“America doesn’t bail out losers. America bails out winners.”

’99 Homes’ (2015) is almost a great film. The performances from Shannon and Garfield are captivating, the plot of the film is a bold introspect towards the U.S housing crisis in late 2000s and the art direction is distinctively Italian neo-realist. The story unfortunately slumbers in the third act and never really recovers from it. Having seen Ramin Bahrani’s previous works, he is one of the few filmmakers in the U.S who likes to tackle real social issues of the American society and even though the film is far from being his best work, it is still much better than any uninspired, unoriginal film that Hollywood has been relentlessly recycling this past decade.