What made the loans so dangerous was that most borrowers. She continued making the mortgage payments as the loan changed banks through acquisitions: from Oakland’s World Savings Bank to Wachovia to.

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Adjustable-rate 5-year mortgages have also seen an increase, with 3.19 percent surging to 3.5 percent – the highest point since the middle of 2011. There is concern that an increased number of.

Take Oakland’s Fruitvale neighborhood. "These neighborhoods were denied access to credit because the federal government refused to guarantee mortgages and other loans that were being made in these.

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