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U.S. Orders Up To A
Yearlong Break On
Mortgage Payments

Original Article

Posted By: Pluperfect, 3/21/2020 4:47:11 AM

Homeowners who have lost income or their jobs because of the coronavirus outbreak are getting some relief. Depending on their situation, they should be eligible to have their mortgage payments reduced or suspended for up to 12 months. Federal regulators, through the mortgage giants Fannie Mae and Freddie Mac, are ordering lenders to offer homeowners flexibility. The move covers about half of all home loans in the U.S. — those guaranteed by Fannie and Freddie. But regulators expect that the entire mortgage industry will quickly adopt a similar policy. Under the plan, people who have suffered a loss of income can qualify

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Reply 1 - Posted by: Tptems 3/21/2020 5:35:57 AM (No. 352802)
I wonder if it would be better to target credit card companies and force them to reduce interest rates. Rates are low but cc companies are still charging exorbitant rates during a time of hardship and crisis. From google: If the prime rate is 5.50%, the current APR on that variable rate card would be 18.50%. That means the prime rate has a direct, but typically small, impact on the finance charges you pay on your credit card when you carry a balance. The higher the prime rate, the more you'll pay to revolve a credit card balance.
35 people like this.

Reply 2 - Posted by: Gently 3/21/2020 7:21:35 AM (No. 352840)
Yet another manifestation of the genius of Donald Trump. No kidding – – in almost 4 decades in the business world and six decades in the real world, I’ve never seen anything approaching his level of acumen. And he is using this to preserve, protect and defend our magnificent country. The Spirit of Truth is becoming stronger under his leadership. I pray every day for our president, and twice on Sunday.
71 people like this.

Reply 3 - Posted by: Midnight Rambler 3/21/2020 7:22:06 AM (No. 352841)
This entire ordeal proves one thing for sure. Carry a little debt as possible and especially get your house paid off.
43 people like this.

Reply 4 - Posted by: hammondb3 3/21/2020 7:39:24 AM (No. 352860)
We paid cash for our house just about 1 year ago. How much of that can I get back?
19 people like this.

Reply 5 - Posted by: hoosierblue 3/21/2020 7:56:49 AM (No. 352873)
That sounds so wonderful and thoughtful at first sight but it is no different than Bernie's free everything. Government has no business ordering private business to run them the way the government wants them too. I like Trump but I have seen him do some dictatorial moves that I am not happy with, at ll. Actions like this is just the camels nose pushing in further under the tent. If it continues, our tent will collapse.
22 people like this.

Reply 6 - Posted by: Yuban 3/21/2020 7:58:04 AM (No. 352876)
We have no mortgage payment. We have no credit card debt. We have no medical debt. We have no student loan debt. We have no debt, period. I guess we won't be taking other peoples money to pay our bills. If you want it to sound better, we won't be joining the Socialist system any time soon. Folks, learn to live within your means, have 6 months to a year backup of money and food, believe in the Lord All -mighty, and you won't have to live in fear.
54 people like this.

Reply 7 - Posted by: ARKfamily 3/21/2020 8:08:25 AM (No. 352887)
Well, I am really glad that there are some people who can pay for their house with cash. Most people cannot. We are very sensible people with no credit card debt and live simply. Yet, we do have a mortgage payment (within our means) but I am not going to judge people because of my own situation. Thank you, #2, for your comments. I can always tell who the posters are when it comes to negative articles about President Trump.
28 people like this.

Reply 8 - Posted by: ARKfamily 3/21/2020 8:14:07 AM (No. 352895)
Oh, by the way #6, President Trump is not a socialist but he does care about people. Did you kind of figure that out with his slogan, Make America Great Again. He loves his country and the people who live here and is caring enough through difficult times. May I suggest opening a Bible and reading it from beginning to end. . .
18 people like this.

Reply 9 - Posted by: gone2pot 3/21/2020 8:15:31 AM (No. 352897)
And for those of us who sacrificed and saved to pay cash for our homes, we get to bend over and grab our ankles. How about make Uncle Sugar Teet put money where his grubby hand is and CANCEL this year's federal income tax? You'd see this ridiculous "crisis" over a flu strain no more dangerous than the 1918 Spanish flu END toot sweet.
13 people like this.

Reply 10 - Posted by: hammondb3 3/21/2020 8:33:10 AM (No. 352910)
My post at #4 was not meant to make light of people who will have debt issues as their income takes a hit or lobs are even lost. Frankly, even as a staunch conservative, there are times when governments SHOULD take extraordinary action to help people who find themselves in hard times through NO fault of their own. This is one of those times. The governments are REQUIRING shut downs and closures of businesses. The governments should step in and do what they can to minimize the negative effects of those actions. But, don't think for a moment that someone who paid cash for their house a year ago is not also going to feel pain from this. That was my point.
12 people like this.

Reply 11 - Posted by: anniebc 3/21/2020 8:43:16 AM (No. 352920)
Government does not have the best reputation for "helping," so it's hard for some of us to accept the help when it's really needed. I'd rather do bad by myself, as they say. I think the differences expressed here are because we want government to do what it's supposed to do, and we are so far from decent government. Our government is corrupt and needs a drastic overhaul. It can't be done as long as we have the politicians that we currently have and as long as we have a dumbed-down populace that doesn't understand what kind of government is best for them. They're too used to being needy slaves. I weep for my children's generation. When they are the seasoned Americans, what will this country look like. Judging by today, it probably won't be a constitutional republic.
13 people like this.

Reply 12 - Posted by: essgee1952 3/21/2020 8:45:41 AM (No. 352922)
I don't know why some of you seem to think this is "free money." Read the article...no taxpayer funds are being used and home owners still have to pay their full mortgage amount. It's just deferred. My husband's, son's and daughter's jobs have all gone, hopefully temporarily, but it does put a crimp in the budget.
15 people like this.

Reply 13 - Posted by: planetgeo 3/21/2020 8:54:12 AM (No. 352927)
#5 is exactly correct. Once people finish rejoicing about NO MORTGAGE! and the FREE $1,200 !they better start worrying about who, how much, and when all that free stuff will need to be paid back. Oh wait you thought all that free stuff was going to be free forever? Silly goose. We're talking trillions of dollars here, kids. And oh by the way, all of you who paid cash for your home and all of you/us who have no debt of any kind...guess what...you/we now have a ton of debt that you/we will be forced to pay for all this not-really-free stuff. Welcome to socialism! It really feels good until the debt comes due, banks collapse, the food is gone, and really bad stuff takes over.
14 people like this.

Reply 14 - Posted by: MDConservative 3/21/2020 9:07:04 AM (No. 352934)
The difference between liberal Democrats and conservative Republicans doesn't seem so great...where's my check? Where are my price supports? Where's my mortgage payments being suspended? Let's jam the credit card companies, too. When Republicans play this game it's "caring about people". When the Dems do it's Socialism. Government is not supposed to be either a charity or a market manipulator. But this is an emergency!
6 people like this.

Reply 15 - Posted by: tom7 3/21/2020 9:08:43 AM (No. 352937)
NPR can be counted on to publish a headline that is every bit as deceptive as they can make it.
4 people like this.

Reply 16 - Posted by: tootall 3/21/2020 9:15:38 AM (No. 352944)
Someone please correct me (in a non snarky way) if I'm wrong, but we have not yet received a law from Congress on this. They are too busy arguing about pork and Christmas tree ornaments they want to hang on Government help to agree. There are a few reasons for this, and excuse me for being simplistic...but get over it! Some want permanent Govt benefits and this crisis presents an opportunity to install that in a way that never will be removed. Some want funds for items that have nothing to do with this crisis, and those funds somehow make their way back into those same Politicians through campaign contributions. When the banks and other financial institutions paid back their temporary TARP relief, Congress did not retire the debt issued to provide that support. They spent that money on other stuff! And stole as much as they could! That was before they traded on inside information!!! Or their advisors who had discretionary rights over their accounts (to provide deniability) heard the dog whistle and bought and sold according to what was going to happen. BECAUSE THEY KNEW! The main reason we're making any progress against this pandemic it that the President declared a National Emergency to free up the resources to move quickly. He is inartful at times, and certainly other character defects often appear if you listen to him. But you cannot deny that he can, and has put talented and very competent people in positions to deal with the complex situation where we find ourselves. Behind closed doors, I would imagine he can be a very challenging boss to deal with! I would not be surprised if he says to some his incredibly talented experts, 'I don't care what you do GET IT DONE! This what we need now. When this thing is over, my hope is that the strength DJT gains by handling this problem will give him the power to truly drain the swamp and expose the thieves (many in our Government) who don't care whether you live or die. Or what happens to your kids or grandchildren.
11 people like this.

Reply 17 - Posted by: felixcat 3/21/2020 9:20:28 AM (No. 352956)
I'm just curious as to how much house did you buy, where in the country you live, etc. that one can pay cash for their home? You scrimped and saved. Sure.
5 people like this.

Reply 18 - Posted by: jacksin5 3/21/2020 9:29:06 AM (No. 352968)
First off, let me state for the record that I am not an economist. Bit my dad and many of his generation hated FDR, blaming him for extending the Great Depression strictly due to the Government's attempt to correct the downturn in the economy. I don't know even if the two situations are comparable, but I have a deep distrust of Government meddling with the private sector economy.
11 people like this.

Reply 19 - Posted by: franq 3/21/2020 9:40:56 AM (No. 352982)
A resounding Amen to all posters promoting fiscal sanity. Debt is bad no matter what the prevailing crisis. A cardinal rule of first responder and EMT training: you can't help others if you need help yourself (scene safety context). I praise God for his provision over the years. I pray He ends this flu crisis soon. Lord, please shine the truth on this situation and help us live as we should. In Jesus' name, Amen.
11 people like this.

Reply 20 - Posted by: LadyHen 3/21/2020 9:52:40 AM (No. 353010)
Good grief! So much sanctimonious horse manure here and to be honest, virtue signalling. Payment deferral is not a hand out. Everyone gets their money in the end. If interest is still accruing and if you can make payments or even partial payments, that is best. But if God forbid you lose your job and are out if work for 10 months (our one bread earner family experienced this after the 2008 crash) you can feed your kids and keep the lights on. Repeat after me, "Are there no prisons?? Are there no workhouses??!!" is not good OPTICS right now!!
6 people like this.

Reply 21 - Posted by: RuckusTom 3/21/2020 10:00:39 AM (No. 353022)
Here comes Ivanka Trump ... again. How many felons that have been released under the Kim Kardashian sympathy plan have been re-arrested?
3 people like this.

Reply 22 - Posted by: padiva 3/21/2020 10:01:35 AM (No. 353023)
Does a break on mortgage payments mean that insurance and real estate taxes still need to be paid on time?
4 people like this.

Reply 23 - Posted by: stablemoney 3/21/2020 10:39:46 AM (No. 353065)
The magnitude of the impact of this virus is emerging. That impact is far greater than any V shaped, or quick recovery. This, along with the energy collapse, will take years for recovery.
3 people like this.

Reply 24 - Posted by: Ida Lou Pino 3/21/2020 11:38:31 AM (No. 353141)
This is disgusting and disgraceful. Trump is trying to out-Boinie Boinie. Yay! Free stuff for everyone! Shameful. Shameful and frightening.
1 person likes this.

Reply 25 - Posted by: JediJerry 3/21/2020 11:52:30 AM (No. 353168)
I have a VA loan so not sure if they will be doing the same. I bet they will. If so I will take up the option to suspend and instead of paying the mortgage, I will put the same amount into savings. Will still need to pat property taxes and insurance but thats not much. Im happy if it happens.
4 people like this.

Reply 26 - Posted by: Timber Queen 3/21/2020 12:36:01 PM (No. 353238)
The distrust of government is well founded and deeply ingrained after 50 years of creeping communism, and certainly after the Obamanation. Our revulsion at give-aways making people lazy and dependent has become an automatic response, and our fears would be justified if a commie Dim was leading during this crisis. Instead we have Donald J. Trump; Swamp Slayer. He is no Marxist ideologue or a secret socialist. President Trump is a realist and an American patriot. He can only use the tools that already exist on the federal workbench. Whereas the commies used them to undermine our country; Trump is using them, along with tools from his personal workshop, to rebuild us into a nation. He is not letting this crisis "go to waste." He is slashing and modifying regulations, and engaging the private sector as partners instead of targets. Not so many days ago critics were certain the Great Hunkering was going to crash the economy and plunge us into eternal poverty, "You just can't shut down the biggest economy in world. Its 1929 all over again!" Also, understandable sentiments considering the last 50 years. Instead President Trump engaged every sector of the US economy, meeting with the CEOs of all major corporations in each industry. They identified for him the government straitjackets that were preventing them from reacting nimbly to save their employees and serve their customers best during this extraordinary time. President Trump listened and acted. They are forging a new way for the government and private sector to work together for the good of our people in an emergency. All the "what about" questions are being answered. Landlords can let April rent slide because their bankers are giving them a reprieve. Companies are releasing quarterly bonuses early, or sending out partial paychecks. The big hotel chains are helping out their franchisers. They have been enabled to help the people in their sector without running afoul of regulations meant for normal times. President Trump is fundamentally transforming America before our eyes. Be not afraid. God is working in the world...Donald J. Trump is His builder.
9 people like this.

Reply 27 - Posted by: Ida Lou Pino 3/21/2020 1:08:10 PM (No. 353282)
Apologies for a second post - - but noting justifies federal government subsidies or bailouts. Nothing. They not only don't work - - but they take away all of our ammunition in our battles against socialism and communism. Let businesses and individuals work out their own financial solutions among themselves. That's called a "market economy" - - and it's the only thing that has ever worked. No subsidies or bailouts - - ever!
0 people like this.

Reply 28 - Posted by: Thos Weatherby 3/21/2020 1:12:31 PM (No. 353292)
And for those who worked your butts off and are debt free . . .
3 people like this.

Reply 29 - Posted by: RedWhite&Blue2 3/21/2020 1:35:52 PM (No. 353323)
Here’s hoping the ridiculously exorbitant prices of homes will level off back to reality So sick of $599,900 for these homes that are really worth only 400 or 450k.....people like us who lost our homes in the paradise wildfire and are still living in a hotel are hurting because there’s so much unbridled greed out there. I call listers “scalpers” and I call realtors “decepticons”! Don’t be deceived! I miss our home every day and wish they were affordable again Our 403b has taken a beating too Living in a hotel sucks!
5 people like this.

Reply 30 - Posted by: Timber Queen 3/21/2020 2:12:26 PM (No. 353393)
Please indulge a second post. #27 - I whole heartedly agree with, "Let businesses and individuals work out their own financial solutions among themselves." However, given the current state of our laws and regulations people do not have that freedom. That is what President Trump is trying to achieve...breaking America from the chains of socialism and he is using these precious few weeks to lay the foundation for a truly free America. As a man we all admire says, "We'll see what happens."
1 person likes this.

Reply 31 - Posted by: harleynyc 3/21/2020 2:15:59 PM (No. 353396)
real estate taxes are what killing me.
5 people like this.

Reply 32 - Posted by: Casper27 3/21/2020 2:49:14 PM (No. 353441)
I've lost my mind over it. Does that count? America didn't mind us teenagers right out of hs being drafted to be killed in Nam at 300 per week.
3 people like this.

Reply 33 - Posted by: red1066 3/21/2020 4:17:52 PM (No. 353545)
Even better would be to go after the credit card companies for charging outrageous interest rates on credit cards.
3 people like this.

Reply 34 - Posted by: Hermit_Crab 3/21/2020 5:38:39 PM (No. 353591)
So many who don't mind destroying the economy for their children and grandchildren and great-grand-children (assuming the nation even survives), for a little bail-out for themselves now. Makes me sad.
1 person likes this.

Reply 35 - Posted by: Deborah Grannet 3/21/2020 5:45:03 PM (No. 353596)
#27, as a rock-ribbed conservative who's never taken a thing fr/ government, my head says I totally agree with you. But I was just on the way to recovering fr/ the Obama years (the only time I EVER acquired debt), and am now as a single person staring at no income for the forseeable future. Really funny how everything goes up except wages-- property taxes, utilities, sales tax, insurance. We're already living under socialism-- if you could see all the free stuff I'm providing for others, you would know that I would be in good shape if I could just keep more of my stuff. I don't know how we change the landscape-- I only know that my mortgage is due by April 16, and that I've never been able to give up eating. #29, so sorry for your loss.
4 people like this.

Reply 36 - Posted by: Yuban 3/21/2020 5:53:43 PM (No. 353605)
#7, I meant no harm in what I said. Sorry you took it so personal. I am a DT supporter but that does not mean I agree with everything he says or does. My wife and I read the Bible together each and every day. I am not a Bible scholar but I do my best to understand it. Romans 13:8 is a good one. As is Deuteronomy 28:12 and 1 Corinthians 16:2 and there are many more. Again, I did not mean to upset you. I was just trying to give good sound advice. Have a blessed day.
2 people like this.

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Posted by PageTurner 3/21/2020 7:06:25 AM Post Reply
Anthony Fauci, M.D., the 79-year old head of the National Institute of Allegy and Infectious Diseases (NIAID), has become the #1 point man on the government’s role in the coronavirus crisis. Fauci has worked for the National Institutes of Health (NIH) his entire professional life. In the past, for more than two decades starting in the mid-1980s, he was the medical establishment’s face of HIV-AIDS – omnipresent on television when AIDS was hot and ever present at international AIDS conferences well into the 21st century. Always, he was an enthusiastic advocate of throwing more federal money at the problem of AIDS. He's widely praised in the press.
Nancy Pelosi Nixes Bipartisan Talks
on Coronavirus Package
38 replies
Posted by Imright 3/22/2020 6:39:45 PM Post Reply
House Speaker Nancy Pelosi (D-CA) said on Sunday that she has decided to move forward with her own emergency coronavirus relief package.Pelosi spokes just hours before the Senate was scheduled to take a procedural vote that would lead towards a final vote on a bipartisan economic relief package. The bill would provide economic relief after the coronavirus epidemic ravaged the country’s economy.“From my standpoint, we’re apart,” she said. Subsequently, Senate leaders decided to delay a planned vote to 6 p.m. Sunday.
“He is a National Disgrace” – Brennan
Attacks President Trump Amid Coronavirus
Global Pandemic
38 replies
Posted by Imright 3/22/2020 3:35:08 PM Post Reply
Former CIA Director John Brennan attacked President Trump as “national disgrace” amid the Coronavirus pandemic. President Trump UNLOADED on another far left reporter Friday morning during his daily Coronavirus press briefing. NBC’s Peter Alexander was the latest hack reporter determined to use the daily briefing to attack President Trump.The media then lied about Trump’s exchange from Peter Alexander in order to smear the President.Watch the full exchange: (Tweet/Video)
Are America, and Trump, Being Played? 38 replies
Posted by gpau 3/21/2020 9:17:09 AM Post Reply
Our concern about Donald Trump in the campaign of 2016 was not about his personal morals. ... It feels increasingly like Americans are watching execution of a plan to take down America as a constitutional republic, and Trump as president, fed by a CIA-type psychological assessment of Trump that bet on his ‘go big’ instincts that are untethered by a deep ideological understanding and appreciation for what truly makes America exceptional and great.
‘There’s no playbook for this’:
Biden trapped in campaign limbo
37 replies
Posted by MissMolly 3/22/2020 4:37:54 AM Post Reply
Joe Biden reached a new and heady milestone when he shellacked Bernie Sanders in Florida, Illinois and Arizona to become the de facto Democratic nominee for president. But there was no soaring speech to acknowledge the moment. He never took the stage amid a sea of Biden signs or before an adoring crowd on national television. Biden was instead stuck in a makeshift studio in his Delaware home, webcasting his remarks with a low-quality personal computer camera against a straight-out-of-YouTube black backdrop and two American flags. He warned about the coronavirus contagion. He offered an olive branch to Bernie Sanders. Then, despite two consecutive weeks of smashing victories,
U.S. Orders Up To A
Yearlong Break On
Mortgage Payments
36 replies
Posted by Pluperfect 3/21/2020 4:47:11 AM Post Reply
Homeowners who have lost income or their jobs because of the coronavirus outbreak are getting some relief. Depending on their situation, they should be eligible to have their mortgage payments reduced or suspended for up to 12 months. Federal regulators, through the mortgage giants Fannie Mae and Freddie Mac, are ordering lenders to offer homeowners flexibility. The move covers about half of all home loans in the U.S. — those guaranteed by Fannie and Freddie. But regulators expect that the entire mortgage industry will quickly adopt a similar policy. Under the plan, people who have suffered a loss of income can qualify
Calls Increase for MSM to Stop Airing
Trump Live: ‘You Will Get People Killed’
35 replies
Posted by Imright 3/21/2020 4:09:30 AM Post Reply
Calls are increasing for cable networks to stop airing President Donald Trump’s press conferences live as critics believe Trump is turning White House news briefings into virtual campaign rallies that can “get people killed” with lies about the Coronavirus crisis. The pressure only increased after Trump’s Friday briefing.The Atlantic’s James Fallows believes the attention-starved Trump is turning the press conferences into “virtual campaign” rallies and Trump would actually lose interest in showing up if the media did not cover the briefings live.“Also, as a practical matter, if the briefings were no longer covered live, Trump would lose interest in attending himself,” Fallows argues.
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