NAR Looks for the Silver Lining in the Numbers
While Zillow analysts are looking at the numbers and contrasting them to the housing market during the Great Depression, the National Association of Realtors® are trying to find some positives in the numbers.
ASSISTING HOMEOWNERS TRIUMPH OVER ADVERSITY! BRENT ERICKSON
Friday, December 3, 2010
Friday, August 6, 2010
Overweight and Obesity
Overweight and Obesity American society has become 'obesogenic,' characterized by environments that promote increased food intake, nonhealthful foods, and physical inactivity. Policy and environmental change initiatives that make healthy choices in nutrition and physical activity available, affordable, and easy will likely prove most effective in combating obesity.
Obesity raises the risk of heart disease, type 2 diabetes, many cancers and other diseases.
The Division of Nutrition, Physical Activity, and Obesity (DNPAO) is working to reduce obesity and obesity-related conditions through state programs, technical assistance and training, leadership, surveillance and research, intervention development and evaluation, translation of practice-based evidence and research findings, and partnership development.
Check out this web site if you need help with nutrition. Proper nutrition is the key.
http://www.90daychallengevi.com/
Obesity raises the risk of heart disease, type 2 diabetes, many cancers and other diseases.
The Division of Nutrition, Physical Activity, and Obesity (DNPAO) is working to reduce obesity and obesity-related conditions through state programs, technical assistance and training, leadership, surveillance and research, intervention development and evaluation, translation of practice-based evidence and research findings, and partnership development.
Check out this web site if you need help with nutrition. Proper nutrition is the key.
http://www.90daychallengevi.com/
Tuesday, July 20, 2010
Thursday, July 15, 2010
"Every morning in Africa a Gazelle awakes.
It knows that it must run faster than the fastest Cheetah or it will be killed. ~
Every morning in Africa a Cheetah awakes.
It knows that it must outrun the slowest Gazelle or it will starve to death. ~
It doesn't matter whether you are a Cheetah or a Gazelle:
When the sun comes up - you had better be running." - Unknown
It knows that it must run faster than the fastest Cheetah or it will be killed. ~
Every morning in Africa a Cheetah awakes.
It knows that it must outrun the slowest Gazelle or it will starve to death. ~
It doesn't matter whether you are a Cheetah or a Gazelle:
When the sun comes up - you had better be running." - Unknown
Friday, May 21, 2010
Wednesday, May 19, 2010
7 reasons banks reject mortgage applications, and how to get approved
7 reasons banks reject mortgage applications, and how to get approved
Lynnette Khalfani-Cox
May 17th 2010 at 3:30PM MoreText SizeAAAFiled under: Home, Real Estate, Mortgages
We all know it's tougher to get a home loan these days compared with just a few years ago. Banks tightened their credit standards dramatically during the credit crunch, and lenders now accept only 55% of all mortgage applications, according to the latest annual statistics from the Mortgage Bankers Association.
Overall lending by U.S. banks plunged by 7.4% in 2009, the sharpest decline since 1942, based on FDIC data. And so far in 2010, banks have yet to ease lending standards.
So if you're thinking about buying a house or refinancing your current home, it's time to arm yourself with information that will ensure you get a "Yes" from a lender.
Here are seven reasons people get turned down for a mortgage – along with some advice on how to overcome these obstacles.
1. Can't properly document your income
This may come as a shocker to many people – especially those who have worked so hard to get that super-high FICO score or to save a ton of cash. But having good credit isn't the be-all and end-all in the mortgage lending business. Neither does having a pile of greenbacks make you a shoe-in for a mortgage.
"You can have an 800 FICO score and $1 million sitting in a bank account at some institution, but if you can't prove your income, and back it up with your tax records, we simply can not do that loan," says Thasunda Brown Duckett, senior vice president and Northeast region manager for Chase Mortgage, a division of JP Morgan Chase.
Other income-related issues that can trip up a mortgage application include: frequent job-hopping, gaps in employment, not having two years' consecutive employment in the same industry, or recently going from a salaried position to commission-based work, which makes it difficult to document your track record and true earnings history.
"Credit still matters, of course, and you do need to have cash reserves," Duckett said. "But in this environment, we're getting back to basics and looking at all the factors – such as how much you're borrowing, the loan-to-value ratio on the loan, how leveraged you are, and whether or not your tax returns show that you can weather the storm if taxes go up or things go wrong with your home. So it's not only about your credit score or reserves."
2. Lack strong "compensating factors"
If your application has some problem issue or you're on the borderline of qualifying, perhaps because your debt-to-income ratio is a bit high, "one way to strengthen your application is with compensating factors," says Chris Jordan, a licensed mortgage banker with First Home Mortgage in Silver Spring, MD. A "compensating factor" is mortgage industry lingo for having some positive aspect in your mortgage application to offset other negatives.
Jordan said examples of compensating factors may include:
Big down payment (more than 20%)
Lower than normal loan-to-value ratio (less than 80%)
Lots of cash reserves (12 months or more)
High credit score (above 740)
For borrowers without a pristine application, a lack of strong compensating factors could mean your application is dead in the water.
3. Picked the wrong type of property
There are some kinds of properties many lenders remain skittish about financing. Among them: second homes and investment properties. This doesn't mean funding isn't available for these buildings; only that they carry more stringent terms, like bigger down payments and more cash reserve requirements.
Condos are another tricky area, especially those in new developments. As a buyer, you may think you're picking up a terrific bargain by getting in early on a condo that's currently under construction or in the early selling phase.
But be forewarned: most banks won't lend money on condos unless 70% or more of the units have been sold. What's more, lenders won't issue mortgages on condos in complexes that aren't on the FHA's approved list of condos.
"We've had customers who have put down big down payments of $30,000 or more on condos, and then they can't get approved because the project isn't approved," says Duckett. So she recommends that before you fork over a down payment, ask your lender about whether the condo you're considering is on its approved condo list.
4. Sandbagged by a know-nothing appraiser
During the heyday of the 2004 to 2007 real estate boom, home values soared. Critics said shoddy, overly-optimistic appraisals were partly to blame. So as of May 1, 2009, a new Home Valuation Code of Conduct went into effect mandating, among other things, that home appraisers be selected at random.
Industry experts say this new requirement is causing its own headaches for buyers and sellers – even very wealthy purchasers.
Paul Stillwagon is a Weichert real estate agent who runs New Jersey Estates Real Estate Group. He sells high-end homes, often in the millions of dollars. And while most of his buyers come in with all-cash offers, some do require mortgages. Like most real estate agents, Stillwagon holds his breath when waiting for those appraisals.
"The banks are real tough right now. One problem getting loans done is that they use poor appraisers and they don't comp out the houses" Stillwagon says. "A lot of these appraisers don't know comps in the area," so an appraisal might come in low.
Mortgage experts said homeowners seeking equity lines are also feeling the pain. In many cases for equity loans, all that's done is a "drive-by" appraisal, a passing inspection of the outside of someone's home. In other instances, even a drive-by appraisal isn't done. Instead, an appraisal is generated from someone's desk, based on information available online about local property values and sales.
Such data can often be misleading because it includes short sales, foreclosures and homes that may not be truly comparable to the home in question.
The solution here, observers said, is to make sure a physical appraisal of the property gets done – preferably by an experienced, local professional.
5. Inexperienced loan officer or mortgage broker
"I'm convinced that the number one reason people get declined for mortgages is that they picked the wrong loan officer," says Ray Kuplaste, a mortgage broker and sales manager at United Capital Lenders in Southampton, PA.
An experienced pro should be able to tell you how to quickly improve your debt-to-income ratio or what kind of loan makes best sense for your situation.
Equally important: That person should be a whiz at navigating the electronic underwriting tools – such as Desktop Underwriter and Loan Prospector – that are used to spit out mortgage approvals. These automated underwriting services contain all the ever-changing guidelines and requirements imposed by Fannie Mae and Freddie Mac, the two government-sponsored entities to whom banks typically sell loans.
Unfortunately, according to Kuplaste, too many loan officers and brokers lack these skills. "I'll take 100 loans that Wells Fargo or Bank of America denied, I'll restructure them and then go back to the same banks, and I'll get 80% of them closed," Kuplaste says. "So it's often all about how a loan is structured and packaged."
As of 2010, mortgage brokers must now get licensed. Industry sources say only a small fraction of brokers have their licenses. Check out the experience and educational background of any mortgage professional, and see whether he or she is licensed.
6. Picked the wrong bank – or just one bank
"Another reason people get denied is that they just go to their current bank, which only has one set of loan programs," Kuplaste says. "I have 60 or 70 banks on board, and I know everybody's (lending) guidelines. So if one bank won't do a certain loan, chances are another one will."
Kuplaste notes that some mortgage denials really boil down to a lack of information, or an underwriter being unclear about something on an application. "So if there's anything that's iffy in a file, I'll add an explanation letter in there," Kuplaste says.
Henry Savage, owner of PMC Mortgage in Alexandria, VA, agrees that mortgage pros must now "document everything" to get loans to pass muster with underwriters.
Savage laments what he calls a "complete lack of reason and common sense" on the part of many lenders. "All they care about now is documenting files so that they can meet Fannie and Freddie's guidelines and sell off those loans," Savage says. "Even the most perfect borrowers have to jump through all kinds of crazy hoops to get a loan."
7. Bushwhacked by new rules
Let's say you find a condo project that's approved, and everything else is stellar on your loan application, that doesn't mean your mortgage is assured. "There are a lot of rules that govern conventional and government-backed loans, especially for condos," says Jordan.
Because condos have historically had higher default rates, one new FHA rule is that the delinquencies on condo dues have to be less than 30%. Often, this information isn't known until after there's a ratified contract, and well into the mortgage process.
For these reasons and more, "purchasing or selling a condo has become very, very difficult and complicated," Jordan says.
Source
Tags: mortgage, mortgage bankers association, mortgage lenders, mortgages
Lynnette Khalfani-Cox
May 17th 2010 at 3:30PM MoreText SizeAAAFiled under: Home, Real Estate, Mortgages
We all know it's tougher to get a home loan these days compared with just a few years ago. Banks tightened their credit standards dramatically during the credit crunch, and lenders now accept only 55% of all mortgage applications, according to the latest annual statistics from the Mortgage Bankers Association.
Overall lending by U.S. banks plunged by 7.4% in 2009, the sharpest decline since 1942, based on FDIC data. And so far in 2010, banks have yet to ease lending standards.
So if you're thinking about buying a house or refinancing your current home, it's time to arm yourself with information that will ensure you get a "Yes" from a lender.
Here are seven reasons people get turned down for a mortgage – along with some advice on how to overcome these obstacles.
1. Can't properly document your income
This may come as a shocker to many people – especially those who have worked so hard to get that super-high FICO score or to save a ton of cash. But having good credit isn't the be-all and end-all in the mortgage lending business. Neither does having a pile of greenbacks make you a shoe-in for a mortgage.
"You can have an 800 FICO score and $1 million sitting in a bank account at some institution, but if you can't prove your income, and back it up with your tax records, we simply can not do that loan," says Thasunda Brown Duckett, senior vice president and Northeast region manager for Chase Mortgage, a division of JP Morgan Chase.
Other income-related issues that can trip up a mortgage application include: frequent job-hopping, gaps in employment, not having two years' consecutive employment in the same industry, or recently going from a salaried position to commission-based work, which makes it difficult to document your track record and true earnings history.
"Credit still matters, of course, and you do need to have cash reserves," Duckett said. "But in this environment, we're getting back to basics and looking at all the factors – such as how much you're borrowing, the loan-to-value ratio on the loan, how leveraged you are, and whether or not your tax returns show that you can weather the storm if taxes go up or things go wrong with your home. So it's not only about your credit score or reserves."
2. Lack strong "compensating factors"
If your application has some problem issue or you're on the borderline of qualifying, perhaps because your debt-to-income ratio is a bit high, "one way to strengthen your application is with compensating factors," says Chris Jordan, a licensed mortgage banker with First Home Mortgage in Silver Spring, MD. A "compensating factor" is mortgage industry lingo for having some positive aspect in your mortgage application to offset other negatives.
Jordan said examples of compensating factors may include:
Big down payment (more than 20%)
Lower than normal loan-to-value ratio (less than 80%)
Lots of cash reserves (12 months or more)
High credit score (above 740)
For borrowers without a pristine application, a lack of strong compensating factors could mean your application is dead in the water.
3. Picked the wrong type of property
There are some kinds of properties many lenders remain skittish about financing. Among them: second homes and investment properties. This doesn't mean funding isn't available for these buildings; only that they carry more stringent terms, like bigger down payments and more cash reserve requirements.
Condos are another tricky area, especially those in new developments. As a buyer, you may think you're picking up a terrific bargain by getting in early on a condo that's currently under construction or in the early selling phase.
But be forewarned: most banks won't lend money on condos unless 70% or more of the units have been sold. What's more, lenders won't issue mortgages on condos in complexes that aren't on the FHA's approved list of condos.
"We've had customers who have put down big down payments of $30,000 or more on condos, and then they can't get approved because the project isn't approved," says Duckett. So she recommends that before you fork over a down payment, ask your lender about whether the condo you're considering is on its approved condo list.
4. Sandbagged by a know-nothing appraiser
During the heyday of the 2004 to 2007 real estate boom, home values soared. Critics said shoddy, overly-optimistic appraisals were partly to blame. So as of May 1, 2009, a new Home Valuation Code of Conduct went into effect mandating, among other things, that home appraisers be selected at random.
Industry experts say this new requirement is causing its own headaches for buyers and sellers – even very wealthy purchasers.
Paul Stillwagon is a Weichert real estate agent who runs New Jersey Estates Real Estate Group. He sells high-end homes, often in the millions of dollars. And while most of his buyers come in with all-cash offers, some do require mortgages. Like most real estate agents, Stillwagon holds his breath when waiting for those appraisals.
"The banks are real tough right now. One problem getting loans done is that they use poor appraisers and they don't comp out the houses" Stillwagon says. "A lot of these appraisers don't know comps in the area," so an appraisal might come in low.
Mortgage experts said homeowners seeking equity lines are also feeling the pain. In many cases for equity loans, all that's done is a "drive-by" appraisal, a passing inspection of the outside of someone's home. In other instances, even a drive-by appraisal isn't done. Instead, an appraisal is generated from someone's desk, based on information available online about local property values and sales.
Such data can often be misleading because it includes short sales, foreclosures and homes that may not be truly comparable to the home in question.
The solution here, observers said, is to make sure a physical appraisal of the property gets done – preferably by an experienced, local professional.
5. Inexperienced loan officer or mortgage broker
"I'm convinced that the number one reason people get declined for mortgages is that they picked the wrong loan officer," says Ray Kuplaste, a mortgage broker and sales manager at United Capital Lenders in Southampton, PA.
An experienced pro should be able to tell you how to quickly improve your debt-to-income ratio or what kind of loan makes best sense for your situation.
Equally important: That person should be a whiz at navigating the electronic underwriting tools – such as Desktop Underwriter and Loan Prospector – that are used to spit out mortgage approvals. These automated underwriting services contain all the ever-changing guidelines and requirements imposed by Fannie Mae and Freddie Mac, the two government-sponsored entities to whom banks typically sell loans.
Unfortunately, according to Kuplaste, too many loan officers and brokers lack these skills. "I'll take 100 loans that Wells Fargo or Bank of America denied, I'll restructure them and then go back to the same banks, and I'll get 80% of them closed," Kuplaste says. "So it's often all about how a loan is structured and packaged."
As of 2010, mortgage brokers must now get licensed. Industry sources say only a small fraction of brokers have their licenses. Check out the experience and educational background of any mortgage professional, and see whether he or she is licensed.
6. Picked the wrong bank – or just one bank
"Another reason people get denied is that they just go to their current bank, which only has one set of loan programs," Kuplaste says. "I have 60 or 70 banks on board, and I know everybody's (lending) guidelines. So if one bank won't do a certain loan, chances are another one will."
Kuplaste notes that some mortgage denials really boil down to a lack of information, or an underwriter being unclear about something on an application. "So if there's anything that's iffy in a file, I'll add an explanation letter in there," Kuplaste says.
Henry Savage, owner of PMC Mortgage in Alexandria, VA, agrees that mortgage pros must now "document everything" to get loans to pass muster with underwriters.
Savage laments what he calls a "complete lack of reason and common sense" on the part of many lenders. "All they care about now is documenting files so that they can meet Fannie and Freddie's guidelines and sell off those loans," Savage says. "Even the most perfect borrowers have to jump through all kinds of crazy hoops to get a loan."
7. Bushwhacked by new rules
Let's say you find a condo project that's approved, and everything else is stellar on your loan application, that doesn't mean your mortgage is assured. "There are a lot of rules that govern conventional and government-backed loans, especially for condos," says Jordan.
Because condos have historically had higher default rates, one new FHA rule is that the delinquencies on condo dues have to be less than 30%. Often, this information isn't known until after there's a ratified contract, and well into the mortgage process.
For these reasons and more, "purchasing or selling a condo has become very, very difficult and complicated," Jordan says.
Source
Tags: mortgage, mortgage bankers association, mortgage lenders, mortgages
Wednesday, April 28, 2010
Meet Edward W. Bisher, M.D. On 4/7/2010 I had a heart attack and Dr. Bisher is the man that saved my life. Dr. Bisher put a stent in the front main artery going into my heart.
At 40 years of age I seem to have developed heart disease. Which little did I know this would be something I could inherit from both my Mother and Father’s family (thanks Mom & Dad) anyway when I turned 40 I thought I was in great shape going to the gym regularly and looking fit while the whole time this heart attack was putting its self together. I’m not going to go on about poor me but if I can pass on any advice from this. It would be to every year get a physical no matter if you think you are fit or not and get tested for these things that you might not know exist just in case you have one waiting around the corner.
I want to thank Dr. Bisher at the Jacksonville Heart Center for being the person he is and being where he was when this happened to me. He saved my life.
Thank you Dr. Bisher!
Brent Erickson
Thursday, March 11, 2010
Tuesday, March 9, 2010
Good Information From My Friend Bob Massey:
Fannie Mae to Buy Back Delinquent Loans
Between 150,000 and 200,000 seriously delinquent mortgage backed security (MBS) loans will be purchased by Fannie Mae in March. As of December 31, 2009 it was thought that there were $127 billion in loans that were at least 120 days late that were eligible for this program. Fannie Mae will continue to buy 120 day late loans in subsequent months until they have made a significant dent in the problem of bank insolvency caused by these late loans.
Fannie Mae will need at least $100 billion over the next few months for this program in order to make the difference it is planning to make. Fannie Mae had determined that it would be cheaper to hold these loans in its own portfolio than to deal with backing them as part of MBS investor portfolios.
HUD Unveils a Loan Modification Scam Reporting Site
HUD has a new website, Preventloanscams.org, to build a data base of shady loan modification practices and reported scams. The database will allow non-profit agencies trying to help homeowners to identify problems across regional lines. In the past HUD could not share such data with non-profits.
The database was planned and created by HUD in partnership with the Loan Modification Scam Prevention Network and the Lawyers’ Committee for Civil Rights Under Law.
Homeowners who believe they have been victimized can fill out a complaint online.
Ocwen a Winner in Loan Modification Arena
Ocwen is gaining a reputation as one of the most aggressive lenders when it comes to offering programs for loan modification under the Home Affordable Modification Program (HAMP).
Ocwen’s rate of converting trial modifications to permanent ones is 10 to 20 times higher than other lenders, and the new loans are more sustainable than those devised by the competition. Ocwen’s HAMP re-default rate is under 5%, while the industry average is 19 to 34%.
Ocwen’s president, Ronald M. Faris, has testified to Congress that principal write downs should be a part of the HAMP process. He also recommends that under performing banks should be required to outsource their loan modification work to others who are meeting performance standards. Faris believes that only with principal reduction modifications can the current negative equity problem be effectively beaten.
SunTrust Reducing Loss Mitigation Timeframe
SunTrust has reduced its estimated loss mitigation time by one or two days by using a new outbound calling system that keeps in contact with homeowners at certain critical times.
For example, by contacting homeowners just prior to the due date of the first loan payment it has cut initial payment delinquencies by 62%. The predictive calling system also helps to keep in contact with people in the loan modification process so that submission of paperwork is more likely to stay on track.
The automated system is helping the lender to avoid having to start all over with the processing of loan modification applications. It helps human loss mitigation specialists to handle the more complex issues because the phone is not tied up with inbound calls from homeowners on routine matters.
States Helping to Stave Off Foreclosure
Pennsylvania has had a model program to help its unemployed citizens get back on their feet by paying for mortgages for up to 36 months and up to $60,000 in loan value. This innovative program has been in existence since 1983 and is credited with saving 3,250 homes just last year and has helped 43,000 since the beginning of the program. Delaware, North Carolina and Massachusetts have similar programs.
The people who have been most likely to be approved for these programs are those with temporary hardships, credit card debt that is under control, and good track records in gaining and keeping employment. Those likely to fall behind again are generally not accepted and thus the success rate for Pennsylvania’s program has been around 80%. Generally, the loan is paid directly to the mortgage processor and is repaid over a 10 year period at an interest rate of around 5.25% until the state’s lien on the property is cleared.
Now the Obama Administration is encouraging other states to follow Pennsylvania’s example in providing loans for those who face difficulty making home payments because of unemployment, illness, divorce and similar crises. The federal government initiated a $1.5 billion program in February to help hardest hit states—Florida, Michigan, California, Arizona, and Nevada—to provide unemployed workers with loans to pay their mortgages. Now officials from these states are inquiring about the Pennsylvania program to use as a model.
Fannie Mae to Buy Back Delinquent Loans
Between 150,000 and 200,000 seriously delinquent mortgage backed security (MBS) loans will be purchased by Fannie Mae in March. As of December 31, 2009 it was thought that there were $127 billion in loans that were at least 120 days late that were eligible for this program. Fannie Mae will continue to buy 120 day late loans in subsequent months until they have made a significant dent in the problem of bank insolvency caused by these late loans.
Fannie Mae will need at least $100 billion over the next few months for this program in order to make the difference it is planning to make. Fannie Mae had determined that it would be cheaper to hold these loans in its own portfolio than to deal with backing them as part of MBS investor portfolios.
HUD Unveils a Loan Modification Scam Reporting Site
HUD has a new website, Preventloanscams.org, to build a data base of shady loan modification practices and reported scams. The database will allow non-profit agencies trying to help homeowners to identify problems across regional lines. In the past HUD could not share such data with non-profits.
The database was planned and created by HUD in partnership with the Loan Modification Scam Prevention Network and the Lawyers’ Committee for Civil Rights Under Law.
Homeowners who believe they have been victimized can fill out a complaint online.
Ocwen a Winner in Loan Modification Arena
Ocwen is gaining a reputation as one of the most aggressive lenders when it comes to offering programs for loan modification under the Home Affordable Modification Program (HAMP).
Ocwen’s rate of converting trial modifications to permanent ones is 10 to 20 times higher than other lenders, and the new loans are more sustainable than those devised by the competition. Ocwen’s HAMP re-default rate is under 5%, while the industry average is 19 to 34%.
Ocwen’s president, Ronald M. Faris, has testified to Congress that principal write downs should be a part of the HAMP process. He also recommends that under performing banks should be required to outsource their loan modification work to others who are meeting performance standards. Faris believes that only with principal reduction modifications can the current negative equity problem be effectively beaten.
SunTrust Reducing Loss Mitigation Timeframe
SunTrust has reduced its estimated loss mitigation time by one or two days by using a new outbound calling system that keeps in contact with homeowners at certain critical times.
For example, by contacting homeowners just prior to the due date of the first loan payment it has cut initial payment delinquencies by 62%. The predictive calling system also helps to keep in contact with people in the loan modification process so that submission of paperwork is more likely to stay on track.
The automated system is helping the lender to avoid having to start all over with the processing of loan modification applications. It helps human loss mitigation specialists to handle the more complex issues because the phone is not tied up with inbound calls from homeowners on routine matters.
States Helping to Stave Off Foreclosure
Pennsylvania has had a model program to help its unemployed citizens get back on their feet by paying for mortgages for up to 36 months and up to $60,000 in loan value. This innovative program has been in existence since 1983 and is credited with saving 3,250 homes just last year and has helped 43,000 since the beginning of the program. Delaware, North Carolina and Massachusetts have similar programs.
The people who have been most likely to be approved for these programs are those with temporary hardships, credit card debt that is under control, and good track records in gaining and keeping employment. Those likely to fall behind again are generally not accepted and thus the success rate for Pennsylvania’s program has been around 80%. Generally, the loan is paid directly to the mortgage processor and is repaid over a 10 year period at an interest rate of around 5.25% until the state’s lien on the property is cleared.
Now the Obama Administration is encouraging other states to follow Pennsylvania’s example in providing loans for those who face difficulty making home payments because of unemployment, illness, divorce and similar crises. The federal government initiated a $1.5 billion program in February to help hardest hit states—Florida, Michigan, California, Arizona, and Nevada—to provide unemployed workers with loans to pay their mortgages. Now officials from these states are inquiring about the Pennsylvania program to use as a model.
Subscribe to:
Posts (Atom)