http://www.ideastream.org/mortgage (c) Copyright 2012 ideastream - For Personal Use Only http://www.ideastream.org/mortgage/resources/45008 http://www.ideastream.org/mortgage/resources/45008#When:14:44:01Z If you may be facing foreclosure there are free available resources in our region. Fri, 03 Feb 2012 14:44:01 -0500 http://www.ideastream.org/mortgage/resources/31504 http://www.ideastream.org/mortgage/resources/31504#When:13:16:00Z 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. Mon, 02 Aug 2010 13:16:00 -0400 http://www.ideastream.org/mortgage/resources/29526 http://www.ideastream.org/mortgage/resources/29526#When:20:51:00Z Mon, 01 Feb 2010 20:51:00 -0500 http://www.ideastream.org/mortgage/resources/29041 http://www.ideastream.org/mortgage/resources/29041#When:15:40:00Z Fri, 18 Dec 2009 15:40:00 -0500 http://www.ideastream.org/mortgage/resources/29040 http://www.ideastream.org/mortgage/resources/29040#When:15:38:00Z Fri, 18 Dec 2009 15:38:00 -0500 http://www.ideastream.org/mortgage/resources/28615 http://www.ideastream.org/mortgage/resources/28615#When:13:16:00Z Wed, 18 Nov 2009 13:16:00 -0500 http://www.ideastream.org/mortgage/resources/28584 http://www.ideastream.org/mortgage/resources/28584#When:15:48:00Z View some community testimonials about the ideastream series Facing the Mortgage Crisis. Fri, 13 Nov 2009 15:48:00 -0500 http://www.ideastream.org/mortgage/resources/28367 http://www.ideastream.org/mortgage/resources/28367#When:12:15:00Z Tue, 27 Oct 2009 12:15:00 -0400 http://www.ideastream.org/mortgage/resources/28366 http://www.ideastream.org/mortgage/resources/28366#When:12:12:00Z Tue, 27 Oct 2009 12:12:00 -0400 http://www.ideastream.org/mortgage/resources/27996 http://www.ideastream.org/mortgage/resources/27996#When:17:15:00Z Fri, 25 Sep 2009 17:15:00 -0400 http://www.ideastream.org/mortgage/resources/27991 http://www.ideastream.org/mortgage/resources/27991#When:13:55:00Z Fri, 25 Sep 2009 13:55:00 -0400 http://www.ideastream.org/mortgage/resources/27989 http://www.ideastream.org/mortgage/resources/27989#When:13:43:00Z Learn how to choose energy-efficient heating and cooling systems, appliances, doors and windows, and how you can qualify for the new energy tax credits. Michael Higgins, Ohio Department of Development is the featured speaker. HouseMender University sessions are open to residents of any community and they are free. Fri, 25 Sep 2009 13:43:00 -0400 http://www.ideastream.org/mortgage/resources/27988 http://www.ideastream.org/mortgage/resources/27988#When:13:27:01Z Learn the true definition of “preferred customer.” How you can avoid getting a raw deal from credit card companies and other predatory lenders and how you can beat the system and pay off your bills. Popcorn and door prizes! In participation with Americans for Fairness in Lending. Fri, 25 Sep 2009 13:27:01 -0400 http://www.ideastream.org/mortgage/resources/27987 http://www.ideastream.org/mortgage/resources/27987#When:13:11:00Z Questions and Answers about Foreclosure is for all homeowners. Foreclosure affects the entire community. This presentation will give you a better understanding of the foreclosure process and strategies for prevention. Speakers will be David Rothstein, Policy Matters, Ohio and Kimberly Dominique, HRRC Foreclsoure Intervention Counselor. For more information call 216.381.6100. Fri, 25 Sep 2009 13:11:00 -0400 http://www.ideastream.org/mortgage/resources/27925 http://www.ideastream.org/mortgage/resources/27925#When:12:39:00Z Tue, 22 Sep 2009 12:39:00 -0400 http://www.ideastream.org/mortgage/resources/27899 http://www.ideastream.org/mortgage/resources/27899#When:14:38:00Z Fri, 18 Sep 2009 14:38:00 -0400 http://www.ideastream.org/mortgage/resources/27852 http://www.ideastream.org/mortgage/resources/27852#When:13:18:00Z Tue, 15 Sep 2009 13:18:00 -0400 http://www.ideastream.org/mortgage/resources/27680 http://www.ideastream.org/mortgage/resources/27680#When:16:24:00Z Wed, 02 Sep 2009 16:24:00 -0400 http://www.ideastream.org/mortgage/resources/27679 http://www.ideastream.org/mortgage/resources/27679#When:15:20:00Z The Cuyahoga County Court of Common Pleas has begun a month-long campaign and is hosting many events to get the word out about foreclosure mediation, and resources available. 9.3 - Maple Hts. Community Outreach, Maple Hts Library, 6;30-8:30pm 9.6 - Salute to Orange, Orange Days 9.7 - 11th District Caucus Parade and Picnic 9.8, 9.10 and 9.23 - Brown Bag Lunch Presentations for Cuyahoga Cty Employees 9.9 - A First Suburbs Presentation 9.12 - Lakewood Community Festival 9.15 - Panel at Northern Ohio Creditors Assoc. 9.19 - Bank of America Workout Day 9.21 - Lakewood Community Outreach - Lakewood Public Library, 7-8pm 9.22 - Brown Bag Lunch Presentation - Metrohealth Medical Old Brooklyn Campus 9.25 - Training with financial agencies for Pre-Mediation Conference 9.26 - Salvation Army Hough 40th Anniversary 9.27 - Garfield Hts Community Outreach - Garfield Hts Civic Center, 9am - 4pm 9.30 - Brown Bag Lunch Presentation - University Hospital For more information and details contact: Court Foreclosure Mediation Events Wed, 02 Sep 2009 15:20:00 -0400 http://www.ideastream.org/mortgage/resources/27448 http://www.ideastream.org/mortgage/resources/27448#When:20:12:00Z In Ohio, foreclosure rescue funds were intended to help borrowers become “current” on mortgage payments. Now the funds are being coupled with whatever some mortgage holders can afford to complete a buyout of their loan obligations — sometimes for as little as 10 cents on the dollar. Mhari Saito reports for WCPN. Listen to the report here. Fri, 14 Aug 2009 20:12:00 -0400 http://www.ideastream.org/mortgage/resources/27110 http://www.ideastream.org/mortgage/resources/27110#When:13:07:00Z Jennifer Guerra reports for Michigan Radio on the mortgage crisis in Detroit by looking at what is happening in Cleveland. Listen to the whole story here: Tue, 21 Jul 2009 13:07:00 -0400 http://www.ideastream.org/mortgage/resources/27079 http://www.ideastream.org/mortgage/resources/27079#When:19:21:00Z 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. Download the PDF to learn more. Thu, 16 Jul 2009 19:21:00 -0400 http://www.ideastream.org/mortgage/resources/27036 http://www.ideastream.org/mortgage/resources/27036#When:13:16:00Z Adjustable-rate mortgage (ARM): A mortgage that starts out with one interest rate for a period of time and then “resets” to a new interest rate. (What you should know: The starting interest rate is often enticingly low. The new interest rate will be higher — and your monthly loan payments will get bigger. That’s called payment shock.) 2-28 ARM: An adjustable-rate mortgage that has a fixed interest rate for two years. Then, the interest rate begins to float, based on an index, plus a margin. Typically, these adjustments increase interest rates every six months, which is why they are often referred to as “Exploding ARMs.” What you should know: 2-28 ARMs fall into the category of “creative financing” mortgages that were typically aimed at people with poor credit ratings. The idea was that in two years, these borrowers could fix their poor credit ratings and then refinance to fixed-rate loans. Often, the new variable interest rates drive monthly payments higher than borrowers can afford. Balloon or reset mortgage: The total of monthly payments does not cover the entire loan balance. At the end of a balloon loan — usually three to seven years — the homeowner must either pay off the balance in a lump sum or refinance the loan. What you should know: Think of these as temporary loans. After three or seven years, you need to come up with the balance. Balloon loans have higher foreclosure rates than traditional mortgages because borrowers often can’t afford to pay off balances when they come due - and may be unable to find refinancing. Conventional mortgage: The interest rate is locked in — and your monthly payments remain the same — for the term of the loan. Also called a fixed-rate mortgage. Deed in lieu of foreclosure: If you can’t afford the mortgage payments and are unable to sell your home, a lender may accept ownership of your property in place of the money you owe. This is referred to as “walking away.” Default: When a borrower has missed payments, the loan is in “default.” What you should know: The sooner a borrower takes steps to find a remedy, the more options there are. Equity: The value of your home, minus what you owe on it. If you owe $80,000 on a house you mortgaged for $100,000, your equity is $20,000. What you should know: If property values decline, your equity will also decline. For example, if that $100,000 home drops in value to $90,000, you still owe the $80,000 you borrowed, but your equity is now only $10,000. When your house falls in value below what you owe on it, it’s called negative equity. On the bright side, if your home rises in value, so does your equity. Fixed-rate mortgage: The interest rate is locked in — and your monthly payments remain the same — for the term of the loan. Also called a conventional mortgage. Forbearance: A lender agrees to let a borrower postpone payments or pay a lower payment for a temporary period to give the borrower time to catch up on late or missed payments. What you should know: This remedy is more likely to be available to borrowers who seek help early, before they fall several payments behind. Foreclosure: When a homeowner is unable to make the payments on a mortgage, the lender can legally seize and sell the property as stipulated in the mortgage contract. What you should know: Foreclosure is a worst-case scenario that will damage your credit and prolong your efforts to get back on your feet. Foreclosure Rescue Scam: Be wary of anyone who guarantees that they can save your home from foreclosure for a fee.  Only an agreement between you and the lender will save your home.  However this agreement can be facilitated by a counselor from a HUD approved housing counseling agency.  No fees are charged for these services. Go to the HUD website for more information. Interest-only loans: Loan payments, due at intervals, go only toward the interest on a loan. When the loan is up, usually five to seven years, the full principal is due. What you should know: This is a “creative financing” mortgage. Interest-only loans might work for people who are paid big bonuses once or twice a year — or, borrowers who expect a big inheritance. For most people, they are risky business. Loan modification: A lender agrees to change the terms of a loan when a borrower has the means to make monthly payments but is not able to meet the current terms of the loan, often due to “resetting” interest rates. Modifications typically lower the interest rate of a loan, extend the length of the loan or switch the borrower to a different type of loan. What you should know: Act quickly; good lenders may be willing to work something out because foreclosures are costly to them, as well. Loss-mitigation department: When contacting your lender, ask for this department. This is where you’ll find the people who can help you find a temporary remedy to your problem or work out a loan modification. What you should know: The collections department and the loss-mitigation department have different missions, so be sure you know to whom you are talking. Also, when working out a temporary solution or modification, get it in writing. Making Home Affordable: Making Home Affordable is part of President Obama’s comprehensive strategy to get the housing market back on track. Through the Making Home Affordable Program, up to 9 million American families may be eligible to refinance or modify their loans to a payment that is affordable now and into the future. Call a housing counselor and your servicer immediately if you are in default or in imminent danger of default to see if you qualify for the program. More information is available at makinghomeaffordable.gov. Mortgage broker: Brokers are not lenders; they find mortgage loans for borrowers. Brokers are compensated directly by borrowers — usually a percentage of the total loan, plus other fees. They have no legal obligation to work in the best interests of borrowers. Sometimes, brokers are paid a commission by lenders based on the profitability of the loan, which again works against the interests of the borrower. What you should know: The majority of sub-prime loans were originated by mortgage brokers. Predatory lending: Loans that victimize borrowers with excessive or hidden fees, high-interest rates, steep prepayment penalties and other terms that trap borrowers in debt. What you should know: If it sounds too good to be true, it probably is. Get a second opinion — or consult an attorney — before signing on the bottom line. Prepayment penalty: A fee a lender charges if the borrower pays off the loan before the agreed upon end of the loan. In other words: If you pay off a 20-year loan in 10 years, you must pay whatever you still owe on the loan (the principal), plus a fee that is specified in the loan contract. Steep prepayment penalties are common in sub-prime mortgages with high interest rates because borrowers try to pay these loans off as early as possible. Repayment Plan: An Agreement to pay the overdue payments over a period of time by adding an extra amount to your monthly payment. Reset: See balloon mortgages and adjustable rate mortgages. Short sale: When the sale of your home brings less than the outstanding loan, lenders may agree to forgive the difference. What you should know: This may be a way to avoid foreclosure and protect your credit rating. Unfortunately, you still lose your home. It is very important when doing a short sale to have an attorney make sure that you will not have a deficiency judgment in which you would have to pay the difference between what you owe and what the lenders receives. Sub-prime mortgages: The word “sub-prime” is applied to a wide range of mortgages that have a common characteristic: risk.  In general, sub-prime mortgages are aimed at borrowers with less-than-perfect credit histories and may offer “creative” financing approaches: adjustable rates, balloons, interest-only, no down payments, little documentation. Here’s the confusion: The word sub-prime does not refer to the interest rate of the loan, but to the borrower’s credit quality. In fact, the interest rates on these loans are almost always higher than the overall market rates. Trial Modification: Generally used for the Making Home Affordable Modification Plan in which the homeowner agrees to make three months of a modified payment before it is modified on a permanent basis.  There is no grace period for these payments. Wed, 15 Jul 2009 13:16:00 -0400 http://www.ideastream.org/mortgage/resources/27015 http://www.ideastream.org/mortgage/resources/27015#When:18:20:00Z Mon, 13 Jul 2009 18:20:00 -0400 http://www.ideastream.org/mortgage/resources/27014 http://www.ideastream.org/mortgage/resources/27014#When:18:10:00Z Mon, 13 Jul 2009 18:10:00 -0400 http://www.ideastream.org/mortgage/resources/26953 http://www.ideastream.org/mortgage/resources/26953#When:14:11:00Z For your first appointment, have the necessary documents ready - if you are prepared you can avoid delays. Take with you: A photo ID Your most recent lender correspondence. Include your payment statement/history, the balance owed and the amount of delinquency, current mortgage payment, and if you have a written copy of any payment or workout plan already in place with the lender. Current utility bills (water, gas, electric) A list of all other monthly bills/expenses Proof of your most recent tax bill Proof of insurance on property include current policy date, amount of coverage and annual premium Proof of income (60 days) For Example: Your most recent pay stubs (a couple consecutive ones), W-2 forms (2008 and 2007), 2008 Social Security Income Letter, or 2008 Retirement Income Letter Your most recent bank statement (60 days) from a checking or savings account A recent statement (60 days) from your 401-k, CD’s, IRA’s or other investment annuities Your 2008 tax return If you are self employed –complete tax returns with all schedules for three years, a 1099 income statement and year to date profit and loss statement Foreclosure filings if applicable Your original closing documentation (if possible) Facing the Mortgage Crisis Document List provided in cooperation with United Way of Greater Cleveland 211 First Call for Help, Cleveland State University, Cuyahoga County Public Library, Empowering & Strengthening Ohio’s People, Federal Reserve Bank of Cleveland, Foreclosure Prevention Program, Case Western Reserve University, Neighborhood Progress, Policy Matters Ohio, Cleveland Housing Network, Akron Urban League Facing the Mortgage Crisis is part of CPB’s Public Service Media Economic Response Initiative. Wed, 08 Jul 2009 14:11:00 -0400 http://www.ideastream.org/mortgage/resources/26926 http://www.ideastream.org/mortgage/resources/26926#When:19:10:00Z Location: Ohio Department of Transportation, 1980 West Broad St. (US 40), Columbus, OH 43223, Breakfast and Lunch available on site. RSVP by July 15, 2009, call 614-644-3485 or email Cornelius.mcgrady@ohioattorneygeneral.gov Mon, 06 Jul 2009 19:10:00 -0400 http://www.ideastream.org/mortgage/resources/26884 http://www.ideastream.org/mortgage/resources/26884#When:13:47:01Z Have we helped you or someone you know through a foreclosure crisis? Use the module below to tell us your story. callModule(123,585, 'sidebar') _uacct="UA-3986641-1";urchinTracker(); Mon, 06 Jul 2009 13:47:01 -0400 http://www.ideastream.org/mortgage/resources/26977 http://www.ideastream.org/mortgage/resources/26977#When:13:51:00Z The Obama antiforeclosure plan should reduce principal rather than reduce monthly payments because it restores equity to borrowers, according to this editorial from The New York Times. Read the editorial here. Sun, 05 Jul 2009 13:51:00 -0400 http://www.ideastream.org/mortgage/resources/26978 http://www.ideastream.org/mortgage/resources/26978#When:13:52:00Z Lenders lose much more money on foreclosures than on loan modifications. So why are they so hesitant to modify mortgages? Read more by Columnist Gretchen Morgenson of the New York Times. Read the column here. Sat, 04 Jul 2009 13:52:00 -0400 http://www.ideastream.org/mortgage/resources/26979 http://www.ideastream.org/mortgage/resources/26979#When:13:54:01Z What is really behind the mushrooming rate of mortgage foreclosures since 2007? Read Wall Street Journal columnist Stan Liebowitz’s take. Read the column here. Fri, 03 Jul 2009 13:54:01 -0400 http://www.ideastream.org/mortgage/resources/26876 http://www.ideastream.org/mortgage/resources/26876#When:17:15:00Z Boarded-up houses and abandoned dreams have turned parts of Cleveland into ghost towns. Cuyahoga County is still experiencing 1,200 foreclosures every month, despite a federal mortgage rescue effort and determined efforts to stem the calamity and keep homeowners under roof. Cuyahoga County Treasurer Jim Rokakis and Cleveland City Councilman Tony Brancatelli join host Dick Feagler to discuss. Thu, 02 Jul 2009 17:15:00 -0400 http://www.ideastream.org/mortgage/resources/26872 http://www.ideastream.org/mortgage/resources/26872#When:13:27:00Z Agenda: 5:30-6:30pm Tour the new MOCA exhibit, There Goes the Neighborhood; 6:30-8:00pm A public, open-mic discussion of ideas about revitalizing Cleveland’s communities. There Goes the Neighborhood explores the evolution of communities here and abroad...The work on view examines places amid groth or decline, sites that hover shomewhere between construction, deterioration, and renewal. This program is part of the Building our Future Beyond Foreclosure series and is presented in collaboration with the Cleveland Neighborhood Development Coalition. http://www.cndc2.org/ Thu, 02 Jul 2009 13:27:00 -0400 http://www.ideastream.org/mortgage/resources/26838 http://www.ideastream.org/mortgage/resources/26838#When:13:25:00Z The “American dream” has powered the hopes and aspirations of Americans for generations. It began as a plain but revolutionary notion: each person has the right to pursue happiness, and the freedom to strive for a better life through hard work and fair ambition. But over time, this dream has come to represent a set of expectations about owning things and making money. So what exactly is the American dream? How did we come to define it? And is it changing? Listen to the program on-demand. Wed, 01 Jul 2009 13:25:00 -0400 http://www.ideastream.org/mortgage/resources/26823 http://www.ideastream.org/mortgage/resources/26823#When:16:31:00Z Tue, 30 Jun 2009 16:31:00 -0400 http://www.ideastream.org/mortgage/resources/26822 http://www.ideastream.org/mortgage/resources/26822#When:14:37:00Z For almost a century, Muncie, Indiana has been known as “Middletown,” the quintessential American community. But now, as the rust-belt city grapples with deepening recession, many residents are losing their hold on the middle class. Think of them as the brittle class, just one fragile rung above poverty on the economic ladder. Listen to the program on-demand. Tue, 30 Jun 2009 14:37:00 -0400 http://www.ideastream.org/mortgage/resources/26821 http://www.ideastream.org/mortgage/resources/26821#When:14:33:00Z Until recently, Las Vegas was one of the few places where the American Dream still seemed widely possible. Each month, thousands of people flocked there, lured by the promise of good jobs and a chance to own a home. It was the fastest growing city in the country. But now, Las Vegas has a new distinction: the nation’s highest foreclosure rate. Listen to the program on-demand. Tue, 30 Jun 2009 14:33:00 -0400 http://www.ideastream.org/mortgage/resources/26811 http://www.ideastream.org/mortgage/resources/26811#When:14:45:00Z Cleveland Arts Prize winner Amy Casey’s subject matter is the landscape of old homes, warehouses and factories that spread across Northeast Ohio. In a time of economic gloom, her compelling images of buildings teetering on the edge of disaster, surrounded by crumbling highways under constant repair, have won national acclaim. ideastream producer David C. Barnett has prepared this portrait of an artist who has tapped into the mood of our time Mon, 29 Jun 2009 14:45:00 -0400 http://www.ideastream.org/mortgage/resources/27494 http://www.ideastream.org/mortgage/resources/27494#When:13:38:00Z How can I create activities for my kids that won’t cost a lot? 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. Resources, video and more are available on this topic from A Place of Our Own. Fri, 26 Jun 2009 13:38:00 -0400 http://www.ideastream.org/mortgage/resources/26795 http://www.ideastream.org/mortgage/resources/26795#When:12:26:01Z Are you or a neighbor having problems paying your mortgage? Do you own and live in the home? If you answered yes to both of these questions, you may be eligible to have your loan restructured. Over 41,000 homes have been foreclosed in Ohio this year. Over 87,000 more Ohio homes are projected to be lost in 2009. You can save your home! This foreclosure prevention fair will bring together skilled attorneys, HUD approved mortgage lenders, and loan servicers to advise you on restructuring your loan. This foreclosure prevention fair is being held in collaboration with the Neighborhood Assistance Corporation of America (NACA). NACA saved 30,000 American homes last year. Register in advance to avoid long lines. Visit www.naca.com or call (888) 499-NACA (6222). Fri, 26 Jun 2009 12:26:01 -0400 http://www.ideastream.org/mortgage/resources/26784 http://www.ideastream.org/mortgage/resources/26784#When:15:40:01Z Foreclosures not only devastate individuals and families, but whole communities. Cleveland has often been a focus of the national foreclosure crisis—a city suffering from a high foreclosure rate since 2005. How does this Northeast Ohio city deal with neighborhoods of empty houses caused by the mortgage crisis? In March, the New York Times Magazine ran a story by reporter Alex Kotlowitz--All Boarded Up: How Cleveland is Dealing With Mass Foreclosure--examining this issue from right here in Cleveland. Read the story at the New York Times website here. Thu, 25 Jun 2009 15:40:01 -0400 http://www.ideastream.org/mortgage/resources/27493 http://www.ideastream.org/mortgage/resources/27493#When:13:37:00Z Several of our parents have pulled children out of child care due to their own financial struggle. Do you have suggestions for providers trying to manage during these tough times? 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. Resources, video and more are available on this topic from A Place of Our Own. Thu, 25 Jun 2009 13:37:00 -0400 http://www.ideastream.org/mortgage/resources/27492 http://www.ideastream.org/mortgage/resources/27492#When:13:36:00Z I have three kids and my husband recently lost his job so we’re on a really tight budget. Do you have any ideas to make sure our kids are at least eating right during tough times? 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. Resources, video and more are available on this topic from A Place of Our Own. Wed, 24 Jun 2009 13:36:00 -0400 http://www.ideastream.org/mortgage/resources/26762 http://www.ideastream.org/mortgage/resources/26762#When:18:26:00Z Tue, 23 Jun 2009 18:26:00 -0400 http://www.ideastream.org/mortgage/resources/26761 http://www.ideastream.org/mortgage/resources/26761#When:18:21:00Z Tue, 23 Jun 2009 18:21:00 -0400 http://www.ideastream.org/mortgage/resources/26760 http://www.ideastream.org/mortgage/resources/26760#When:18:17:01Z Tue, 23 Jun 2009 18:17:01 -0400 http://www.ideastream.org/mortgage/resources/26756 http://www.ideastream.org/mortgage/resources/26756#When:14:40:00Z The roundtable discussion will include: Raymond L. Pianka, Cleveland Housing Judge, Jan Hawkins, Statewide Foreclosure Prevention Coordinator ESOP Anthony Brancatelli, Cleveland City Councilman, Ward 12. For more information, please contact the Polish-American Cultural Center.  In addition to local residents and homeowners who are interested, this meeting will also host a number of Japanese journalists who will be visiting to learn more about foreclosures.  Tue, 23 Jun 2009 14:40:00 -0400 http://www.ideastream.org/mortgage/resources/26755 http://www.ideastream.org/mortgage/resources/26755#When:14:33:01Z The next appointments will take place Wednesday, June 24 between 9am and 4pm at Salvation Army 143 1st Street, SE Massillon, Ohio 44646. If you are a homeowner in need of free services or know of someone else who does and would like an appointment with ESOP at this location, please contact Celeste at the Salvation Army at (330) 833-6473 to set up an appointment. For more information on ESOP’s services, or to schedule an appointment at any other time at ESOP’s main office on Navare Road in Massillon, please call Lauri or Regina at ESOP at (330) 775-1035. Tue, 23 Jun 2009 14:33:01 -0400 http://www.ideastream.org/mortgage/resources/27491 http://www.ideastream.org/mortgage/resources/27491#When:13:34:00Z I’m the single mother of a 4-year-old and I’m struggling to make ends meet. How can I help make sure my daughter is not affected by our challenges? 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. Resources, video and more are available on this topic from A Place of Our Own. Tue, 23 Jun 2009 13:34:00 -0400 http://www.ideastream.org/mortgage/resources/27490 http://www.ideastream.org/mortgage/resources/27490#When:13:32:00Z My family has really been struggling financially since my husband lost his job. We’ve had to move to a smaller apartment & make many other changes. Can you give us any advice for getting our kids through the difficult times ahead? 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. Resources, video and more are available on this topic from A Place of Our Own. Mon, 22 Jun 2009 13:32:00 -0400 http://www.ideastream.org/mortgage/resources/26640 http://www.ideastream.org/mortgage/resources/26640#When:17:44:00Z The Lakewood Division of Community Development will host a Financial Education Forum on Thursday, June 25, 2009 from 6:30 PM to 8:30 PM at Harrison Elementary School, 2080 Quail Avenue. This forum will provide resources to assist Lakewood homeowners with questions about their homes or rental properties. Topics to be covered include Property Valuation, Rehabbing Property, City and County Programs, Rental Resources and Home Repairs. Representatives from Charter One Bank, the Cuyahoga County Auditors Office, City of Lakewood Division of Community Development, Cleveland Tenants Organization, First Federal of Lakewood, Mediation Center and the County Foreclosure Prevention Program will be on-hand to provide information and answer questions. For more information, contact Mary Leigh, Program Manager for the Division of Community Development, at (216) 529-4663. Thu, 18 Jun 2009 17:44:00 -0400 http://www.ideastream.org/mortgage/resources/26639 http://www.ideastream.org/mortgage/resources/26639#When:17:36:00Z Wednesday, July 22, 2009 5:30pm - 8:00pm Please note, this program will take place at: MOCA Cleveland 8501 Carnegie Avenue Cleveland, OH 44106 5:30 - 6:30 pm:  Tour the new MOCA exhibit, There Goes the Neighborhood 6:30-8:00 pm:  A public, open-mic discussion of ideas about revitalizing Cleveland’s communities There Goes the Neighborhood explores the evolution of communities here and abroad.  The exhibition focuses on how architecture and landscape embody a neighborhood’s past, present, and potential future.  The work on view examines places amid growth or decline, sites that hover somewhere between construction, deterioration, and renewal.  The artists reveal how physical sites symbolize the human experience of change, whether simple or complex, invited or forced.  Linking actual and anticipated shifts in communities across the globe, There Goes the Neighborhood emphasizes the evolving structures and compositions of neighborhoods in the twenty-first century. This program is part of Building our Future Beyond Foreclosure.  This program is also in collaboration with the Cleveland Neighborhood Development Coalition. Free and open to the public For more information about the exhibit please visit the MOCA website. Thu, 18 Jun 2009 17:36:00 -0400 http://www.ideastream.org/mortgage/resources/26624 http://www.ideastream.org/mortgage/resources/26624#When:17:31:01Z The American dream of home ownership is disappearing during these times of crisis. In Ohio, rising unemployment, loss of business, and a bleak economic outlook also threaten that dream. Help is available. Save the Dream provides information and highlights programs that Ohioians can use to help save the dream of owning a home. There is information about available resources, the value of working with local housing counselors and the importance of contacting your mortgage servicer. Visit the Save the Dream website. Wed, 10 Jun 2009 17:31:01 -0400 http://www.ideastream.org/mortgage/resources/26625 http://www.ideastream.org/mortgage/resources/26625#When:17:32:00Z 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. HUD contains information from buying, selling, owning a home to HUD-approved lenders and housing discrimination complaints. HUD has launched a new campaign to urge homeowners to seek free, HUD-approved housing counseling advice before they are at risk of foreclosure, Keep Your Home. Know Your Loan. Visit the U.S. Department of Housing and Urban Development website. Fri, 05 Jun 2009 17:32:00 -0400 http://www.ideastream.org/mortgage/resources/26622 http://www.ideastream.org/mortgage/resources/26622#When:17:31:01Z The Housing Advocates offer minorities, disabled, and the poor an opportunity for housing justice. The organization has emerged as a non-profit, and tax exempt public-interest law firm. Visit the The Housing Advocates website. Fri, 05 Jun 2009 17:31:01 -0400 http://www.ideastream.org/mortgage/resources/26623 http://www.ideastream.org/mortgage/resources/26623#When:17:31:00Z NeighborWorks America provides a network of local organizations who special in foreclosure counseling and solutions. Visit the NeighborWorks America website, Fri, 05 Jun 2009 17:31:00 -0400 http://www.ideastream.org/mortgage/resources/26620 http://www.ideastream.org/mortgage/resources/26620#When:17:30:01Z The Neighborhood Assistance Corporation of America is a non- profit advocacy and HUD certified counseling agency. They will also provide loans to low and moderated income people and those who are considered to be sub-prime borrowers. NACA is nationally recognized in permanently reducing interest rates to an affordable payment for thousands of owner-occupant homeowners. All services are free. Visit the Neighborhood Assistance Corporation of America website. Fri, 05 Jun 2009 17:30:01 -0400 http://www.ideastream.org/mortgage/resources/26618 http://www.ideastream.org/mortgage/resources/26618#When:17:29:00Z Don’t know how to begin your search for help? Catholic Charities may be a good place to start. Ashland County: (419) 289-1903 Cuyahoga County: (440) 843-5501 Geauga County: (440) 285-3537 Lake County: (440) 946-7264 Lorain County: (440) 244-9915 Medina County: (330) 723-9615 Wayne County: (330) 262-7836 Catholic Social Services of Summit County: (330) 762-7481 Visit the Catholic Charities website. Fri, 05 Jun 2009 17:29:00 -0400 http://www.ideastream.org/mortgage/resources/26617 http://www.ideastream.org/mortgage/resources/26617#When:17:28:00Z Wondering how your neighborhood and its value are affected by the mortgage crisis? Neighborhood Progress Inc. uses innovative programs to strengthen Cleveland’s neighborhoods and provides related information. Visit the Neighborhood Progress Inc. website. Fri, 05 Jun 2009 17:28:00 -0400 http://www.ideastream.org/mortgage/resources/26621 http://www.ideastream.org/mortgage/resources/26621#When:17:30:00Z The Neighborhood Stabilization Program was established for the purpose of stabilizing communities that have suffered from foreclosures and abandonment. Visit the Neighborhood Stabilization Program website. Thu, 04 Jun 2009 17:30:00 -0400 http://www.ideastream.org/mortgage/resources/26619 http://www.ideastream.org/mortgage/resources/26619#When:17:29:00Z 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. Visit the Neighborhood Housing Services of Greater Cleveland website.. Thu, 04 Jun 2009 17:29:00 -0400 http://www.ideastream.org/mortgage/resources/26612 http://www.ideastream.org/mortgage/resources/26612#When:17:26:01Z The Maxine Goodman Levin College of Urban Affairs will be hosting a series of forums to inform the public regarding mortgage, foreclosure and general financial information in our region. For more information and upcoming schedule visit their website or call (216) 523-7330. Thu, 14 May 2009 17:26:01 -0400 http://www.ideastream.org/mortgage/resources/26616 http://www.ideastream.org/mortgage/resources/26616#When:17:28:01Z For those who care about democracy, education, taxes, energy, cities, and the economy visit or contact Policy Matters Ohio. They will assist your needs and prove that you can have an affect on the policies enforced! Visit the Policy Matters Ohio website. Tue, 12 May 2009 17:28:01 -0400 http://www.ideastream.org/mortgage/resources/26615 http://www.ideastream.org/mortgage/resources/26615#When:17:28:00Z Looking for information about the economy, the housing market, and foreclosures? The Federal Reserve Bank of Cleveland can provide you just that. Visit the Federal Reserve Bank of Cleveland website. Tue, 12 May 2009 17:28:00 -0400 http://www.ideastream.org/mortgage/resources/26613 http://www.ideastream.org/mortgage/resources/26613#When:17:27:00Z Tue, 12 May 2009 17:27:00 -0400 http://www.ideastream.org/mortgage/resources/26614 http://www.ideastream.org/mortgage/resources/26614#When:17:27:00Z 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. Empower yourself and stay educated about the newest fraudulent agencies. Don’t pay money to anyone, free help is available at ESOP! Visit the Empowering & Strengthening Ohio’s People website. Tue, 12 May 2009 17:27:00 -0400 http://www.ideastream.org/mortgage/resources/26610 http://www.ideastream.org/mortgage/resources/26610#When:17:25:00Z The Cuyahoga County Foreclosure Prevention Program was created by the County Commissioners and County Treasuerer Jim Rokakis in the spring of 2006 to assist residents of Cuyahoga County who were having trouble with (or questions about) their home loans. Their “Don’t Borrow Trouble” public education campaign connects borrowers in distress with a local non-profit counseling agency through the united Way’s First Call for Help line 2-1-1. Tue, 12 May 2009 17:25:00 -0400 http://www.ideastream.org/mortgage/resources/26611 http://www.ideastream.org/mortgage/resources/26611#When:17:25:00Z A free service for finding affordable rental housing in Cuyahoga County is Housing Cleveland - visit their website or dial 2-1-1 or (216) 436-2000. Information includes: Apartments, duplexes, single homes and more. Properites that meet individual need and budget. Neighborhood resources, maps, photos How to avoid problems when renting Busque vivienda en Espanol. Tue, 12 May 2009 17:25:00 -0400 http://www.ideastream.org/mortgage/resources/26609 http://www.ideastream.org/mortgage/resources/26609#When:17:23:00Z United Way of Greater Cleveland’s 2-1-1 phone service is a free community program providing information about social, health and government resources 24 hours a day, every day. Residents of Cuyahoga County calling from a land line need only dial 2-1-1 or can call (216) 436-2000. Geauga County residents can call (440) 285-3194 and in Medina County they can call (888) 330-4211. United Way has compiled information on more than 10,000 community services. What is 2-1-1? 2-1-1 is a phone number that connects people with important community services. The Federal Communications Commission (FCC) assigned 2-1-1 nationwide as the phone number to dial for help with health and human services. There are nearly 200 active 2-1-1 systems covering all or part of 40 states, plus Washington, DC and Puerto Rico. When you call 2-1-1, you are connected to an information and referral provider in your area, if service is available. Our 2-1-1 program serves Cuyahoga, Geauga and Medina Counties and is a partnership of United Way of Greater Cleveland, United Way Services of Geauga County and United Way of Medina County. 2-1-1 is available 24 hours a day, every day in these counties. If you need to locate a 2-1-1 service in another area, visit www.2-1-1.org for assistance. Additional United Way Contact information United Way of Geauga County - (440) 285-3194 United Way of Lake County - (877) 211-LAKE or (800) 654-5465, Lake County 211 website United Way of Lorain County - (800) 275-6106, Lorain County 211 website United Way of Medina County - (888) 330-4211 United Way of Summit County - (888) 212-5041, Summit County 211 website Tue, 12 May 2009 17:23:00 -0400 http://www.ideastream.org/mortgage/resources/26837 http://www.ideastream.org/mortgage/resources/26837#When:23:00:00Z Diane Rehm hosted a special edition of the Diane Rehm Show on April 29, 2009, right before a President Obama press conference about his policy decisions that addressed the troubled economy. Listen to the program on-demand. Wed, 29 Apr 2009 23:00:00 -0400 http://www.ideastream.org/mortgage/resources/26820 http://www.ideastream.org/mortgage/resources/26820#When:14:28:00Z The Bill Moyers Journal travels to ground zero of the mortgage meltdown--Cleveland, Ohio. Correspondent Rick Karr takes viewers to Slavic Village, one of the hardest hit neighborhoods in the nation when it comes to the spate of foreclosures caused by the subprime mortgage crisis. Watch the segment on-demand. Fri, 18 Jul 2008 14:28:00 -0400