tom: fha has done a number of things to exse taxpayers to liability. fha said it was going to save $45 billion over three years. it cost the taxpayer $15 billion. and secretary castro really coul't explain much about fha, which many people think is the next fannie and freddie. sharyl: members of congress from both parties also made the pork list. coming in at number four is democrat frank pallone of new jersey. he criticized a government accountability office undercover test of the obamacare e website that revealed security holes, saying the investigators shouldn't have wasted time highlighting difficulties. but the holes allowed fake apicants to qualify and receive $2,500 worth of taxpayer-subsidizezed health income or citizenship. republican sam graves of missouri came in at number three for pushing a bill to block some medicare and medicaid audits t t flag improper payments. he says s it's because the audits are drowning hospitals in paperwork. but shatz says the audits save billions of tax dollars. tom: he tried to usurp one of the few actions that

so that puts us in the business of insuring fha. so we believe with a new type of program that could be developed by private insurers that other people may be interested in obtaining insurance even when outside the zone. >> thank you. mr. kelly. mr. birnbaum made a statement a minute ago that caught my attention that surplus lines don't belong to the guaranty association of states. did i understand that statement correctly mr. birnbaum. did you make that statement? okay. that's a very key point from the standpoint that surplus lines are where you look to to be able to provide flood insurance. is that the case, mr. kelly? >> it is the case. surplus lines insurers do not -- they're not backed by guarantee funds. but the's good reason for that. i mean, if you look at the type of coverages written in the surplus lines market they're often not coverages that would fall under the general limits of the guarantee funds that exist for the standard market. you've also got the ams report that shows an incredible solvency record for the surplus

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so that puts us in the business of insuring fha. so we believe with a new type of program that could be developed by private insurers that other people may be interested in obtaining insurance even when outside the zone. >> thank you. mr. kelly. he made a statement a moment agatha caught my attention, that they don't belong to the guaranteed association of states. that's a very good point to the standpoint that surplus lines are where you look to be able to provide flood insurance. is that the case mr. kelly? >> it is the case. they are not backed by guaranteed funds but there's good reason for that. i mean, if you look at the type of coverages written in the surplus lines market they're often not coverages that would fall under the general limits of the guaranteed funds that would exist for the standard market. you also have the report that shows an incredible solvency record for the surplus lines market. 11 years of no financial impairments compared to 207 impairments in the standard market over the same time period. look at the r

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likllywside rismom clink n le fha. wamonousee coadg ghio in inthis t. e g tagey amde arenonn cre ch ose aierssd eemi itnsrertio oecoec knn sps anchco ameg t values. >>> the award-winning wral documentary the journey alone took us to the us-mexico border last summer to get a firsthand children making the trip. you can watch that on wral.com, enter the journey alone. >>> they may be rivals, serious rivals, in the world of sports but now duke and nc state are joining forces to fight cancer. six, dr. adam mass will explain how man's best friend is helping make this partnership successful. >>> given our weather this past week, it would be easy to think this would be snow. big snow. [ laughing ] until you get close enough to see it is actually a flock of birds at jordan lake. when we come back, mike maze morearing fier cah inerlo irwod fothmi m it isat thth nolvcortndl n- t.gs we >>s iptfioss here rgorste.une at co lic lhuweo e'ngwo s en rl got le a w. y oio eafomo btu cl ctee.ctarfr i oom ute isweayooe espe yoraretod rrd esd k wa. u at c r . ewyothutdaorriin

in the mortgage business as fha has a role. looking back in the late 80s oil bust as fha was the only program in town. so nfip does serve a significant long-term benefit. >> mr. kelley, if you could answer to specific question as we -- in response to mr. trina levin's testimony. as an advocate, what is preferable about ross murphy to the himelfarb model that mr. sharon 11 is advocating. what is applicable to the solution to the model that mr. mr. birnbaum is advocating. can you respond to mr. birnbaum's contention that 29 no one would give surplus lines and ensures the ability to cherry pick nfip policies that are low risk and make nfip more vulnerable. >> i'm interested to hear your thoughts on that. >> thank you for that question. with respect to the can't do it, 29 no one does a very different job of pushing this coverage the private market and mandated the private market offer terrorism coverage given the private market the opportunity to get in and figure it out, invest in underwriting processes and experience to develop p

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pwe also did contact the fha as pa but we have not heard back pfrom them at this point. plive in tampa, aaron mesmer, pfox 13 news. p>> chris: we are following the pupdates were there has been a pfatal school bus crash. pat least one adult was killed pand two students seriously phurt. pis still unclear what caused pthe crash, but the adults and ptwo children were outside of pthe bus when it was he. pwe will continue to fall the pstory and give you any updates pwe get them. p>> a touching moment today. pa sarasota police officer pcomforting a child after the pboys family was hurt in a car pcrash. pthe little boy's twin brother pis still fighting for his life ptoday. phe fractured his skull, and is ptoday,. pas fox 13's kimberly quiz on preports, his extended family is pnow working to make sure the ploved ones get all the support pany. p>> the southern community fire prescue team is more like a pfamily, and two of its members pare missing. p>> man: to see this happen to p>> firefighter brian ross is pnow a shift watching over his psunriver remains in the, at all pchildren'

. >> t ys idn' f rr: fha sps, iforthles, indisney fir rsn. tetherir ow ris in 2 hveemrske o tiore y celm >> rrer i ro it just%.ug ened reof ndke tt twor a.>> che ces,eingiv rhay f pd, mieey are lar. whatesn! dney didn respondut tare p aw mwo>>an c wake ae heimonib s whs exero t iders o tleol>> tnk iiend ouncouy thwa ies erpo. es tha. abouter bkickofcaberninduryes inn bigat l li cessootup w s. sonngoo ey d k t otsytuer's rto,at's to u?or'a whas aadofe pa u' nn inorhapsme to s theay. otuniseit o ivenn a aieit iann. in a tng le wi besfr... .ierngodg er utwe ridifor urfr.. yolofoin . er u w thisenti re k and. upea anean u. oorcbsuf g ok y is- tg. u t epteoe f mediert >> feomhiveg u whli. xpso o e ter:>> wn f itagesha>>epor shie always doea you iuntrinan r is'rg arow>>ep w is gazli >>hihr g yoclth tski >> o boughs yyou seentmas al on s,an es?ui afe et g.can ll ol bmuth fni feots 50 hig ainn stay war . n 0s a, a ar asth ofeatd nds daen gear got. srs a wthe ertempesbeore s ally te hekeakilo th st souem moves 30ntiatoea stainly beawhate ase fideils. ar ruzo afhlto and puebo. dave.w thisorni used

said that puts us in the business of insuring fha. we believe with a new type of program that could be developed by private insurers the other people may be interested in obtaining insurance even when they are outside the zone. >> thank you. mr. kelly. surplices don't belong to guarantee associations of states, i understand it correctly? did you make that statement? >> that is a very key point from the standpoint, surplus lines are where you look to be able to provide flood insurance. is that the case? >> it is the case. surplus line insurers do not -- they're not backed by guaranteed funds but there is good reason for that. if you look at the types of coverage written in the surplus lines markets there are often not coverages that would fall into the general limits of the guaranteed funds that exist for the standard market? you have also got in the report the shows an incredible solvency record for the surplus lines market, and 11 years of no financial impairment compared to 207 impairment in the standard market over the same time pe

pthey are private schools. pthe fha a. they did not have pto, they chose to do so. pbut they chose to join that, pthey must then fall under the prules that govern all the ublic schools. pif they do not want to do this, pif they want to be able to have pa prayer over the public ploudspeaker, they can form ptheir own leak and conference pand be with other christian pschools or whatever religious pschools they want. pthen, they will be able to do pwhatever they want for prayer pof the loudspeaker. pthe issue really is not that pthey cannot have their prayer, pthe issue is they cannot do it pof the loudspeaker. p>> so does not matter that the pgame was played in a text but pit stadium? pthat really has nothing to do pwith this? p>> the issue is, what kind of pa prayer are they all have to pdo? pone of the things that the u.s. psupreme court repeatedly has psaid that you cannot look as if pthe school is endorsing a preligion. pyou cannot have that in a ublic stadium where there are ublic schools. pso that is the separation, that pis the line the drawer. pspecifically is

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previous home or short sold their previous home because of a decline in income they are eligible for a fha mortage she says that's within a year of the event. and the home again program also helps with mortgage fraud. calling local realtors the "first line of defense" - attorney general laxalt told a story of a woman named lola whose bank denied her refinancing in the someone who offered her a deal that was too good to be true, she took it to a "home again" advisor. they saved her from a scam, and helped her get a loan modification that reduced her debt by 37 thousand dollars. he says the free legal advice may help at any stage of homeownership. especially if someone's doing a short sale, there may be a modification, there may be money available to help bridge the gap. and while we are expecting a housing boom here in northern nevada, as new companies like tesla bring employees with them.... attorney general laxalt points out nevada still ranks fifth out of the nation for foreclosure rates. so they encourage everyone to take advantage of this resource. you'll find more information at kolo

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she headlined, of course, super @fha`u@x^h@cni,bowl xlvii in new orleans.s.*]ertainment tonightreorh@c bruno mars is also expected to america nic% >> i love it. i love it. >> while everyone is talking about the lottery jackpot that got away, the half billion dollar powerball prize, here's the story about one that didn't. >> yeah, robert bowlen won $2 million a month ago in the missouri lottery, and he didn't tell anyone for three weeks, not even his wife who he wanted to surprise with a christmas gift. >> whoa. could you keep that a secret that long? >> no way. >> at first she thought he was joking and then he thought that she was going to get sick to her stomach and then she was happy about it. bowlen, by the way, who is retired says he doesn't know what he's going to do with the money quite yet but what a wonderful christmas present. >> absolutely. some time had passed, and he told his financial adviser about the money, so he's already making the right steps. he didn't just like drive home in a white lamborghini through the snow. >> that could have been him. but he also told his cpa

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the fha today is guaranteeing mortgages. john: here is the president saying we will help the middle class. >> starting this month the federal housing authority will lower its mortgage insurance premium rates enough to save the average you borrower more than $900 a year. john: voters by this. >> if you're making it cheaper to get a mortgage prices will go up. what that does is make it easier for you to take on more debt. there are more ways of does finding irresponsible homebuyer, but if you do not have the savings, almost every finance professor in the country will tell you why you aren't in a good position to be taking on that home. >> the treasury department has a website, making home affordable, help is here. they make it make it sound like magic. they want you to go into debt. >> let's get you alone. of course they go into a private bank and this happens. >> your loan has been denied. >> you cannot expect to be approved for a $225,000 loan when you are hundreds of thousands and that. john: i would not think so, so she ch

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the fha today is guaranteeing mortgages. john: here is the president saying we will help the middle class. >> starting this month the federal housing authority will lower its mortgage insurance premium rates enough to save the average you borrower more than $900 a year. john: voters by this. >> if you're making it cheaper to get a mortgage prices will go up. what that does is make it easier for you to take on more debt. there are more ways of does finding irresponsible homebuyer, but if you do not have the savings, almost every finance professor in the country will tell you why you aren't in a good position to be taking on that home. >> the treasury department has a website, making home affordable, help is here. they make it make it sound like magic. they want you to go into debt. >> let's get you alone. of course they go into a private bank and this happens. >> your loan has been denied. >> you cannot expect to be approved for a $225,000 loan when you are hundreds of thousands and that. john: i would not think so, so she ch

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. >> we've been in touch with the department of transportation and fha and everyone is preparing. >> reporter: joe burkhardt who has been one of the largest independent contractors working with the state for more than 20 years says mare land delayed giving him contract approval over insurance issues. his 14 plows and two salt loaders would remain idle in the coming blizzard, and he wasn't alone. a substantial number of independent snowplow operators across maryland haven't gotten contracts either. >> they tell me they're trying to activate them now. whether they get it implemented in time for the storm, i do not know. >> reporter: we called the state highway administration. fh ascent a statement, an independent snow contractor saying sha will have all of our eligible resources available for the upcoming storm. sha has been working to clear up some confusion related to insurance requirements. the bottom line is we are prepared and ready for this potentially historic storm. joe burkhardt is relieved that the problem apparently has been resolved. >> that's great. i can let all my guys k

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you can still get the very affordable fha loan at 4% or under. that's a big deal. >> housing is so different than many markets. it is a trickle up market by far. the renter has to move up to the buyer because then every other seller in that chain can't move. if that one person doesn't go, that person can't go, how is the renter doing? are they getting serious about buying again? >> rents are going through the roof, right? >> too high. >> high. it is really hard to save for a down payment. we're not seeing them build the money they need to make that down payment without some assistance. >> what is going to break the logjam for the lack of supply in the sort of broaded my market and lower market. what will happen to trigger the people to move up, to trigger people to buy -- to build those homes? >> i think at the high end there has to be some economic confidence. i mean, i think buyers are concerned about what is going o. there is a lot of very volatile stuff going on right now. >> good discussion. thanks so much. neleh richardson, great to have yo

at the federal level the fha mortgages have 3.5% down payment. they may want to inquire whether or not they qualify. the lenders are much tighter now than before. but given that we are in a rising home value and they may want to inquire whether or not with interest rates likely to rise in a the home values suggest that either it is slightly below normal compared to rent or we are notcome, so in any public situation for most parts of the country and i think once you inquire about mortgage and qualifying for mortgage, but also check with various state housing agencies to see if there is assistance for moderate-income households. host: carol responding saying, i like him very much. he gives very good information and pleasant to listen to. john, did you buy or sell this past year? caller: in 2012, we bought a wert sale and this year, bought and other -- it was just a place for sale because a lot of places are going under foreclosure, so we bought a house in florida in 2012. in 2015, we bought another place in pennsylvania. we did not go to the bank b

tom: fha has done a number of things to exse taxpayers to liability. fha said it was going to save

tom: fha has done a number of things to expose taxpayers to liability. fha said it was going to save $45 billion over three years. it cost the taxpayer $15 billion. and secretary castro really couldn't explain much about fha, which many people think is the