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Lawmakers move to help veterans at risk of losing their homes

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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.

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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.

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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.

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“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.

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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.

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“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.

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“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.

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The VA has paused home foreclosures, which gives Miles some breathing room.

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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.

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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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US planning to seize Iran-linked ships in coming days, WSJ says | The Jerusalem Post

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US planning to seize Iran-linked ships in coming days, WSJ says | The Jerusalem Post

The US is planning to board and seize Iran-linked oil tankers and commercial ships in the coming days, according to a Saturday report by The Wall Street Journal.

The report noted that these actions would take place in international waters, potentially outside of the Middle East.

The US “will actively pursue any Iranian-flagged vessel or any vessel attempting to provide material support to Iran,” US Chairman of the Joint Chiefs of Staff Gen. Dan Caine said. “This includes dark fleet vessels carrying Iranian oil.”

“As most of you know, dark fleet vessels are those illicit or illegal ships evading international regulations, sanctions, or insurance requirements,” Caine continued.

Caine was further quoted as saying that the new campaign, which would be operated in part by the US Indo-Pacific Command, would be part of a broader US President Donald Trump-led campaign against Iran, known as “Economic Fury.”

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 White House spokeswoman Anna Kelly told the WSJ that Trump was “optimistic” that the new measures would lead to a peace deal.

The potential US military action comes as Iran tightens its grip on the Strait of Hormuz, including attacking several ships earlier on Saturday, the WSJ reported.

The report cited CENTCOM as saying that the US has already turned back 23 ships trying to leave Iranian ports since the start of its blockade on the Strait.

The expansion of naval action beyond the Middle East will provide the US with further leverage against Iran by allowing it to take control of a greater number of ships loaded with oil or weapons bound for Iran, the report noted.

“It’s a maximalist approach,” said associate professor of law at Emory University Law School Mark Nevitt. “If you want to put the screws down on Iran, you want to use every single legal authority you have to do that.”

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Iran claimed earlier on Saturday that it had regained military control over the Strait, intending to hold it until the US guarantees full freedom of movement for ships traveling to and from Iran.

“As long as the United States does not ensure full freedom of navigation for vessels traveling to and from Iran, the situation in the Strait of Hormuz will remain tightly controlled,” the Iranian military stated.

In addition, Iranian Supreme Leader Mojtaba Khamenei declared on Saturday in an apparent message on his Telegram channel that the Iranian navy is prepared to inflict “new bitter defeats” on its enemies.

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Video: The Origins of the Supreme Court’s Shadow Docket

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Video: The Origins of the Supreme Court’s Shadow Docket

new video loaded: The Origins of the Supreme Court’s Shadow Docket

Secret memos obtained by The New York Times illuminate the origins of the Supreme Court’s shadow docket. Our reporter Jodi Kantor explains what these documents reveal about the court.

By Jodi Kantor, Alexandra Ostasiewicz, June Kim and Luke Piotrowski

April 18, 2026

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What’s it like to negotiate with Iran? We asked people who have done it

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What’s it like to negotiate with Iran? We asked people who have done it

A Pakistani Ranger walks past a billboard for the U.S.-Iran peace talks in Islamabad on April 12, 2026. The talks, led by Vice President JD Vance, produced no concrete movement toward a peace deal.

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Despite stalled talks with Iran and a fragile ceasefire nearing its end, President Trump expressed optimism this week that a permanent deal is within reach — one that may include Iran relinquishing its enriched uranium. However, experts who spent months negotiating a nuclear agreement during the Obama administration say mutual mistrust, starkly different negotiating styles make a quick truce unlikely.

Referring to Vice President Vance’s whirlwind negotiations in Islamabad last week that appear to have produced little beyond dashed expectations, Wendy Sherman, the lead U.S. negotiator on the Joint Comprehensive Plan of Action (JCPOA) nuclear deal finalized in 2015, says the administration’s approach was all wrong.

“You cannot do a negotiation with Iran in one day,” she told NPR’s Here & Now earlier this week. “You can’t even do it in a week.” To get agreement on the JCPOA, she said, it took “a good 18 months.”

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The talks leading to that deal highlighted Iran’s meticulous style of negotiation, says Rob Malley, who was also part of the JCPOA negotiating team and later served as a special envoy to Iran under President Joe Biden.

Summing up the two sides’ differing styles, Malley said: “Trump is impulsive and temperamental; Iran’s leadership [is] stubborn and tenacious.”

U.S. Secretary of State John Kerry speaks during a news conference on the Iran nuclear talks deal at the Austria International Centre in Vienna, Austria on July 14, 2015.

U.S. Secretary of State John Kerry speaks during a news conference on the Iran nuclear talks deal at the Austria International Centre in Vienna, Austria on July 14, 2015.

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In 2015, patience led to a deal

The talks in 2015, led by Secretary of State John Kerry and Iran’s Foreign Minister Mohammad Javad Zarif, culminated with a marathon 19-day session in Vienna to finish the deal, says Jon Finer, a former U.S. deputy national security adviser in the Biden administration. Finer was involved in the negotiations as Kerry’s chief of staff. He said his boss’s patience “was a huge asset” in getting the deal to the finish line, he said.

Mohammad Javad Zarif, Iran's foreign minister during the negotiations for the Obama-era nuclear deal, speaks on April 22, 2016 in New York.

Mohammad Javad Zarif, Iran’s foreign minister during the negotiations for the Obama-era nuclear deal, speaks on April 22, 2016 in New York.

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“He would endure lectures … ‘let me tell you about 5,000 years of Iranian civilization’… and just keep plowing ahead,” Finer said, adding that a tactic of Iranian negotiators seemed to be “to say no to everything and see what actually matters” to the U.S.

“They’re just maddeningly difficult,” he said. “You need to go back at the same issue 10 or 12 times over weeks or months to make any progress.”

Even so, Finer called the Iranian negotiators “extremely capable” — noting that, unlike the U.S., they often lacked expert advisers “just outside the room,” yet still mastered the details of nuclear weapons, nuclear materials and U.S. sanctions.

“They were also negotiating not in their first language,” Finer added. “The documents were all negotiated in English, and they were hundreds of pages long with detailed annexes.”

Vance’s trip to Islamabad suggests that the U.S. doesn’t have the patience for a negotiation to end the conflict that could be at least as complex and time-consuming. “The Trump administration came in with maximalist demands and actually just wanted Iran to capitulate,” Sherman, who served as deputy secretary of state during the Biden administration, told Here & Now. “No nation – even one as odious as the Iran regime – is going to capitulate.”

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Distrust but verify

Iran was attacked twice in the past year. First in June of last year, as nuclear negotiations were ongoing, Israel and the U.S. struck the country’s nuclear facilities. Months later, at the end of February, Iran was attacked again at the start of the latest conflict. This time around, “the level of trust is probably almost at an all-time low,” Malley said.

“It’s hard for them to take at their word what they’re hearing from U.S. officials,” Malley said. The Iranians, he said, have to be wondering how long any commitment will last and “will be very hesitant to give up something that’s tangible” – such as their enriched uranium – in exchange for anything that isn’t ironclad or subject to suddenly be discarded by Trump or some future president.

“Once they give up their stockpile … they can’t recapture it the next day,” Malley said.

Even during the 2013-2015 nuclear deal talks, the decades of mistrust between Tehran and Washington were impossible to ignore, Finer said. “Our theory was not trust but verify — it was distrust but verify,” he said, adding: “I think that was their theory too.”

Malley cautions about relying on the JCPOA as a guide to how peace talks to end the current war might go. The leadership in Tehran that agreed to the deal is now gone — killed in Israeli airstrikes, he says. The regime’s military capabilities are also greatly diminished and “whatever lessons were learned in the past … have to be viewed with a lot of caution, because so much has changed,” he said.

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Negotiations have a leveling effect

Mark Freeman, executive director of the Institute for Integrated Transitions, a peace and security think tank based in Spain that advises on conflict negotiations, says several factors shape the U.S.-Iran relationship. Going into talks, one side always has the upper hand, he says, but negotiations have a leveling effect. “The weaker party gains just by virtue of entering into a negotiation process,” he said.

Each side is looking for leverage, he adds.

In Iran’s case, it has used its closure of the Strait of Hormuz to exert such leverage, while the White House has shown an eagerness to resolve the conflict quickly. “If one side perceives the other needs an agreement more … that shapes the entire negotiation,” he said.

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