It's predatory lending. They are making bad loans on purpose in order to foreclose on the properties down the road. Countrywide did this on a regular basis prior to the 2008 crash, and BofA bought Countrywide -- and all their foreclosed upon homes -- after the crash. Bof A has come up with a clever PR scheme to hide the real intent behind these bad loans. By the time the DOJ puts a stop to it, hundreds of thousands of people will have been suckered into bad loans and lose their homes.