There might be a great movie to be made out of the financial crisis, but “99 Homes,” which is like being shouted at by a man with bad breath while he grips your collar with both hands, isn’t it.

Michael Shannon, an actor who tends to overemphasize one trait in each character, plays the Gordon Gekko of foreclosure, a realtor gleefully separating people from their homes in 2010 Florida. One victim, Dennis (a soulful Andrew Garfield), is himself a construction worker who has lost his job in the crash. Though Dennis wants to kill Rick (Shannon) and Rick barely knows Dennis, the realtor hires the construction worker and tells him all about his fraudulent practices.

Afflicted with blaring music and grandstanding speeches, the movie forgoes any chance at being interesting by making Rick a cartoon villain, complete with a cigar. Writer-director Ramin Bahrani forgets that topicality and huffiness don’t necessarily add up to a movie.