo-clad theater goers.<\/p>\n","protected":false},"excerpt":{"rendered":"

STARDATE:\u00a0 22 February 2002 Borrower:\u00a0 Why do you need my driver’s license to secure me a mortgage? Brady:\u00a0 I’m required to by the new law, the USA P.A.T.R.I.O.T. Act.\u00a0 We mortgage originators have been enlisted in the GWOT, as the first line of defense.\u00a0 I’m proud to do my part to help protect America and […]<\/p>\n","protected":false},"author":15,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[26],"tags":[],"class_list":{"0":"post-14531","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"hentry","6":"category-lending","8":"no-featured-image"},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":12260,"url":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/12260\/how-mortgage-originators-will-be-compensated-by-borrowers-under-the-financial-regulatory-reform-act-of-2010\/","url_meta":{"origin":14531,"position":0},"title":"How Mortgage Originators Will Be Compensated By Borrowers Under The Financial Regulatory Reform Act of 2010","author":"Brian Brady","date":"June 14, 2010","format":false,"excerpt":"Want to \"finance your closing costs\" but are confused about the disparity in offered mortgage rates?\u00a0 You might have to thank the Financial Regulatory Reform Act of 2010 (H.R. 4173) for limiting your ability to structure your loan fees.\u00a0 Read pp 1486- 1490, specifically Section 9903 of the Bill; Prohibition\u2026","rel":"","context":"In "Real Estate"","block_context":{"text":"Real Estate","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/category\/real-estate\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":16638,"url":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/16638\/va-interest-rate-reduction-loans-irrl-and-forebearances\/","url_meta":{"origin":14531,"position":1},"title":"VA Interest Rate Reduction Loans (IRRL) and Forbearances","author":"Brian Brady","date":"August 21, 2020","format":false,"excerpt":"A VA Interest Rate Reduction Loan (IRRL) is a streamlined refinance mortgage which allows veterans to lower their interest rate and payment without an appraisal, income qualification, or assets documentation.\u00a0 It is a simple process which, over the years, has been subject to lender overlays but still offers veterans a\u2026","rel":"","context":"In "Lending"","block_context":{"text":"Lending","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/category\/lending\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":1619,"url":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/1619\/hard-money-it-aint-stupid-money\/","url_meta":{"origin":14531,"position":2},"title":"HARD MONEY: It Ain’t STUPID Money","author":"Brian Brady","date":"July 2, 2007","format":false,"excerpt":"Hard money is not stupid money. Pragmatic underwriting guidelines are followed so as to insure the principle that the private mortgage really is a temporary loan, designed to solve rather than to perpetuate the underlying problem. I attempted to define this niche in one of my first posts on Bloodhound\u2026","rel":"","context":"In "Real Estate"","block_context":{"text":"Real Estate","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/category\/real-estate\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":2200,"url":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/2200\/hr-3915-open-letter-to-senator-dodd-from-a-veteran-mortgage-originator\/","url_meta":{"origin":14531,"position":3},"title":"HR 3915: Open Letter to Senator Dodd from a Veteran Mortgage Originator","author":"Brian Brady","date":"November 10, 2007","format":false,"excerpt":"The Hon. Senator Christopher Dodd Chairman- US Senate Committee on Banking, Housing, and Urban Affairs 534 Dirksen Senate Office Building Washington, D.C. 20510 Dear Chairman Dodd: Soon, HR 3915 will be endorsed by the House of Representatives and most likely referred to the Senate. The committee you chair, will have\u2026","rel":"","context":"In "Enduring Interest"","block_context":{"text":"Enduring Interest","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/category\/enduring-interest\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":2831,"url":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/2831\/the-real-estate-bailout-act-of-2008\/","url_meta":{"origin":14531,"position":4},"title":"The Real Estate Bailout Act of 2008","author":"Brian Brady","date":"March 24, 2008","format":false,"excerpt":"When successful financiers achieve a certain level of success, they up the ante and practice social engineering. Robert Rubin, Jon Corzine, and Hank Paulson\u00a0 advanced to government service after piling up the pesos at Goldman Sachs (in financial circles, we say those two words with hushed reverence). After decades of\u2026","rel":"","context":"In "Lending"","block_context":{"text":"Lending","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/category\/lending\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":1747,"url":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/1747\/the-mortgage-tax-act-of-2007\/","url_meta":{"origin":14531,"position":5},"title":"The Mortgage Tax Act of 2007","author":"Brian Brady","date":"August 5, 2007","format":false,"excerpt":"Michael Cook did an excellent job explaining the two noteworthy debacles of last week. American Home Mortgage went belly up and Bear Stearns may be downgraded to a negative rating. Thursday afternoon, Angelo Mozilo of Countrywide Financial, did his best Nero impression by muttering two words to analysts; \"Don't Worry\".\u2026","rel":"","context":"In "Group Therapy"","block_context":{"text":"Group Therapy","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/category\/group-therapy\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/posts\/14531","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/comments?post=14531"}],"version-history":[{"count":5,"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/posts\/14531\/revisions"}],"predecessor-version":[{"id":14536,"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/posts\/14531\/revisions\/14536"}],"wp:attachment":[{"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/media?parent=14531"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/categories?post=14531"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/tags?post=14531"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}