EAST LIVERPOOL OHIO NEWS AND BLOG


Latest News - EAST LIVERPOOL OHIO

InventHelp Inventor Develops Versatile Holiday Wreath (WGH-4447)


"I wanted to be able to easily spruce up my home for the holidays," said an inventor from East Liverpool, Ohio. "I did not want to have to waste a time searching for decorations, and then hanging them up, so I devised a versatile decoration that ...

It’s ‘people helping people’


EAST LIVERPOOL, Ohio -- Heritage Thermal Services, formerly Waste Technologies Incorporated, is a large, hazardous waste incinerator in East Liverpool. On Tuesday, aside from its normal operations, employees, including its President John Avdellas ...

East Liverpool grads witnessed history


Smack dab in the middle of the Oregon cheering section were a large number of Ohio State fans, including two former East Liverpool Potter hoopsters.

Career-tech program gets all As on state report card


EAST LIVERPOOL - While the city school district continues efforts to improve its academic performance, its career-tech program can boast being one of only a handful in Ohio to have received straight As on the state report card.

Chicago man in court after crashing SUV into East Liverpool home


It was a chase that went through several communities, traveled 13 miles, involved three police agencies, and ended when the SUV crashed into an East Liverpool home. The chase began shortly before 1:00 PM on Saturday in Lisbon when an Ohio State Highway ...

Crisis course offered


EAST LIVERPOOL, Ohio - Rural Domestic Preparedness Consortium will hold a free Department of Homeland Security-certified crisis management for school-based incidents for key decision-makers course from 8 a.m. to 5 p.m. Jan. 26-27 at East Liverpool City ...

John Campanelli's blog: Trophy isn't only thing raised by title


As sweet as it is, it’s not a Cleveland championship. We have to share this one with all of Ohio, from East Liverpool to West Carrollton. The champagne is diluted. Of course not everyone is a sports fan. And any major sports trophy has the tarnish that ...

Columbiana chase ends in crash


EAST LIVERPOOL, Ohio (WKBN) — A chase today through Columbiana County ended with an SUV in a garage in East Liverpool. This was the scene this afternoon on Wyoming Street after Ohio State Highway Patrol Troopers chased the driver of this silver SUV.

East Liverpool woman accused of $860,000 bank fraud


EAST LIVERPOOL, Ohio (WYTV) – A federal grand jury indicted an East Liverpool woman, charging her with bank fraud, according to a U.S. Attorney’s Office statement released Wednesday. The grand jury alleged that Mary Jo Schmidbauer, 67, knowingly ...

East Liverpool and the Unforgiving Economy of Rural Appalachia


About 100 miles Southeast of Cleveland, nestled in the foothills of the Appalachian Mountains, along the Ohio River sits the small city of East Liverpool, Ohio. Once known as the pottery capitol of the world, many of the China and glassware factories have ...




SPECIAL INFORMATION FOR EAST LIVERPOOL

Avoiding Foreclosure in EAST LIVERPOOL

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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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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  • 6 Tips for Managing Portion Size

    Eating healthy is about enjoying your food while also managing portion size. Most people eat and drink more than their bodies need especially when they are served larger portions. So, choosing smaller portions to begin with is important for maintaining your overall health and well-being.

    Here are some tips to help you manage your portion size:

    1. Measure out 1 cup, 1/2 cup, or 1 ounce of some different foods onto the bowls, glasses, cups, and plates you usually use to see what these portion sizes look like on them.
      Remember:
      • 1/2 cup = light bulb
      • 1 cup = baseball
      • 1 oz. or 2 tbsp. = golf ball
      • 3 oz. of chicken or meat = deck of cards
      • 3 oz. fish = checkbook
    2. Eat you meals on a smaller plate. The smaller your plate, the smaller your portion.
    3. Finished your plate but think you’re still hungry? Wait 10 minutes before going back for seconds. You might not want them after all. If you do go back for seconds, aim for the same balance you had with your first serving and start with veggies.
    4. When ordering at a restaurant, ask for a take-home container as soon as your meal comes. Put half of the meal in the take-home container so you’re sure to let your stomach—instead of your eyes—be your guide. Or share the meal with a dining companion. Many restaurants offer a smaller or “appetizer size” of entrees, so when a smaller portion is available, go for it!
    5. Buy or portion out treats and snacks in small, single-serving bags or packages.
    6. Check out the food label for serving size info

    Try This: Small changes like these can make a big difference. Commit to making at least one change to reduce your portion sizes this week.

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