LOVE, YOUR BROKEN HOME

TimMillerDotCom — May 14, 2010 — A little while back I listened to an interview on the radio involving predatory lending practices. On one side, they had a family on the verge of being homeless because of these predatory practices. On the other side, they interviewed a twenty something year old lender.

I know there are a lot of borrowers out there who were greedy and got burned because of it. This family, however, was not one of those borrowers.

Essentially, this family trusted the lender and was taken advantage of. The family was persuaded to "lock in" a variable rate loan because of its "favorable" terms. Because of the "favorable" terms, of course, the lender told the family they could borrow much more money than, in reality, the family should have.

The lender prospered by exploiting families like this - actually saying in the interview how he and buddies would fly to Vegas, go to the best clubs, etc. etc.

Not surprisingly, the family's home was foreclosed after their interest rate was "reset" according to the terms of the loan.

The interview had a profound effect on me and inspired me to write a song about this American tragedy.

I stopped by producer/engineer Chris Bell's place and we ran it down using his Canon 7D camera.

LOVE, YOUR BROKEN HOME
By: Tim Miller © 2010

VERSE 1:
I'M IN WITH AN AMERICAN WHORE
I LAID DOWN WHEN YOU SAID HEY SIR,
YOU COULD HAVE SO MUCH MORE
GOT ME RIGHT TO THE LINE
A GENTLE NUDGE BEGINS THE FALL
HEY, HOW COME YOU NEVER FELL AT ALL

CHORUS 1:
FOOLISH CHILD, I'M FEELING LIKE A FOOLISH CHILD
HOW YOU PUSHED ME ON, OH THE BULLY HAS A BLINDED PAWN
AND I, I I ...
I'M SEEING WHY YOU WERE SO FAST AND LOOSE FOR THE CLOSE
LOVE, YOUR BROKEN HOME

VERSE 2:
HEY SIR SO WISE WITH YOUR BIG DEGREE
I HEAR YOU'RE OUT THERE LIVING LARGE IN SOME VELVET ROPE RED CARPET SCENE
WELL I HOPE YOU ARE HAVING A VERY NICE TIME YOU LITTLE S***
THEY LOCKED US OUT OF OUR HOUSE WE CANT GET IN

CHORUS 2:
FOOLISH CHILD, I'M FEELING LIKE A FOOLISH CHILD
WHERE HAVE YOU GONE, OH THE PAPER MAN WONT LEAVE US ALONE
AND I, I I ...
I'M HERE WITH MY FAMILY WE'RE BARELY AFLOAT
LOVE YOUR BROKEN HOME

BRIDGE:
I GUESS I MISREAD YOUR ROLE
PLEASE LET ME KNOW HOW I SHOULD TELL MY WIFE AND KIDS
IT'S TIME TO GO

CHORUS 3:
FOOLISH CHILD, I'M FEELING LIKE A FOOLISH CHILD
WE'RE ALL ALONE
HEY MISTER IT'S YOUR FAMILY OF PAWNS
AND I, I I ...
I AM NOT SURE WHERE YOU TOUGHT WE COULD GO
MY KIDS TRYING TO OPEN UP THEIR FRONT DOOR
HEY F*** YOU FOR IGNORING MY CALLS
LOVE, YOUR BROKEN HOME

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