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Will I get paid for overtime? metoprolol lopressor toprol xl side effects On the other hand, the present situation is bad for communities, bad for borrowers and, frankly, it's bad for many lenders. It's bad for communities because the presence of foreclosed homes depresses property values, cuts tax revenues, and attracts vandalism and crime. It's bad for borrowers because a motivated borrower who could keep up with a restructured and realistic payment stream loses the ability to keep his house, build some equity and maintain a good credit rating. It's bad for most lenders because if loans like these aren't restructured they usually default, and then the losses due to legal fees, vacancies, carrying costs and transaction costs can easily exceed what would have been lost by modifying the loan.