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Information

Facing the foreclosure crisis: What happened and how communities are responding

A comprehensive document outlining Northeast Ohio’s foreclosure crisis during the past several years “Facing the foreclosure crisis: What happened and how communities are responding” was issued this month and has been provided here. WVIZ/PBS and 90.3 WCPN ideastream partnered with almost every community organization mentioned in the report for a Corporation for Public Broadcasting Economic Response Initiative entitled “Facing the Mortgage Crisis” in 2009 providing a multiple media effort through television and radio coverage as well as online information connecting Northeast Ohio with free foreclosure services.

ESOP Partners with Area Suburbs to Help Homeowners

Two additional suburbs will hold local intake sessions, in partnership with ESOP (Empowering & Strengthening Ohio’s People), to provide FREE foreclosure prevention counseling to area homeowners. This initiative builds on ESOP’s track record of making its highly successful foreclosure counseling practices more readily available in Cuyahoga County suburbs.  ESOP already provides intakes in South Euclid and Lakewood.

Starting Feb. 4, 2010, trained counselors from ESOP will also set up shop once a week in Bedford Heights and Garfield Heights. Please see below for more detailed information on the time and location of these new intake sessions. Homeowners do not have to be city residents but MUST call or email ESOP to set up an appointment.

Bedford Heights, Every Wednesday at 6 p.m.
Jimmy Dimora Community Center, 5615 Perkins Road, Bedford Heights, OH 44146

Garfield Heights, Every Thursday at 1 p.m.
Word of Righteousness Family Life Center, 13455 Dressler Avenue, Garfield Heights, Ohio 44125

To make an appointment or for more information, please call ESOP at 216-361-0718 or email .

ABOUT ESOP:
ESOP is a HUD-certified housing counseling agency. ESOP’s success stems from partnerships with various lenders and servicers, allowing for easy negotiation of loan modifications. ESOP has been nationally and internationally recognized for its campaigns against predatory lenders and for its success obtaining mortgage resolutions that keep families in their homes.

Checking for Possible Fraud with Foreclosure Rescue Companies

Need to check to see if a foreclosure rescue company is being sued for possible fraud? This file compiles state and federal actions against foreclosure rescue companies.

Glossary of Mortgage and Foreclosure Terms

Don’t know what a 2-28 ARM is? What’s the difference between an adjustable-rate and a fixed-rate mortgage? Here’s a glossary of terms to help you out.

Facing the Mortgage Crisis Document List

If you are looking for mortgage assistance you will need to have many documents ready to share with lenders, help agencies and service providers. No matter what program or agency you go to you will need to provide information to determine your eligibility.

Low-Cost Activities, Plus Week in Review (A Place of Our Own)

The current financial crisis is impacting children, families and child care providers throughout this country.  A very special episode of A Place of Our Own focuses on providing tips and advice to help families and child care providers, not just endure, but thrive during these difficult times.  Also featured will be one of the most versatile toys available for kids: the cardboard box.  With paint, scissors, glue and tape, lowly cardboard boxes can be transformed into castles, cars, airplanes, or almost anything a child is able to imagine.

Caregivers Coping in Hard Times (A Place of Our Own)

The economic downturn has hit child care providers especially hard.  As parents face financial difficulties, many have been unable to bear the cost of paid child care, causing child care provider to lose business.  How can child care providers weather this financial storm without sacrificing the quality of care?  This issue will be explored on a special episode of A Place of Our Own.  With advice from child care specialist, Jocelyn Tucker and coping techniques from psychiatrist, Dr. Charles Sophy, A Place of Our Own will focus on practical solutions for child care providers - to help them reduce the costs associated with child care and explore alternative funding sources that may relieve some of their economic burdens.

Trimming Your Family’s Food Budget (A Place of Our Own)

Children need to eat healthy foods in order to grow and properly develop. But with many families’ food budgets shrinking during tough economic times, some parents might be tempted sacrifice nutritious and natural foods for lower cost processed food.  “Trimming Your Families Food Budget” will show you how to give your children the nutritious foods they require while cutting down your grocery bill at the same time.  Plus, poor nutrition and hunger can have a social and emotional impact on your family, so child psychiatrist Dr. Charles Sophy advises on how to weather the storm during an economic hardship.

Financial Tips to Help Families Cope (A Place of Our Own)

The financial challenges many of us are facing today affect the entire family dynamic and can be overwhelming to manage.  This can be due to the inability for many people to pay for such necessities as rent, child care, utility bills, and more.  “Financial Tips to Help Families Cope” is about helping families discover new ways save money, cut costs and prioritize monthly spending to get the most for your dollar.  Plus, child psychiatrist Dr. Charles Sophy continues to lend his expertise on how to help children as we all learn to cope with new financial changes.

Protecting Kids Emotionally During Tough Economic Times (A Place of Our Own)

The current financial crisis is impacting families throughout this country.  New economic realities are forcing many families to make changes, both big and small, which affect their children.  A very special, and timely, episode of A Place of Our Own examines how we, as adults, can help young children understand changing financial circumstances without scaring them.  This special episode of A Place of Our Own features child psychiatrist, Dr. Charles Sophy, helping the Sharp family explain to their 2 ½ -year-old son why they’ve had to move in with a family member after his father lost his job.  This show gives parents the tools to reassure and emotionally support their children, to help them cope during these sometimes frightening and unstable times.

U.S. Department of Housing and Urban Development

The U.S. Department of Housing and Urban Development (HUD) helps to increase home ownership, support community development and increase access to affordable housing free from discrimination.

The Housing Advocates

The Housing Advocates offer minorities, disabled, and the poor an opportunity for housing justice.

NeighborWorks America

NeighborWorks America provides a network of local organizations who special in foreclosure counseling and solutions.

Neighborhood Assistance Corporation of America

The Neighborhood Assistance Corporation of America is a non- profit advocacy and HUD certified counseling agency.

Catholic Charities

Don’t know how to begin your search for help? Catholic Charities may be a good place to start.

Neighborhood Progress Inc.

Wondering how your neighborhood and its value are affected by the mortgage crisis?

Neighborhood Stabilization Program

The Neighborhood Stabilization Program was established for the purpose of stabilizing communities that have suffered from foreclosures and abandonment.

Neighborhood Housing Services of Greater Cleveland

Neighborhood Housing Services of Greater Cleveland (NHSGC) is a trusted not-for-profit organization that has provided families in Northeast Ohio with the housing education and home repair loans they need to buy, improve, and keep their homes.

Policy Matters Ohio

For those who care about democracy, education, taxes, energy, cities, and the economy visit or contact Policy Matters Ohio.

Federal Reserve Bank of Cleveland

Looking for information about the economy, the housing market, and foreclosures? The Federal Reserve Bank of Cleveland can provide you just that.

Empowering & Strengthening Ohio’s People (ESOP)

Empowering & Strengthening Ohio’s People (ESOP) is on your side. They are providing information on how to keep your money safe and to detect a mortgage scam.

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