HARRELLSVILLE NORTH CAROLINA NEWS AND BLOG


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Eat Local! Great Resources in the Harrellsville area


What’s one small change that 1) significantly improves your health 2) helps the environment 3) boosts North Carolina’s economy and 4 ...
When you shop the farmstands or farmer’s markets in the Harrellsville area, you get fresher, better-tasting ...

Affiliated educational universities trustee list


During the Baptist State Convention of North Carolina’s (BSC) Annual Meeting Nov. 11-12 ...
Mount Herman Baptist; James W. Mason, Harrellsville, Harrellsville Baptist; Jesse E. Vaughan, Murfreesboro, Meherrin Baptist; Linda B. Weaver, Henderson ...

Deadly N.C. tornadoes were a year ago today


Askewville and Harrellsville. The two tornadoes, one an EF-3 and another an EF-2 also caused damage in Hertford and Gates counties. In all, 24 people died in the 30 tornadoes reported across North Carolina, the most ever on a single day. 900 homes and ...

N.C. Highway Historical Marker To Commemorate Choanoac Village Oct. 21


RALEIGH – The North Carolina Department of Cultural Resources’ Highway ...
The dedication will be at Mount Pleasant Baptist Church on N.C. 45 in Harrellsville. Explorers Ralph Lane, Thomas Harriot and John White encountered the Choanoac Indian tribe ...

Melvin Riddick


Melvin Eugene Riddick, the treasurer of Calvary Baptist Church in East Hampton from 1979 to 1994, died in North Carolina on April 19. A service at Mount Pleasant Baptist Church in Harrellsville, N.C., was held on April 23 to honor Mr. Riddick, who was the ...

Tornado kills 11 people across Bertie County, N.C.


but more than 60 were reported in North Carolina, leaving the state with 21 confirmed deaths. One killed four people in southeastern Bladen County, then hopscotched more than 150 miles, eventually moving into Bertie County, on the Chowan River about 25 ...

April 16: Cataloging the damage


North Carolina. There meteorologists discovered two separate tornadoes had touched down Saturday evening. The first, an EF-3, had a path length of almost 19 miles between the towns of Askewville and Harrellsville. It claimed 11 lives and injured another 50 ...

Harrellsville, North Carolina Vacation Rentals


Harrellsville, North Carolina offers great vacation house rental and home rental-by-owner deals for the knowledgeable traveler. No matter what budget or level of comfort you seek in your holiday to Harrellsville, NC, there's surely a great local vacation ...

The Roanoke-Chowan News-Herald


He moved to Harrellsville in 1873 and was made postmaster. Robbins was the second North Carolina black granted a patent. The 1874 patent was for a new type of cotton cultivator and another patent was issued to Robbins three years later for a saw-sharpening ...

USDA appoints Peanut Standards Board members


Virginia-Carolina Region (North Carolina and Virginia) producers: George McGee of Severn, N.C. (2003); Paul W. Rogers Jr. Of Wakefield, Va. (2004); and James W. Mason of Harrellsville, N.C. (2005). Industry representatives: Dan Boone of Chesapeake ...




SPECIAL INFORMATION FOR HARRELLSVILLE

Something that you may to know about Saudi Arabia

"The Kingdom ... strongly condemns and denounces this cowardly terrorist act that is rejected by true Islamic religion as well as the rest of the religions and beliefs."

So reads the statement issued by Saudi Arabia, where I grew up, the day the offices of "Charlie Hebdo" came under attack, with the loss of 12 lives.

Last Sunday, to show further solidarity with the victims, the Saudi ambassador to France joined other world leaders in Paris for a unity rally to celebrate free speech.

This is consistent with the face Saudi Arabia presents to the outside world. Visitors to the website of the Saudi embassy in Washington are invited to "learn ... how the Kingdom´s political system is rooted in Islam´s traditions which call for peace, justice, equality, consultation and respect for the rights of the individual."

Just two days before the Paris rally, my friend Raif Badawi was removed, in shackles, from a mini-bus outside the Al-Jafali mosque in Jeddah as a large crowd gathered around him after Friday prayers. According to eyewitnesses, he closed his eyes and raised his head skyward as a security officer approached him from behind with a large cane and started to beat him. Witnesses say Raif was lashed 50 times. Afterwards, he was taken back to prison where he is serving a 10-year sentence—for blogging.

Raif´s next flogging was set to take place today, but Saudi authorities postponed it due to medical advice, his wife said. She expects he will be flogged again next week—and every following week—until his sentence of 1,000 lashes is complete.

Raif is officially charged with "adopting liberal thought," "founding a liberal website," and "insulting Islam." He has become the latest symbol of the two-faced policy his country takes towards human rights.

Saudi Arabia is a strong American ally that has enjoyed virtually unconditional support from the United States for decades. President Bush famously held hands with its monarch, King Abdullah, as the two strolled through his Crawford, Texas ranch during the King´s 2005 state visit. President Obama was widely criticized for appearing to bow to Abdullah at a G-20 summit in London.

In the same month that ISIS horrified the world with its brutal beheading of journalist James Foley, Saudi Arabia publicly beheaded 19 people, for crimes ranging from smuggling cannabis to sorcery. Limb amputations for theft are sanctioned by the state religion.

In addition to oil, Saudi Arabia is the world´s leading exporter of Salafism, an ultra-conservative strain of Islam. The country touts itself as the birthplace of the religion of peace—yet underlines the Islamic declaration of "Shahadah" on its flag with a sword. Osama bin Laden was a Saudi citizen, as were 15 of the 19 hijackers on 9/11.

Why does a world outraged by the horrific actions of ISIS and the Taliban turn a blind eye to the way this country treats its own citizens?

The first reason is obvious. It isn´t just our governments. Every time we fill our cars with gas, we all bow to the Saudi king.

The second is more complex.

Online videos of Raif´s flogging show worshipers from the mosque, including young children, running excitedly towards the square to watch the beating. Afterwards, the crowd erupts into cheers and applause, chanting "Allahu Akbar!" (God is Great!) in unison.

This isn´t surprising. The public likely considers Raif guilty of blasphemy and apostasy. A 2013 Pew Research poll found that large numbers in Muslim countries favor the death penalty for leaving Islam—including 88% of Egyptian and 62% of Pakistani Muslims, as well as majorities in Jordan, Malaysia, Palestine, and Afghanistan.

Of course, these views don´t represent all Muslims. But contrary to what we´re usually told, they aren´t just held by a fringe minority either. Many of these countries don´t have populations willing to rally en masse to support free speech and pluralism the way France did. The change has to first come from within.

Raif has sacrificed a great deal to make this change happen. The world must support him and call Saudi Arabia out on its hypocrisy.

Some time ago, just 50 miles east of where Raif is being held today, another dissident once spoke of change, of challenging the status quo, of radical new ideas that would ultimately transform his society. He was ostracized, persecuted, and eventually driven from his city by those wanting to kill him. He was Mohammed, the Prophet of Islam; his persecutors, the Quraysh tribe of Mecca.

Muslims endeavor to emulate the life of Mohammed. Saudi Arabia has instead chosen to emulate the Quraysh.

This week, Raif spent his 31st birthday imprisoned and wounded. With enough awareness, we can put enough international pressure on the Saudi government to ensure that he spends his next one with his wife and their three beautiful children.

Ali A. Rizvi is a Pakistani-Canadian writer and friend of Raif Badawi. He grew up in Libya, Saudi Arabia, and Pakistan, and is an advocate for secularism and reform in the Muslim world. He is currently writing his first book, "The Atheist Muslim." [5]



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Avoiding Foreclosure in HARRELLSVILLE

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

[11]



Save Money on Homeownership in HARRELLSVILLE

Watch on YouTube

President Obama and Secretary of Housing and Urban Development Julián Castro visited Phoenix, Arizona this afternoon to put a spotlight on the recovering housing sector.

Restoring security to homeownership has always been one of the President's top economic priorities, and the results are clear -- the housing market has greatly improved since President Obama took office.

The President’s push for new consumer protections and tough enforcement on abuses have given Americans more confidence in investing in homeownership:

  • Home sales are up.
  • Home building has more than doubled since 2009.
  • Home values have risen for the past three years.

But there's more work to do. Mortgages need to be more accessible and affordable for creditworthy families.

That's why today, at Central High School in Phoenix, the President announced a responsible reduction in the Federal Housing Administration’s (FHA) Mortgage Insurance Premium program. The Federal Housing Administration will reduce annual mortgage insurance premiums by 0.5 percentage points, from 1.35 percent to 0.85 percent.

The President’s new proposal to reduce the fees associated with buying a home would help first-time homebuyers save an average of $900 on their annual mortgage payment. More people buying homes would also strengthen the market, helping everyone who already owns a home.

In Phoenix today, President Obama explained that homeownership was a dream that should be open to all Americans. Not only will the President’s actions help numerous families realize the American Dream and get a place they can finally call home, but millions of families will save billions of dollars in mortgage payments in the coming years, helping to support and stabilize the housing market recovery.

President Obama delivers remarks on housing at Central High School in Phoenix

President Barack Obama delivers remarks on housing at Central High School in Phoenix, Az., Jan. 8, 2015. [31]








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