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There are many home loan options available to seniors. Some of these options will be immediately familiar, and some will require more research. In 2. 01. 2, Mitt Romney said he told members of the NAACP that if they wanted . Last week, Republican presidential candidate Jeb Bush, when asked about attracting black voters, said his message was different from that of Democrats because it was not . Playing on resentment of such benefits is an old political tactic, sometimes using a barely veiled racial code, as when Ronald Reagan inveighed against a . As Howard Gleckman, a tax expert who writes for the Tax Policy Center, a joint venture of the Brookings Institution and the Urban Institute, pointed out recently, virtually every American gets some kind of government subsidy, from people who have mortgages or employer- sponsored health care (big tax deductions) to those who work for or invest in big companies (big corporate tax subsidies). Recipients of Social Security and Medicare get back far more in benefits than they paid in taxes. Benefits to people who are not poor often equal or dwarf the cost of those for the poor. The home mortgage interest deduction, which the Congressional Budget Office found largely benefits the top one- fifth of income earners, cost the federal government about $7. Reverse Mortgage Lenders Direct (RMLD) RMLD (Reverse Mortgage Lenders Direct) has been operating for over three years with one goal in mind; make it easier for.The tax break for employers who provide health insurance cost Washington $2. Medicare, which is available to all seniors regardless of income level, is more expensive ($5. Medicaid ($4. 49 billion), the health care program for the poor, and an average- income couple retiring this year will get back three times more in Medicare benefits than they paid in Medicare taxes. These comparisons of benefits rarely come up when talk on the campaign trail turns to . Its most recent study found that in 2. U. S. In any given month during 2. Americans received a means- tested benefit, compared with 3. Hispanics, 1. 8 percent of Asians/Pacific Islanders and 1. Hispanic whites. Among food stamp participants in fiscal year 2. Latino and 2 percent Asian. Among TANF recipients in fiscal year 2. Hispanic. The racial breakdown of Medicaid recipients in 2. Centers for Medicare and Medicaid Services, was 4. Hispanic, 2. 5 percent Hispanic and 3 percent Asian. And enrollees in the Affordable Care Act health insurance exchanges are 6. Latino and 8 percent Asian. Beyond the question of race, the Pew Research Center did a survey about beneficiaries of federal entitlement programs (both means- tested and not) in 2. Americans said they had benefited, including 5. Among the biggest recipients of government generosity are corporations, which receive a multitude of federal and state tax breaks and incentives. These subsidies, sometimes called . As of last year, 9. Fortune 5. 00 CEOs were white, and white investors typically have three times as much money in the stock market as nonwhites. Investors are not direct recipients of corporate welfare, but the value of their holdings is shaped by any federal, state and local funds going to the publicly held corporations. In 2. 01. 2, The New York Times found that Washington and the states had given out $1. On a local and state level, much of this money was intended to create jobs, though many governments never tracked how many jobs were created as a result of the . Much of the money goes to agribusiness rather than family farms, particularly in industries such as catfish farming and rice, peanut and sugar production. In addition, in 2. U. S. Department of Agriculture farm loan program. Government assistance was responsible for one of the pillars of the U. S. The most widespread benefit was the insurance for more than 4. Federal Housing Administration (FHA) since 1. Those houses became a key part of building household wealth beginning with the post- World War II boom, but even though that wealth was made possible by federal benefits, it accrued disproportionately to white families. Black Americans were not given legal access or equal private access to this means of enrichment, because of redlining policies by lenders and legal restrictions on where blacks could buy property. Redlining persisted through the mid- 1. Community Reinvestment Act of 1. Many black or Latino homebuyers were steered toward subprime loans, which were not backed by the government and lacked the advantages of the FHA- insured conventional loans, costing buyers more in interest and other fees. A 1. 99. 8 Department of Housing and Urban Development (HUD) study found that subprime loans were five times more likely in black neighborhoods in Atlanta than in white neighborhoods. That history extended to the present era, as was made clear after the housing bust that helped produce the Great Recession. In 2. 01. 2, five major lenders agreed to a $2. Department of Justice and HUD found loan and foreclosure abuses that escalated seizures of homes, many those of nonwhite owners. Subsequent investigations have found that the lenders are not in compliance with that agreement, or are only partially so. Other settlements dealt with the issue of race directly, including a $3. Countrywide Financial and the Department of Justice to settle allegations that black and Latino buyers were steered into subprime mortgages and charged higher fees. PNC Bank and Wells Fargo also entered multimillion- dollar settlements based on allegations of racial discrimination. A Wall Street Journal investigation of $2. And a separate study of Home Mortgage Disclosure Act data found that blacks and Latinos were more than twice as likely as whites of similar finances to get subprime loans. Jeb Bush concluded his statement about . For example, sociologist Devah Pager sent college students from Milwaukee, black and white, to apply for jobs either as a non- felon or as someone with a felony drug conviction. After testing hundreds of employers, Pager found that white men with felony records were more likely to get callbacks and job offers than black men without a criminal record. Bush himself benefited from federal policies around debt and default that few Americans of any race receive. Federal regulators wrote down a $4. Miami office building to $5. His brother Neil Bush was a director of Colorado. When the S& L defaulted, the federal government paid $1 billion to repay clients. The officials settled for $4. Neil Bush paid $5. As the campaign continues, keeping the numbers on wealth and race in mind will give context to political claims about what black Americans — or any group of voters — do and don. A previous version of this article omitted an affiliation for Howard Gleckman, who writes for the Tax Policy Center. The center is a joint venture of the both the Brookings Institution and the Urban Institute, not just of Brookings. FHA Home Equity Loans Missouri . Department of Housing and Urban Development. Borrowers with FHA home loans pay for mortgage insurance which protects the lender from a loss should the borrower default on the loan. Because of that insurance, lenders can offer attractive interest rates.*Can I qualify for an FHA mortgage loan? Good candidates for FHA loans include: ? The FHA insures your home loan, so that we, the lenders can offer you a better deal such as. Borrowers get their home loan through an FHA- approved lender, not directly from the FHA. Mortgage insurance is required. Two mortgage insurance premiums are required on all FHA loans. The first up front premium is 1. LTV greater than 9. LTV less than 9. 0 %). The up front premium is paid when the borrower gets the loan. It can be financed as part of the loan. The annual premium is paid monthly with each month’s mortgage payment. As the down payment is much lower, the FHA loan is usually the best mortgage choice. Need extra cash for home repairs? The FHA has a type of loan called a 2. K and the amount is based on the projected value of your home after the repairs are completed. Another version of this loan, the FHA’s 2. K Streamline Program allows the borrower to finance up to $3. The FHA expects a property to be livable from day one. Buyers of distressed properties need to win a clean bill of health and the Streamline program allows homeowners to borrow up to $3. What if I experience financial hardship? Is there some help available? Loan servicers can offer some relief to borrowers who have an FHA- insured loan and are struggling to make their payments. The temporary relief may include. 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