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Latest News - SIERRA VISTA SOUTHEAST ARIZONA

Legacy Foundation gives Good Neighbor Alliance $17,500


SIERRA VISTA — The Good Neighbor Alliance can now hire a program manager through the first gift from the Legacy Foundation of Southeast Arizona. Saturday night a check for $17,500 was provided by the foundation to Kathy Calabrese, the executive director ...

Babin visits border, calls on President to make border security a priority


We traveled to San Diego, California, Tucson and Sierra Vista, Arizona and McAllen ...
And it must begin now – before it’s too late. Located in southeast Texas, the 36th Congressional District includes Newton, Jasper, Tyler, Polk, Orange, Hardin ...

Solunar Information for Sierra Vista Southeast, AZ


The elusive and rare Sierra Nevada red fox has been spotted in Yosemite National Park for the first time in nearly a century, park officials said Jan. 28. With cold weather is in full swing, many of our wildlife have made themselves scarce, waiting for ...

Pioneer Title focuses on local giving in '14


In Cochise County, Pioneer’s leaders and team members are involved with the Sierra Vista Chamber of Commerce, Southeast Arizona Association of REALTORS, Douglas Association of REALTORS, Land Title Association of Arizona, Sierra Vista Kiwanis, and Sierra ...

High water closes SR 92 south of Sierra Vista


The action comes in the wake of Wednesday's flash flood warning sparked by the remnants of Hurricane Odile as it pushed through southeast Arizona, the Cochise County Sheriff's Office said. The 11-mile closure begins about five miles south of Sierra Vista ...

Sierra Vista neighborhood is told to boil water


SIERRA VISTA, Ariz. (AP) — Residents in a southeast Sierra Vista neighborhood have been told to boil their water until further notice. Cochise Health and Social Services was notified Friday by the Arizona Department of Environmental Quality about a ...

Sierra Vista neighborhood is told to boil water


SIERRA VISTA, AZ - Residents in a southeast Sierra Vista neighborhood have been told to boil their water until further notice. Cochise Health and Social Services was notified Friday by the Arizona Department of Environmental Quality about a problem with ...

Boil Advisory Issued for Southeast Sierra Vista Neighborhood


TUCSON (KGUN9-TV) - Cochise Health and Social Services has been notified by the Arizona Department of Environmental Quality that certain East Slope Water Company customers should boil their water until further notice. On August 7th, a routine water test ...

Sierra Vista Southeast, Arizona Vacation Rentals


Sierra Vista Southeast, Arizona 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 Sierra Vista Southeast, AZ, there's surely a great local ...

Southeast Arizona Medical Center’s future in Douglas


Southeast Arizona Medical Center has helped generations of area residents ...
The SAMC’s governing board, and their Executive staff along with Sierra Vista Regional Health Center’s board and Executive staff are currently working on two fundamental ...

Southwestern United States


The Southwestern United States (also known as the American Southwest or simply the Southwest) is a region of the United States defined in different ways by different sources. Broad definitions include…

Central Valley (California)


California's Central Valley is a large, flat valley that dominates the geographical center of the U.S. state of California. It is 40 to 60 miles (60 to 100 km) wide and stretches approximately 450 mi…

Fullerton, California


Fullerton is a city located in northern Orange County, California. As of the 2010 census, the city had a total population of 135,161. Fullerton was founded in 1887. It secured the land on behalf of …

Moreno Valley, California


Moreno Valley is a city located in Riverside County, California and is part of the San Bernardino-Riverside Metropolitan Area. A relatively young city, its rapid growth from the 1980s to the early 200…

Oxnard, California


Oxnard /ˈÉ'ksn É'rd/ is a city in the United States, located along the coast of Southern California. It is the 19th most populous city in California and the most populous in Ventura County. The city l…

Fresno, California


Fresno (/ˈfrÉ& #155;znoÊŠ/ FREZ-noh), the county seat of Fresno County, is a city in the U.S. state of California. As of 2013, the city's population was 509,000 making it the fifth largest city in Californ…

Bakersfield, California


Bakersfield is a city near the southern end of the San Joaquin Valley in Kern County, California. It is roughly equidistant between Fresno and Los Angeles, which are 110 mi (180 km) to the north and…

El Cerrito, California


El Cerrito is a city in Contra Costa County, California, United States, and forms part of the San Francisco Bay Area. It has a population of 23,549 according to the 2010 census. El Cerrito was founded…

Los Gatos, California


The town of Los Gatos is an incorporated town in Santa Clara County, California, United States. The population was 29,413 at the 2010 census. According to Bloomberg Businessweek, Los Gatos is ranked t…

Obert: If the AIA let me place the football teams


If the Arizona Interscholastic Association locked me up in a room for a day and said, “Have at it on placing all of the high school football teams and breaking them down into sections,” this is what I…




SPECIAL INFORMATION FOR SIERRA VISTA SOUTHEAST

Found Unclaimed Money in SIERRA VISTA SOUTHEAST ARIZONA

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.

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SIERRA VISTA SOUTHEAST ARIZONA tspan:3m SIERRA VISTA SOUTHEAST ARIZONA




People help people. Gods do not help people

HealthDay news image Organ transplants have saved more than two million years of life in the United States over a period of 25 years, new research shows.But fewer than half the people who needed a transplant in this period they received, according to a report in the online edition of the January 28 issue of the journalSurgery JAMA ."The critical shortage of donors continues to affect this field. Just 47.9 percent of patients on the waiting list during the 25 years of the study underwent a transplant. The need is increasing, and therefore the Organ donation should increase, "wrote Dr. Abbas Rana, Baylor College of Medicine in Houston, and colleagues. The researchers analyzed the medical records of more than 530,000 people receiving organ transplants between 1987 and 2012, and nearly 580,000 people who signed up for the waiting list but never received a transplant. In that period, transplants saved 2.2 million life years, with an average of just over four years saved for each person who received a transplant from a living body, the study authors noted in a news release from the journal . The number of years saved by type of organ transplant life were: kidney, 1.3 million years; liver, more than 460,000; heart, almost 270,000; lung, about 65,000: pancreas and kidney, nearly 80,000; pancreas, just under 15,000, and intestines, around 4,500. One expert noted the relevance of the findings. "This study highlights the importance of organ donation, and shows that solid organ transplants save lives. One organ donor can have an impact on up to 50 lives," said Dr. Kareem Abu-Elmagd, director of the Center for transplant at the Cleveland Clinic in Ohio. "The field of transplantation continues to seek ways to save more lives," said Abu-Elmagd. "For example, the program of ex vivo perfusion of organs of the Cleveland Clinic has been studying perfusion technology to better preserve organs donated." Powered by infusion, a machine pumps oxygen and nutrients to the donated enriched to prevent damage or deterioration of the body prior to transplant into a patient waiting, according to the Cleveland Clinic organ solution. Baylor researchers suggested a direct solution. "We call for greater support of transplantation and solid organ donation, valuable efforts have an impressive record of achievements and tremendous potential to do even more good for humanity in the future," concluded the authors. HealthDay, translated by HispaniCare

SOURCES: Kareem Abu-Elmagd, MD, Ph.D., director, Cleveland Clinic´s Transplant Center, Ohio; JAMA Surgery , news release, Jan. 28, 2015

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Avoiding Foreclosure in SIERRA VISTA SOUTHEAST ARIZONA

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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