There is a very serious concern in the United States and even in other countries around the world concerning predatory mortgage rates lending. The concern is that many lenders and mortgage rates brokers are making use of legal loopholes to get more profit from debtors. The usual scenario is that loans with terms beyond the means of the debtor are given by the mortgage rates broker or creditor. Then after a few payments, the debtor is unable to make payments and is forced to default. At this point, the lender can recover the property and keep all the paid fees.