See this? This is for NON performing notes their selling . A home worth 94,000.00 is sold to the vultures ( usually hedge funds banks create) and they buy it for less than 5,000.00 . So anything over that , through the TARP program or you working a deal that they will decline 6 months down the road , they have already made a profit on your note and will get full price after when foreclosing and selling it at full price. Who says being a crook in America doesn't pay!