Mexicans Illegals to receive Social Security Benefits??

My Personal Knowledge | December 30, 2002 | Myself

[ShuShu]

This is my first posting as a Newbie so I'm not sure I'm doing it correctly or in the proper area. Let me know if I should have done something differently.

In the news we've been hearing that there may be new legistlation coming in DC which would change the 10 year work requirement for Social Security Benefits for Mexicans and quite possibly even Illegal Aliens from Mexico. I personally think this is outrageous and believe most Americans would agree with me. Here's something else for all Freepers to consider:

As a person who has worked in the Mortgage Industry now for 25 years, I frequently shake my head when I hear about these illegal Mexicans paying into Social Security and never getting anything back. Here is why:

In California for example there are programs for 1st time homebuyer's to help get more people into homeownership, such as CHFA (California Housing Finance Agency) and SCHFA (Southern California Housing Finance Agency). Both of these programs require you to be a first time homebuyer OR to not have owned a primary residence in the last 3 years. The way we document that to satisfy the the requirement is we obtain 3 years of Federal Tax Returns or an IRS print-out of same to prove they have not paid Mortgage Interest or Real Estate Taxes in the last 3 years. There are many similar programs in other states as well.

Most of my career was spent in Southern California and because of these programs I have reviewed countless tax returns of hispanics (many of whom I suspected to be illegal) and I can tell you that they claim so many dependents (both here and in Mexico such as brothers, sisters, parents, grandparents, etc.) that they not only get every dime they paid in Income Taxes back but also receive an Earned Income Credit to the point of essentially offsetting whatever they paid in Social Security.

For obvious reasons most of the loans are FHA loans through HUD and are insured by HUD & require minimal down payments. I make this point because on Conventional Loans (FNMA & FHLMC) Lenders are required to obtain a copy of the Resident Alien Cards for Resident Aliens to prove they are here legally on a permanent basis (non-Resident Aliens have financing available to them as well but the terms are not as favorable because of risk factors), however, FHA/HUD does NOT require a copy of this Resident Alien Card. The borrower simply signs the application under perjury penalties, which does not deter anyone.

Because of fear of lawsuits for discrimination I can also tell you that a Lender may have a borrower who speaks little or no english (and may even have to communicate through an interpreter) that claims to be either a Citizen or Resident Alien and it will not be questioned nor any proof required. Since FHA does not require any such documentation a Lender cannot cite their regulations as a basis for the request as they can on Conventional Loans.

It boggles the mind to think how many illegal aliens are homeowers in this Country thanks to these programs, all fully insured by our Government.

I was fortunate enough to escape California in 1998 but doubt if these programs have changed. I can state FHA's policies have not changed.

I am trying to get the word out to as many as possible in hopes of getting our Newspeople to cover it and bring it out for public discussion. One might even hope for legistlation to address this.

[4Freedom]

Future Republicans 'Bump'!

'Ping' your 'Ping' lists to this one. Here's a new Freeper with a report from the 'Front Lines'.

Great post. Glad to have another voice join the chorus against this rip-off of the U.S. Taxpayers by illegal immigrants from everywhere.

A number of other Freepers have mentioned that Mexicans and Canadians can both claim excessive numbers of dependents in their home countries on their tax returns and receive an 'Earned Income Tax Credit' that offsets or exceeds the amount they have paid into Social Security.

Add the free medical care they steal at emergency rooms, education and health care for their children, welfare, foodstamps, SSI and Medicaid that they receive for their elderly family members that they bring along with them, etc. and we really are getting robbed blind.

[tangerine]

Both of these programs require you to be a first time homebuyer OR to not have owned a primary residence in the last 3 years. The way we document that to satisfy the the requirement is we obtain 3 years of Federal Tax Returns or an IRS print-out of same to prove they have not paid Mortgage Interest or Real Estate Taxes in the last 3 years.

By this process, one could not see that I have owned a house for years. No morgage is paid on it, no morgage interest is claimed on Federal Taxes and since I file the EZ form, my real estate taxes would not show up on an IRS report either.

[ShuShu]

That's correct. Although, you would be signing a number a forms that are part of these programs where you confirm under penalty of perjury that you do not own a primary residence. Obtaining a credit rating from your Landlord is normally required as well, this of course could be fraudulized as it probably has been done in some instances.

In addition, your credit report will reflect if you have or had a real estate loan which the Lender will question and may require documentation on as well.

[norton]

What has to p### you off the most in this reciprocal social security fiasco is that they claim it will open up similar rights for Americans living and working in mexico.

Right like a country that won't allow you to own land or a business is going to give you a better deal on social security than Uncle Sam.

The only thing this can possibly do is increase welfare costs here and reduce them in mexico - we get to 'benefit from diversity' and the cash drain to the south simply becomes official.

[ShuShu]

Brazen is right! And our Govt. Officials turn a blind eye to it. A friend of mine used to do Worker's Comp administered by an insurance company as well. If the regulations don't give you something to cite for why you're requesting information and you request it anyway your Company could be wide open for a lawsuit. The same Officials who claim requiring photo I.D. to vote would disenfranchise some voters! How many illegals are voting?

[tangerine]

Thank you for your post - and clarification.

[Saundra Duffy]

Thanks for the post. Now I'm so mad I'm ready to scream! For victory & freedom!!!

[madfly]

New Freeper inside info ping!

Welcome ShuShu and thanks.

[WestCoastGal]

If anyone from the Republican party is reading any of this they should make a note that there are some of us that are mad as hell about this and will take that anger to the polls if they don't do something to stop the illegal immigration and takeover of our country, especially the southwest!!!

[Sparta]

http://www.freerepublic.com/focus/news/813574/posts

To defund PBS and show your outrage at their anti-American programming. (Some of their immigration programs have been classified as Reconquista propaganda.)

[Marine Inspector]

Welcome and Thanks.

[nanny]

Several years ago, we thought we would retire to Mexico (you know to visit our money) and obtained info from the Mexican consulate on living there.

It stated you could own land but not within 100 miles of a coastline or border. That may have changed - but that has been within the last 6 years.

I remember you must have a guaranteed income of a certain amount and there were some restrictions regarding household goods - don't really remember what.

[madfly]

20 years ago a man I knew was planning to retire in Mexico. We took a trip down there and found that Americans could purchase property with a Mexican. Joint ownership, but with the Mexican having 51% and the gringo 49%. This would have still given you part-ownership as opposed to leasing. I suppose this was changed long ago.

[Oatka]

". . . and I can tell you that they claim so many dependents (both here and in Mexico such as brothers, sisters, parents, grandparents, etc.) that they not only get every dime they paid in Income Taxes back but also receive an Earned Income Credit to the point of essentially offsetting whatever they paid in Social Security."

Thank you sir! . . .and Right On!. I know some small business people up in Oregon who can validate that statement. Claiming nine dependents is deemed asking for it, even though that is the supposed max without IRS inquiry. So, these guys in their late teen-early 20s routinely claim eight dependents and slide right under the radar. If I would receive $1-million for each time the perjury law on this was enforced, I'd still be a middle-class peon.

That was an interesting point on the Earned Income - I hadn't thought of that abuse, but evidently they did.

[madfly]

"I am trying to get the word out to as many as possible in hopes of getting our Newspeople to cover it and bring it out for public discussion. One might even hope for legistlation to address this."

For starters, you might want to send this along to Col. Ben Anderson who has a ranch near/on the border and publishes a newsletter with the straight truth about border/illegal immigration issues.

He will gladly give you tips on getting the word out on this. He has been meeting with Cong. Tom Tancredo, of the Immigration Reform Caucus.

ben@azanderson.org

[Paulie]

Welcome ShuShu. I also appreciate the post.

[ShuShu]

I really hope we have enough reading this to let the Republican party know that their "Base" is not going to tolerate them dancing around the illegal immigration issue much longer. I know I'm tired of it and have written my Congressman and Senators on it more than once.

I'm in AZ now and it is a HUGE problem!

[WRhine]

Thanks much for passing on that valuable information ShuShu. It's the kind of real news that is NEVER reported in the government's wholly owned media subsidiaries.

Welcome to Free Republic!

[neutrino]

Interesting report; thanks for the inside look.

[ShuShu]

If you want more to shake your head over...many of these programs will also supply them with the down payment (or nearly all of it anyway) and they receive a below market interest rate! In your search engine put "Homebuyer Programs" and you'll be amazed how many you'll find all over the Country.

While these are great programs for our Citizens, they are also being tapped into by illegals you can be sure.