ELDRIDGE ALABAMA NEWS AND BLOG


Latest News - ELDRIDGE ALABAMA

Museum & Gallery Listings for Jan. 30-Feb. 5


Callicoon Fine Arts, 49 Delancey Street, near Eldridge Street, Lower East Side, 212-219-0326, callicoonfinearts.com. (Schwendener) Tyson Reeder: ‘New Paintings’ (through Feb. 15) Mr. Reeder helped to found the Dark Fair, an art fair (or meta-art fair ...

Arline S. Darland


Those left to honor her memory include her children, Jim, New Lenox, Ill., Jack (Carmen), Eldridge, Jeri (Al) Moore, DeWitt, Jay (Kathy), Columbus, Ohio, Jon (Nita), Taylor Ridge, Ill., and Jo (Randy) Epkes, Davenport; grandchildren, Kim, Tim, Craig ...

LETLOW, LOUIE


Louie Eldridge Letlow, 85, passed away at East Alabama Medical Center on January 25, 2015 of cardiac arrest. Funeral service will be held Wednesday, January 28, 2015 at 2:00 p.m. at First United Methodist Church of Opelika with Reverend Randall Woodham ...

Al Davis was Early Champion of Martin Luther King's Dream in Pro Football


King was born a black man in the American South, a native of Atlanta, GA, while Al Davis was born a Jewish white man in ...
and was behind his drafting of the first black quarterback in the modern era, Eldridge Dickey out of Tennessee State.

UNIVERSITY OF WEST ALABAMA: List of fall graduates


Duncanville: Danielle McDaniel. Dutton: Colette Glass-Holland. Eight Mile: Kemmavia Preston. Eldridge: Chasidy Tucker. Enterprise: Megan Simmons. Falkville: Sarah Bragwell. Gilbertown: Brittany Patrick. Gordo: Julie Phillips. Greenville: Lauren Locklear.

The Selma Times‑Journal


Mrs. Carolyn Eldridge Marshall and Mrs. Freddie Mae Eldridge Craig, all of Selma, Alabama; two brothers, Mr. James “Bossman” Richardson of Selma, Alabama and Mr. Ned Richardson of Bronx, New York; four sisters, Mrs. Sarah Lee Barnes, Mrs. Sarah Pearl ...

Eldridge man killed in car crash


An Eldridge man was killed early Sunday morning in a car crash ...
No other vehicles were involved in the incident. Two University of Alabama students are allowed back on campus after police say they caused additional fear in the wake of a threatening ...

Alabama Football: Recruits Tide Must Land After Missing on Eldridge Massington


For as big of a win as it is for UCLA though, Massington's decision will undoubtedly go down as a rare recruiting loss for Nick Saban and the Alabama Crimson Tide. Alabama was in Massington's final two, so it's the program that lost out on the 4-star receiver.

Former USC commit Eldridge Massington showing interest in Alabama


Alabama is battling with Southern California for the top spot in most major recruiting rankings and the Tide could take a big step in that battle with the recent decommitment of former USC pledge Eldridge Massington. The Mesquite, Texas wide receiver is a ...

Eldridge Massington's Stock Exploding, Alabama Offer Latest


One of the fastest receivers for his size in the country, West Mesquite (TX) wideout Eldridge Massington has seen his offer list grow rapidly this spring, including a major offer on Wednesday morning. In an extraordinarily deep class at wide receiver in ...




SPECIAL INFORMATION FOR ELDRIDGE

Avoiding Foreclosure in ELDRIDGE

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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Avoiding cyberbullyng in ELDRIDGE

Cyberbullying is bullying that takes place using electronic technology. Electronic technology includes devices and equipment such as cell phones, computers, and tablets as well as communication tools including social media sites, text messages, chat, and websites.

Examples of cyberbullying include mean text messages or emails, rumors sent by email or posted on social networking sites, and embarrassing pictures, videos, websites, or fake profiles.

Why Cyberbullying is Different

Kids who are being cyberbullied are often bullied in person as well. Additionally, kids who are cyberbullied have a harder time getting away from the behavior.

  • Cyberbullying can happen 24 hours a day, 7 days a week, and reach a kid even when he or she is alone. It can happen any time of the day or night.
  • Cyberbullying messages and images can be posted anonymously and distributed quickly to a very wide audience. It can be difficult and sometimes impossible to trace the source.
  • Deleting inappropriate or harassing messages, texts, and pictures is extremely difficult after they have been posted or sent.

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Effects of Cyberbullying

Cell phones and computers themselves are not to blame for cyberbullying. Social media sites can be used for positive activities, like connecting kids with friends and family, helping students with school, and for entertainment. But these tools can also be used to hurt other people. Whether done in person or through technology, the effects of bullying are similar.

Kids who are cyberbullied are more likely to:

  • Use alcohol and drugs
  • Skip school
  • Experience in-person bullying
  • Be unwilling to attend school
  • Receive poor grades
  • Have lower self-esteem
  • Have more health problems

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Frequency of Cyberbullying

The 2010-2011 School Crime Supplement (National Center for Education Statistics and Bureau of Justice Statistics) indicates that 9% of students in grades 6–12 experienced cyberbullying.

The 2013 Youth Risk Behavior Surveillance Survey finds that 15% of high school students (grades 9-12) were electronically bullied in the past year.

Research on cyberbullying is growing. However, because kids’ technology use changes rapidly, it is difficult to design surveys that accurately capture trends.

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Register now and request your ballots for the year in ELDRIDGE

The Federal Post Card Application (FPCA) registers you to vote, and acts as a request for your State absentee ballots for the year. It is important to complete a new FPCA annually, every time you move or at least 90 days prior to the election you want to vote in.

Completing a new FPCA is easy at FVAP.gov:

  • Select your State from the drop-down on the home page
  • Click the box at the bottom of the page to Register to Vote, Request a Ballot or Update My Voter Info
  • The FVAP online tool will walk you through the form, and provide you with a PDF packet to print, sign and send directly to your local election official (LEO); links are also provided here for States that offer online voter registration
  • You can check the status of your registration and/or ballot request by contacting your LEO at any time

Remember, the only way your LEO knows how to reach you is with the information you provide! Some States allow a longer time between registrations, but if you submit a new FPCA every year, you wont have to worry about your registration or ballot request status and can participate in all the elections* you´re eligible to.

* While there are no regularly scheduled elections for Federal offices, there may be some elections for office which are vacated by the end of the term. Being registered ensures you will be able to participate in these elections.

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If you experience any issues or have questions, FVAPs call center is available at 1-800-438-VOTE (8683), DSN 425-1584 or at vote@fvap.gov. Toll-free phone numbers from 67 countries are listed at FVAP.gov. Find us on Facebook at /DoDFVAP and follow @FVAP on Twitter.

PDF version of FVAP Voter Alert #1

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