99 Homes

These days a man's home is the bank's castle.

These days a man’s home is the bank’s castle.

(2015) Drama (Broad Green) Andrew Garfield, Michael Shannon, Laura Dern, Clancy Brown, Tim Guinee, Nicole Barré, Yvonne Landry, Noah Lomax, J.D. Eyermore, Cullen Moss, Jordyn McDempsey, Ann Mahoney, Judd Lormand, Deneen Tyler, Donna Duplantier, Wayne Pére, Cynthia Santiago, Juan Gaspard, Nadiyah Skyy Taylor. Directed by Ramin Bahrani

It wasn’t that long ago that the economy tanked in the sub-prime mortgage crisis. Homes were being foreclosed upon at rates unheard of since the Great Depression. Families were displaced, the rich got richer and in essence nothing has changed since then other than the banks are being more circumspect somewhat, but none of the regulations that had kept this from happening before have been reinstated.

Taking place in 2010, the events in 99 Homes are said to have actually happened although I’m unclear whether they took place in the Orlando locale the film is set in. Dennis Nash (Garfield) is a construction worker who discovers that the builders of the development he’s working for have run out of money and that the past two weeks he’s been working are going to go unpaid.

His childhood home, which he lives in with his mother (Dern) and grew up in is underwater and he’s several payments behind. The bank isn’t terribly interested in anything but foreclosure and his trip to court has left him reeling; the judge, overwhelmed with the number of foreclosure cases, simply rubberstamps the bank’s request and sends Dennis packing. Dennis is told he has 30 days to appeal.

A few days later realtor Rick Carver (Shannon) shows up at Dennis’ door and without so much as a fare-thee-well tosses him, his son Connor (Lomax) and his mom into the street along with all their stuff. He is forced to move them into a skeevy hotel which is mostly filled with other evictees, some of them who’ve been there two years or more. He needs to find work now more than ever but there simply isn’t any to be had, the construction business hit hard by the fact that banks aren’t making business loans so there is nothing being built.

When he discovers that some of his tools are missing, he goes back to Carver to demand their return. Carver, impressed with his moxie, puts him to work doing a particularly disagreeable job on a foreclosed home whose previous owners let their displeasure be known in a rather spectacular way. Carver, admiring Nash’s work ethic, hires him on to do odd construction jobs and then to snatch air conditioning units from foreclosed homes that the banks will pay Carver money to install “new” units, which of course Carver simply has Nash reinstall the old units. Shifty, no?

Eventually as Nash continues to help Carver do his dirty work, Carver puts him to work doing the work that Nash is most wary of – presiding over foreclosures. Nash is sympathetic to the victims but soon becomes good at it and continues to help Carver with his chicanery. He even helps Carver set up a deal that will make them both unimaginably rich.

The issue is that Nash has a conscience and it’s beginning to get pricked, particularly in the case of a particular homeowner (Guinee). And when it all comes to a head, will Nash choose money or conscience?

This is a movie that captures the Great American Nightmare circa 2015 (yes, it’s still the Great American Nightmare). It’s a story that’s all too tragically common and will hit an emotional resonance that will touch even those who haven’t had money problems in their lives.

Garfield takes a role that he’s really more suited to than the teenage costumed superhero that he has been playing most recently. He’s still not the commanding screen presence that he might be but he’s a talented actor in his own right. What shines here though is Shannon as the slimy real estate agent whose greed and cynicism are palpable. He has a speech in which he talks about America bailing out winners that sounds like something Trump would say. I daresay that the orange-haired Republican Presidential candidate would probably like this movie for all the wrong reasons.

Dern, who has become one of the best actresses that is always getting notice but never getting noticed if you catch my drift, is once again magnificent here. She is the movie’s conscience and there are few actresses who can pull it off without being maudlin but Dern accomplishes it. She probably won’t be more than an afterthought for a Best Supporting Actress nomination here but that’s more because the script goes off the rails at the end.

Yeah, the ending. Let’s talk about it. What bugs me about Hollywood endings is that you establish a character, establish their credibility and then as the movie ends suddenly they change and act a completely different way than they’ve acted throughout the film. That’s not the way real people act and audiences know that. If you’re going to be charitable through the first 85% of the movie, the audience is going to expect you to be charitable the last 15% too. You have to follow your own internal logic. This movie doesn’t do that.

Still, it’s a fine movie that for the most part covers an issue that faces all American homeowners even those who think they’re well off. Other than that 1% we’ve heard so much about, most Americans are only a single paycheck away from financial issues and once you’ve got those it can be excruciatingly difficult to climb out from under them. The game is rigged that way and nobody wants to talk about it. Thank goodness for filmmakers like Bahrani who do.

REASONS TO GO: Real life horror. Terrific performances by Shannon and Dern.
REASONS TO STAY: Inexplicably bad ending.
FAMILY VALUES: Plenty of foul language including some sexual references and a brief scene of violence.
TRIVIAL PURSUIT: This is the first time Garfield has worn facial hair in a film.
CRITICAL MASS: As of 10/15/15: Rotten Tomatoes: 90% positive reviews. Metacritic: 76/100.
COMPARISON SHOPPING: Margin Call
FINAL RATINGS: 7/10
NEXT: All This Must Pass: The Rise and Fall of Tower Records

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