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<p>[QUOTE=&quot;Garlicus, post: 3099119, member: 73190&quot;]As it should be. I looked into a lot of foreclosures that happened around here, and most, if not all, had cash-out refi&#039;s or HELOCs that were ridiculous. People used their homes as ATMs and bit off way more than they could chew, then cried when the bank wanted their money, which they were legally obligated to pay. I even saw one property that had NO mortgage (passed down in the family), but the owners took out a HELOC for as much as they could, then lost the house. No personal responsibility.[/QUOTE]</p><p><br /></p>

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