As more and more people have come face to face with the spector of foreclosure due to loss of jobs, a new program was established yesterday by HUD and Neighborworks. With funding totalling $800 million, it is designed to assist those whose income has dropped and now face possible foreclosure because of it.
Covering 27 states and Puerto Rico, it's called Emergency Homeowners Loan Program, or EHLP. It will provide interest free mortgage funds for up to two years or $50,000, whichever comes first. It also covers those in trouble due to underemployment or illness. For more info, contact HUD or Neighborworks America. Its web site is: www.nw.org/network/forsclosure/nfmcp/EHLPconsumers.asp .
As always, good luck.
Tuesday, June 21, 2011
Friday, June 10, 2011
The Streaks Continue!
Well, since Game 2 in Yankee Stadium, when the Sox had their longest string of YS success since 1939, they played the last game of the series there and--WON AGAIN! This means that the Sox have now won six in a row in YS for the first time ever. Their other streaks, six games overall and seven in a row over the Stripes obviously continue unbroken. Last night's game was one that I had thought would never get started due to a 3 hour plus rain delay at the start. When it got to 7:30 pm here on the left coast, I figured that's 10:30 pm in My and that would mean a finish, barring long innings or extra innings of at least 1:30 am (as it turned out, it was closer to 2 am), and that wasn't going to happen. Wrong! So the Hose, again with a team effort, backing JB's excellent pitching (after the 1st inning) won the series finale 8-3. JB gave up the first two Stripes runs in the 1st, then shut the team down. However, CC was pitching for the Y's and doing just fine--only a single hit through six. However, this game, barring rain, is played for nine innings and in the 7th, Papi led off with a single. This was his first response to being hit by CC a few innings earlier. When next he stepped to the plate, it was still the 7th, and he finished off the seven run inning he'd begun with his single by driving in more with a solid, ringing two bagger. The teams finished out with each adding a single run in the 9th, final being 8-3. The Dustman missed the game for an exam of his knee in the Hub, an injury that he sustained a little while ago against the Birds that has been hurting him and his plate work. Fortunately, surgery is not necessary for now.
Thursday, June 9, 2011
Good News For Californians!
In an announcement made yesterday, the California Housing Finance Agency said that a total of twenty mortgage servicing firms have now joined in participating in its federally funded Keep Your Home California program. Designed to help struggling homeowners make their mortgage payments, even if unemployed, the program uses federal funds to assist those owners. The twenty firms include the six largest in the state and is an increase from the original eight that started in February The group as a whole services about 80% of all home mortgages in California. So this is an important step.
Under the plan, there are a number of different programs that can be accessed, depending on the individual owner's situation. The program also has both Spanish and English language web sites for more information: Keep Your Home California and Conserva Tu Casa California. Google these names for exact site addresses. Alternatively, if you need help, call your bank immediately and see if they participate, and, if they do, how you can get the help you need.
As always, Good Luck!
Under the plan, there are a number of different programs that can be accessed, depending on the individual owner's situation. The program also has both Spanish and English language web sites for more information: Keep Your Home California and Conserva Tu Casa California. Google these names for exact site addresses. Alternatively, if you need help, call your bank immediately and see if they participate, and, if they do, how you can get the help you need.
As always, Good Luck!
Wednesday, June 8, 2011
Multiple Streaks!
Well, tonight the Sox beat the Stripes in Yankee Stadium (the House that George Remodeled). "Great", you say. But that's just the beginning. It's way better than that. Tonight's win is the fifth in a row overall and 18th of 24 for the Sox, and it's the 6th in a row by the Hose over the Stripes. Not enough? OK, here's the big one. It's the fifth in a row over the Stripes in the Stadium. Why is that such a big deal? The reason is that it's the first time the Sox have beaten the Stripes at Yankee Stadium five straight since 1939--72 years! That's saying something!
The way it was done was simultaneously a rout and a very tense game. How is that possible? Simple! The Sox opened with three in the first, topped off by Big Papi's 15th tater of the year, on the way to a seven zip lead. Sure has the makings of a rout. Just one inning later, it's 7-4, Sox. After the Hose extend the lead to 8-4, the Evil Empire's guys move to within three and still have three innings to go. Tightening up!This brings us to the Sox 9th. First two guys up are quickly retired. Will The Laser be called on to hold the lead--at three?He's all warmed up. But wait! Crawford turns on a pitch and the next you know, it's deep in the right field cheaps--9-5 Sox. Scutaro does his part, reaching base. Next up is JD, going O for the game so far. Not any more! He leans into an 0-1 pitch and drops it in the bullpen beyond the outfield. On it's way there, it hits the top of the wall and drops over--2 run homer; Sox 11-5. With that breathing room, Pap is sat back down, and Aceves gets to earn his first save in 2011. Although he does give up a harmless run, he closes out the Stripes, and the Hose 'W' is official--Sox in 1st all by themselves.
The way it was done was simultaneously a rout and a very tense game. How is that possible? Simple! The Sox opened with three in the first, topped off by Big Papi's 15th tater of the year, on the way to a seven zip lead. Sure has the makings of a rout. Just one inning later, it's 7-4, Sox. After the Hose extend the lead to 8-4, the Evil Empire's guys move to within three and still have three innings to go. Tightening up!This brings us to the Sox 9th. First two guys up are quickly retired. Will The Laser be called on to hold the lead--at three?He's all warmed up. But wait! Crawford turns on a pitch and the next you know, it's deep in the right field cheaps--9-5 Sox. Scutaro does his part, reaching base. Next up is JD, going O for the game so far. Not any more! He leans into an 0-1 pitch and drops it in the bullpen beyond the outfield. On it's way there, it hits the top of the wall and drops over--2 run homer; Sox 11-5. With that breathing room, Pap is sat back down, and Aceves gets to earn his first save in 2011. Although he does give up a harmless run, he closes out the Stripes, and the Hose 'W' is official--Sox in 1st all by themselves.
Tuesday, June 7, 2011
Turning The Tables!
I won't tell you that the following will solve your own foreclosure problems, but I do think it'll cheer you up a bit because it shows that the bank isn't always right when it comes to questions of foreclosure and default. With the recent MERS and robosigning scandals, most of us were aware of that, but even so, there are cases where a bank's behavior is so egregious, it bears retelling--especially when the homeowner gets the final laugh!
In Naples, Florida, this past Friday, Warren Nyerges got to turn the table on Bank of America. Seems Mr. N. had purchased a home from BofA in 2009 that the bank owned through a prior foreclosure--nothing to do with Mr. N. He saw the house, liked it and paid $165,000 in cash--NO MORTGAGE-- for the house, a nice 2700 square foot home in Naples. Sounds simple, right? Well, not so fast.
After about four months of living in his new home, a process server showed up one day and handed Nyerges a notice of foreclosure, which, you have to admit, is a pretty good trick when he never had a mortgage on the place.
Anyway, this was the start of 18 months of aggravation for Nyerges--phone calls, paperwork and court hearings, not to mention legal fees. But, finally, in September of 2010, a judge ruled in his favor and ordered BofA to pay Nyerges' legal fees and leave them the hell alone.
As always, time passed and BofA still never seemed to get around to paying the amount the judge said they owed Nyerges. What to do? What to DO?
Nyerges turned one around on the bank. He got a judge to allow him to march up to the local BofA office and seize the bank's assets; that's what to do! Last Friday, June 3, his attorney, in the company of sheriff's deputies, and a moving van, showed up at BofA's Naples office and started taking the bank's furniture out of the bank and into the van. Seems to have worked. An hour later, the bank had written Nyerges a check for $5772.88, and Nyerges had won the day. Is he happy? You bet! Does he wish he hadn't had to do this? I don't know for sure, but I'd bet he is. After all, he just wanted to be left alone to live in his house that he paid for. Now he can.
In Naples, Florida, this past Friday, Warren Nyerges got to turn the table on Bank of America. Seems Mr. N. had purchased a home from BofA in 2009 that the bank owned through a prior foreclosure--nothing to do with Mr. N. He saw the house, liked it and paid $165,000 in cash--NO MORTGAGE-- for the house, a nice 2700 square foot home in Naples. Sounds simple, right? Well, not so fast.
After about four months of living in his new home, a process server showed up one day and handed Nyerges a notice of foreclosure, which, you have to admit, is a pretty good trick when he never had a mortgage on the place.
Anyway, this was the start of 18 months of aggravation for Nyerges--phone calls, paperwork and court hearings, not to mention legal fees. But, finally, in September of 2010, a judge ruled in his favor and ordered BofA to pay Nyerges' legal fees and leave them the hell alone.
As always, time passed and BofA still never seemed to get around to paying the amount the judge said they owed Nyerges. What to do? What to DO?
Nyerges turned one around on the bank. He got a judge to allow him to march up to the local BofA office and seize the bank's assets; that's what to do! Last Friday, June 3, his attorney, in the company of sheriff's deputies, and a moving van, showed up at BofA's Naples office and started taking the bank's furniture out of the bank and into the van. Seems to have worked. An hour later, the bank had written Nyerges a check for $5772.88, and Nyerges had won the day. Is he happy? You bet! Does he wish he hadn't had to do this? I don't know for sure, but I'd bet he is. After all, he just wanted to be left alone to live in his house that he paid for. Now he can.
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