. >> many people are trying to purchase a home using an fha loan trying to help first-time home buyers the down ppayment is less. they allow you to have hire debt >> kirkland lynch thought he'd have no problem. >> preapproved >> after months of bidding, none of his offers would be accepted. >> some would see the fha loan and be overly intrusive inially finances >> the gap of homeownership has widened. with the average black family with less generational wealth, that gap continues to grow >> 53% of black home buyers used fha or va loans and only 23% of white home buyers did. >> it is legal to factor in the loans. an fha loan can come with too many strings >> the property has to meet standards and meet the appraised price. >> lynch plans to keep up the search >> it is about faith not giving up. having faith something will come through in the long run. >> reporting for nbc news new york >>> a lot more to come including the historic night at gillette stadium as tom brady faces his new team >>> the playoffs are here. the wildcard end and slows sugar absorption to promote healthy blood sugar

data from a realty association shows 53% of black home buyers used fha or va loans while only 23% ofrs did. it is legal for sellers to factor in the type of loan a buyer is using. fha loans can come with too many strings. >> there are federal guidelines the property has to meet certain standards. they are required to meet the appraised price. >> reporter: despite the road blocks lynch says he plans to keep up the search. >> it is about faith really. you know, not giving up and just really having faith that something will come through in the long run. >> reporter: aaron gilcrest, nbc news, new york. >>> when we come back we'll tell you what >>> when we come back we'll tell you what (vo) while you may not be running an architectural firm, tending hives of honeybees, and mentoring a teenager — your life is just as unique. your raymond james financial advisor gets to know you, your passions, and the way you help others. so you can live your life. that's life well planned. ♪ limu emu & doug ♪ got a couple of bogeys on your six, limu. they need customized car insurance from liberty mutual

these refunds are for people who had fha loans back to the '70s. hud tries to track people down but when it can't find you, it puts the money in a holding pen. use this qr code to load the search page. add your name, city, and state. if you don't get any results, use any address where you held a home. you can also use your fha case number that might be on your papers. it's three digits, followed by a dash, then seven digits. we found $1139 owed to a man for a san jose home since 1991. a woman due $989 for an oakland house. we're going try to locate them and tell them. the next step is to call hud and claim your cash if you find your name. here's the number. the office is open from 8:30 a.m. to 5:00 p.m. eastern time. if you call after hours, leave a message and request a callback. after that, expect official paperwork to prove who you are, and then a payment. now a word of warning. there are companies out there called tracers that grab this data and offer to get you your refund for a finder's fee. you don't need to pay another person or firm to ass

when the whales are empty, i mean people are on, i have to flee in search of fha that water, and there are places where people fight for water. it's a source of conflict between communities to day. 300000 people have fled an area where there was once an abundance of water. the surface of it was once lake like a bean, is hot with an unknown gas in it's killing the remaining shrubs. forcing the last people to leave this vanishing oasis, in search of a more friendly climate. nicholas hawk al jazeera, the nobel prize in physics has been awarded to 3 scientists for discoveries in climate and complex physical systems. the nobel committee says dakota mana, be close. hustling on joe's jo perisi, revealed ground breaking contributions to our understanding of complex physical systems that includes making it easier to find patterns which help to predict extreme weather. i never imagined that this. ah saint, hans. i would begin to study has had a huge consequences. and, ah, i was doing it just because of my guide. you city. the international space station is about to become cinemas, most expensive

israeli newspaper herad says ye lap he discussed the issue while meeting king hm had been isa alcholay, fha as wrong. bahrain formerly established ties. last year, iran was blamed for a deadly drone attack on an israeli managed tanka ne oman. in july, though it denied any involvement, and iran describes the israeli diplomats visit as a stain on the reputation of a cranes rule is clinics and hospitals in northern nigeria struggling to cope with high numbers of severely malnourished children, feared shortages have westland, as violence by armed groups intensifies med interests, reports from my degree. fatima connie mussa, now one year old son are preparing to leave hospital love to treatment for malnutrition and infections. they've been here for 2 weeks and move. i love that attitude. lydia bad out. my baby was in very bad shape and was admitted, so his daily therapy include medicine, a nutritious happening, doctor said this facility run by the international rescue committee with support from units of i barely coping with a high number of children seeking help in you. we see between 15 and 20

i spoke dave stevens, former fha commissioner under obama during the subprime foreclosure crisis.orbearance cliff will be minimal. unlike the bubble where home prices dropped 20% from peak to trough, this forbearance saw prizes rise. those who aren't able to get current on their loans could set, possibly at a profit. >> what has the impact been on landlords given how long the moratorium lasted. >> for a landlord, if they were in trouble on their mortgage they could get into the programs as well. really for them it is getting the payment in from the renters so they can pay the mortgage itself and they can also pay some of the costs, the property upkeep, the taxes. it has been rough for them as you know, the eviction moratorium expired so they are starting to see more income coming in. >> the foreclosure moratorium and the eviction moratorium, for landlords one is a bigger hit than the other what has been the impact diana, as we talked about all the people who have been buying homes investorwise taking them off of the market. one of the concerns was that you could unleash a supply b

is vital for the model as well as i'm not an expert on this issue in particular through the gse and fha the financing barriers if the shared equity model with more affordable type of housing what that land trust financing so and then encouraging with the land trust and then you need the zoning fee appropriate for that typee of housing with that community land trust is seeking. >> thank you so much i yield back. >> you are recognized for five minutes. >> thank you for holding this hearing. >> with that stereotype to blame realtors for creatingin a problem it is offensive and not accurate so i it here to a very strict code of ethics and then was some evidence that she claims is caused and with affordable housing. and then to relocate families. >> representative thank you for the question. so thatt exclusionary zoning and with the then near-term in particular so subsidies that can be used the neighborhoods of tour choice are appropriate i would air on the side of the to determine where they would like to live in that any subsidies would go further and not as serious burden. so where should

i am not an expert on this issue in particular, but through the gse's and fha, there may be some financingarriers that are more amenable for other shared equity models to navigate them for more traditional types of affordable housing. making it easier for community land trusts -- and there is also the question of the availability of land. encouraging local governments to for instance deed tax foreclosed properties or other surplus land to land trusts would be important as well. and the subject of this whole hearing -- you need the zoning to be appropriate for the type of housing, and even some small business development, as the community land trust is seeking to engage in. rep. velasquez: i yield back. rep. cleaver: the chair recognizes the distinguished member mr. posey. rep. posey: thank you for hearing. -- holding this hearing. i can say i am disappointed to hear one of our witnesses stereotyping and blaming realtors for creating the problem. it is offensive and not accurate. i am one and adhered to a strict code of ethics, a very strong code of ethics. they don't do that, or they are n