Chris Arnold

It is the Department of Veterans Affairs that helped Ray and Becky Queen get the house that they show to Chris and Quill.

It is the Department of Veterans Affairs that helped Ray and Becky Queen get the house that they show to Chris and Quill.

It is the Department of Veterans Affairs that helped Ray and Becky Queen get the house that they show to Chris and Quill.

When Chris first met the Queens, they were about to lose all of that. During COVID, Becky and Ray were among the millions of Americans who needed the help of mortgage forbearance. Becky's mom died of COVID. Becky had to take extended leave from her job and then lost her job. She called up the company that now handles her mortgage payments, and they told her, yeah, you can pause your payments.

When Chris first met the Queens, they were about to lose all of that. During COVID, Becky and Ray were among the millions of Americans who needed the help of mortgage forbearance. Becky's mom died of COVID. Becky had to take extended leave from her job and then lost her job. She called up the company that now handles her mortgage payments, and they told her, yeah, you can pause your payments.

When Chris first met the Queens, they were about to lose all of that. During COVID, Becky and Ray were among the millions of Americans who needed the help of mortgage forbearance. Becky's mom died of COVID. Becky had to take extended leave from her job and then lost her job. She called up the company that now handles her mortgage payments, and they told her, yeah, you can pause your payments.

Right. She says that they told her that when it was time to start making her mortgage payments again, nothing would really change. Those missed payments would move to the end of the loan. So basically, if she missed a year of payments, she would still owe those just, you know, like way, way down the road.

Right. She says that they told her that when it was time to start making her mortgage payments again, nothing would really change. Those missed payments would move to the end of the loan. So basically, if she missed a year of payments, she would still owe those just, you know, like way, way down the road.

Right. She says that they told her that when it was time to start making her mortgage payments again, nothing would really change. Those missed payments would move to the end of the loan. So basically, if she missed a year of payments, she would still owe those just, you know, like way, way down the road.

And to be clear, this is a very normal way to restart payments after forbearance. And the vast majority of homeowners who had trouble during COVID were able to resume making their mortgage payments in some affordable way. But a lot of military veterans with VA loans were not able to do that.

And to be clear, this is a very normal way to restart payments after forbearance. And the vast majority of homeowners who had trouble during COVID were able to resume making their mortgage payments in some affordable way. But a lot of military veterans with VA loans were not able to do that.

And to be clear, this is a very normal way to restart payments after forbearance. And the vast majority of homeowners who had trouble during COVID were able to resume making their mortgage payments in some affordable way. But a lot of military veterans with VA loans were not able to do that.

When the Queen's forbearance period was up, when they got their repayment options, that simple, affordable version of forbearance where you just move the missed payments to the back of the loan, it was nowhere to be found.

When the Queen's forbearance period was up, when they got their repayment options, that simple, affordable version of forbearance where you just move the missed payments to the back of the loan, it was nowhere to be found.

When the Queen's forbearance period was up, when they got their repayment options, that simple, affordable version of forbearance where you just move the missed payments to the back of the loan, it was nowhere to be found.

The clock was ticking on the Queen's home. Chris starts calling, like, everyone, trying to get an answer to what exactly is going on here. I can't remember exactly. One thing led to another, and I finally found a guy. We'll call this person a well-positioned source. And Chris wound up talking to a bunch of people to confirm everything. But yes, he found a guy.

The clock was ticking on the Queen's home. Chris starts calling, like, everyone, trying to get an answer to what exactly is going on here. I can't remember exactly. One thing led to another, and I finally found a guy. We'll call this person a well-positioned source. And Chris wound up talking to a bunch of people to confirm everything. But yes, he found a guy.

The clock was ticking on the Queen's home. Chris starts calling, like, everyone, trying to get an answer to what exactly is going on here. I can't remember exactly. One thing led to another, and I finally found a guy. We'll call this person a well-positioned source. And Chris wound up talking to a bunch of people to confirm everything. But yes, he found a guy.

And what that well-positioned source explained to Chris was essentially that The VA was being a bad rich friend because you will recall the VA is supposed to be a good rich friend that vouches for veterans, you know, promises lenders that ultimately the VA can take the hit if someone stops paying their mortgage.

And what that well-positioned source explained to Chris was essentially that The VA was being a bad rich friend because you will recall the VA is supposed to be a good rich friend that vouches for veterans, you know, promises lenders that ultimately the VA can take the hit if someone stops paying their mortgage.