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You'll gain real-world insights into how economics impacts your daily life with this easy-to-follow online course. This crash course is based on the acclaimed textbook Economy, Society, and Public Policy by CORE Econ, tailored to help you grasp key concepts without feeling overwhelmed.

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Dan Olson

Timeline of Faith Burns' decline into foreclosure

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Faith Burns
Faith Burns is in danger of losing her south Minneapolis home because of what her attorney calls a defective mortgage.
MPR Photo/Dan Olson

1995: Faith Burns and her family move into a south Minneapolis house they purchased for $33,000 from Project for Pride in Living, a Minneapolis-based nonprofit.

2003: Unlimited Funding Corp. files as a business with the Minnesota Secretary of State office.

Feb. 2005: Burns refinances with Unlimited Funding Corp. based in Bloomington, Minnesota for a $199,000 mortgage. Unlimited Funding sells Burns' mortgage to BNC, based in California.

May 2005: Faith Burns' mortgage is owned by an investment pool, and serviced by Chase Home Finance and Aurora, another Lehman Brothers subsidiary. The trustee for the investment pool is U.S. Bank.

July 2005: Burns receives communications from Chase, which now services her mortgage, telling her she is behind on her payments.

August 2007: Burns seeks help from a Twin Cities Habitat for Humanity foreclosure counselor. Habitat refers her to attorney Mark Ireland from the St. Paul-based nonprofit Housing Preservation Project.

Ireland concludes Burns has been sold what he calls a defective mortgage product, and files suit on her behalf naming five defendants -- Unlimited Funding, BNC, Chase, U.S. Bank and the pool of investors.

August 2007: Lehman Brothers closes its BNC subsidiary.

Fall 2007: Burns is behind on her monthly mortgage payments and Chase starts foreclosure process.

Nov. 6, 2007: Burns' house is auctioned at a Hennepin County sherriff's mortgage foreclosure sale. The bid by U.S. Bank is $209,000, to go toward paying off investors. Completion of the deal is dependent on what happens during the redemption period.

Late 2007: From the November sale, Burns has a six-month redemption period during which she can try to catch up on what she is alleged by the mortgage holders to owe them.

Early 2008: Unlimited Funding clears out its leased office space in Bloomington.

May 6, 2008: The end of the foreclosure redemption, during which Burns has a chance to catch up on her payments. Also the day she has been told she must move out of her home.

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Faith Burns
Faith Burns is in danger of losing her south Minneapolis home because of what her attorney calls a defective mortgage.
MPR Photo/Dan Olson
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