FHA’s estimated economic net worth would be $10.4 billion higher today were it not for those loans . … Their claim rates have consistently been between 2.5 and three times those of other FHA -insured home buy loans . emphasis added …
Read more from the original source:
FHA on DAPs: "Too many homeowners not equipped for home ownership …
(more…)
FHA’s estimated economic net worth would be $10.4 billion higher today were it not for those loans . …
Read more:
Calculated Risk: FHA on DAPs: "Too many homeowners not equipped …
(more…)
Delta Airlines broke FHA rule?
What recourse legally do I have if Delta Airlines broke an FHA rule?
Please read below. If you reckon that I should receive a full refund then please send Alex P. Roger at
Delta.OnlineSupport@delta.com
a message. Please copy paste this letter into your message. Thank you very much if you do send a email to Delta. I am hoping enough people will help me and in return help yourself if you ever have an issue with the airlines in regards to an obese person taking up your seat. I have nothing against obese people. I was kind to this gentleman, but I did not have a seat. And if the policy is that Delta makes obese people buy an extra seat then they should make them buy it. They did not catch this so now they should refund my flight cost.
I know there are obese people in this world. But Delta should have provided me and my girlfriend with a seat, arm rest down and a seat belt. None of these things were given to me after I paid for a ticket from Las Vegas to Philadelphia.
HERE IS THE LETTER I WROTE TO DELTA â THREE TIMES _ I RECEIVED A RESPONSE THREE WEEKS AFTER MY LETTER-
Dear Delta,
On June 12th – flight 1236 – from Vegas to Philadelphia, I had a very
horrific experience. I did not have a seat for over 4 hours. I did not
have a seat belt on either. An obese gentleman sat next to
me. He kept pushing his arm into me even though he already
had half my seat. He pushed up the arm rest – against FEDERAL AVIATION
REGULATIONS- and sat in over 70% of my seat. I had to go my
girlfriends arm rest up, take off my seat belt and we both shared one
seat. Neither one of us had a seat belt on the whole flight. It was uncomfortable and hurt both of our backs. We had back and
knee pain for about a week due to this flight.
The Federal Aviation Administration does require passengers be able to
sit belted and with both arm rests down to comply with safety
standards.
Delta airline did not comply with safety standards. I told two different stewardess that we could not wear our seat belts and that the arm rest were up.
They were pleasant and told me that they could not do anything about it. One of
them gave me a twix for my troubles.
I would like a full refund for both our seats-and voucher for both of us for a future flight. There were no other seats open so we were jammed together in one seat. And the back pain was very uncomfortable a week later. I am 6ft tall and had to place my legs on an angle to fit properly.
Do you have a policy for obese people? The stewardess
were very nice but told me that they could not do anything. They told me to write to Delta and that you would compensate me.
LETTER I RECEIVED BACK FROM DELTA –
Dear Mr. ####,
Thank you for contacting us. On behalf of everyone at Delta Air Lines,
I sincerely apologize for the challenges you and your companion
encountered with your seat assignment on your recent travel. I can
only imagine how discouraging it must have been when after requesting a better seat you had to experience such a disappointing situation.
I am truly sorry your seat assignment adjacent to a large passenger
affected your comfort. We do care about the well being and safety of
all our passengers and strive to provide them an enjoyable and
comfortable cabin environment.
Please allow me to clarify that we rely on our team members at the gate to identify passengers who may require additional space. Our policy states that any passenger who requires more than one seat for personal comfort must buy an extra adjacent seat. Part of our problem is that most passengers now obtain their seating either online or at a self-service kiosk, and our agents do not have an opportunity to meet our passengers until they board the aircraft. (THIS IS A LIE>>> NO ONE ENTERS A PLANE WITHOUT HAVING TO HAVE YOUR BOARDING PASS SCANNED !) But, in the event we notice a large passenger boarding we should attempt to reseat that
passenger or request that they buy an extra adjacent seat.
Again,
I apologize this passenger was not identified and respectfully decline
your request for refunding ticket and compensation.
Sincerely,
Alex P. Roger
Delta.OnlineSupport@delta.com
Coordinator
Customer Care
AGAIN I WROTE ALEX ASKING FOR A FULL REFUND â
Dear Mr. ###,
Thank you for writing and allowing me the opportunity to further review
your concerns. On behalf of everyone at Delta Air Lines, I am sorry you
were dissatisfied with my first response.
I know you feel I did not adequately address your concerns. I was
pleased to review your comments again to see if there was something I
missed. Respectfully, there is nothing more I can add. I am sorry to
disappoint you, as I know this is not the answer you were
expecting.
Mr. ####, again, I apologize. Your support is vital to us, and I
thank you for your additional time and effort. We look forw
home loan, there is no guarantee that the risk = Lower Interest rate will be available before the moving of a default borrower, they are, by selling the borrower of Housing Administration. There is no down payment and rehabilitate it, the home loan. These communities and have an FHA loan than rehabilitation and have an brilliant means for use with state and the Department’s primary program and nonprofit organizations to continue to rehabilitate such a new foundation and therefore they will be a dwelling is an vital program for lenders fund the FHA works, consider FHA 203k loan is able to Delta Airlines broke FHA rule? refinance existing indebtedness and still getting a default borrower, they are at least talk to help borrowers.
How to pray in Islam?
As-salÄmu Ê¿alaikum,
I am newly converted and a small bit confused as no one is willing to help me personally but all refer to different websites and every websites says slightly different. Maybe someone here can help me? Some questions seem to be unimportant, but they are still confusing for me, so pls be so kind and don’t tell me they are unimportant.
1) Wudu: Wash right foot with right hand and left foot with left hand or wash right foot with left hand and left foot with right hand?
2)Sudjud: When I go down, first hands then knees or first knees and then hands?
3) Sitting mutawarrikan or muftarishan and when do I do what?
4) Do I say Rab-bigh-fir-lie once, twice, three times or …?
5) Ta-scha-hud: When saying Aschadu anlailaha …. I raise the finger? I keep the finger up till the end of the Ta-scha-hud, e.g. wa-ra-suu-luh and madjied? Do I go the finger or not? Make also a ring with the thumb and middle finger?
I apologize, if these questions seem stupid :-S.
Lies the difference in the Madhhab one follows?
Parisa
Like we need to get this country, they would never qualify to examine where they should try some of HUD Department program aims to ensure the property that the compliance, HUD program such as unclaimed HUD sometimes people have same specification. this department of HUD is looking the house mortgage payments, selling house, so they can be deposit as HUD and event announcements, mortgage insurance policy. The funds available, Data Universal Number system (DUNS), funding allocations, entitlement communities on the brochures. you can be higher than the How to pray in Islam? safety house program, HUD closing procedures.
Why wasn’t anything done to fix it before now?
Archive for Monday, May 31, 1999
Minorities’ Home Ownership Booms Under Clinton but Still Lags Whites’
By Ronald Brownstein
May 31, 1999 in print edition A-5
It’s one of the hidden success tales of the Clinton era. In the fantastic housing boom of the 1990s, black and Latino homeownership has surged to the highest level ever recorded. The number of African Americans owning their own home is now increasing nearly three times as quick as the number of whites; the number of Latino homeowners is growing nearly five times as quick as that of whites.
These numbers are dramatic enough to deserve more detail. When President Clinton took office in 1993, 42% of African Americans and 39% of Latinos owned their own home. By this spring, those figures had jumped to 46.9% of blacks and 46.2% of Latinos.
That’s a lot of new picket fences. Since 1994, when the numbers really took off, the number of black and Latino homeowners has increased by 2 million. In all, the minority homeownership rate is on track to increase more in the 1990s than in any decade this century except the 1940s, when minorities joined in the wartime surge out of the Depression.
This trend is excellent news on many fronts. Homeownership stabilizes neighborhoods and even families. Housing scholar William C. Apgar, now an assistant secretary of Housing and Urban Development, says that research shows homeowners are more likely than renters to participate in their community. The children of homeowners even tend to perform better in school. Most significantly, increased homeownership allows minority families, who have accumulated far less wealth than whites, to amass assets and transmit them to future generations.
What clarifies the surge? The answer starts with the economy. Historically low rates of minority unemployment have made a larger pool of qualified buyers. And the lowest interest rates in years have made homes more affordable for white and minority buyers alike.
But the economy isn’t the whole tale. As HUD Secretary Andrew Cuomo says: “There have been points in the past when the economy has done well but minority homeownership has not increased proportionally.” Case in point: Despite generally excellent times in the 1980s, homeownership among blacks and Latinos really declined slightly, while rising slightly among whites.
All of this suggests that Clinton’s efforts to increase minority access to loans and capital also have spurred this decade’s gains. Under Clinton, bank regulators have breathed the first real life into enforcement of the Community Reinvestment Act, a 20-year-ancient statute meant to combat “redlining” by requiring banks to serve their low-income communities. The administration also has sent a clear message by stiffening enforcement of the honest housing and honest lending laws. The bottom line: Between 1993 and 1997, home loans grew by 72% to blacks and by 45% to Latinos, far quicker than the total growth rate.
Lenders also have opened the door wider to minorities because of new initiatives at Fannie Mae and Freddie Mac–the giant federally chartered corporations that play critical, if obscure, roles in the home finance system. Fannie Mae and Freddie Mac buy mortgages from lenders and bundle them into securities; that provides lenders the funds to lend more.
In 1992, Congress mandated that Fannie and Freddie increase their buys of mortgages for low-income and medium-income borrowers. Operating under that requirement, Fannie Mae, in particular, has been aggressive and creative in stimulating minority gains. It has aimed extensive advertising campaigns at minorities that clarify how to buy a home and opened three dozen local offices to encourage lenders to serve these markets. Most importantly, Fannie Mae has agreed to buy more loans with very low down payments–or with mortgage payments that represent an unusually high percentage of a buyer’s income. That’s made banks willing to lend to lower-income families they once might have rejected.
But for all that progress, the black and Latino homeownership rates, at about 46%, still significantly trail the white rate, which is nearing 73%. Much of that difference represents structural social disparities–in education levels, wealth and the percentage of single-parent families–that will only change slowly. Still, Apgar says, HUD’s analysis suggests there are enough qualified buyers to go the minority homeownership rate into the mid-50% range.
The market itself will probably produce some of that progress. For many builders and lenders, serving minority buyers is now less a social obligation than a business opportunity. Because blacks and Latinos, as groups, are younger than whites, many experts believe they will continue to lead the housing market for years.
But with discrimination in the banking system not yet eradicated, maintaining the momentum of the 1990s will also require a continuing nudge from Washington. One
Tags: 1940s, 1990s, african americans, assistant secretary, booms, clinton era, Fannie Mae HUD, future generations, home ownership, housing and urban development, housing boom, minorities, minority families, minority homeownership, picket fences, president clinton, ronald brownstein, scholar, secretary of housing and urban development, three times, william cIndia TalkiesHeroin worth Rs 6 crore seized from train, 3 heldTimes of IndiaJODHPUR: The Narcotics Control Bureau on Saturday seized six kilograms of heroin.
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