The ballad of the housing bubble

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Diversion: Here’s a fun music video on the housing bubble -- a country-style ballad in which the buyer takes a teaser-rate loan, refis, builds instant equity, blows it on a Hummer and a Hawaii vacation, and then ... well, you know what happens next.

Foreclosure.

I talked to the creators, and they are both interesting people. Dave Girtsman, the singer-songwriter, was an appraiser in Ventura Country in the early years of the bubble and eventually quit the business to be a Web developer. He rents a house in Ventura County.

Amy Baniecki, the animator, is the kind of person you only meet in Southern California. Animator, actress and 115-pound, bikini-wearing Mexican mask wrestler known to her fans as ‘Crybaby.’ Here’s her IMBD page. She’s also a renter in Ventura County.

Enjoy the video, and support your local independent housing bubble filmmaker by recommending their video in the comment section.

Thoughts? Comments? Email story tips to peter.viles@latimes.com.