I need your help.. This solution addresses multiple issues. I want absolutely zero credit for this. Please share so someone with the power to make changes can look at this. It would actually cost nothing.
Problems Addressed:
1. Home affordability
2. Birth rates
3. Stimulates the economy
Thread:
Family Stability Mortgage Program Treasury Anchored Housing Stability Framework
Core principle
Stable married households raising children impose lower long term public costs and generate stronger economic outcomes. Housing cost pressure is a primary driver of family instability. This program removes unnecessary financial friction by pricing mortgages for qualifying families at or near the federal government’s true cost of long term capital. This is not a subsidy program. It restructures who intermediates housing finance for the most stable households.
Primary objective
Reduce household cost of living immediately while reinforcing marriage family formation and long term stability without expanding leverage inflating housing prices or creating new entitlement spending.
Rate design philosophy
Mortgage rates under this program are anchored to the Treasury’s long duration borrowing cost. Treasury cost establishes the floor. Family status determines proximity to that floor. Rates float with Treasury conditions. There is no promise of permanently cheap money only removal of excess risk and liquidity premiums.
Universal eligibility guardrail
All borrowers must qualify as if the interest rate were the prevailing market mortgage rate. The program rate applies only after qualification. This prevents over borrowing leverage expansion and price inflation while protecting families from future payment shock.
Program structure
Track A Refinance first immediate impact
Purpose is rapid household relief without relocation construction delay or supply constraints.
Eligibility includes legally married couples primary residence only on time payment history loan to value limits no cash out beyond closing costs and seasoning requirements.
Impact is immediate monthly payment reduction stabilizing existing families lowering default risk and freeing household cash flow within one billing cycle.
Track B Purchase support family formation
Eligibility includes legally married couples primary residence only standard underwriting at market rate income and regional loan caps.
Children include biological adopted or legally placed foster children residing in the home. Rates are locked at origination and never increase.
Illustrative Treasury anchored rate tiers assuming Treasury cost of 4.5 percent
Married no children Treasury plus 1.0 percent example 5.5 percent Married plus one child Treasury plus 0.75 percent example 5.25 percent Married plus two children Treasury plus 0.50 percent example 5.0 percent Married plus three children Treasury plus 0.25 percent example 4.75 percent Married plus four or more children Treasury rate or modestly below if funding fee math supports it
Funding fee and sustainability
A one time funding fee is assessed at origination or refinance. The fee covers expected credit losses servicing and administration and builds a portfolio buffer against tail risk. Because rates are not set below Treasury cost at scale the funding fee does not finance an interest subsidy.
Portfolio economics
Borrowers priced above the Treasury floor generate positive margin which cross subsidizes administration and the most stable family tiers. At scale the program is designed to be near breakeven or modestly positive over the cycle.
Inflation and price control
Market rate qualification primary residence enforcement no investor participation no leverage expansion and one active program loan per household ensure benefits remain with families rather than capitalized into home prices.
I still believe that there is inherently more good than evil in this world. There is definitely a problem. the first step to solving it, though is admitting,, we have a problem. There can be no more standing quiet and listening to a segment of the population that is being extremely racist. No more being silent about it. You can’t just let people kill you. I truly love everybody and give everybody the same respect they give me. We are all God’s children. Let’s have an honest conversation though.
@the_jefferymead@fedupMolly17 Not to mention, it’s not like he’s using it for anything personal lol. It’s all invested in his businesses. And his businesses are trying to make the world a better place and beyond I guess.
@BrianWh94993789@Sassafrass_84@4thOfJuly365 Yep, that’s why I said experience required, and additional training required for specialty roles lol. But a standard floor nurse doesn’t need it.
You could easily teach somebody to be a nurse in 2 years. Just have one year of classroom one year of clinicals. It’s still a waste of money. It’s not brain surgery. Obviously continuous education requirements for critical care roles. You don’t need a masters degree to be a teacher either. The whole thing is a scam. Damn near everything should be an apprenticeship at this point.
Gorilla seen contemplating life after dispute with mate
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Garrett was an absolute freak of nature for us. I’m satisfied with the return. Mostly because I love the leadership that Verse is going to bring to the defense. If Berry keeps picking the way he has been the future can be very bright. Underrated move was getting rid of paul depodesta!
Get the running game going, somehow get above average quarterback play and this team will be competitive!
Powerful: Seven Browns players hosted the first-ever "Cleveland for Christ" event for fans.
The event featured worship music, public testimonies, prayer, and baptisms.
Every NFL team needs to take notes 🙏
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