State Sen. Velmanette Montgomery sent out an email blast about HUD’s Emergency Homeowner’s Loan Program, which allows struggling homeowners to apply for up to $50,000 in loans that can be applied ...

— -- "Congratulations" began the letter, dated Sept. 27. Lorraine and Jude Austin, who had battled against foreclosure for two years, were "approved" for $48,113 in federal mortgage assistance, ...