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The Brief

The most important stories for you to know today
  • New results of post-fire air pollution study
    A person wearing a yellow safety vest and black helmet sprays a dark green liquid from a hose onto a piece of property. Behind the person is a tractor and a person in a white protective suit spraying water onto a property.
    Workers with the U.S. Army Corps of Engineers spray hydro seedling over a cleared property in Altadena in April 2025.

    Topline:

    A potent carcinogen may have spread to communities as far as nine miles downwind of the Eaton and Palisades fire burn zones during debris clean-up, according to a new peer-reviewed study in the journal Nature.

    Why it matters: UCLA and UC Davis scientists measured nanoparticles of hexavalent chromium, or chromium-6, during fire debris cleanup, and computer models show the carcinogen may have spread downwind.

    Read on ... for more on why experts say the study is not reason to panic, and how it may inform protections for future fire survivors.

    A potent carcinogen may have spread to communities as far as nine miles downwind of the Eaton and Palisades fire burn zones during debris clean-up, according to a new peer-reviewed study in the journal Nature.

    A team of researchers has been studying the air pollution effects of clearing the remains of more than 16,000 homes and businesses destroyed in the 2025 fires.

    Scientists with UCLA and UC Davis drove through Altadena and Pacific Palisades in an electric vehicle with mobile air monitors periodically over about seven months after the fires. They measured nanoparticles of hexavalent chromium, or chromium-6, within the cleanup areas. Paint, auto parts, electronics and fire retardant are possible sources, but more study is needed to understand where the chromium came from, the researchers said. They also detected other airborne metals, including lead and arsenic.

    The researchers used computer modeling to understand how far those airborne particles may have spread beyond the immediate burn zones. About 3 million people live in the areas that could have been exposed, according to the scientists’ models.

    The highest concentrations of nanoparticles — particles less than 1/1,000th the width of a human hair — were measured in March 2025, about two months into the debris removal effort in both burn zones. But the toxicity declined as time passed.

    “ The good news is that some of those toxic metals, they were converted back to less toxic forms over time,” said Michael Kleeman, professor of civil and environmental engineering at UC Davis and lead author of the study. “So in the months after the wildfire, the threat from this sort of decayed away.”

    In communities outside the burn zones, concentrations diluted further as the plume moved downwind, Kleeman said. By eight months after the fires, the researchers measured that heavy metal concentrations had fallen to background levels for the L.A. basin.

    The research highlights how “even after the fire is over, the danger isn't gone,” Kleeman said.

    How concerned should you be? 

    The researchers and outside experts emphasized to LAist that the study’s findings do not prove widespread contamination of homes, businesses or the environment.

    “ I hope we can get a message of caution out there, but not panic,” said Kleeman.

    Andrew Whelton, a Purdue University post-disaster environmental risk researcher who was not involved in the study, said the research is far from proving what, if any, harm to human health could occur, especially because no indoor testing was carried out.

    “Drawing a line from street-level detections to indoor exposure, without confirming that the [chromium-6] outdoors entered homes at levels posing health risks, is a significant leap,” he said.

    Whelton, who carried out soil testing in the L.A. fire burn scars, said he worries the paper could needlessly sow fear because so many open questions remain. He has argued for funding and establishing more comprehensive contaminant testing at the individual household level in the wake of such destructive fires — the most definitive way to know your personal risk.

    “The bottom line: detecting nanoparticles in outdoor air does not mean harm occurred to 3-plus million people living and working inside buildings,” Whelton told LAist.

    The average levels of chromium-6 detected in the air during debris cleanup in March were well below limits set for workplaces by the Occupational Health and Safety Administration, but above the U.S. Environmental Protection Agency long-term screening levels for homes, according to the study.

    Still, those comparisons are imperfect because the particles measured were far smaller than what’s used for current health standards — meaning they can more easily travel throughout the body, Kleeman said.

    “We don't know for sure what the concerning level should be,” he said.

    Workplace standards, for example, are set for healthy adults working eight-hour shifts, “rather than for sensitive populations such as young children, pregnant individuals, older adults, or people with chronic illness,” said Jun Wu, an environmental health scientist and professor at UC Irvine’s School of Public Health, who also was not involved with the study.

    More comprehensive study is needed to get at what true exposures may, or may not, have occurred, Kleeman and outside researchers emphasized.

    “This is a single, novel finding based on limited sampling, with the downwind reach estimated by modeling,” Wu said, “so broader monitoring is the natural next step.”

    Where the nanoparticles may have spread

    The broadest potential plume was from the Palisades Fire, spreading as far as the southern San Fernando Valley to the north and Beverly Hills and West Hollywood to the east. Kleeman said computer modeling of prevailing winds show the plume being pushed toward central L.A.

    “Santa Monica, Venice and moving toward central L.A. took the brunt of the plume,” Kleeman said.

    Prevailing winds didn’t spread the plume quite as far in communities near the Eaton Fire, with modeling showing northeast Pasadena being the primary community affected.

    A map showing L.A. County with outlines of hte Palisades and Eaton fire burn scars, and varying colors of nearby ZIP codes where airborne chromium-6 may have drifted.
    A map from the study showing the ZIP codes where a airborne chromium-6 may have spread during debris removal.
    (
    Courtesy UCLA / UC Davis
    )

    Many unknowns remain about the public health effects of catastrophic fires in urban areas — and how far those risks may drift beyond the burn zone.

    “More work is needed to understand how widespread and persistent these particles were, how exposure varied by location and cleanup activity, and what the health risks were for nearby residents,” said Sina Hasheminassab, an air quality researcher at NASA’s Jet Propulsion Laboratory who was not involved in the study.

    How to protect yourself during and after a major urban wildfire

    Debris cleanup workers and residents in or within nine miles downwind of the burn zones in the year after the L.A. fires should be mindful of any new health symptoms and report them to a doctor. You can also find resources, report symptoms or ask questions via the ongoing LA Fire Health Study.

    Steps to take to reduce contaminant exposure during or in the wake of an urban wildfire:

    • Your HVAC system should have MERV-13 or higher HEPA filters.
    • Standalone air purifiers should have HEPA and carbon filters.
    • If there’s a risk of exposure to smoke or particles from active fire or debris cleanup, wear an N95, KN95 or equivalent mask outside. Keep windows and doors closed at home. Consider putting wet towels or more secure types of sealants along sills and doorframes to help prevent smoke or dust getting in.
    • Wipe down dusty areas with wet cloth to prevent particles from becoming airborne.
    • Don’t bring potentially contaminated clothing or shoes indoors. 

    The surest way to understand your personal risk of exposure to toxins is to get your home’s air and soil tested. Here are some resources to learn more about that and what to test for:

    • Post Fire’s expert Q&As answer many common questions from fire survivors.
    • The L.A. Fire Health Study also has these resources.
    • Purdue University has recorded webinars for various aspects of fire recovery, as well as helpful information for soil testing here and here. 

    Additionally, the study raises questions about how to better protect people’s health not only during, but also after destructive urban fires, said Wu.

    “Much of our attention goes to the smoke during the active fire, but this study points to the cleanup and recovery phase,” she said. “This time window deserves just as much attention as the fire period itself.”

    For example, some survivors whose homes survived never left during debris removal — some cited concerns about not being able to afford another place to stay without upfront insurance payouts, as well as worries about looting.

    The study notes that workers in the burn zones faced the highest risk.

    “Based on our field observations, many workers in the debris cleanup zone did not wear masks despite California requirements to provide approved air purifying respirators to workers,” the researchers wrote.

    A man wearing a white safety suit clears debris by hand from a hillside property that burned in a fire.
    Crews remove wildfire debris on hillside property in Pacific Palisades last year. Researchers note in a recent study that many workers they saw weren't using respiratory protection.
    (
    Charles Delano
    /
    U.S. Army Corps of Engineers
    )

    Survivors push for policy to protect public health after wildfires

    Nicole Maccalla’s home in Altadena was damaged but ultimately survived the Eaton Fire. She and her two teenagers moved back in nearly six months after the fire, while debris removal was ongoing. Her daughter’s school nearby was also reopened just a month after the fires.

    “ I know I was exposed. I know my kids were exposed,” Maccalla told LAist. “I'm not really sure what to do with that, to be honest.”

    “Our entire community is really now guinea pigs,” she added. “It’s deeply concerning.”

    A woman with light skin tone and curly short hair takes a selfie between two children, a girl at left and a boy at right.
    Nicole Maccalla, with her kids, Seb and AJ. Their Altadena home survived the Eaton Fire but suffered serious smoke damage.
    (
    Courtesy Nicole Maccalla
    )

    Maccalla, a data scientist and member of Eaton Fire Residents United, helped guide ongoing research by scientists like Kleeman to better understand the levels of contamination after the fires.

    She said this study is a warning.

    “ I think in the future, we need to move a little slower in fire recovery. The goal should not be speed. The goal should be health and safety,” Maccalla said. “We rushed it, and I hope that we learn from this mistake.”

    She and fellow survivors see some hope in a new bill they helped inform. AB 1642, or the Wildfire Environmental Safety and Testing Act, is making its way through the California Legislature.

    The bill, written by Assemblymember John Harabedian, would establish the first statewide health standards for testing and cleaning up debris in and outside standing homes, schools, businesses and other structures after a wildfire.

    Maccalla urged fellow survivors worried about the results of this study to prioritize caring for their mental and physical wellbeing.

    “The stress of all of this is just going to be an added component that will be another contributor to us getting sick long term,” she said. “So many of us are still in survival mode. It's time, I think, to start taking care of ourselves a little bit.”

  • L.A. exceeds a mark set in 1983, with more to come
    Houses line flooded streets, with the ocean sparkling beyond.
    Tidewaters flood businesses and homes along Pacific Coast Highway in Orange County's Sunset Beach.

    Topline:

    Los Angeles has handily broken its record for most days of coastal flooding in a year. And that’s without including October in the tally and with a wet El Niño winter ahead — a worrying sign for coastal homes and infrastructure.

    The record: The number of days of coastal flooding observed at NOAA’s tide gauge in San Pedro are the highest recorded since observations started being taken in 1923. The previous record was set at nine in 1983, during another El Niño event.

    What's ahead: An oceanographer couldn’t say with certainty when flooding might occur next. She noted that high-risk times ahead coincide with Thanksgiving and Christmas.

    Why? Around then, the moon will be at its closest point to the Earth. The stronger gravitational pull from the moon causes what are commonly known as king tides, a nonscientific term for the highest predicted tides of the year.

    Read on ... for more about the record high tides and flooding.

    Los Angeles has handily broken its record for most days of coastal flooding in a year. And that’s without including October in the tally and with a wet El Niño winter ahead — a worrying sign for coastal homes and infrastructure.

    Researchers can’t yet project how many more days of flooding we’ll have in 2026 — but we’re already well ahead of what the National Oceanic and Atmospheric Administration’s models had forecast up to this point.

    NOAA oceanographer Karen Kavanaugh said models had predicted three to six flood days between May 2026 and April 2027. Those models took El Niño and sea level rise into account. She said that there have already been nine flood days in that window and added that the 12 flood days so far in the calendar year are “abnormally high.”

    The number of days of coastal flooding observed at NOAA’s tide gauge in San Pedro is the highest recorded since observations started being taken in 1923. The previous record was set at nine in 1983, during another El Niño event.

    When might we see more flooding?

    Kavanaugh couldn’t say with certainty when flooding might occur, but noted that high-risk times ahead coincide with Thanksgiving and Christmas. Around then, the moon will be at its closest point to the Earth. The stronger gravitational pull from the moon causes what are commonly known as king tides, a nonscientific term for the highest predicted tides of the year.

    In addition to these factors, the wide range of events affecting our tides this year, including storms, climate change, El Niño and related Kelvin waves, could very well cause other flooding events or cause the existing ones to become stronger.

    Kavanaugh said a combination of factors — specifically Kelvin waves and astronomical high tides — was exactly what was responsible for the flooding seen this week.

    “That could happen, perhaps, again in November and December if we have another pulse of a Kelvin wave,” Kavanaugh said.

    A man paddleboards with his dog along a flooded street.
    Flooding inundated coastal communities around Southern California this week, including Orange County's Sunset Beach.
    (
    Robert Gauthier
    /
    Los Angeles Times via Getty Images
    )

    How high will the tides be?

    Unfortunately, Kavanaugh said, there’s no way to predict the severity of upcoming king tide events at this moment in time.

    “But as we move closer to an event, there are good models that the National Weather Service uses to forecast flooding,” she added. “But they need it to be within seven days, sometimes shorter timelines.”

    High tide resources

    How to prepare for high tide conditions

    Kavanaugh recommended keeping an eye on National Weather Service reports for the latest information and predictions. (There are separate pages for Los Angeles and Orange counties.)

    Kavanaugh stressed that, given this year's unpredictability so far, people should be as prepared as possible.

    “It's an unusual type of phenomenon to plan for for some communities,” she said. “We're used to planning for a big storm, maybe, and flooding from that, but not planning for, ‘Oh, it's gonna be beautiful sunny weather, and also you might have flooding on the roads.’”

    Kavanaugh also recommended paying close attention to local emergency officials’ guidance and being mindful not to park cars in low-lying areas that could end up being inundated.

    “If [local officials are] asking you to get sandbags or things like that, keep those sandbags because you might need them again in a few weeks,” she said.

  • Sponsored message
  • Judge orders Trump's ads about GOP, $5000 pulled
    President Trump speaks to reporters after arriving on Air Force One, Friday, at Palm Beach International Airport in West Palm Beach.

    Topline:

    The federal government must pull three taxpayer-funded Trump administration ads that appear to have been made for political or propaganda purposes, including one touting the president’s claim that every American will get $5,000 if Republicans keep control of Congress in the upcoming election, a judge ruled Friday.

    Why now? U.S. District Judge Jennifer L. Rochon in New York sided with a coalition, including the nonpartisan watchdog Common Cause, in ordering the government to take down the advertisements titled “$5,000 to Americans,” “Every Democrat Voted Against No Tax on Tips,” and “Cost of Socialism.” She declined to pull several other ads.

    Why it matters: The plaintiffs sought the removal of at least 13 ads, but Rochon only ordered that the three be pulled, at least for now. She noted that the Government Accountability Office has observed that there are instances when the president’s office is entitled to inform the public of its policies, justify its policies and respond to attacks on its policies. Rochon said the plaintiffs were seeking to restrict the office in ways that were “broad and far-reaching,” and she found herself concluding that the government will ultimately prevail legally with regard to many of the ads.

    The backstory: Rochon ruled during a hearing in which she considered expanding a temporary restraining order she issued two weeks ago, when she banned a series of ads that glorify Trump and echo his political messaging going into the midterms.

    What's next: After Rochon issued the order, she noted that she was doing so on a Friday afternoon and that the government would have no excuse to delay taking them down immediately. A government lawyer acknowledged that he would be able to immediately notify relevant individuals responsible for taking down the ads.

    The federal government must pull three taxpayer-funded Trump administration ads that appear to have been made for political or propaganda purposes, including one touting the president’s claim that every American will get $5,000 if Republicans keep control of Congress in the upcoming election, a judge ruled Friday.

    U.S. District Judge Jennifer L. Rochon in New York sided with a coalition, including the nonpartisan watchdog Common Cause, in ordering the government to take down the advertisements titled “$5,000 to Americans,” “Every Democrat Voted Against No Tax on Tips,” and “Cost of Socialism.” She declined to pull several other ads.

    She said the three ads must be taken off official government websites, including social media sites such as YouTube, Instagram and the like. Rochon also ordered the cancellation of any plans for the airing or distribution of the ads through authorized third parties, including by President Donald Trump’s flagship super PAC, MAGA Inc.

    Rochon was nominated to the court by then-President Joe Biden, a Democrat, and once served as a law clerk for Trump’s sister, the late Maryanne Trump Barry, a longtime federal appeals court judge.

    Responding to the ruling, White House spokesperson Lauren Bis said: “This Biden-appointed activist judge issued a lawless order to stop the administration from sharing patriotic videos.”

    Rochon ruled during a hearing in which she considered expanding a temporary restraining order she issued two weeks ago, when she banned a series of ads that glorify Trump and echo his political messaging going into the midterms.

    The plaintiffs sought the removal of at least 13 ads, but Rochon only ordered that the three be pulled, at least for now. She noted that the Government Accountability Office has observed that there are instances when the president’s office is entitled to inform the public of its policies, justify its policies and respond to attacks on its policies.

    Rochon said the plaintiffs were seeking to restrict the office in ways that were “broad and far reaching” and she found herself concluding that the government will ultimately prevail legally with regard to many of the ads.

    The White House has defended the ads as public service announcements akin to what past administrations have made to promote various policies. But the recent ads differ from many past public service announcements because they don’t try to help the public benefit from specific government programs, according to the plaintiffs.

    After Rochon issued the order, she noted that she was doing so on a Friday afternoon and that the government would have no excuse to delay taking them down immediately.

    A government lawyer acknowledged that he would be able to immediately notify relevant individuals responsible for taking down the ads.

    “Everyone is here. Everyone can hear my order. No one is at the theater,” the judge quipped in a reference to excuses offered by government lawyers when her recent order, issued over a weekend, wasn’t immediately obeyed.

    Rochon said irreparable harm could result to the plaintiffs if she didn’t ban the ads while the court case proceeds, though she noted that she could reverse herself and restore the ads or ban additional ads after hearing more evidence in the coming weeks.

    “This court can neither postpone an election nor turn back the clock,” Rochon said after concluding that the plaintiffs were likely to succeed on their claims regarding the ads and would suffer harm if they were not taken down.

    “This temporary restraining order will stop the administration’s wanton disregard for the law while the court hears the full case,” said Bradley Girard, a lawyer with Democracy Forward. “Congress has made clear that partisan ads cannot be funded with taxpayer dollars, and we are proud to work with this coalition to earn today’s result.”

    In court papers, the coalition’s lawyers wrote that Congress did not appropriate funds to the president’s office “to run a PR shop to help the President’s allies and attack his perceived ideological opponents.”

    Assistant U.S. Attorney Jeffrey Oestericher wrote in response to the plaintiffs that there was nothing wrong with White House staff compiling advertisements to “inform the public about his policies and to rebut attacks on those policies and his Administration.”

    ___

    Associated Press writer Michael R. Sisak contributed to this report.

  • Veteran's are facing increased mortgage rates

    Topline:

    Thousands of military veterans with VA-backed mortgages have been hit with higher interest rates and monthly payments since last year, when the Trump administration shut down a low-interest program designed to help them.

    The backstory: Lenders offer loan modifications to enable homeowners to catch up on missed payments. It involves changing the loan terms, and for the vast majority of Americans, it either lowers their payment or keeps it the same, depending on what they can afford. But that's not the case for VA loans, since the VA abruptly ended the program. NPR found that 63% of veterans who received a loan modification were hit with a payment increase, compared with just 2% for modifications of loans guaranteed by the government-sponsored enterprises Fannie Mae and Freddie Mac, which cover most of the U.S. mortgage market.

    Read on... for more on veterans are being affected by the move.

    Thousands of military veterans with VA-backed mortgages have been hit with higher interest rates and monthly payments since last year, when the Trump administration shut down a low-interest program designed to help them.

    Among veterans who had their loans modified after a financial hardship, more than 15,000 saw their monthly payments increase by at least $150, according to an NPR investigation that obtained previously unreported data from the Department of Veterans Affairs.

    Loading...

    More than 700 veterans suffered payment increases of $1,000 or more.

    Lenders offer loan modifications to enable homeowners to catch up on missed payments. It involves changing the loan terms, and for the vast majority of Americans, it either lowers their payment or keeps it the same, depending on what they can afford. But that's not the case for VA loans, since the VA abruptly ended the program.

    NPR found that 63% of veterans who received a loan modification were hit with a payment increase, compared with just 2% for modifications of loans guaranteed by the government-sponsored enterprises Fannie Mae and Freddie Mac, which cover most of the U.S. mortgage market.

    Loading...

    "This is the height of insanity," said California Democratic Rep. Mark Takano, the ranking member of the House Veterans' Affairs Committee, after NPR shared its findings.

    "These are veterans that are already financially distressed — they were already in trouble," he said.

    Veterans like Scott Boyd are literally paying the price.

    When Boyd was a teenager, his dad died of cancer. He said he saw the military as a clear path to start helping his family.

    "My mom signed paperwork when I was 16," Boyd recalled. "I'm like, 'I'm sending my checks home to take care of my mom.'"

    He started out in the infantry and saw combat. Later, Boyd worked in Army intelligence in some dangerous places. When he got out in 2002, he had skills that set him up for a career in tech. In 2021, he bought a house near Columbus, Ohio, using a VA home loan. Like other buyers at the time, he got a nice low-interest rate. "I felt very blessed," he said.

    But a few years later, Boyd hit a crisis: He lost his job in a mass layoff, and he said his time in combat came back to haunt him in the form of PTSD. He checked himself into the Dayton VA hospital for treatment but fell behind on his mortgage.

    The top half of a beige single-family home with a triangular arch featuring two windows. Next to it, a rectangular end with a window divided into four squares. The roof is a dark color.
    Boyd and thousands of other veterans were pushed into much-higher-cost modified home loans. Hundreds are paying at least $1,000 more a month.
    (
    Maddie McGarvey for NPR
    )

    Most Americans can get help in a situation like this. Mortgage companies don't want to foreclose because both they and the homeowner experience losses. So they have levers they can pull to help people who've fallen behind on payments.

    Boyd's lender told him that he didn't have to worry because the VA had a loan forbearance program that would allow him to pause his payments and provide him with an affordable way to catch up after.

    "I later found out that wasn't true," he said.

    It wasn't true because the Trump administration then shut down a key part of the VA's home loan program. It was called the Veterans Affairs Servicing Purchase (VASP) program. Without it, vets like Boyd were stranded with no option but a much-higher-cost modified home loan at today's higher interest rates.

    In Boyd's case, he is now stuck paying $1,181 more — every month.

    "This is outrageous," said Boyd. "I remember just thinking to myself, 'This is just so broken.'"

    Some in Congress agree.

    "The VA home loan program should not be making things worse and more stressful for that veteran, a combat veteran, who's been through hell," said Takano, about Boyd's case in particular.

    A man with a medium-light skin tone, wearing a white blazer, light blue collared shirt and peach tie, speaks at a microphone with the Capitol building in the background.
    Rep. Mark Takano, D-Calif., speaks on Capitol Hill in 2025.
    (
    Rod Lamkey
    /
    AP
    )

    Illinois Republican Rep. Mike Bost, chairman of the House Veterans' Affairs Committee, did not respond to NPR's repeated requests for comment. NPR also reached out to Wisconsin Republican Rep. Derrick Van Orden, a committee member who led the call to wind down the VASP program. He also did not respond to requests for comment.

    The VA said in a statement that it helps thousands of veterans "retain homeownership and/or avoid foreclosure through programs like payment forbearance, loan modifications and individualized repayment plans."

    The VA was warned this would happen

    Before it was shut down, the VASP program was helping tens of thousands of veterans who had fallen behind on their home loan payments by rolling those missed payments into a new mortgage with a low 2.5% interest rate. That made the program a lifeline for vets in today's higher-interest-rate environment.

    And Boyd said his mortgage company had been telling him that he too could use VASP when he was able to resume paying his mortgage.

    " I would constantly ask them, 'OK, this is getting further and further behind,' and they were like, 'You have this last lever to pull.'"

    This was in the spring of 2025, just months into the second Trump administration. Key Republicans on the House Veterans' Affairs Committee vocally opposed VASP, which the Biden administration created after its own VA home loan disaster. Republicans warned that VASP was putting taxpayers on the hook for thousands of loans to vets who had trouble paying.

    "If the Biden version of VASP was allowed to continue, I fear that the home loan will not exist in the future for my fellow veterans," said Van Orden during a House Veterans' Affairs Committee hearing on March 11, 2025.

    A bald man with a white beard and a light skin tone wears a blue blazer, a white shirt and a yellow and blue striped necktie. He gestures at a podium. An American flag is on the left.
    Rep. Derrick Van Orden, R-Wis., speaks in Eau Claire, Wis., on Oct. 20. He is currently in a tight race for reelection.
    (
    Ellen Schmidt
    /
    AP
    )

    But at the same hearing, as well as in letters to Congress and press releases, the mortgage industry and housing groups explicitly warned the Trump administration not to kill the program without first creating another viable option for vets. They said if the VA shut down the program before standing up a replacement, vets would be left with far worse options than other American homeowners. With interest rates up around 7%, they warned that the only option left would be a modified loan at the current higher rates, which would result in foreclosures for those who couldn't afford the higher payments. And that's exactly what has been happening.

    " I was doing the math in my head as they were telling me, you know?" Boyd said about the loan modification he was presented with. "If I'm going from 2.75 to 6.75 … it seemed ridiculous," he said. Not only would that jump in his interest rate boost his payment by nearly $1,200 every month, but his loan term was extended to 40 years. So he went from about half of his monthly payment going toward principal to now more than 90% of his payment going to cover just the interest.

    "This was a foreseeable outcome of abruptly ending a program without a replacement in place," said Matthew Douglas, of the Housing Policy Council. He represents the largest mortgage companies in the U.S. and was among those warning the VA not to kill VASP. Asked about NPR's findings, he said, "It's a mathematical certainty that borrowers are going to have those kind of shocking payment increases." 

    Despite the warnings, the Trump administration ended the VASP program on May 1, 2025 — apparently in coordination with House Republicans, who announced the move before the Department of Veterans Affairs did, even though VASP was ended administratively, with no vote from Congress.

    "We — along with many of our colleagues — had serious concerns about the impact VASP would have on not only the future of VA's home loan program, but the mortgage lending business as a whole. Today, the Trump administration rightfully put an end to VA's VASP program," Bost and Van Orden said in a joint press release at the time.

    In his statement to NPR, VA press secretary Quinn Slaven wrote: "many leading voices in Congress supported the termination of VASP, which put the entire VA home loan program at risk."

    The VA's new program slowly rolls out

    A man in a black T-shirt stands facing a white wall. The wall has several items framed.
    Boyd lives with his partner and her four children, whom they are raising together.
    (
    Maddie McGarvey for NPR
    )

    At the same time Van Orden was calling for VASP to be scuttled, he had written a bill to replace it with a new VA Partial Claim Program (PCP). Congress quickly passed that bill with broad bipartisan support in the wake of the VA scuttling VASP. It directed the VA to create an option for vets behind on payments, enabling them to move their missed payments to the back of their loan term. That way, vets could keep their original mortgage and not be forced into a higher-cost loan.

    But after ending VASP, it took the VA more than 13 months to design and announce the details of the new program, which it did in June of this year. And the industry was then given another 180 days to implement it. Most mortgage companies still do not offer it.

    In that gap, thousands of veterans got modified loans with higher interest rates and payments. The VA's new PCP program won't do anything to help those vets — they'll remain stuck in those modified loans.

    Congress could help

    A man holds a medal in his hand. He has some sort of watch or dark-colored bracelet on his wrist.
    Boyd holds a challenge coin from the Department of Defense that was given to him during his military service.
    (
    Maddie McGarvey for NPR
    )

    NPR asked the VA about the vets who fell into the gap between the two programs. Slaven, the VA spokesman, said in his statement that the VA home loan program "is based on the premise that while Veterans may need some assistance, they must generally be able to make their mortgage payments."

    Industry groups say raising a struggling homeowner's payment makes it more likely for them to redefault and face foreclosure. Foreclosures on VA loans rose to a 10-year high after VASP was killed, according to industry data. Experts warned in a congressional roundtable in September that time is running out for the government to help these vets or a wave of foreclosures is still to come.

    Rep. Takano told NPR that the VA, if it chose to, could put these vets back into lower-cost mortgages or that Congress could pass a law to do it.

    "We could do something for those veterans who saw a jump in their interest rates," Takano said.

    Hanging on to home 

    A man in jeans and a dark T-shirt stands on a green lawn. Trees flank the background.
    Boyd says he feels defeated after receiving worse loan options from the VA.
    (
    Maddie McGarvey for NPR
    )

    Outside Columbus, Ohio, Scott Boyd is still managing to make those higher mortgage payments.

    When he bought the home, he said, it felt like a guarantee of shelter and stability for him, his partner and the four kids they are raising together.

    " I made a commitment, saying no matter what, I want to build a home that is big enough. …  I wanted to get them in better schools and things like that," he said.

    He was even able to help when his father-in-law became ill recently; they moved him into the finished basement, where he got home hospice care.

    So when he was presented with the terms of that loan modification, he had not only kids in the house but his dying father-in-law too. He'd just gotten back on his feet financially and was being told his options were the loan modification or foreclosure.

    "My job was still new, and that still felt shaky. … My PTSD was shaky. … It seemed like the right thing to do was just to take the modification," he said.

    Two weeks after Boyd signed the loan modification, the VA launched the new Partial Claim Program that would have allowed him to keep his original loan terms with the same monthly payment and low 2.75% interest rate. It took two more months before the first mortgage company offered vets access to the PCP, and most of the industry is still working to stand up the program before the deadline that the VA gave it of Nov. 28.

    Boyd said that he doesn't often talk about his service and that he doesn't feel entitled to be treated better than any other American. But he did not expect the VA to give him worse options than those of people who never served.

    " I really felt hurt more than anything. I wasn't angry. I was just like, I felt so defeated," Boyd said.

    "Everything that I've done for this country and the things that I've been through, the things that I've seen, the things I've had to deal with … it's come down to, 'Yeah, I'm sorry — it's not in our systems yet. … There's nothing we can do about it.'"
    Copyright 2026 NPR

  • Various groups say they've seen increased activity

    Topline:

    In the weeks ahead of the midterms, various cities and states across the country are reporting a notable rise in ICE activity, according to reports gathered by NPR and its member stations.

    What authorities said: NPR wrote to the agency to ask if there has been a recent surge. It responded: "ICE agents uphold our nation's immigration laws in all 50 states, seven days a week, 24 hours a day." And yet NPR and its member stations have received tips from rural Illinois, Oregon, Detroit and California about surges in ICE enforcement throughout October.

    The impact: Weiser of the Brennan Center says there's no indication the raids are affecting turnout. On the contrary, she says there has been a surge in early voting in minority communities across the country. "The good news is: it isn't working. Americans are tuning this out and we are not seeing a significant impact on participation. And we are actually seeing huge surges in participation in communities of color, and in Latino communities, and in all the communities that have been targeted by ICE and DHS."

    Very early on Wednesday morning, Dover, N.J., Councilwoman Sandra Wittner started getting messages about immigration agents. A dozen or more were gathering outside a Walgreens, according to the messages she was getting. Throughout the day, neighbors in north New Jersey saw a spike in Immigration and Customs Enforcement activity.

    And New Jersey is not alone. In the weeks ahead of the midterms, various cities and states across the country are reporting a notable rise in ICE activity, according to reports gathered by NPR and its member stations.

    "The tactics that the administration has been deploying in communities really appear to be designed to try to intimidate voters," says Wendy Weiser of the Brennan Center for Justice at NYU Law School. Despite that, early turnout is surging.

    "There was definitely a lot of apprehension and fear," Wittner recalls. "We just really weren't sure if something huge was about to happen. People were not feeling very comfortable or safe."

    Wittner is not sure who was detained or where, which is unsurprising: these days it's difficult to report on ICE crackdowns as they happen, because the Department of Homeland Security no longer publicly shares timely information on its operations.

    NPR wrote to the agency to ask if there has been a recent surge. It responded: "ICE agents uphold our nation's immigration laws in all 50 states, seven days a week, 24 hours a day."

    And yet NPR and its member stations have received tips from rural Illinois, Oregon, Detroit and California about surges in ICE enforcement throughout October.

    An official within New York Mayor Zohran Mamdani's office who was not authorized to speak publicly confirmed that they have noted a surge in ICE activity in the city.

    "We're certainly witnessing an uptick in activity, and have been since the summer," says a member of a volunteer group of neighbors in New York. She asked that NPR not use her name, as she is worried about retaliation. Her group goes to the scene where an ICE operation is happening, documents it, reminds those being detained of their rights, and alerts neighbors.

    "In the past few weeks we've seen numerous large operations, or what we call cluster raids, multiple agents going to one spot and then the next," she said.

    On the other side of the country, Oregon Public Broadcasting reporter Troy Brynelson has reported on a similar trend. "What we were seeing in early October and what we've seen continue, at least anecdotally throughout this month, is that ICE activity has really picked up in Portland." Brynelson says it seems to be concentrated in commercial areas. "I'd say it's a noticeable uptick compared to what we've seen over the summer."

    Juan Proaño of the League of United Latin American Citizens (LULAC), a civil rights organization, says he's concerned because this is happening so close to the midterm elections. "It's not about ICE at the actual polling station, it's ICE at the perimeter of the polling station," he says.

    "Mass enforcement actions could be away from the polls, but with social media and the news, it could be enough to dissuade somebody from actually going out to vote."

    Weiser of the Brennan Center says there's no indication the raids are affecting turnout. On the contrary, she says there has been a surge in early voting in minority communities across the country. "The good news is: it isn't working. Americans are tuning this out and we are not seeing a significant impact on participation. And we are actually seeing huge surges in participation in communities of color, and in Latino communities, and in all the communities that have been targeted by ICE and DHS."

    Even so, she says that intimidation at the polls is illegal, and should be reported.
    Copyright 2026 NPR