Americans Scrambling To Refinance: HARP Beats Out McRib, NFLX As Hottest Topic On Google Trends

Tyler Durden's picture

For once Americans are all over arcane economic alphabet soup concepts, at least according to Google Trends. As of minutes ago, the hottest topic on Google is the Home Affordable Refinance Program, or HARP, which makes sense - to borrow an Obamaism, "there is money to be made or saved."  Following yesterday's announcement of significant changes to EFSF eligibility which was pitched as allowing every American to effectively have access to the discount window, it is not surprising that mortgage holders everywhere are scrambling to refi, or at least attempt to do so. Even with the laxer guidelines, it is hardly likely that HARP, which has only refinanced under 900,000 mortgages since inception, will do much good due to forceful bank pushback on terms especially with the 2s10s trading where it is now. But regardless, the mere promise of more money in one's pocket has brought out the great unwashed in droves, cap in hand. After all there are apps to be bought. What is stunning is that interest in refinancing is even bigger than in such more "American" pastimes as the McRib or NFLX, although we attribute the fascination in the latter more to rubbernecking at a slow motion train crash. We wonder how long it will take the bulk of Americans to realize that going forward they purchase a government REOed home from HUD for $100 down, and use the 2000x levered money for a variety of "fungible" purposes. Expect the term "203k" to be quite popular shortly...

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SokPOTUS's picture

What?  No hot chicks on that list?  Lame.

eureka's picture

Can you say credit - and bubble economic....

Fukushima Sam's picture

I must say, what is up with the ravens?  There are a lot of them around these days.  Harbingers of bad tidings, I believe.

Don Birnam's picture

Where is "tranny porn ?"

Apparently SEC surfers were excluded from the data.

Sudden Debt's picture

when shit like this happens, they start to call it a depression...

sorry honey, I don't feel that good.


Snidley Whipsnae's picture

Anyone seen the early Vegas line on the LSU vs Bama game?

AnAnonymous's picture

Northern lights and aurora borealis? What happened lately for US citizens to get concerned about that?

PY-129-20's picture

Trust me, you don't want to know that.

Carlyle Groupie's picture

Good grief I hope you guys are ready for the suns EMP. Your power could be out for months.

Anyway; check all about the auroras news here:

john39's picture

totally normal to be able to see the northern lights in arkansas.  /sarc off.

Fukushima Sam's picture

If a solar EMP takes out the US power grid then you are looking at Fukushima times fifty.  Power will be the least of our concerns.

Shvanztanz's picture

Come on y'all, seriously, as soon as people chase down that snipe, it will be time for a remake of War of the Worlds or some pesky comet en route to destroy us. 

Now, pass the northern lights and if that's caked, then load up some afternoon delight. 

The Swedish Chef's picture

Quite telling that at least two of the top ten search words were drug realted...

GeneMarchbanks's picture

That is a list to fear my friend. Now, I believe the only thing on that list that Americans actually get: Mcrib.

LFMayor's picture

do prefer yours with oran pop or grapedrank?

poor fella's picture


Snidley Whipsnae's picture

You say that like it's a bad thing...

pods's picture

Northern Lights+McRib= Winning!


Lord Blankcheck's picture

S978 ---  makes unauthorized streaming of copyrighted content on youboob a Felony

hedgeless_horseman's picture

HARP is #1 because you can't get 200:1 non-recourse leverage on NFLX.  Artificially low interest rates drive the sheep to risk.  Same as it ever was.

knukles's picture

Where for art thou oh whoever you were touting NetFlix every day?
Who was that?

fuu's picture

Gold 1699.60.

jomama's picture

what does that mean?

pretty much nothing.

GeneMarchbanks's picture

I can see you're excited but we've been there you know?

optionking's picture

I will have the McRib with no mortgage paymentm thanks!

-Michelle-'s picture

And when they realize they don't have a GSE owned mortgage?  Wonder what the top search result will be then...

digalert's picture

How many bought into last years Cash4ClunkerHomes program now find their home worth less?

0cz's picture

I am just waiting for the EU to announce that all their problems are solved now that McDonalds has agreed to bring the McRib back in Europe. 

oddjob's picture

McRib...think smaller and more legs.

No One's picture

trending in twitter (#2) - Lindsay Lohan Posing Nude in Playboy


pods's picture

Next year's headline:

Lindsay Lohan to co-star in new movie, with that kid from The Toy.


knukles's picture

Add a 1.75 of vodka and that flick goes what the fuck into off the tracks never never land.
Actually, not a bad idea to meet her leaving rehab with one of those.  A few cogent moments and then, bazoomies!

Bazinga's picture

Yes, but how would have HARP done on the search list if American Idol was in season?

jomama's picture

i'm ashamed at some of these searches.  the country needs a serious cleansing.

Silver Alert's picture

#20 is "flat tax" which is surprising, and a start.  "When "end the fed" is in the top 10 then we'll be getting somewhere.  That "occupy," "OWS", nor anything related is in there indicates it hasn't gained as much traction amongst the general population as some would want to make it out as having.

bigwavedave's picture

yeah. no porn stars. must be a quiet day

Shvanztanz's picture

Google rankings are purchased, so why aren't these hot trends purchased...or appropriated? Do you mean to tell me that whenever whoever actually eats McRib hears an ad for it they go straight for the internet to google it? I assert that these "trends" are trended from the top down. Kind of how people get trended into the military during war time and trended into tax filing around April 15. 

thedrickster's picture

Prior to the algo being changed, Alex Jones topped this thing every afternoon.

Shvanztanz's picture


that explains why I top it just after my wife goes to sleep. Auto-google feature. 

thedrickster's picture

I'm serious lol.

AJ would say "Google blah blah, e.g. Cancer Viruses in Vaccines", a short time later the phrase would top this list.

Shvanztanz's picture

McDonald's to leverage 2 trillion McRibs to collateralize EU debt crisis. McRib 2.0 rumored to contain cancer fighting virus. 

Shvanztanz's picture

Wendy's and Burger King expected to downgrade McRib meat grading to F+ due to suspected heightened saw dust content.