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The waiting list is several years long and is often closed. In the three months after September 11th, the economy lost nearly 1 million jobs. Award notifications for on-time applicants are mailed in early April. Homeowners and renters also may apply for loans up to $40,000 to replace personal property such as furniture, automobiles, clothing and other household fixtures. During 2005-2006 there were billions of dollars worth of sub prime and stated income loans originated to poorly qualified borrowers with little or no verification required in regards to proof of income or ability to repay.
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