loan foreclosure bond debt credit collateral repossession house security repayment securitization interest bank bankruptcy lending encumbrance owe borrowing loans lenders subprime borrowers housing financing insurance defaults property refinancing banking homeowners delinquencies underwriting securities fha lender delinquent payment sharia pay financial tax repay home fund pledge annuity amortization foreclose homebuilder creditor insolvency land mortgages easement banks refinance savings hedge bonds payments pension fannie borrower asset investments funds rates debts default foreclosures equity amortize corporate brokers estate unsecured mortgagee firms assets aig surety stearns building insured citigroup bailout cash investors swaps investment premiums debtors freddie repayments lien issuers buyout bankers liquidity investor