A sale sign is seen in front of a home in Miami. FHA loans are used by many minority, lower-income, and first-time homebuyers because the low down payments make homeownership more affordable. But this demographic is more likely to be hurt financially during the pandemic, and many FHA borrowers are skipping mortgage payments.

It’s a sign that minority, lower-income, and first-time home buyers are getting hit hard financially amid the pandemic. But a vast majority are protected by Congress from foreclosure.

(Image credit: Joe Raedle/Getty Images)

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