ANDREWS, Judge.
National Mortgage Corporation (National) held mortgages over Krell's residence and a separate rental property owned by Krell. Both mortgages were insured by the United States Department of Housing & Urban Development (HUD) under the National Housing Act (12 USC § 1701 et seq.). See 12 USC § 1709.
Krell defaulted on both mortgages by failing to make timely monthly payments. National refused to accept Krell's tender of partial payment...
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