Persuasive Essay

519 words - 3 pages

Article Rebuttal
“Three banks singled out for not helping homeowners”

Article Rebuttal
Wells Fargo, Bank of America, and JPMorgan Chase are all banks that have been bailed out by the American taxpayer in order to make home affordability a reality. In an effort to assist homeowners, the Obama administration rolled out several Programs that would enable homeowners to modify their existing loans. The Department of Treasury and Housing and Urban Development created a program that would assist troubled homeowner during these challenging economic times. The Home Affordable Modification Program (HAMP) and the Home Affordable Refinance Program (HARP) were created to help modify and refinance loans that became unbearable to manage. The big three claim to have helped countless homeowners modify and refinance their current loans, yet ...view middle of the document...

The administration will withhold incentive payments to Wells Fargo, Bank of America and JPMorgan Chase & Co. which it says has don’t little work with homeowners to lower monthly mortgage payments through the governments Home Affordable Modification Plan, according to the Department of Housing and Urban Development’s and Treasury Departments housing scorecard
I believe that the article that I found to be reliable, creditable, and valid because the Department of Treasury and Housing and Urban Development (HUD) reported it in their official report. According to HUD and the Treasury Department’s monthly housing scorecard the number of permanent modifications fell to 28,867 in April from $36,432 in March. I am currently engaged with Bank of America to refinance my current mortgage. Bank of America has claimed to help thousands of homeowners refinance and modify their loans but have yet to give me a substantial reason why they disqualified my residence for consideration. An administrative error on the banks records disqualified me for refinance. The bank identified my residence as a planned unit instead of a condominium. All of my paperwork from the bank identifies my residence as a condominium but the banks computer system doesn’t. Due to that administrative error I have been found ineligible. The Treasury Department and 49 State attorneys general recently reached a $25 billion dollar agreement with the Five Largest Mortgage Servicers. This agreement holds the banks accountable for bad processes and provides relief to distressed homeowners. I did not find any logical fallacies in this argument.


DOJ. (2012). DOJ: Federal Government and State Attorneys General Reach $25 Billion Agreement with Five Largest Mortgage Servicers to Address Mortgage Loan Servicing and Foreclosure Abuses. Available:
Last accessed 1st Apr 2012.

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