MONTICELLO FLORIDA NEWS AND BLOG


Latest News - MONTICELLO FLORIDA

Infant JaCarri Angel Wade


Hoboken and Carolyn Wade of Monticello, FL; paternal grandparents, Alzie Henry, Philadelphia, PA and Eroll Anderson, Kingston, Jamaica; maternal great-grandmother, Thelma Wade Canty, Monticello, FL and numerous aunts, uncles, cousins, other relatives and ...

Weather video from Mesa and Monticello


Tampa, Florida -- Tampa Police officers have arrested a man for causing a crash that killed one person and injured five others - including an El Paso woman - who were riding in a minivan Tuesday night. Vote for Best of the Border 2014 Reader Favorites Fill ...

Patricia "Pat" Clark Barfield obituary


Patricia "Pat" Clark Barfield, 78 of Graceville, FL passed away, Wednesday, January 7, 2015 at her residence following an extended illness. Pat was born in Monticello, Florida on December 3, 1936 to the late Judson Douglas Clark and Beulah Weeks Clark.

Rabe in for CTSCC race at Daytona and partial season campaign


Monticello, NY – Professional road racer Jason Rabe will ...
and finished in the top five.” Teammate Low is a Florida local and will be making his first ever CTSCC start. "I'm looking forward to teaming up with Ethan, I've heard good things, and ...

School districts give tax break to vets


Monticello, Liberty, Roscoe, Fallsburg and Livingston Manor haven’t decided yet. Orange County: Chester, Goshen, Greenwood Lake, Minisink, Pine Bush, Tuxedo, Washingtonville, Warwick Valley, Newburgh, Valley Central and Florida all approved it.

VSU splits with West Florida


West Florida jumped out to an early 7-0 lead with three quick ...
when she scored 25 points and hauled in 16 rebounds against Arkansas Monticello on November 28, 2014. For the Blazers, Thomas led the way offensively with six field goals on 16 attempts ...

New York racinos face competition with new upstate casinos


Only one, the operators of Monticello Raceway in the Catskills ...
Political Currents (Monday - Friday) Keep up with the latest in politics - in Florida, the nation, Latin America and the Caribbean. Miami Herald is pleased to provide this opportunity ...

1 MW solar array in Monticello, Florida, powers American manufacturing


Region Solar has completed a 1.004 MW solar photovoltaic ground-mounted system at VizCo’s 26,000 sqft. manufacturing facility in Monticello, Florida. This solar system is projected to produce 1,002,400 kWh of electricity annually, and will be net-metered ...

64th annual Watermelon Festival in Monticello


The Monticello Jefferson County Chamber of Commerce hosted the 64th Annual Watermelon Festival in Monticello, Florida on Saturday, June 21, 2014. Local farms began growing watermelons during the late 1800s. By 1884, Jefferson County was considered the top ...

Florida ghost tours: Monticello


Are you looking to experience a Florida ghost tour this month? If so, you have to check out the tour offered through Historic, and haunted, Monticello. This small town is located near Tallahassee and has 15 confirmed ghosts residing there. Every ghostly ...




SPECIAL INFORMATION FOR MONTICELLO

Avoiding Foreclosure in MONTICELLO

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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MONTICELLO FLORIDA tspan:3m MONTICELLO FLORIDA




Save Money on Homeownership in MONTICELLO

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]




The city agains Asthma

 If you or your child has asthma, you are not alone. About 23 million people in the United States suffer from asthma. Asthma is the leading cause of disease of long duration in children.

We are all responsible for protecting the conditions that determine a good level of health for our family and our community. Education is the basis for creating health-promoting environments for all.

At present, we have at our disposal a wealth of information about asthma. Hence, both the parents and the people who are caring for children play an important role in the transmission of knowledge, and changing lifestyle of the family.

Since the EPA is committed to educating all people about asthma, then you will find useful information that will help you more effectively control asthma.

What are the environmental factors that cause asthma?

Asthma can be triggered by allergens or irritants that are common in our homes.The most common factors are:

Smoke snuff

Asthma can be caused by smoke from a cigarette butt, pipe or cigar and also by the smoke exhaled by a smoker.
  • Choose not to smoke in your home or car or allow others to do so.

Dust mites

Dust mites are too small to be seen with the naked eye, but are in every home.They live in mattresses, pillows, carpets, furniture fabric wallpaper, bedspreads, clothes and stuffed toys.
  • Wash sheets and blankets weekly in hot water.
  • Choose soft toys that are washable, and wash them often in hot water, drying them completely. Keep these toys off beds.
  • Cover mattresses and pillows with covers that prevent the passage of dust (allergen impermeable) having a closure.

Pets

Skin flakes emerging from domestic animals, urine and saliva may trigger asthma.
  • Consider keeping pets out of the house or finding a new home if necessary.
  • Keep your pets all the time outside the bedroom or any other area that is used for sleeping and keep the doors shut.
  • Keep pets off the furniture with tapestry fabric, carpets and stuffed toys.
Learn more at www.epa.gov/asthma/pets.html 

Moho

Mold grows in damp places or materials. The key to mold control is moisture control. If mold is a problem in your home, clean and remove excess water or moisture. Reducing moisture also helps reduce other factors that cause asthma, such as cockroaches.
  • Wash mold off hard surfaces and dry completely. Absorbents, such as tile roofs and carpets, if they rust, should probably be removed or replaced materials.
  • Make any water leaks in the pipes and pipes and other sources of water supply.
  • Keep drip pans in your refrigerator, air conditioner and dehumidifier environments, clean and dry.
  • Use exhaust fans or open windows hold while cooking or when using the dishwasher.
  • Use exhaust fans in the bathrooms while showering.
  • Place the exhaust in a clothes dryer to the outside.
  • Keep the humidity inside the house at a low level, 30 to 50 percent relative humidity. Humidity levels can be measured by hygrometers which can be purchased at hardware stores.

Cockroaches

Droppings or excretions of cockroaches can trigger asthma.
  • Do not leave food or garbage out environmental exposure.
  • Store food in tightly sealed containers.
  • Clean all food waste or spilled liquids immediately.
  • First try to control cockroaches using poison baits, boric acid or traps before using pesticide sprays.
If sprays are used:
  • Limit yourself to use only in infested areas.
  • Carefully follow the instructions found on product labels.
  • Ensure that enough fresh air when you spray and keep the person with asthma out of the home.

Preventing asthma attacks

Visit www.noattacks.org/es. To make an asthma action plan, tips on how to manage asthma and get a copy of the popular activity book "Dusty the Goldfish".
www.noattacks.org/es
  • Step 1: Talk to your doctor about your child´s asthma. If your child has asthma or you think your child has this disease, take your child to a doctor.The doctor will work with you to ensure that your child has an asthma attack.
    • Learn what causes asthma in your child.
    • Identify your asthma triggers in your home are.
    • Learn how to rid your home the factors that cause asthma.
    • Know what your child should take medication.
  • Step 2: Make a plan. Ask your doctor to help you create an individual action plan to control your child´s asthma. Work with your doctor to create a plan of action to help you learn how to prevent asthma attacks your child regularly.
  • Step 3 - Make your home resistant asthma. The factors that cause asthma are part of our daily lives. Asthma attacks can be caused by mold growing on the shower curtain in the bathroom, dust mites living in blankets or blankets, the pillows and stuffed toys of your child. Learn more about the things that can cause an asthma attack and what you can do to eliminate them and keep your child healthy.

Tools Program Indoor Air Quality for Schools

EPA has developed a program of Air Quality Tools for Schools Interior to reduce exposure to environmental contaminants in them through the voluntary adoption of practices to manage indoor air quality.
IAQ Tools for Schools Program
The "program IAQ Tools for Schools "is a detailed to help maintain a healthy environment in school buildings by identifying, correcting and preventing problems of air quality resource.Poor indoor air quality in schools can affect the comfort and health of students and staff, which in turn can affect concentration, attendance, and student performance. In addition, if the school takes to react promptly as poor air quality, students and staff are at increased risk of health problems in the short term, such as fatigue and nausea, as well as problems long-term health such as asthma. Read more about it and download or order a kit action " IAQ Tools for Schools ".
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