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house plants delivered to home buyers were not available for customers who lacked any creditable mortgages.

The department said that an additional 250,000 loans were handed out to borrowers, who had either failed to make payments due to their own failure to pay on time, or had defaulted. The department said some borrowers could be prevented from returning to their home by requiring credit counseling on their behalf, but the Department of Homeland Security is investigating cases where credit counseling can be provided. The department said in a statement that it would be in consultation with local law enforcement, the insurance industry, and consumer protection agency, who are working to address this problem.

"This is not an industry-wide problem," Superintendent James D. White said in a statement. "In fact, our safety-net program is designed to encourage homeowners to do the right thing."

State lawmakers have criticized the department's practices in general and in recent years for allowing such practice to slip under the rug, including one case with a homeowner facing eviction from her house.

Under a 2010 law, all state mortgage lenders may require proof of an employee's prior payment on a loan after the borrower failed to pay off one of the guarantors.

As a condition of credit counseling, the homeowner or other responsible party must undergo five completed credit counseling evaluations at a cost of $10,000 to $20,000.

If the foreclosure cannot be resolved within 60 days, the landlord must return home for the






































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