Anna Helhoski

Again, since there are delays in data reporting, it's difficult to pinpoint exactly why delinquencies are happening, but usually it's due to a perfect storm situation.

Again, since there are delays in data reporting, it's difficult to pinpoint exactly why delinquencies are happening, but usually it's due to a perfect storm situation.

Again, since there are delays in data reporting, it's difficult to pinpoint exactly why delinquencies are happening, but usually it's due to a perfect storm situation.

Recent data from the Mortgage Bankers Association shows that delinquency rates on government housing loans, that's federal housing administration or FHA loans, as well as Department of Veteran Affair loans, outpaced late payments on conventional mortgages in the fourth quarter of last year. The report showed that delinquencies on conventional mortgages remained near historic lows.

Recent data from the Mortgage Bankers Association shows that delinquency rates on government housing loans, that's federal housing administration or FHA loans, as well as Department of Veteran Affair loans, outpaced late payments on conventional mortgages in the fourth quarter of last year. The report showed that delinquencies on conventional mortgages remained near historic lows.

Recent data from the Mortgage Bankers Association shows that delinquency rates on government housing loans, that's federal housing administration or FHA loans, as well as Department of Veteran Affair loans, outpaced late payments on conventional mortgages in the fourth quarter of last year. The report showed that delinquencies on conventional mortgages remained near historic lows.

Now, government loans like VA and FHA loans are available for people who most need it, including first-time homebuyers, seniors who own their homes, and people who are buying manufactured homes. All of those borrowers tend to have lower incomes or little savings for a down payment, and that means that they're less insulated from financial shocks.

Now, government loans like VA and FHA loans are available for people who most need it, including first-time homebuyers, seniors who own their homes, and people who are buying manufactured homes. All of those borrowers tend to have lower incomes or little savings for a down payment, and that means that they're less insulated from financial shocks.

Now, government loans like VA and FHA loans are available for people who most need it, including first-time homebuyers, seniors who own their homes, and people who are buying manufactured homes. All of those borrowers tend to have lower incomes or little savings for a down payment, and that means that they're less insulated from financial shocks.

The MBA report also says that more serious delinquencies, those at risk of default, are rising more with government loans than conventional as well.

The MBA report also says that more serious delinquencies, those at risk of default, are rising more with government loans than conventional as well.

The MBA report also says that more serious delinquencies, those at risk of default, are rising more with government loans than conventional as well.

It did. The NBA cited, once again, a perfect storm of pressures from inflation, lower personal savings, consumer debt, and higher taxes and insurance, among other factors.

It did. The NBA cited, once again, a perfect storm of pressures from inflation, lower personal savings, consumer debt, and higher taxes and insurance, among other factors.

It did. The NBA cited, once again, a perfect storm of pressures from inflation, lower personal savings, consumer debt, and higher taxes and insurance, among other factors.

Yeah, there have been some developments indeed, Sean. Student loan borrowers had a five-year respite from penalties if they didn't make payments. But now the federal government is ready to collect. Now, let's back up. In March 2020, student loan payments went on hiatus and didn't restart until October 2023. But the government continued to pause collections on unpaid bills.

Yeah, there have been some developments indeed, Sean. Student loan borrowers had a five-year respite from penalties if they didn't make payments. But now the federal government is ready to collect. Now, let's back up. In March 2020, student loan payments went on hiatus and didn't restart until October 2023. But the government continued to pause collections on unpaid bills.

Yeah, there have been some developments indeed, Sean. Student loan borrowers had a five-year respite from penalties if they didn't make payments. But now the federal government is ready to collect. Now, let's back up. In March 2020, student loan payments went on hiatus and didn't restart until October 2023. But the government continued to pause collections on unpaid bills.

But beginning in January of this year, federal student loan servicers, those are the companies that manage federal student loans, began reporting late payments to credit bureaus. The Education Department says that more than 5 million borrowers are in default, while 4 million are in late-stage delinquency.

But beginning in January of this year, federal student loan servicers, those are the companies that manage federal student loans, began reporting late payments to credit bureaus. The Education Department says that more than 5 million borrowers are in default, while 4 million are in late-stage delinquency.