Chris Arnold

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.

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.

Well, now, when tens of thousands of veterans took COVID forbearance, they paused mortgages temporarily. But it was up to the VA to decide how those missed payments could eventually be paid back. Like literally to decide what the options would be for those homeowners when they were ready to start paying again. Chris has this useful way to picture the whole thing.

Well, now, when tens of thousands of veterans took COVID forbearance, they paused mortgages temporarily. But it was up to the VA to decide how those missed payments could eventually be paid back. Like literally to decide what the options would be for those homeowners when they were ready to start paying again. Chris has this useful way to picture the whole thing.

Well, now, when tens of thousands of veterans took COVID forbearance, they paused mortgages temporarily. But it was up to the VA to decide how those missed payments could eventually be paid back. Like literally to decide what the options would be for those homeowners when they were ready to start paying again. Chris has this useful way to picture the whole thing.

Yeah, all those other, you know, rich friend entities, Fannie, Freddie, et cetera, that help people get mortgages. Well, they also got to determine their homeowners' forbearance repayment options, and those all seem to be going fine. What Chris's source was telling him was that sometime in October 2022...

Yeah, all those other, you know, rich friend entities, Fannie, Freddie, et cetera, that help people get mortgages. Well, they also got to determine their homeowners' forbearance repayment options, and those all seem to be going fine. What Chris's source was telling him was that sometime in October 2022...

Yeah, all those other, you know, rich friend entities, Fannie, Freddie, et cetera, that help people get mortgages. Well, they also got to determine their homeowners' forbearance repayment options, and those all seem to be going fine. What Chris's source was telling him was that sometime in October 2022...

The VA had stopped allowing the one repayment option that Ray and Becky Queen had thought they were getting, where they pause their payments, restart the payments, and the missed payments go all the way to the back of the loan. It was the VA's one affordable on-ramp.

The VA had stopped allowing the one repayment option that Ray and Becky Queen had thought they were getting, where they pause their payments, restart the payments, and the missed payments go all the way to the back of the loan. It was the VA's one affordable on-ramp.

The VA had stopped allowing the one repayment option that Ray and Becky Queen had thought they were getting, where they pause their payments, restart the payments, and the missed payments go all the way to the back of the loan. It was the VA's one affordable on-ramp.