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Low Mortgage Delinquency Levels Stabilize Consumer Credit Market Strip Off: When Bankruptcy and a Second Mortgage Are an Opportunity for Florida Homeowners Gardening for Beginners – Footings To Finish Inspections Since the value of the home is less than the amount owed on the first mortgage the homeowner could strip off the second mortgage and never pay it again. If successful the homeowner would end up with a home that is still a bit underwater (only $10,000), but not the $110,000 he or she was underwater before filing bankruptcy.personal loan average consumer balance will rise, while delinquency rates will remain low. Delinquency levels will remain lower than the average fourth quarter reading of 4.18% (2009-2015). As additional prime and above consumers take on personal loans, the risk distribution of this market has shifted.

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