Assertion: delinquency | /r/HasProperty | attributable
Facets:
value: to the borrower
type: TRANSITIVE-OBJECT
value: to a legal dispute
type: TRANSITIVE-OBJECT
value: with the fact
type: OTHER
value: to excessive obligations
type: CAUSE
value: to a reduction in income
type: TRANSITIVE-OBJECT
value: to reasons
type: CAUSE
value: in a single instance
type: TEMPORAL
value: as a matter of habit
type: CAUSE
value: to problems
type: TRANSITIVE-OBJECT
value: to a prolonged illness
type: CAUSE
value: to biological factors
type: CAUSE
Source sentences:
text: On one hand, there are causes for delinquency that are attributable to biological factors inherent at birth.
text: The delinquency is attributable to the death of the borrower.
text: The delinquency is attributable to a prolonged illness that keeps the borrower from working and generating income.
text: The delinquency is attributable to the borrower having incurred extraordinary expenses as the result of the illness of a family member (or having taken on the sole responsibility for repayment of the mortgage debt as the result of the co-borrower's illness).
text: The delinquency is attributable to the borrower having incurred extraordinary expenses as the result of the death of a family member (or having taken on the sole responsibility for repayment of the mortgage debt as the result of the co-borrower's death).
text: The delinquency is attributable to problems associated with a separation or divorce, such as a dispute over ownership of the property, a decision not to make payments until the divorce settlement is finalized, a reduction in the income available to repay the mortgage debt.
text: The delinquency is attributable to a reduction in the borrower's income, such as a garnishment of wages, a change to a lower paying job, reduced commissions or overtime pay, or loss of a part-time job.
text: The delinquency is attributable to the borrower having incurred excessive debts (either in a single instance or as a matter of habit) that prevent him or her from making payments on both those debts and the mortgage debt.
text: The delinquency is attributable to the borrower having abandoned the property for reason(s) that are not known by the servicer (because the servicer has not been able to locate the borrower).
text: The delinquency is attributable to the borrower being transferred or relocated to a distant job location and incurring additional expenses for moving and housing in the new location, which affects his or her ability to pay both those expenses and the mortgage debt.
text: The delinquency is attributable to the condition of the improvements or the property (for example, substandard construction, expensive and extensive repairs needed, subsidence of sinkholes on property, impaired rights of ingress and egress) or the borrower's dissatisfaction with the property or the neighborhood.
text: The delinquency is attributable to the borrower having difficulty in selling the property.
text: The delinquency is attributable to the borrower needing rental income to make the monthly payments and having difficulty in finding a tenant for a one-unit investment property or for one- or four-unit property.
text: The delinquency is attributable to the borrower having entered active duty status and his or her military pay not being sufficient to enable the continued payment of the existing mortgage debt.
text: Other The delinquency is attributable to reasons that are not otherwise included in this list of applicable codes.
text: Unemployment Use this code to indicate that the delinquency is attributable to a reduction in income resulting from a borrower having lost his or her job, or
text: The delinquency is attributable to a self-employed borrower having a reduction in income and/or excessive obligations that are the direct result of the failure of his or her business to remain a viable entity or, at least, to generate sufficient profit that the borrower can rely on to meet his or her personal obligations.
text: The delinquency is attributable to the borrower having incurred a sudden, unexpected property loss as a result of fire, storm, theft, earthquake, or flood.
text: The delinquency is attributable to the borrower having incurred excessive energy-related costs or costs associated with the removal of environmental hazards in, on, or near the property.
text: The delinquency is attributable to the borrower being dissatisfied with the way the servicer is servicing the mortgage loan or with the fact that servicing of the mortgage loan has been transferred to a new servicer.
text: The delinquency is attributable to the borrower being unable to make a new payment that resulted from an increase related to a scheduled payment change for a graduated-payment or ARM loan; increased monthly escrow accruals that are needed to pay higher taxes, insurance premiums, or special assessments; or the spreading of the amount needed to repay an escrow shortage over the next year.
text: The delinquency is attributable to a disagreement between the borrower and the servicer about the amount of the monthly payment, the acceptance of a partial payment, or the application of previous payments that results in the borrower's refusal to make the payment(s) until the dispute is resolved.
text: The delinquency is attributable to the borrower having agreed to sell the property and deciding not to make any additional payments.
text: The delinquency is attributable to a legal dispute arising out of a fraudulent or illegal action that occurred in connection with the origination of the mortgage loan (or later).