A âpartial claimâ is an interest-free loan from HUD that does not have to be repaid until the first mortgage is paid off or until the borrower no longer owns the property. FHA-HAMP works by using a partial claim to: reinstate a delinquent loan that is up to 12 months delinquent, and.
Factors That Increase the Risk. It can be caused by many factors. The fungus that causes thick yellow toenails is highly contagious; therefore, it is important to know what factors cause it to occur. Once you are familiar with the risks, you can then take precautions.
It sounds as though your mulch has developed artillery or shotgun fungus (Sphaerobolus stellatus). The black specks are spore masses of the fungus. Artillery fungus has the ability to shoot its spores at objects such as light-colored house siding, fences, or cars. The spores stick to most surfaces and are almost impossible to remove. This fungus develops in wood-based mulches under cool, moist conditions.