STANHOPE NEWS AND BLOG


Latest News - STANHOPE

“Comedy at the Tama Legion” - Show Saturday night, Jan. 31


He's toured alongside premier talents such as Louis CK, Dave Chappelle, Doug Stanhope, Dana Carvey, Joe Rogan and also on the Chris Gethard Show on Comedy Central. Burroughs is a native of Marshalltown and a 2006 West Marshall High School graduate now ...

Prep hoops: Brown leads Marbury past Billingsley


The Warriors (18-8) were eliminated and will not reach the state quarterfinals for the first time since 1996. MILLBROOK – Stanhope's Raven Russell scored 21 points to give her 1,019 for her career. Victoria Harvey added 14 points and 11 rebounds for the ...

Girls Basketball: Wildcats top Lenape Valley again


STANHOPE — The High Point girls basketball team rode the momentum of a strong first half, where it outscored Lenape Valley by 20 points, to capture a 60-36 win in the teams' NJAC Freedom Division clash Thursday at Lenape Valley High School. The win moved ...

UK weather: Car abandoned in Durham snow drift


Video footage of an abandoned car emerged late on Wednesday night as severe snow storms hit Stanhope, Durham. The person filming said he was passing through a local moor in Weardale, in the area, when he came across the stranded car and stopped to help.

Discussing development at Stanhope Airport


Additional hangers, solar panels, the development of a business park. Algonquin Highlands councillors contemplated the future of the Stanhope Airport at a special meeting Jan. 26 as they discussed a final report from a land use and development plan by ...

Six skillets worth of cornbread, plain and fancy


FIG’s Jason Stanhope was so inspired by Geechie Boy Mill’s cornmeal, as well as the Edisto Island company’s branded 6-1/2 inch Lodge skillet, that he came up with two recipes. The traditional cornbread is best with just butter, honey and sea salt ...

Stanhope Gardens mobile mechanic ROC Automotive has the market covered when it comes to a good car service


STANHOPE Gardens mobile mechanic Colin Dale, nearly went into the window tinting business, but thanks to a friend, he was talked out of that idea. Mr Dale started his apprenticeship 19 years ago and has had plenty of experience working for other people and ...

Two shot inside vehicle, elderly man injured in home after someone opened fire


The victims, Travante Turner and Tradon Crawford, both 22, told police that they were driving to 190 Stanhope Circle to meet a man and woman when someone started shooting their vehicle in a rapid manner, Jones said. The car had several bullet holes in the ...

Jon Stanhope launches tirade against Bill Shorten over asylum seeker treatment


Former Labor ACT chief minister Jon Stanhope has launched an angry and emotional tirade on his party for its treatment of asylum seekers. He calls on the Labor Party to "redeem" the party's reputation by changing policy. "It's a chance to clear a large and ...

DJ to spin Big Easy tunes at Stanhope House


“It’s got a good beat, and you can dance to it.” To Gup Gascoigne of Denville, those words are more than just a (possibly apocryphal) quote from the TV show “American Bandstand.” To him, they constitute a statement of purpose. For 40 years ...




SPECIAL INFORMATION FOR STANHOP

How can I prepare for breastfeeding before I give birth?

baby-breastfeedingTo prepare for breastfeeding, the most important thing you can do is have confidence in yourself and to plan ahead. Committing to breastfeeding starts with the conviction that you can do it! Other steps you can take to prepare for breastfeeding are:
  • Get good prenatal care, which can help you avoid early delivery. Babies born too early have more problems with breastfeeding.
  • Tell your doctor about your plans to breastfeed, and ask if the place where you plan to deliver your baby has the staff and setup to support successful breastfeeding. Some hospitals and birth centers have taken special steps to create the best possible environment for successful breastfeeding. These places are called Baby-Friendly Hospitals and Birth Centers.
  • Take a breastfeeding class. Pregnant women who comprehend about how to breastfeed are more likely to be successful at breastfeeding than those who do not. Breastfeeding classes offer pregnant women and their partners the chance to prepare and ask questions before the baby´s arrival.
  • Ask your doctor to recommend a lactation consultant. You can establish a contact with a lactation consultant before the baby comes so that you will have support ready after the baby is born.
  • Talk to your doctor about your health. Discuss any breast surgery or injury you may have had. If you have depression, or are taking supplements or medicines, talk with your doctor about treatments that can work with breastfeeding.
  • Tell your doctor that you would like to breastfeed as soon as possible after delivery. The sucking instinct is very strong within the baby´s first hour of life.
  • Talk to friends who have breastfed, or consider joining a breastfeeding support group.
  • Talk to fathers, partners, and other family members about how they can help you successfully breastfeed. Partners and family members can:
    • Support your breastfeeding by being kind and encouraging
    • Show their love and appreciation for all of the work that goes into breastfeeding
    • Be good listeners if you need to talk about any breastfeeding concerns you might have
    • Help make sure you have enough to drink and get enough rest
    • Help around the house
    • Take care of any other children who are at home
    • Give the baby love through playing and cuddling
  • Get the items you will need for breastfeeding, such as nursing bras, covers, and nursing pillows.
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Capital to small businesses and entrepreneurs in STANHOP

The U.S. Treasury Department’s State Small Business Credit Initiative (SSBCI) today released a new Quarterly Report detailing how the program continues to help small businesses grow and create jobs. Since the beginning of the program, the Treasury Department has disbursed more than $1.1 billion to participating states.

“Through the State Small Business Credit Initiative, the Treasury Department, states, and private sector lenders and investors are supporting small businesses and creating a lasting impact on the economy,” said Clifton Kellogg, Director of the SSBCI program. “More than $1 billion in State Small Business Credit Initiative funds have been distributed, making a real difference at the local level. Because of these funds, businesses have been able to buy new equipment, expand their facilities, and hire workers.”

Small businesses and entrepreneurs need capital to build their businesses, and SSBCI is designed to help spur new private sector lending or investment in small companies by leveraging private capital along with the federal support offered by the program. Through SSBCI, the Treasury Department will award nearly $1.5 billion to state programs across the country that support small businesses, including small manufacturers. SSBCI funding is not repaid by participating states to the federal government. Instead, to help even more small businesses, repaid loans and investments remain with participating states to be redeployed locally. The SSBCI Quarterly Report shows that as of September 2014, participating states have recycled more than $60 million to support additional investments.

States have made considerable progress in deploying these funds to support economic growth locally. The states that have deployed the most SSBCI funds by percentage of allocation include: North Dakota (Mandan Consortium), Idaho, Arkansas, Colorado, Montana, South Carolina, New Hampshire, Michigan, Kansas, and Alabama. The states that have deployed the most SSBCI funds by dollar amount include: California, Michigan, Florida, Illinois, Alabama, North Carolina, Texas, New York, Ohio, and Georgia.

SSBCI was created when President Obama signed into law the Small Business Jobs Act on September 27, 2010. The Treasury Department awarded allocations to all fifty states by early 2012, based on a formula set by the Small Business Jobs Act that considered population and unemployment levels. Each state designs its own small business programs, and five types of programs are eligible for SSBCI funds: Capital Access Programs, Loan Guarantee Programs, Loan Participation Programs, Collateral Support Programs, and Venture Capital Programs. In the SSBCI 2013 Annual Report business owners reported that more than 95,000 jobs will be created or saved as a direct result of SSBCI support. [23]


Avoiding Foreclosure in STANHOP

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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