LOTT TEXAS NEWS AND BLOG


Latest News - LOTT TEXAS

8 Late-Round Sleepers Who Would Be Perfect for Miami Dolphins


The Texas State product has great character to start with ...
One of the top FCS players in the country throughout his career was Chattanooga’s Derrick Lott. The sixth-year senior is an older prospect, but he is powerful as a defensive tackle and ...

Judgments: Jan. 12 to 16


State of Texas, occupational license, agreed judgment 2012-663-CCL2 Acirma Corporation, v. Debra Christian, King Carraway, Jewel Carraway, and Hobart Carraway Jr., dismissed 2013-994-CCL2 Dan S. Denton v. Glenn Lott and Jimmie Wade Lott, injunction 2014 ...

Jan. 23 high school basketball results


JV: Teague 47, West 26 Leading scorer: Teague: Steen—16. West: Daniel—11. Rosebud-Lott 63, Chilton 43 Scoring; Rosebud-Lott: Whitfield—16; Lucas—4; Johnson—2; Fulton—3; Sherwood—2; Holman—10; Ocanas—4; Moore—4; B. Bennett—14 ...

Rebecca Ann Frazier Farmer


Burial will follow in the Beulah Cemetery. Reverends Van Lott and Allen Robison will officiate the service. Becky was born on May 24, 1963, to Dowell and Mae Frazier in Clarksdale. She grew up in Texas and graduated from Lampasas High School. She married ...

James Bricker receives Lifetime Achievement Award from Texas Association of Fairs & Events


The Texas Fairs & Rodeos Association could not have chosen a more ...
Directors are James Bricker, Brady Hanson, Don Dickens, Phil Fitzgerald, Gary Lott, Steve Green, Greg Dodson, Donny Smith and Dennis Threlkeld. Facilities Secretary is Gina Worthy.

Faith, Hope and Charity building is shaping up


In exchange, some Texas Baptists help out in other states in warmer times ...
About 18 months ago, in fact, they helped erect a new church building in Lott. “Churches, c1assrooms and family life centers which may not otherwise be built are made possible ...

Byrd's Chad Lott nominated as McDonald's All-American, Lakeview boys basketball escapes North Caddo: Shreveport roundup


Lott, a consensus three-star recruit by nearly every recruiting service, listed his top six schools back in August as LSU, SMU, Houston, UNLV, Creighton and Texas Tech. The 6-foot-3 guard has led Byrd to a 15-4 record this season. Other Louisiana nominees ...

What's happening in Cenla


Call Rev. Wesley Lott 318-451-5979 or Rev.Joseph Martin ...
OPEN RUNNING/WALK GROUP: 6:30 p.m., Spirit Foods and Friends, 1260 Texas Ave. Through the Garden District with a fun group of people. Call (919) 599-3264. BIBLE STUDY: 6:30 p.m., Bethel Missionary ...

Goodspeed to produce Toulouse-Lautrec musical by 'Driving Miss Daisy' writer Uhry and songwriter Aznavour


“Indian Joe” is a semi-autobiographical piece about a Texas beauty queen who befriends a homeless Native ...
How loyal? One devotee, Bill Lott, has been attending for seven years — and that’s even after he moved from Connecticut to Dagsboro ...

Byrd's Chad Lott nominated as McDonald's All-American


Lott, the two-time reigning The Times Boys Basketball Player ...
SMU, Houston, UNLV, Creighton and Texas Tech). He's made official visits to at least Texas Tech and LSU this fall. Other Louisiana nominees include four West Jefferson players (Jonathan ...




SPECIAL INFORMATION FOR LOTT

Avoiding Foreclosure in LOTT

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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Found Unclaimed Money in LOTT

What Is Unclaimed Money?

If the government owes you money and you do not collect it, then it’s unclaimed. This can also happen with banks, credit unions, pensions, and other sources.

Beware of unclaimed money scams. There are people who pretend to be the government and offer to send you unclaimed money for a fee. Government agencies will not call you about unclaimed money or assets. Learn how to spot these types of scams.

Currently, the government does not have one website for finding unclaimed money by name, Social Security number, or state. To find it, you’ll need to visit each site separately and perform a search.

States’ Unclaimed Money

  • Search by State  – Search your state’s listing of unclaimed funds and property.

Retirement

Taxes

Banking, Investments, and Currency

  • Bank Failures  – Search the Federal Deposit Insurance Corporation (FDIC) for unclaimed funds from failed financial institutions.
  • Credit Union Failures  – Find unclaimed deposits from credit unions.
  • SEC Claims Funds  – The Securities and Exchange Commission (SEC) lists enforcement cases where a company or person owes investors money.
  • Damaged Money  – The Treasury Department will exchange mutilated or damaged U.S. currency.

Mortgages

  • FHA-Insurance Refunds  – If you had an FHA-insured mortgage, you may be eligible for a refund from the Department of Housing and Urban Development (HUD).

Savings Bonds

International

  • Foreign Claims  – U.S. nationals can find money owed to them from foreign governments after loss of property.

Back to Top

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A problem in the city: A GREAT CONSUMPTION OF ALCOHOL IN ADOLESCENCE CAN IMPAIR THE BRAIN PERMANENTLY

To drink much during the teens years could lead to structural changes in the brain and memory deficits that persist in the adult phase, according to the disturbing results of a study done on animals. The study found that, even as adults, rats who had daily access to alcohol during his adolescence had reduced levels of myelin. With a function not very different from the  insulation of electrical wiring, myelin forms an insulating layer that surrounds the axons. These are filiform extensions of neurons that transmit nerve impulses.

These brain changes in rats were observed in a region important for reasoning and decision-making. Animals who drank more alcohol performed worse on a test of memory made when they were adults. The results suggest that high doses of alcohol during adolescence may continue affecting the brain even when the inpidual has left the consumption of alcohol. More research is needed to determine if these findings can be applied to humans.

According to the World Health Organization, a growing number of teens and young adults is provided to drinking to get drunk, consuming four (five for men) or more drinks in about two hours. Previous research in humans have shown an association between an episode of drinking excessive (binge) in adolescence, changes in the myelin sheath in several brain regions, and cognitive impairments in adulthood. However, it was unknown if alcohol was behind these brain differences and behaviour or if there was predisposition factors that could explain the found.

In this study, Heather N. Richardson, Wanette M. Vargas, Lynn Bengston and Brian. W. Whitcomb, of the University of Massachusetts in Amherst American city, as well as Nicholas W. Gilpin, of the State University of Louisiana in New Orleans, United States, compared the myelin in the prefrontal cortex (an area of the brain that is vital to reason and make decisions) in young male rats who gave a daily sweetened alcohol or sweetened water access for two weeks. It was found that animals that drank alcohol in his teens experienced a reduction in the levels of myelin in the prefrontal cortex, compared with those who drank a similar amount of sweetened water. When the researchers examined the animals exposed to the alcohol several months later, they found that continued showing levels of myelin reduced as adults.

In noticiasdelaciencia.com [21]








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