WHITEASH NEWS AND BLOG


Latest News - WHITEASH

Colin and Justin: Kitchen sink dramatic


As well as a selection of doors and drawers which are similar to Akurum, there’s a new array in purest white, brown and white ash. And not forgetting high gloss green and high gloss yellow accent doors. Wow! With drawer heights as small as five inches ...

New Construction Homes For Sale in Plainfield, Illinois - January 2015


Villas at Fox Run is located just off Route 59 and Dayfield Drive in Plainfield, Illinois. White Ash Farm - 11 homes for sale White Ash Farm is a single family home subdivision built by Fry Homes and Sterling Homes starting in 2005. White Ash Farm is ...

Chipola science students visit Caverns ……


A list of trees and vegetation identified, included: American Beach, Witch Hazel, Walnut, Bass or Linden Tree, Mockernut Hickory, Red and White Oaks, Red Mulberry, White Ash, Trillium, American Hophornbeam, Magnolia, Bamboo, Swamp Chestnut, Needle and ...

Monday Obsession: You (and Your Dog) Will Love This Awesome Sled


The foldable sled is made of American white ash, is UV-resistant and can be left outside for extended periods if time without damage. Plus, you can purchase a Mushing Package—yes, for Fido—in the event you try to act like an Alaskan and make urban ...

Board deals with sewer issues in Whiteash


The Williamson County Board held a Special Meeting Wednesday morning to discuss a project agreement with Carterville, as well as some more issues with taking over the area that was formerly the Village of Whiteash. Whiteash residents voted to dissolve ...

Historic Sparkill tree chopped down


An historic Sparkill tree is no longer standing. Known throughout the area as Fraxinus Americana, the 350-year-old White Ash held the title of Rockland's oldest and biggest tree, and at one point was considered the largest of its kind in America.

One of the oldest White Ash trees in the Country taken down in Sparkil


One of the oldest White Ash trees in the Country taken down in Sparkil A contractor from Sullivan, a tree removal company, removes a White Ash tree that was over 350 years old, one of the oldest and largest recorded trees in Sparkill on Jan. 14, 2015.

Whiteash Dissolves, Questions Raised Over What That Means


WHITEASH -- In this week's election, a majority of voters agreed to dissolve Whiteash. Williamson County will now pick up the tab for road maintenance in the community. County leaders say this is going to be a slow process. They still have a lot of ...

Fate of Whiteash to be decided Nov. 4


The Village of Whiteash is at the center of a referendum on the upcoming Willamson County municipal ballot. Whether or not it will be dissolved as a municipal corporation will be decided by voters on Nov. 4. Williamson County commissioners Brent Gentry and ...

White Ash Falls Announce Sophomore Album, Get Louise Burns, Erin Passmore, Members of Yukon Blonde to Guest


Vancouver's White Ash Falls are set to return with the project's sophomore effort and second for Light Organ Records in as many years. As the follow-up to By the River Bend from 2012, Over the Night promises 10 new tracks that show a mix of "lush ...




SPECIAL INFORMATION FOR WHITEAS

Save Money on Homeownership in WHITEAS

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]



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Avoiding Foreclosure in WHITEAS

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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Avoiding job scams in WHITEAS

Scammers know that finding a job can be tough. To trick people looking for honest work, scammers advertise where real employers and job placement firms do. They also make upbeat promises about your chances of employment, and virtually all of them ask you to pay them for their services before you get a job. But the promise of a job isn’t the same thing as a job. If you have to pay for the promise, it’s likely a scam.

Signs of a Job Scam

Scammers advertise jobs where legitimate employers do — online, in newspapers, and even on TV and radio. Here’s how to tell whether a job lead may be a scam:

You need to pay to get the job

They may say they’ve got a job waiting, or guarantee to place you in a job, if you just pay a fee for certification, training materials, or their expenses placing you with a company. But after you pay, the job doesn’t materialize. Employers and employment firms shouldn’t ask you to pay for the promise of a job.

You need to supply your credit card or bank account information

Don´t give out your credit card or bank account information over the phone to a company unless you´re familiar with them and have agreed to pay for something. Anyone who has your account information can use it.

The ad is for "previously undisclosed" federal government jobs

Information about available federal jobs is free. And all federal positions are announced to the public on usajobs.gov. Don’t believe anyone who promises you a federal or postal job.

Job Placement Services

Many job placement services are legitimate. But others lie about what they’ll do for you, promote outdated or fake job openings, or charge up-front fees for services that may not lead to a job. In fact, they might not even return your calls once you pay.

Before you enlist a company’s help:

Check with the hiring company

If a company or organization is mentioned in an ad or interview, contact that company to find out if the company really is hiring through the service.

Get details — in writing

What’s the cost, what will you get, and who pays — you or the company that hires you? What happens if the service doesn’t find a job for you or any real leads? If they’re reluctant to answer your questions, or give confusing answers, you should be reluctant to work with them.

Get a copy of the contract with the placement firm, and read it carefully. A legitimate company will give you time to read the contract and decide, not pressure you into signing then and there. Make sure any promises — including refund promises — are in writing. Some listing services and "consultants" write ads to sound like jobs, but that’s just a marketing trick: They´re really selling general information about getting a job — information you can find for free on your own.

Know whether it’s job placement or job counseling

Executive or career counseling services help people with career directions and decisions. They may offer services like skills identification and self-evaluation, resume preparation, letter writing, and interview techniques, and general information about companies or organizations in a particular location or job field.

But job placement isn’t guaranteed. Fees can be as high as thousands of dollars, and you often have to pay first.

The National Career Development Association (NCDA) offers some tips on finding and choosing a career counselor, and explains the different types of counselors active in the field.

Check for complaints

Your local consumer protection agency, state Attorney General´s Office, and the Better Business Bureau can tell you whether any complaints have been filed about a company. Just keep in mind that a lack of complaints doesn’t mean the business is on the up-and-up. You may want to do an internet search with the name of the company and words like review, scam, or complaint. Look through several pages of search results. And check out articles about the company in newspapers, magazines, or online, as well.

Where to Look for Jobs

You’ve read the many resume and interview tips from respected sources available for free online, and scoured online job boards and newspaper classifieds. Some other places to look for leads in your job search include:

CareerOneStop

Sponsored by the U.S. Department of Labor, CareerOneStop lists hundreds of thousands of jobs. It also links to employment and training programs in each state, including programs for people with disabilities, minorities, older workers, veterans, welfare recipients, and young people. For federal jobs, all open federal positions are announced to the public on usajobs.gov.

State and county offices

Your state’s Department of Labor may have job listings or be able to point you to local job offices that offer counseling and referrals. Local and county human resources offices provide some placement assistance, too. They can give you the names of other groups that may be helpful, such as labor unions or federally-funded vocational programs.

College career service offices

Whether it’s a four-year university or community college, see what help yours can offer. If you’re not a current or former student, some still may let you look at their job listings.

Your library

Ask if they can point you to information on writing a resume, interviewing, or compiling a list of companies and organizations to contact about job openings.

Report a Job Scam

If you’ve been targeted by a job scam, file a complaint with the FTC.

For problems with an employment-service firm, contact the appropriate state licensing board (if these firms must be licensed in your state), your state Attorney General, and your local consumer protection agency.

To learn about credit and background checks when you’re looking for a job, read What to Know When You Look For a Job.

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