DEKALB TEXAS NEWS AND BLOG


Latest News - DEKALB TEXAS

TxDOT roadwork report for week of Jan. 25


Bowie County U.S. 82 — From I-30 near New Boston to DeKalb, widening highway ...
Expect evening delays. Texas 42 — From Texas 31 north to I-20, curb and gutter and guardrail construction. Minimal impacts. Spinks-Chapman County Road — At Rabbit ...

Barrie elected DeKalb Superior Court chief judge


DeKalb Bar Association and the state bars of Georgia, Florida and Texas. In 2009, Georgia Association of Black Women Attorneys awarded Barrie with the Bensonetta Tipton Lane Award for her tireless dedication to family safety. In 2012, she was awarded the ...

TTPD Announces 2014 Dispatcher and Supervisor of the Year


January 19, 2015 | Texarkana Texas Police Department awarded the 2014 Dispatcher ...
which she handled the radio traffic on August 11 when a Bowie County Deputy and a DeKalb Police Officer were involved in an incident where shots were fired and the ...

Rodeo fans get triple the action at Western Stock Show


5.6. Team Roping: 1, JoJo Lemond, Andrews, Texas, and Josh Patton, Lubbock, Texas, 5.5 seconds. 2, Jake Orman, Prairie, Miss., and Tyler Domingue, Dekalb, Texas, 6.1. 3, Mike Bacon, Boswell, Okla., and Kyle Horton, Stigler, Okla., 6.4. 4, Aaron Tsinigine ...

Ronald Thomas Moore


He was preceded in death by his parents, and a brother. He is survived by his wife, Sybil Moore; four sons, Wayne of Sanger, Eugene of Norman, OK, David of Dekalb, TX, and Mark of Sanger; six grandchildren, and eight great-grandchildren.

BOBBIE STEWART


Bobbie Stewart, 71, of DeKalb, Texas, died Friday, Jan. 9, 2015, in Irving, Texas. Mr. Stewart was born Aug. 6, 1943, in DeKalb, Texas. He was retired from Red River Army Depot, a member of St. Paul Baptist Church, DeKalb, and a Navy veteran. Survivors ...

Texas fugitive arrested in DeKalb Co.


COLLINSVILLE, AL (WAFF) - A fugitive from Texas has been arrested in Collinsville and is awaiting extradition. According to Collinsville Assistant Police Chief, Rex Leath, an officer saw a pick-up truck sitting at a Mapco Service Station, just off of ...




SPECIAL INFORMATION FOR DEKALB

Avoiding Foreclosure in DEKALB

The Obama Administration has implemented a number of programs to assist homeowners who are at risk of foreclosure and otherwise struggling with their monthly mortgage payments. The majority of these programs are administered through the U.S. Treasury Department and HUD. This page provides a summary of these various programs. Please continue reading in order to determine which program can best assist you.

Please read FHA's brochure, "Save Your Home:  Tips to Avoid Foreclosure," also published in   Spanish,  Chinese and  Vietnamese.

Making Home Affordable

The Making Home Affordable © (MHA) Program is a critical part of the Obama Administration's broad strategy to help homeowners avoid foreclosure, stabilize the country's housing market, and improve the nation's economy.

Homeowners can lower their monthly mortgage payments and get into more stable loans at today's low rates. And for those homeowners for whom homeownership is no longer affordable or desirable, the program can provide a way out which avoids foreclosure. Additionally, in an effort to be responsive to the needs of today's homeowners, there are also options for unemployed homeowners and homeowners who owe more than their homes are worth. Please read the following program summaries to determine which program options may be best suited for your particular circumstances.

Modify or Refinance Your Loan for Lower Payments

  • Home Affordable Modification Program (HAMP): HAMP lowers your monthly mortgage payment to 31 percent of your verified monthly gross (pre-tax) income to make your payments more affordable. The typical HAMP modification results in a 40 percent drop in a monthly mortgage payment. Eighteen percent of HAMP homeowners reduce their payments by $1,000 or more. Click Here for more information.
  • Principal Reduction Alternative (PRA): PRA was designed to help homeowners whose homes are worth significantly less than they owe by encouraging servicers and investors to reduce the amount you owe on your home. Click Here for more information.  
  • Second Lien Modification Program (2MP): If your first mortgage was permanently modified under HAMP SM and you have a second mortgage on the same property, you may be eligible for a modification or principal reduction on your second mortgage under 2MP. Likewise, If you have a home equity loan, HELOC, or some other second lien that is making it difficult for you to keep up with your mortgage payments, learn more about this MHA program. Click Here for more information.
  • Home Affordable Refinance Program (HARP): If you are current on your mortgage and have been unable to obtain a traditional refinance because the value of your home has declined, you may be eligible to refinance through HARP. HARP is designed to help you refinance into a new affordable, more stable mortgage. Click Here for more information.

“Underwater” Mortgages

In today's housing market, many homeowners have experienced a decrease in their home's value. Learn about these MHA programs to address this concern for homeowners.

  • Home Affordable Refinance Program (HARP): If you are current on your mortgage and have been unable to obtain a traditional refinance because the value of your home has declined, you may be eligible to refinance through HARP. HARP is designed to help you refinance into a new affordable, more stable mortgage. Click Here for more information.
  • Principal Reduction Alternative: PRA was designed to help homeowners whose homes are worth significantly less than they owe by encouraging servicers and investors to reduce the amount you owe on your home. Click Here for more information.  
  • Treasury/FHA Second Lien Program (FHA2LP): If you have a second mortgage and the mortgage servicer of your first mortgage agrees to participate in FHA Short Refinance, you may qualify to have your second mortgage on the same home reduced or eliminated through FHA2LP. If the servicer of your second mortgage agrees to participate, the total amount of your mortgage debt after the refinance cannot exceed 115% of your home’s current value. Click Here for more information.

 Assistance for Unemployed Homeowners

  • Home Affordable Unemployment Program (UP): If you are having a tough time making your mortgage payments because you are unemployed, you may be eligible for UP. UP provides a temporary reduction or suspension of mortgage payments for at least twelve months while you seek re-employment. Click Here for more information.
  • Emergency Homeowners’ Loan Program (EHLP):  Click Here for more information about EHLP assistance provided in your state.
  • FHA Special Forbearance: If you are having difficulty making mortgage payments because you are unemployed and have no other sources of income, you may be eligible for FHA's Special Forbearance.  FHA now requires servicers to extend the forbearance period, by offering a reduced or suspended mortgage payment for up to twelve months, for FHA borrowers who qualify for the program. Click Here for more information.

Managed Exit for Borrowers

  • Home Affordable Foreclosure Alternatives (HAFA): If your mortgage payment is unaffordable and you are interested in transitioning to more affordable housing, you may be eligible for a short sale or deed-in-lieu of foreclosure through HAFA SM. Click Here for more information.
  • “Redemption”is a period after your home has already been sold at a foreclosure sale when you can still reclaim your home. You will need to pay the outstanding mortgage balance and all costs incurred during the foreclosure process.

Contact Your Lender

If you are experiencing difficulties making your mortgage payments, you are encouraged to contact your lender or loan servicer directly to inquire about foreclosure prevention options that are available. If you are experiencing difficulty communicating with your mortgage lender or servicer about your need for mortgage relief, there are organizations that can help by contacting lenders and servicers on your behalf. 

 

Assistance for FHA-Insured Homeowners

The Federal Housing Administration (FHA), which is a part of the U.S. Department of Housing and Urban Development (HUD), is working aggressively to halt and reverse the losses represented by foreclosure. Through its  National Servicing Center (NSC), FHA offers a number of various loss mitigation programs and informational resources to assist FHA-insured homeowners and home equity conversion mortgage (HECM) borrowers facing financial hardship or unemployment and whose mortgage is either in default or at risk of default.

  • Click Here to log onto the NSC Loss Mitigation Programs home page.
  • Click Here for answers to Frequently Asked Questions about FHA’s loss mitigation programs.

Contact FHA

FHA staff are available to help answer your questions and assist you to better understand your options as an FHA borrower under these loss mitigation programs. There are several ways you can contact FHA for more information, including:

  • Call the National Servicing Center at (877) 622-8525
  • Call the FHA Outreach Center at 1-800-CALL FHA (800-225-5342)
  • Persons with hearing or speech impairments may access this number via TTY by calling the Federal Information Relay Service at (800) 877-8339.
  • Email the FHA Resource Center
  • The Online FHA Resource Center

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DEKALB TEXAS tspan:3m DEKALB TEXAS




GET YOUR MEDICARE READY FOR 2015 IN DEKALB

Do you make resolutions for the new year? Here are some easy ones you can keep that will help get you ready for 2015:

1. Check to see that you have the right insurance card to use when you go to the doctor in 2015. Did you change your health or drug plan during Medicare Open Enrollment? If you did and you haven’t received your new card or welcome packet by January 1st, contact your plan for help. If you need to fill a prescription right away, find out how to fill a prescription without your card.

If you changed from a Medicare Advantage Plan (like an HMO or PPO) back to Original Medicare, use your red, white, and blue Medicare card when you go to the doctor. Get a new card if you lost or damaged yours, or need to update your information.

2. Budget for next year’s Medicare Part B deductible.

Remember, if you have Medicare Part B and you’re in Original Medicare, you’ll have to meet your deductible before your Medicare coverage pays for services and supplies. Next year, the Medicare Part B deductible will be $147, the same as it was in 2014. Plan your health care budget to account for the increased cost of doctor visits for the time that it will take to cover your deductible. Find out more about Medicare costs in 2015.

3.  Schedule appointments to get any preventive tests or screenings.

Medicare covers all sorts of preventive services to keep you healthy and screenings to check for health problems, and many are covered each year at no cost to you. Ask your doctor when you should schedule your wellness visit and other screenings. You can also use MyMedicare.gov to track your visits and make a calendar of preventive services.

Talk to your doctor about these covered preventive services to find out what’s right for your health needs.

4. Make sure your drug or health plan meet your needs.

If not, Medicare has a way for you to get the coverage you want instead of having to wait for the next Open Enrollment. At any time during the year, you can switch to a Medicare Advantage Plan or Medicare Prescription Drug Plan that has a 5-star rating.

Plan ratings are based on member surveys, information from doctors and health care providers, and other sources. The plan ratings are scores that show the quality and performance of the plan, on a scale of 1 to 5 stars, with 5 being the highest rated plans.

You can make this change once per calendar year. Find 5-star health and drug plans in your area.

Remember to check www.medicare.gov for the latest Medicare news and information, and have a happy and healthy new year!

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How I can eat a healthy diet?

The body needs minerals, vitamins and other nutrients to stay healthy. A healthy diet means you are eating:


  • Vegetables, fruits, whole grains and non-fat dairy and low-fat
  • Fish, seafood, chicken or turkey, lean meats and low-fat, eggs, beans, peas (peas), seeds and nuts


    Limit your intake of foods rich in:


  • Cholesterol, sodium (salt) and added sugar.
  • Fat trans: fats trans can be found in foods such as cakes (or cakes), cookies, margarine that comes in bars and fried foods.
  • Saturated fats: These fats are in animal products such as cheese, high-fat meats, whole milk and butter.
  • Refined grains: refined grain products include white bread, pasta, white rice and flour tortillas, among others.


    Get a personalized diet plan to help you choose healthy foods



    Having too much cholesterol in the blood can cause heart disease or heart attack. Approximately one in six people in the United States have high cholesterol. You may have high cholesterol and not know it. Good thing its easy to get tested for cholesterol, and if you go too high, you can take steps to control it.


    Who should be tested for cholesterol?


  • Men who are 35 or more
  • Men under 35 who have heart disease or are at risk of suffering from
  • Women who have heart disease or are at risk of suffering from


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