'The Bank Doesn't Want Your House'

That's the conventional wisdom. I've been hearing it for four years. And finally, the bank made me a deal, made possible by a federal program, not its own deep aversion to taking back the property.
But consider this:

There are close to 650,000 foreclosed properties sitting on the books of lenders, according to RealtyTrac, a data provider. An additional 710,000 are in the foreclosure process, and according to the Mortgage Bankers Association, about 3.25 million borrowers are delinquent on their loans and in danger of losing their homes.

Now, it seems, the bank has more reasons than ever to want your house.