SMYRNA TENNESSEE NEWS AND BLOG


Latest News - SMYRNA TENNESSEE

Nissan highlights record-setting 2014 at Washington Auto Show


The team from Smyrna, Tennessee will arrive in the company's best-selling crossover, a 2015 Nissan Rogue, which was localized to the Smyrna plant in 2013. Bringing Rogue and Murano production to the United States is part of Nissan's broader strategy to ...

Nissan’s 1-Millionth US-made Export Vehicle sent to South Korea


Nissan manufactures cars in Smyrna, Tennessee, and Canton, Mississippi, and exports them to 68 markets around the globe. Just this week, Nissan US produced its 1-millionth US-made export, a Nissan LEAF built in Tennessee and bound for South Korea.

Nissan marks U.S. export milestone


The Nissan LEAF was manufactured at Nissan's Smyrna, Tennessee plant and destined for sale in South Korea. Reaching the milestone was the result of a tremendous marketing effort and investing in U.S. manufacturing, said John Martin, senior vice president ...

Paul Edmund Cagle


He is survived by his wife, Maurine Cagle of Muscle Shoals; daughter, Sherry Lynn Greenhill and husband, Jeff, of LaGrange, Kentucky; sons, Terry Wayne Cagle and wife, Kim, of Tuscaloosa, Jonathan David Cagle and wife, Lori, of Smyrna, Tennessee ...

Nissan-Smyrna named top producer in North America


The team from Smyrna, Tennessee will arrive in the company’s best-selling crossover, a 2015 Nissan Rogue, which was localized to the Smyrna plant in 2013. Bringing Rogue and Murano production to the United States is part of Nissan’s broader strategy to ...

Karen Rose Mates


Karen Rose Mates, 55, of Smyrna, Tennessee, and formerly of Carey, died at 5:55 a.m. Thursday, Jan. 22, 2015, at Wexner Medical Center, Columbus. She was born Jan. 22, 1960, in Upper Sandusky, the daughter of Harold and Imogene (Lauer) Pahl. She married ...

John Edwin "Eddy" Thomas


A native of Murfreesboro, TN, he was the son of the late Cecil Thomas, Jr. and Glenna Mae Hunter Thomas. Eddy is survived by his brothers, Rodger Thomas and his wife Sissy, and Kenneth Thomas and his wife Peggy all of Smyrna, TN; sisters, Faye Thomas ...

Nissan U.S. exports its one-millionth vehicle to South Korea


Nissan North America recently said “bon voyage” to its one-millionth U.S.-built export. The car was manufactured at Nissan’s Smyrna, Tennessee plant and destined for sale in South Korea. “To have achieved one million units of exports proves that we ...

Police Seek Help In Identifying Smyrna Gas Station Robber


Surveillance video of the robbery was posted on the Smyrna Police Department’s Facebook page. Post by Smyrna, TN Police Department. Anyone with information was asked to contact police at 615-459-6644 or Detective Steve Hannah at 615-267-5146.

Smyrna-Vinings Gas Prices: They Keep Tumbling Down


AtlantaGasPrices.com listed several gas stations in the Smyrna-Vinings area with regular unleaded gas ...
and $1.24 below the average price this time last year. The Tennessee average of $1.91 is 6 cents cheaper than last week, 40 cents less than a month ...




SPECIAL INFORMATION FOR SMYRNA

Avoiding Foreclosure in SMYRNA

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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SMYRNA TENNESSEE tspan:3m SMYRNA TENNESSEE




How I can eat a healthy diet?

The body needs minerals, vitamins and other nutrients to stay healthy. A healthy diet means you are eating:


  • Vegetables, fruits, whole grains and non-fat dairy and low-fat
  • Fish, seafood, chicken or turkey, lean meats and low-fat, eggs, beans, peas (peas), seeds and nuts


    Limit your intake of foods rich in:


  • Cholesterol, sodium (salt) and added sugar.
  • Fat trans: fats trans can be found in foods such as cakes (or cakes), cookies, margarine that comes in bars and fried foods.
  • Saturated fats: These fats are in animal products such as cheese, high-fat meats, whole milk and butter.
  • Refined grains: refined grain products include white bread, pasta, white rice and flour tortillas, among others.


    Get a personalized diet plan to help you choose healthy foods



    Having too much cholesterol in the blood can cause heart disease or heart attack. Approximately one in six people in the United States have high cholesterol. You may have high cholesterol and not know it. Good thing its easy to get tested for cholesterol, and if you go too high, you can take steps to control it.


    Who should be tested for cholesterol?


  • Men who are 35 or more
  • Men under 35 who have heart disease or are at risk of suffering from
  • Women who have heart disease or are at risk of suffering from


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  • This is Real: The World Climate is Changing

    Our Earth is warming. The average temperature of the Earth has risen about 1.4 ° F (0.7 ° C over) over the last century. It is projected that the average temperature rise of approximately 2 to 11.5 ° F (1.1 ° C to 6.4 ° C) over the next hundred years. Small changes in average global temperature could lead to large and potentially dangerous changes in climate and weather.

    The evidence is clear. Rising temperatures have been accompanied by changes in the weather and climate. Many sites have seen changes in rainfall, which resulted in more flooding, drought or heavy rain and waves more frequent and severe heat.The oceans and glaciers on the planet have also undergone some big changes: the oceans are warming and acidifying, the ice caps are melting and sea levels are rising. As these and other changes are more pronounced in the coming decades, they will have to present challenges to our society and our environment.

    Learn about the signs of climate change in the United States.


    Humans are largely responsible for recent climate change

    smoke coming from a chimney in a factory

    Over the past century, human activity has downloaded large amounts of carbon dioxide and other greenhouse gases into the atmosphere. Most greenhouse gases come from the burning of fossil fuels that produce energy, but deforestation, industrial processes and some agricultural practices also emit gases into the atmosphere.

    The greenhouse gases act like a blanket around the Earth, which traps energy in the atmosphere and causes it to heat.This phenomenon is called the greenhouse effect is natural and necessary to sustain life on Earth. However, the accumulation of greenhouse gases can change the Earth´s climate and dangerous effects to human health and welfare and ecosystems.

    The choices we make today will affect the amount of greenhouse gases in the atmosphere will in the near future and for years to come.

    Learn about the causes of climate change .


    Climate change affects all

    Our lives are linked to climate. Human societies have adapted to relatively stable climate which have enjoyed since the last Ice Age ended several millennia ago. A warming climate will result in process changes that could affect our water supplies, agriculture, energy and transport systems, the natural environment and to our own health and safety.

    Some of the climate changes are inevitable. carbon dioxide can remain in the atmosphere for about a century so the Earth will continue to warm over the coming decades. The hotter it gets, the greater the risk of more severe changes in climate and Earth system. Although it is difficult to predict the exact impacts of climate change, it is clear that the climate to which we are accustomed to is no longer a guide to which we can trust what we can expect in the future.

    We can reduce the risks we face from climate change. Choosing options that reduce pollution from greenhouse gases and prepare for the changes that are already underway, we can reduce the risks of climate change. Our decisions will shape the world in which our children and grandchildren will live.

    Learn about the impacts of climate change and adaptation to change .


    We can make a difference

    hands holding a globe

    You can take action. You can take steps at home, on the road, in your office to reduce emissions of greenhouse gases and the risks associated with climate change. Many of these steps can save you money; some, such as walking or cycling to work could improve your health! You may also participate in activities to support local or state level energy efficiency, clean energy programs and other climate programs.

    Learn about what you can do .

    Calculate your carbon footprint and find ways to reduce their emissions through simple actions you take daily.

    EPA and other federal agencies are taking action. EPA is working to protect the health and welfare of the people in this country through common sense measures to reduce pollution and greenhouse gases to help communities prepare for change climate.

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