wealthschema/archetypes/mb-02-distressed-mortgage-underwater-homeowner
MB-02Mortgage & LendingAccumulationlow tax complexity

Distressed Mortgage / Underwater Homeowner

Homeowner with negative or minimal equity, behind on payments, evaluating loan modification, short sale, or deed-in-lieu. High financial stress.

Fintech builders, financial software makers, and compliance teams use the MB-02 — Distressed Mortgage / Underwater Homeowner archetype across six of WealthSchema's synthetic household data sets to model households matching the Distressed Mortgage / Underwater Homeowner archetype without exposing real customer PII.

Age Range
35–55
Net Worth
$0–$100k
Cohort
Mortgage & Lending

Schema fields covered

Every MB-02 household ships with — at minimum — these JSON fields populated. The full schema is documented in the data set you purchase.

members[].age
income.combined_gross
net_worth.total
filing_status
longitudinal.monthly[].net_cash_flow
longitudinal.monthly[].savings_rate
stress.scenarios[]
liquidity.months_of_expenses

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Formation
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