hubreb

They can send to collections, kid had emergency room visit and they kept him overnight. Got multiple really high bills, and insurance hadn't been applied-and was told to wait to pay. Two months later bills come in really low except 1, paid the smaller ones and figured id get lower for the other. Thought it was over and then started getting calls from what i thought was a spammer - answered phone a few weeks into it and it was collections. Turned out that portion of bill was never sent to insurance.

The dad



The perp

from WSJ article

But if a borrower later defaults, taxpayers are on the hook. Early in the pandemic, as mortgage rates plunged, lenders competed for business by easing underwriting standards. When interest rates rose in 2022, lenders further eased their standards. This let them make mortgages to borrowers who wouldn’t have otherwise qualified based on their incomes.

By late 2022, 70% of FHA borrowers had debt-to-income ratios exceeding 43%, which is generally considered risky. That’s up from 28% in 2012 and 60% before the pandemic. As inflation started to bite, defaults increased. About 15% of FHA borrowers who took out a loan between June 2021 and March 2024 fell seriously delinquent within a year.

To prevent foreclosures, Joe Biden’s regulators used the FHA insurance fund to cover arrears of struggling borrowers and offered to reduce their monthly payments by up to 25% for three years. The reprieve reduced foreclosures, but it magnified moral hazard by encouraging lenders to make riskier loans, knowing the government would rescue borrowers.

A case in point is UWM, which expanded its FHA lending after the housing market stalled. The result: more defaults. According to FHA data, 21.5% of UWM mortgages over the last two years fell seriously delinquent within a year of origination, compared to roughly 11% of its loans in 2022 and 2023.

Remarkably, 12 mortgage lenders have even higher one-year serious delinquency rates for recent mortgages, including Ages Mortgage (27.3%), Top Flite Financial (24.5%) and Loan United (23.7%). Most of these lenders also make loans that are guaranteed by Fannie and Freddie, so the FHA data could signal problems in loans guaranteed by the two GSEs.

A sample of FHA mortgages recently reviewed by the Housing and Urban Development Department found 76% contained a defect, up from 67% in late 2024. This could reflect stepped up scrutiny by the Trump team as well as eased underwriting. Foreclosures remain low, but that’s because the FHA continues to cover missed payments for borrowers who default.

Charlie and Benedict had to be a couple million

i hunt in Tensas too, and we are covered up with bears....i'd say 10% are tagged

have also heard of a game biologist filming a bear den in the tensas refuge that had a sow and cubs and that the sow brought back several fawns to the den

Knew both very well, sad times

[embed]https://www.google.com/amp/s/abcnews.com/amp/US/woman-won-release-prison-years-convicted-mothers-murder/story%3fid=46313117[/embed]

he can supply internet to the world

I think Taylor Rabe moved up near the guys you listed, strong 2nd half of season

i thought it was pretty balanced until they got to the electoral college portion - then it was overtly political and terrible