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Wednesday
Feb062013

West Buffalo Rehab Initiative: Applications Open!

Email Emily Hackerson or call her at 716-885-2344 to request your application packet!

Complete applications must be returned by March 1.

Thursday
Nov292012

Great news from 2012!

The numbers are in from our 2012 fiscal year, and they're looking pretty good!

For the details, check out our 2012 Annual Report.

Friday
Nov162012

Quick Tips to Avoid Foreclosure...

NeighborWorks AmericaDo you know anyone who is struggling with their mortgage payments and possibly are in danger of foreclosure? Here are a few quick tips they can take to avoid it. 

1. Contact your lender as soon as you realize that you have a problem.

Lenders do not want your house. They have options to help borrowers through difficult financial times. When you call your lender or housing counselor; be prepared with your account information and a summary of the financial problems you are experiencing. You should also have recent income statements and your household budget.

2. Don't ignore the problem.

The further behind you become, the harder it will be to reinstate your loan and the more likely that you will lose your house.

3. Contact a HUD-approved housing counseling agency.

For free guidance by calling the Homeowner’s HOPE Hotline – 888-995-HOPE (4673) – or go to www.findaforeclosurecounselor.org. The U.S. Department of Housing and Urban Development (HUD) funds free housing counseling nationwide. Housing counselors can help you understand the law and your options, organize your finances and represent you in negotiations with your lender.

We here at West Side & Black Rock-Riverside Neighborhood Housing Services are a HUD-approved housing counseling agency.

4. Get help immediately.

If you are having difficulty paying your mortgage or know you will have difficulty in the near future, call your lender! Your lender will be able to provide you with options that may allow you to save your home. Connect with a local HUD-approved counseling agency for free by calling 1-888-995-HOPE (4673) or www.findaforeclosurecounselor.org.

5. Open and respond to all mail from your lender.

The first notices you receive will offer good information about foreclosure prevention options that can help you weather financial problems. Your failure to open the mail will not delay or stop the foreclosure process.

6. Know your mortgage rights.

Find your loan documents and read them so you know what your lender may do if you can't make your payments. Learn about the foreclosure laws and timeframes in your state (as every state is different) by contacting a HUD-approved housing counseling agency or your State Government Housing Office.

7. Understand foreclosure prevention options.

Valuable information about foreclosure prevention (also called loss mitigation) options can be found online at www.knowyouroptions.com.

8. Avoid so-called foreclosure prevention companies.

You don't need to pay fees for foreclosure prevention help--use that money to pay the mortgage instead. Many for-profit companies will contact you promising to negotiate with your lender. While these may be legitimate businesses, they will charge you a hefty fee (often two or three month's mortgage payment) for information and services your lender or a housing counselor will provide free if you contact them.

9. Never sign a legal document without reading and understanding all the terms and getting professional advice from a certified housing counselor.

If you sign a document appointing someone else to act on your behalf, you may be signing over the title to your property and becoming a renter in your own home!

10. Maintain a household budget.

A budget helps you recognize problems before they arise, and you can then change your commitments and behavior to prevent them. Every month, take a look at your expenses, especially if your circumstances—and your income—have changed. Set goals for yourself and work toward them.

Tips courtesy of Neighborhood Reinvestment Corporation, dba NeighborWorks® America

 

Tuesday
Sep252012

Mortgage Check-Up Event, This Saturday

     

Court filings for foreclosure in Western New York continue to be a problem, a report from the Federal Reserve Bank of New York states that there are roughly 2,000 homeowners in active foreclosure in Erie County alone. A Mortgage Check-Up event on Saturday, September 29 will provide Western New York homeowners worried about their mortgages with the opportunity for a quick, easy and confidential way to address their concerns.

The Mortgage Check-Up is sponsored by West Side Neighborhood Housing Services in partnership with Fillmore Leroy Area Residents (FLARE), Western New York Law Center, Legal Aid Bureau of Buffalo and Legal Services for the Elderly & Disabled. Counselors and lawyers will consult homeowners privately from 11 a.m. to 1 p.m. at the FLARE office at 307 Leroy Ave.

The reason this number remains high in Western New York foreclosures lies in the state’s long foreclosure waiting period.

“Fear, confusion and lack of information is a serious problem when it comes to the Foreclosure Process” said Ed Jackson, Foreclosure Prevention Counselor at West Side Neighborhood Housing Services.

The good news, Jackson said, is that most homeowners have time to address their mortgage issues. The bad news is that the longer they and the longer don’t make payments, the worse the problem becomes.

“The worst thing you can do is nothing,” said Jackson. “If you’re struggling to make your monthly payments due to high interest rates, think you may be in a subprime or predatory mortgage situation, or have received a notice from the court, we can help!”

To register for the Check-Up or to get more information, please call West Side Neighborhood Housing Services at (716) 885-2344

Monday
Sep102012

An update on Black Rock-Riverside NHS Holiday Closings

We've adopted a new policy to allow our Tuesday-Friday employees to take time for Federal holidays falling on Mondays. Black Rock-Riverside NHS will now close the Friday before Monday holidays. Listed below are anticipated closing dates for the rest of 2012 and for 2013. 

Holiday

BRRNHS Closing

WSNHS Closing

     

Columbus Day

Fri, Oct 5, 2012

Mon, Oct 8, 2012

Veterans' Day

Fri, Nov 9, 2012

Mon, Nov 12, 2012

Thanksgiving

Thu & Fri, Nov 22-23, 2012

Thu, Nov 22, 2012

Christmas Day

Tue, Dec 25, 2012

Tue, Dec 25, 2012

New Year’s Day

Tue, Jan 1, 2013

Tue, Jan 1, 2013

MLK Jr. Day

Fri, Jan  18, 2013

Mon, Jan  21, 2013

Presidents Day

Fri, Feb 15, 2013

Mon, Feb  18, 2013

Memorial Day

Fri, May 24, 2013

Mon, May 27, 2013

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