Assistance programs help homeowners who are at risk of losing their homes due to financial difficulties by providing financial support or restructuring loans. Proponents argue that it prevents people from losing their homes and stabilizes communities. Opponents argue that it encourages irresponsible borrowing and is unfair to those who pay their mortgages.
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@ISIDEWITH12mos12MO
Yes
@9N5CK4312mos12MO
It is not the responsibility of the taxpayers to save you. I do not want govenrment involved because they will inevitably try to control it.
@ISIDEWITH12mos12MO
No
@9N6DPHN12mos12MO
Homes owned by whites should be kept by those whites and in their families and should go to their immediate relatives. Sheriffs should be required to exercise their authority to prevent asset foreclosure against white homeowners, or else face charge of dereliction of duty by the state governor. If sheriffs refuse to comply, or refrain from pursuing foreclosure on homes owned and occupied by non-whites, they should face criminal punishment, preferably death.
@9N5CK4312mos12MO
If we had less government involvement in housing, including foreclosures, we'd have fewer problems with the housing market, thus fewer foreclosures.
@9NTH43Q11mos11MO
Yes, as long as drug abuse, alcoholism, or other irresponsible behavior weren’t factors in the foreclosure
@bunnies444 10mos10MO
Yes, only if there is proof that the homeowner is doing everything in their power to keep their home.
@9NJDLB2Women’s Equality11mos11MO
Depending on situation I believe the government should provide assistance
@ISIDEWITH8mos8MO
When some people receive help with their mortgage and others don't, do you think this creates an unfair situation, or is it just a necessary part of helping the most vulnerable?
@9TZTJ7QPeace and Freedom8mos8MO
i think is unfair because everyone should have the right to help themselves
@9TSY3FZ8mos8MO
Yes I think it creates an unfair advantage if one person gets help and the other one doesn't
@9TSXPTF8mos8MO
Yes because everyone works to be where they are so I feel like if they don't work as hard as other people why should they be getting the help.
@9TZTFN88mos8MO
i think its good to help those who need it, making it fair
Yes, as long as alcoholism, drug abuse, or other forms of irresponsibility played no role in the foreclosure
Situational - ex. Paid mortgage for 20 years never late and became ill. Couldn’t pay mortgage because medical treatment was 7,000 a month
@9SGS2K29mos9MO
Yes, but only if they are facing foreclosure due to things out of their control. If they bought a mansion they can't afford the government should let them fail just like big businesses that overextend themselves.
@9Q3B6HP10mos10MO
no, but there should be more help available afterwards and no penalties for first time foreclosures/evictions
@9X38KX76mos6MO
It depends on why the homeowner is facing foreclosure. If the homeowner has gone through reasonable unforeseen circumstances leading to an inability to work, then yes. Otherwise, no.
@B2GB9994mos4MO
Dependent on the circumstances. If the homeowners are facing foreclosure because of irresponsible spending, then no.
@ISIDEWITH8mos8MO
Should there be a safety net for people who fall behind on their mortgage, or could that create a situation where some people take advantage of the system?
@9TT7S458mos8MO
No, people should be able to support themselves and not rely on the on the government. People can try to cheat the system.
@9TT7DQW8mos8MO
While it would definitely create a situation where people take advantage of this, it still seems like a very useful and relevant thing to impliment.
@ISIDEWITH8mos8MO
Do you believe it's society's responsibility to help individuals facing financial hardship, or is it up to each person to handle their own debts?
@9TSY3FZ8mos8MO
I think that the government should help a little bit for people and help them get back to their feet and help them get a stable job.
@9TSXN3F8mos8MO
It isn't directly society's responsibility, but some people handle debt differently and need financial aid in order to get out of debt and basically live and make money.
@9S2PG439mos9MO
The steak and local government should be the assistance providers, the federal government should not be involved in this, beyond any other capacity, besides providing funds
@9WJB79N7mos7MO
I think that if they do that we will be spending more money on that and not be focused on the other things happening in the world, so I don’t think it will be the right thing to do.
@ISIDEWITH8mos8MO
How would losing homes in your community impact the neighborhood, and what value do you see in keeping people in their homes?
@9TRMZDK8mos8MO
Many people don’t have jobs that pay them enough to keep them in their homes and being taken out of them will just make everything worse. The cost of housing is currently too high especially for the middle and lower class. People worked to get the homes they’re in now and should be able to keep them and should be able to afford them.
@B595YM34 days4D
Depending on the issue behind, the owner facing foreclosure. If they are really trying and are able to pay with help, then it's possible to help.
@B555F6X1wk1W
Depending on the homeowner's credit score, the government should help them only when holding a proven track record. Keep in mind I know nothing of credit scores.
@B5555CN1wk1W
Yes, but only in the case of financial hardship that was not brought about by irresponsible borrowing and/or spending habits.
@B54JBZF1wk1W
Yes, but only after a thorough investigation of why the individual is losing their house, and determining that reason, in addition to how much the person contributes to society.
@B53HSCD2wks2W
Yes, but they should make it so that if it happens over a set number of times or they are being irresponsible with it, they are no longer eligible for assistance
@B4YKFQR2wks2W
Yes, but only either as a last resort or if the government was responsible for the foreclosure in the first place.
@anim_xst 2wks2W
Yes, but it depends on the reason for the foreclosure. For example, the government has no obligation to provide assistance to somebody who cannot reasonably afford the home
@B4VBZQB3wks3W
Yes, restructuring loans only if there is a good reason (medical or loss of job) and they are working out a way to improve their situation. But should be temporary until they are back on their feet.
@B4SZQNT 3wks3W
Yes, and companies should not be allowed to acquire already built homes. A foreclosure should only be finalized when another homeowner is prepared to purchase the property and the current owner agrees to the sale, or a jury decides the original loan agreement was fair, the current selling price is fair, and mandates the owner to sell.
@B4RHF2H3wks3W
Yes, but only if they lost it due to bankruptcy or extreme financial loss, due to medical bills or involuntary job-loss.
@B4RFL583wks3W
Only if there is a serious issue for example, a wife lost her husband who contributed heavily to the bills and now cannot afford to pay it, or if someone is struggling with medical bills.
@B4QN3TF3wks3W
Yes, but only use it on people who have families and are trying there hardest, not on people who are unresponsible and using their money on the wrong things.
@B4NXVKH4wks4W
Yes, If they are responsible people that are facing foreclosure for reasons that they cannot control.
@B4LMCRB4wks4W
yes, only if the homeowner is receiving financial help from the government already and can prove they need the assistance.
@9ZTQW4V 4wks4W
Yes, but with targeted assistance that focuses on homeowners who fell into hardship due to systemic factors (medical debt, job loss, economic downturns) — not reckless or speculative borrowing.
@B4KLCSB1mo1MO
IF the homeowner have good credit then yes but if not then they government should help them get into affordable housing
@B4KC2HZ1mo1MO
Somewhat but only if necessary. If the person is someone that is reoccurring with not paying their bills and have done for it more than 4 years they shouldn't receive the help and they should only get foreclosure help should only be offered once to a person.
@B4HGYGHRepublican1mo1MO
If they are a part of a vital industry like farming or dairy, then yes; otherwise, they probably are not. It would use up too much money.
@B4G494B1mo1MO
Government should provide assistance when homeowners can show proof that they are trying to make payments by getting another job, looking for a job honestly, putting forth effort on their end.
@B4FYW391mo1MO
Only the foreclosure is because said person couldn't keep up and not because said person refused or was quoted "too lazy".
@B4FJYXS1mo1MO
depending on the situation of which the homeowners are in, the government should then asses that situation and then move on from there whether assistance should be given.
@B4FGGSB1mo1MO
Under certain circumstances. A coherent policy that ensures that this is combined with efforts to reduce housing costs, protect people from predatory loans, and prioritize/protect people based on duration of residence in the house and number of people affected by the forclosure.
@B4FCJW4Republican1mo1MO
No, unless they are elderly and/or disabled for the sake of low taxes, capitalism, weak government, and low national debt.
@B4FBB9G1mo1MO
I believe there should be some direct towards optional housing. Lets say they have so many months to figure it out.
@B4DYSMF1mo1MO
Only for those that really need it, not for the rich. We should avoid incentivizing poor financial decisons.
@B4D6KHP1mo1MO
No, for the sake of low taxes, low national debt, checks and balances, weak government, federalism, and capitalism.
@B4CSJFP1mo1MO
Yes the government should provide assistance to homeowners facing foreclosure but don't over do it with the help because it will eventually lead to irresponsible borrowing because people think they can rely on the government forever for help with paying their bills.
@B4BK4TW1mo1MO
Yes, but documentation needs to be provided as to why assistance is needed. There needs to be some kind of hardship that let up to the foreclosure proceedings taking place.
@B49J46FProgressive1mo1MO
Yes, but impliment strict requirements and a limit to how many times assistance is allowed to be recieved
@B48ZGNN1mo1MO
If the debtor falls 90 days behind on the mortgage, I would support a conversion of the agreement from a mortgage to a “rent with option.” If they bring the agreement current, the mortgage resumes; if they fall 180 days behind, the lien holder can convert the “rent with option” into a straight month to month lease, and remove the occupants in 30 days.
@B48ZCBPRepublican1mo1MO
Yes and no. I believe it should depend on the reason the foreclosure was started. If the homeowner hit a tough patch and is actively trying to catch up then I believe yes. If the homeowner is not doing anything to help, then no.
@B48N5WB1mo1MO
Yes, however, this option should only be available for a certain number of times, and presented to those who are employed, and can pass a drug test.
@B48MMN31mo1MO
Yes, but they don’t have a criminal background and have to prove they are allocating the funds properly
@B3ZYM5D2mos2MO
No. This will result in higher interest rates, higher taxes, and a higher national debt. On top of that, that seems like a mockery of capitalism, checks and balances, federalism, and weak government.
@B3Y6VMY 2mos2MO
It would need to have specific criteria, proof, and if valid cases yes, but without specific criteria you’ll have people purposefully buying houses the can’t afford and they’ll know they’ll be bailed out.
@B3XFQCW2mos2MO
Yes, but with oversight to ensure program isn’t abused by those willingly refusing to foot the bill.
@B3VGV2T 2mos2MO
Yes, governments, at both federal and state levels, often provide assistance to homeowners facing foreclosure through programs like the Homeowner Assistance Fund (HAF) and by connecting homeowners with HUD-approved housing counselors to explore options and resources.
@B3T3XFG2mos2MO
Depends on the situation, people who work hard and can no longer afford it, yes. People who chose to not work for a long time and karma is catching up to them now, absolutely not.
@B3N8PNC2mos2MO
The government should mandate that lenders provide alternate options for homeowners other than immediate foreclosure whether that be renegotiated payment plans or some other mitigation option before going to absolute foreclosure.
@B3MZKGF2mos2MO
Yes, depending on financial background history (how much they contributed to government funding, credit, what happened to force them into foreclosure).
@B3K94X52mos2MO
Sometimes it depends on if that person needs financial help or is just too lazy to pay the bills and doesn't care
@B3JG3RX2mos2MO
Depends on the situation. In the case of thousands of federal workers being laid off, this can put people into default, and in this case, yes. There is no black or white answer.
@B3GT2Q92mos2MO
Yes but make sure that these homeowners are trying to geta job or work harder. Don't just let them rely on the government if something bad happens.
@B3FKQ66Republican2mos2MO
I think that their is enough help out their already, that if its being foreclosed its on you. assisted living other things like that are their to help but truly it on them other then that.
@B3FBF5SProgressive 2mos2MO
Yes, provided employment is verified, and all other avenues or resources have been met. Favorable loan restructuring only.
@B3DVFJ9 2mos2MO
Yes as long as its an unforeseen hardship and not just they quit their job and haven't paid for 3 years, I would prefer a restructuring of loan instead of support first.
@B3DL93M2mos2MO
it depends on the situation, person, and the area. provide assistance to whom? and can the government really afford to assist a large amount of money to a large amount of people?
@B3BZLTPRepublican2mos2MO
Yes, but only for people who are like financially responsible and actually need it, I do agree that it could encourage irresponsible borrowing and is unfair to people who pay their mortgages.
@B3BXW3Q2mos2MO
Depending on reasoning for the foreclosure should depend on requirements for funding much like insurance coverage
@B3B8VRF2mos2MO
As long as the person is doing all they can and responsibly working to keep their home as well. If they severely can't afford their home, help them find a cheaper house not to far away. If no local, cheaper housings are available give them a couple months to relocate or wait for something to come up.
@B36KBRF3mos3MO
yes but you have a certain amount of time before they stop helping so you have time to get your financial situation more stable.
@B366YX83mos3MO
Yes, if they have been largely faithful in paying out their mortgage and find themselves now unable to do so
@B35C8WL3mos3MO
Should new Zealand labour party leader provide more funding in tentants hands issued by Ireland prime minister disagree and under surveillance teams are watched
@B34TSKWRepublican3mos3MO
I think yes and no it just depends on how the person is, if they blow their money then no don't help him, but if they are just struggling to pay because something happened in some type of way then yes
@B34G9G23mos3MO
No, but abolish all property taxes and replace them with a land-value tax on all secondary properties instead and ban the use of police in enforcing evictions
@B32Q5X33mos3MO
Housing should be more affordable so that people don’t have to borrow so much money and risk foreclosure
@B32PNYW3mos3MO
Yes, but only if the homeowners can show they are making concerted efforts to try and keep the home.
@B2TDDTBRepublican3mos3MO
Yes, only if the homeowner can prove that they have taken steps to try and help themselves first and show financial responsibility.
@B2QZQCN3mos3MO
If the homeowners face unexpected tragedies, then yes. If it is because of poor budget and spending on the homeowners part then no
@B2QTLMQ3mos3MO
Yes, but only if their reasons for needing assistance are due to medical expenses, a family member dying, a family member being hospitalized, being scammed, or being the victim of a crime.
@LoopedCheese1Democrat 3mos3MO
Only if the foreclosure is occurring because of outside circumstances and not the buyer being financially irresponsible
@B2PMTB43mos3MO
There would be an assessment to find out why they are in foreclosure. There would be no assistance for second homes or investment properties. If the assessment shows job loss, natural disaster, health or other hardships, assistance for relocation would be helpful. Sometimes the family cannot afford to stay in the home and they need to cut their losses.
@B2KZ4WW3mos3MO
Yes, depending on the circumstances surrounding the foreclosure and if the homeowner meets the requirements to obtain assistance.
@B2KNPRB4mos4MO
I think homeowners should be helped but penalized and flagged in a system. that way it prevents that careless behavior and loan agencies can see that this person needed help in the past and now they are right back where they were and did not learn a lesson.
Yes, but only depending on the reason being something out of the homeowner's hands rather than incompetence.
@B2H63PX4mos4MO
Yes, but it depends on an individual basis, is the reason for the foreclosure mismanagement of funds - no; if an illness or natural disaster happens, yes.
@B2G2J234mos4MO
Maybe provide a little assistance but not too much where its very unfair for those who pay mortgages.
@B2CVHFG4mos4MO
Yes, with background checks on drug abuse, bad financial decisions(credit or otherwise), and criminality involved in the process of determining if the person is responsible and financial failings are due to the economic and social state that they are in
@B2CST7J4mos4MO
Yes, if foreclosure was due to finiacial inability- not for recklessness like putting money into drug use and gambling
@B28NQH44mos4MO
Yes, as long as they pay it back with interest. And file a lien against the home so the government will get their money back once the home is sold.
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