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Lawmakers move to help veterans at risk of losing their homes
Former Marine Jason Miles stands in front of his home in Clinton, Miss. He lost a sales job during the pandemic and had to take a forbearance.
Imani Khayyam for NPR
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Imani Khayyam for NPR
Former Marine Jason Miles stands in front of his home in Clinton, Miss. He lost a sales job during the pandemic and had to take a forbearance.
Imani Khayyam for NPR
The chairmen of the U.S. Senate’s Banking and Veterans Affairs committees introduced a bill Thursday to help veterans at risk of losing their homes because of a COVID-assistance program that the VA ended abruptly in 2022.
The bill, which they call the “Veterans Housing Stability Act,” would let the Department of Veterans Affairs restart the program, which thousands of veterans used to skip mortgage payments when they faced pandemic-related financial problems.
“Our veterans earned their home loan guarantee benefit, and they deserve a viable option to get back on track with payments and keep their homes,” said Sen. Jon Tester, a Montana Democrat and chairman of the Veterans Affairs Committee. He sponsored the bill along with Sen. Sherrod Brown, an Ohio Democrat who heads the Banking Committee.
Sen. Jon Tester (D-Mont.) departs from a briefing for U.S. Senators at the U.S. Capitol Building on Sept. 7, 2023.
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Sen. Jon Tester (D-Mont.) departs from a briefing for U.S. Senators at the U.S. Capitol Building on Sept. 7, 2023.
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Like millions of other Americans, veterans took advantage of what’s called a COVID mortgage forbearance, which allowed homeowners to stop paying their mortgage for six to 18 months. It was set up by Congress after the pandemic hit for people who lost income. But an NPR investigation last November found that tens of thousands of veterans who took a forbearance were suddenly left with no way to resume making payments after the VA ended a crucial part of the program for people with VA loans.
One homeowner affected was Marine combat veteran Jason Miles.
Miles served four tours, in Iraq, Afghanistan and Syria. He lost a sales job during the pandemic and had to take a forbearance when he couldn’t afford his mortgage. Like many veterans, he was told the missed payments would be moved to the back end of his loan term. But then the VA ended the part of the program that allowed homeowners to do that, leaving Miles and thousands of others facing foreclosure.
“This is horrifying,” Miles told NPR in November. “I’m scared to death that we’re about to lose our home.”
After NPR first reported on the problem, the VA stopped the foreclosures and announced a 6 month pause while it worked to roll-out a fix.
The sponsors of Thursday’s bill say their legislation could play a key role. It would make clear that the VA has the authority to restart the program that it shut down back in 2022.
Sen. Sherrod Brown (D-Ohio) looks on during a Senate Committee hearing on May 16, 2023.
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Sen. Sherrod Brown (D-Ohio) looks on during a Senate Committee hearing on May 16, 2023.
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Brown said the bill “will keep our promises to veterans and servicemembers today and in the future by giving homeowners affordable options to stay in their homes.”
The VA’s Partial Claim Payment program enabled mortgage companies to bundle up the missed payments from a forbearance and effectively move them to the back of the loan term so the homeowner could just return to making their normal mortgage payments – with the same principal and interest payment and interest rate as before the forbearance. The missed payments would get paid back when the homeowner sold the house or refinanced down the road.
The VA told NPR it had concluded that it no longer had the authority to do that after October of 2022. Industry and housing experts disagreed and warned the VA that given a historic spike in mortgage rates, ending the program would strand thousands of veterans with no affordable way to get current on their loans. But the VA ended the program anyway and didn’t replace it.
Since the 1940s, loans backed by the VA have been a bedrock part of the benefits offered to military veterans. But since October of 2022, VA loans have had worse options for homeowners who are behind on payments compared to mortgages backed by the FHA or the government sponsored enterprises Fannie Mae and Freddie Mac.
“Our veterans and servicemembers need to be able to bring their mortgage current,” said Tester. “Our bill will ensure they can do that and are granted the same options as they would be under other federally-backed loans.”
The VA guarantees the loans, but they’re actually made and managed by private lenders, who appear supportive of the Senate bill.
“We think a partial claim, which is necessary to enable forbearance in the VA program, is very important,” said Justin Wiseman with the Mortgage Bankers Association. The group has been calling on the VA to offer more affordable ways for homeowners to get current.
Alongside the new legislation, the VA says it is working on a new loan modification program that could help the thousands of vets who were delinquent or in the foreclosure process before it paused foreclosures.
At a press conference on Tuesday, VA Secretary Denis McDonough said he is eager to work with Congress on a fix for the forbearance problem, and promised the VA’s own fix would be ready by summer.
“Each of these steps is meant to ensure that our veterans who have confronted this difficult challenge know that we’re here for them and we can help them manage through this period coming out of the pandemic,” said McDonough, “If that is not the case, I urge our veterans to please be in touch with us so that we can address any questions or concerns or confusion that they’re encountering.”
But while homeowners who were on the verge of foreclosure have a reprieve, there’s another group of vets that may not be getting any help.
Many people with VA loans ended up in loan modifications with much higher monthly payments as a result of the VA ending its pandemic relief program. The VA hasn’t yet told NPR how many veterans this happened to or whether it is going to do anything for them. In an interview with NPR, Sen. Tester acknowledged that this initial bill doesn’t address those veterans – but he vowed that they will be made whole.
“The VA needs to be tracking this and we’re going to continue to put pressure on them,” Tester said.
The VA has paused home foreclosures, which gives Miles some breathing room.
Imani Khayyam for NPR
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The VA has paused home foreclosures, which gives Miles some breathing room.
Imani Khayyam for NPR
As for veteran Jason Miles in Mississippi, back in November his mortgage company was telling him he had to come up with a years worth of missed payments all at once to make his loan current.
“It was essentially you’ve gotta pay the $20,000 or you’re going into foreclosure.”
These days Miles is a teacher and a coach at Clinton Christian Academy, a high school in Clinton, Miss. But even after selling some furniture and some of his firearms, there was no way he could come up with a lump sum payment to avoid losing the house where he lives with his wife and three children.
He could, however, afford to resume making his monthly mortgage payments. But his mortgage company still won’t accept monthly payments unless he somehow gets his loan current again.
Now that the VA has paused foreclosures, that gives Miles some breathing room. He just hopes the VA can actually come up with a fix.
“I’m still very nervous about it,” he says. But he adds, “I have hope now.”
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Map: 5.1-Magnitude Earthquake Strikes off the Coast of California
Note: Map shows the area with a shake intensity of 3 or greater, which U.S.G.S. defines as “weak,” though the earthquake may be felt outside the areas shown. The New York Times
A moderately strong, 5.1-magnitude earthquake struck in the North Pacific Ocean on Wednesday, according to the United States Geological Survey.
The temblor happened at 5:45 a.m. Pacific time about 40 miles west of Petrolia, Calif., data from the agency shows.
As seismologists review available data, they may revise the earthquake’s reported magnitude. Additional information collected about the earthquake may also prompt U.S.G.S. scientists to update the shake-severity map.
Subsequent quakes have been reported in the same area. Such temblors are typically aftershocks caused by minor adjustments along the portion of a fault that slipped at the time of the initial earthquake.
Aftershocks detected
Quakes and aftershocks within 100 miles
Aftershocks can occur days, weeks or even years after the first earthquake. These events can be of equal or larger magnitude to the initial earthquake, and they can continue to affect already damaged locations.
The New York Times
When quakes and aftershocks occurred
Sources: United States Geological Survey (epicenter, aftershocks, shake intensity); LandScan via Oak Ridge National Laboratory (population density) | Notes: Shaking categories are based on the Modified Mercalli Intensity scale. When aftershock data is available, the corresponding maps and charts include earthquakes within 100 miles and seven days of the initial quake. All times above are Pacific time. Shake data is as of Wednesday, June 3 at 6:03 a.m. Pacific time. Aftershocks data is as of Wednesday, June 3 at 8:01 a.m. Pacific time.
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California’s primary for governor is undecided as candidates vie to be in the top two
Xavier Becerra, Democratic gubernatorial candidate for California, and Steve Hilton, Republican gubernatorial candidate for California, shake hands while arriving for a gubernatorial debate at KRON Studios in San Francisco in April.
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SAN FRANCISCO — The primary election for California governor is too close to call, with vote counting continuing Wednesday. Democrat Xavier Becerra and Republican business executive Steve Hilton lead the field with Democrat Tom Steyer in third place.
In California’s unusual primary system, all candidates, regardless of party, appear on a single ballot open to any registered voter. The top two candidates then move on to the general election, even if they’re from the same party. This year, voters had 60 names for governor to choose from.
The winner will lead the country’s most populous state, where leaders often take on national political prominence. Incumbent Gov. Gavin Newsom is at his two-term limit and could be a Democratic contender for president.
Becerra, former Health and Human Services secretary under President Joe Biden, pitched himself to voters as an experienced political leader who isn’t afraid of President Trump, but his lead caps one of the most surprising and dramatic comebacks in recent state political history. As recently as April, polls were showing Becerra — also a former member of Congress and California attorney general — languishing in single digits in a crowded field.
In his remarks at his watch party in Los Angeles, Becerra noted his underdog status.
“Here in Hollywood’s hometown, we love a good underdog success story,” he said, drawing parallels between his campaign and his immigrant parents’ success story in California. “Guess what? The underdog stayed in the fight. Like my parents, I never gave up. Never stopped putting one foot in front of the other. Never stopped believing in the beacon-like goodness of California. And thankfully, neither did you.”
Hilton is a former Fox News commentator who also served as a political adviser to former British Prime Minister David Cameron. He was endorsed by President Trump in April, helping him to pull ahead of Riverside County Sheriff Chad Bianco, the other major Republican in the race. Hilton has campaigned on the idea that California needs change after 16 years under total Democratic control.
The race is narrowing down after a tumultuous campaign
At his watch party in Huntington Beach, the British-born candidate — who became an American citizen five years ago — said it was the “honor of his lifetime” to receive over 1 million votes so far.
“Change is coming to California and it’s long overdue,” Hilton said. “We’re not there yet, but it’s looking good. It looks very much as if Californians really will have the chance to vote for change in November and take our state in a new direction.”
Democratic billionaire activist Steyer spent more than $213 million of his own money to boost his candidacy and push a progressive, populist message. While he was trailing Becerra and Hilton on Tuesday night, he said at his watch party in San Francisco that he remains confident he can close the gap in the days ahead.
“Together, we’ve scared the hell out of the corporate interests used to getting their way,” Steyer said. “It might take some time to figure out where this is going. We’re going to wait until every ballot is counted. We’re gonna give democracy a time to work. And we know we finished really strong.”
The early results are not certain to hold, in part because of unusual voting patterns in this primary election: Ballot-tracking data heading into Tuesday evening showed that Republicans were more likely to vote early by mail, while Democratic voters in this deep-blue state held onto their mail-in ballots or chose to vote in person. That’s the reverse of recent elections, which saw more Democrats voting by mail and Republicans tending to vote in person on Election Day.
The uncertainty on election night capped a race that remained crowded and unsettled to the end. To some extent, the race was defined by who wasn’t running.
Some of the state’s most high-profile Democrats — former Vice President Kamala Harris, U.S. Sen. Alex Padilla and California Attorney General Rob Bonta — all passed on a potential bid to succeed Newsom.
The race was disrupted in April when then-U.S. Rep. Eric Swalwell’s campaign for governor imploded amid allegations of sexual assault and harassment. Swalwell resigned from Congress shortly after the accusations surfaced and has denied assault allegations.
Swalwell had been gaining in polls and racking up high-profile endorsements, and his exit seemed to primarily benefit Becerra, who had been stuck in single digits in many polls. Ultimately, it quieted fears among Democrats who worried that the messy Democratic field could result in Bianco and Hilton winning the top spots in the June primary.
Marisa Lagos covers California politics at KQED and co-hosts the Political Breakdown show and podcast.
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Supreme Court reinstates Republican-favored Alabama congressional districts
The U.S. Supreme Court
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The Supreme Court on Tuesday cleared the way for Alabama to use a congressional district map favored by Republicans.
The court, in an unsigned order, overturned a three-judge district court panel that found that the map is “tainted by intentional race-based discrimination.” The court’s three liberals publicly dissented.
The ruling means that Alabama’s 2026 midterm elections will feature six Republican-leaning districts and one Democratic-leaning one, as opposed to a map with only five safe Republican seats. Democrat Shomari Figures, who represents Alabama’s Second District, will likely lose his seat as a result of the high court’s ruling.
The story of Alabama’s congressional map is long and tortured. It began in 2021, when the state implemented a new map to account for population changes in the census. The map featured only one majority-black district out of seven, even though the state is more than one-quarter Black.
Voters immediately sued, claiming the map illegally diluted minority votes in violation of the Voting Rights Act and the Constitution. Lower court judges agreed, ruling that the state must draw a map with two districts where Black voters have a realistic chance of electing their candidate of choice. The Supreme Court more than once has ordered Alabama to draw a compliant map.
But the state has refused and instead continued to litigate the case. On Tuesday, that tactic paid off.
What changed? In April, the Supreme Court’s conservative supermajority all but gutted what remains of the Voting Rights Act, ruling that states cannot purposefully draw districts that are majority-minority.
Alabama then asked the high court to reinstate the state’s old map, under the theory that this new ruling meant that it was permissible to use a map with only one majority-Black district. In an unsigned, unexplained order in May, the high court essentially reversed its previous opinions, and allowed Alabama to use the old map for the upcoming midterm elections.
This set off a flurry of activity in Alabama. By the time the Supreme Court issued its May order, absentee balloting had already begun, using the court-drawn map. So Republican Governor Kay Ivey cancelled elections and scheduled a special primary for August for the affected congressional races.
The case, however, was not over.
In its ruling, the Supreme Court had ordered a lower court panel to continue evaluating Alabama’s map in light of its recent Voting Rights Act decision. And just 15 days after that order, the panel, composed of three Republican judges—two of them Trump appointees—concluded unanimously that even under the Supreme Court’s new standards, the plan for a single black district was “intentionally discriminatory.”
So, once again, Alabama returned to the Supreme Court, arguing that the map was partisan, not racially discriminatory. In short, that the Republican legislature simply drew the map to elect more Republicans. And that under the Supreme Court’s new interpretation of the Voting Rights Act, the GOP map should be allowed to stand.
The court’s conservative agreed, writing that the lower court “did not heed the presumption of legislative good faith.”
The court’s three liberals publicly dissented, castigating the conservative majority for failing to abide by its 2006 decision in the case of Purcell v. Gonzalez. That decision declared that courts should not change election rules too close to an election.
Justice Sonia Sotomayor, in her dissent, said the court “debases the democratic process” and “corrodes the rule of law by rewarding Alabama’s gamesmanship and outright defiance of court orders.”
Tuesday’s decision is the latest in a series of Supreme Court rulings that could well reshape the 2026 midterm elections, making it much harder for Democrats to prevail.
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