Full House Episode 2 Tagalog Dubbed
Gaynelle Alnutt
Over the past four decades, the number of limited English proficient (LEP) households in the US has almost tripled. Today, close to 5 million heads of household have a limited ability to speak, read, write, or understand English.
In a recent Urban Institute study, we examine the role language proficiency plays in the homeownership rate gap between LEP and EP households. We also look at how language spoken at home and other characteristics may affect homeownership rates among LEP households. Using a regression analysis, we estimate that removing language barriers would increase the number of LEP homeowners by nearly 300,000.
LEP households have substantially lower homeownership rates than EP households. The homeownership rate among LEP households was 28 percentage points lower than among EP households who speak English at home and 17 percentage points lower than among EP households who speak other languages at home.
The homeownership rate between EP and LEP households varies considerably by language. The LEP and EP homeownership gap is highest among Russian households (37 percentage points) and lowest among Korean households (10 percentage points). Among LEP households, the Vietnamese homeownership rate is the highest (58 percent), while the Russian homeownership rate is the lowest (22 percent).
Some of these homeownership rate differences between LEP and EP borrowers can be explained by household characteristics. LEP households are more likely to be immigrants, be older, have lower incomes, and have less educational attainment compared with EP households who do not speak English at home.
Language spoken at home and length of time in the US are also factors. For example, Spanish-speaking households, who account for about 70 percent of all LEP households, are more likely to be noncitizens than other LEP households. A large share of LEP households who speak Korean, Tagalog, or Vietnamese at home have lived in the US for more than 21 years, while Arabic- and Portuguese-speaking LEP households make up a higher share of those who have been in the US for less than 5 years.
After controlling for household demographics, socioeconomic characteristics, and market affordability, the EP-LEP homeownership gap narrows, but it does not disappear. The homeownership gap between EP and LEP households drops from 28 percentage points to 6.2 percentage points once we control for observable factors. A portion of the remaining gap could be attributed to language barriers, but we could not fully control for other factors that affect homeownership, including wealth and credit scores.
Namely, the CFPB has identified actions that financial institutions can take to better serve LEP consumers (PDF) and has published translated disclosures for lenders and early intervention clauses (PDF) for mortgage servicers.
In addition, the FHFA, Fannie Mae, and Freddie Mac created the Mortgage Translation Clearinghouse, an online collection of translated resources to help lenders, servicers, and housing counselors better serve LEP borrowers. In 2022, Fannie Mae launched HomeView en Espaol, a Spanish language version of its online certification course for first-time homebuyers. In March 2023, the FHFA started requiring lenders that sell to Fannie Mae and Freddie Mac to collect preferred language information from borrowers.
These government agencies and government-sponsored enterprises (GSEs) have taken some important first steps, but more work is needed to elevate existing resources and expand homeownership access among LEP households.
Though some lenders offer translation services, most do not. For example, among the 10 largest mortgage lenders by volume, only 5 translate their entire website into Spanish, and translation quality varies. Lenders could do more to connect borrowers to translated resources that could help them better understand the mortgage process. Regulators could require lenders to make borrowers who speak a language other than English at home aware of the existing resources published by the GSEs and the CFPB, including the Mortgage Translation Clearinghouse.
The LEP population is geographically concentrated. Although less than 26 percent of all US households live in California, Texas, and New York combined, more than half of all LEP households live in these states. Geographically targeting language services by state, region, or even neighborhood could help lenders identify new customers and expand homeownership access. To build relationships with LEP consumers, lenders in these areas could create pathways for and hire loan officers who are fluent in languages other than English or collaborate with trusted community partners to offer non-English mortgage services.
In some communities, smaller lending institutions, particularly minority depository institutions (MDIs), may provide more services in languages other than English compared with larger lenders. Partnerships between MDIs and larger lenders could help both institutions expand their reach. More broadly, increasing the number of institutions that offer services in languages other than English will enable more LEP borrowers to shop around for the best rates and offerings.
Among localities with large LEP populations, the needs of LEP households vary widely in terms of language spoken and familiarity with the American homebuying process. More research is needed to understand language access needs at the local level, and lenders will likely need to use different strategies for different communities (PDF).
Because of differences in educational attainment, income, and years in the US between LEP borrowers and EP borrowers, LEP borrowers may require more time and attention from the professionals serving them. But the current mortgage origination incentive structure does not reward those who spend more time with consumers. To widen the credit box and better serve the market, lenders could consider restructuring incentives to reward employees who have the skills to work with LEP households.
Lenders who find effective and efficient ways to decrease language barriers in the mortgage market will likely increase their market share while helping more LEP households become homeowners and build wealth.
The Urban Institute podcast, Evidence in Action, inspires changemakers to lead with evidence and act with equity. Cohosted by Urban President Sarah Rosen Wartell and Executive Vice President Kimberlyn Leary, every episode features in-depth discussions with experts and leaders on topics ranging from how to advance equity, to designing innovative solutions that achieve community impact, to what it means to practice evidence-based leadership.
A special one week preview of the show, entitled Extreme Makeover: Home Edition Philippines The Road to Make Over began airing on April 9, 2012 before its aired from April 15 to June 17, 2012, replacing Who Wants to Be a Millionaire? in Talentadong Pinoy's timeslot and was replaced by Who Wants to Be a Millionaire? in Talentadong Pinoy's timeslot.
Road to the Makeover is always "Rated PG", However the main edition of the series is "Rated G". the difference that is depends on the episode. It aired every Sunday 8:30 PM (UTC+8). It differs from the American version, having a deadline of more than 7 days.
Each episode features a family that has faced some sort of recent or ongoing hardship such as a natural disaster, has a bad house or a family member with a life-threatening illness, in need of new hope. The show's producers collaborate with a local construction contractor, which then collaborates with various companies in the building trades for a makeover of the family's home. This includes interior, exterior and landscaping, performed in several days while the family is on vacation (paid for by the show's producers) and documented in the episode. If the house is beyond repair, they replace it entirely. The show's producers and crew film set and perform the makeover but do not pay for it. The materials and labor are donated. Many skilled and unskilled volunteers assist in the rapid construction of the house.
The Mt. Pinatubo eruption of 1991 left Benjamin and Norma Austria with their ten children, homeless. They were given temporary housing at Clark Airbase Command (CABCOM) with nearly thirty-five thousand families affected by the explosion occurred. Because of contaminated water, Benjamin Aurora and four of their children became ill. Because of poverty, Norma Austria was forced to sell her house to finance medication for her husband and children. Unfortunately, they began to die one-by-one.
After that event, they moved back home with four of her children and five grandchildren at the Madapdap Resettlement Area in Mabalacat, Pampanga.Norma Austria sweeps the roads in her street daily from 2:00 am to 4:00 pm on only a six thousand pesos per month salary. She is also a member of an organization that cares and provides protection to the young homeless. She helps bring the children with disabilities in hospitals and provides scholarship grants to eligible children in their community
Builders: JAO Builders
Villa Aure's youngest daughter Joy is deaf-mute and has autism. For 24 years, Villa and her family has focused on taking care of Joy and in making her live a comfortable life. Having a special child wasn't easy for Villa, she decided to resign as a teacher in High School in 1995 and became a full time mom and teacher to Joy. At the same time, she helped out her friends, neighbors, and community by teaching special children at their home for free. The whole family devoted their time in teaching and serving the children. Along with them are two volunteer teachers who get a minimal compensation every month.
Design Team: Paolo, Divine, Joby, Tristan, Marilen
Marites "Rina" Cardines was the first documented case of a Philippine domestic helper who was HIV positive.In 1997 in Dubai, the United Arab Emirates, Rina was infected by her boss, a father and was used as sex slave. With the help of the wife of the boss, she managed to escape.She planned to work abroad to support her son, two-year-old Shamein, but it never happened when she realized she was HIV positive.
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