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Federal Housing Administration mortgages — the affordable path to homeownership for many first-time buyers, minorities and low-income Americans — now have the highest delinquency rate in at least four decades. The delinquency rate for conventional loans, by comparison, was 6. Millions of Americans stopped paying their mortgages after losing jobs in the coronavirus crisis. Those on the lower end of the income scale are most likely to have FHA loans, which allow borrowers with shaky credit to buy homes with small down payments.

For now, most of them are protected from foreclosure by the federal forbearance program, in which borrowers with pandemic-related hardships can delay payments for as much as a year without penalty. Last month, the MBA said about 4. Housing has held up better than expected in an otherwise shaky economy, with record-low mortgage rates fueling sales of both new and previously owned houses.

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Situated largely on the Caribbean Plate , the region has more than islands, islets , reefs and cays see the list of Caribbean islands. Island arcs delineate the eastern and northern edges of the Caribbean Sea : [7] the Greater Antilles on the north and the Lesser Antilles on the south and east which includes the Leeward Antilles.

A mostly tropical geography, the climates are greatly shaped by sea temperatures and precipitation, with the hurricane season regularly leading to natural disasters. Because of its tropical climate and low lying island geography, the Caribbean is vulnerable to a number of climate change effects , including increased storm intensity , salt water intrusion, sea level rise and coastal erosion, and precipitation variability.

The Caribbean was occupied by indigenous people since at least BC.

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Arjowiggins is an independent paper manufacturer with a long and rich history dating back to the 17th century. From our Anglo-French roots we have grown into a leading paper manufacturer with a global reach, marrying experience, knowledge and skill to the most advanced technology available, to serve customers large and small worldwide. Today the company is one of the major producers of creative and technical papers in the world.

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