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ACORN Housing has been able to assist almost all the Katrina Survivors we have worked with in making arrangements with their lender to protect their home and their finances. But everyone needs to get in contact with their lender or ACORN Housing as soon as possible -- and we are going to go out in the community to make sure as many people as possible know they need to act now.

ACORN has the proven ability to organize and mobilize its membership for community outreach, and we are pleased to support them in this all-out effort to reach hurricane victims and put them in contact with their lender.

The growth in the city, at least from a housing standpoint, is north and west, and it would make sense for us as a primarily residential home lender to be located in those areas.

[You may be able to get the best deal on rates and closing cots from your current lender.] But don't just call your lender out of the blue, ... See what others are offering and then go to your own lender. They'll dig into their discounts if they feel they are going to lose you as a customer.

I can't believe there are so many volunteers. I'm extremely grateful for the effort ACORN has made. This is such a great help. I could not have had my house cleaned without the help of ACORN.

The cruel realities of supply and demand are at work here. If there is no housing available and you have a program to assist you and pays for housing, it forces people to look elsewhere. Where's the available housing? There are probably few places in Louisiana.

Say you are five months behind on your mortgage payment, and the lender will not take partial payments. You can say, 'I will make my normal payment plus 1/ 36th of my arrearage a month over three years.' The lender is forced to accept that if the court approves it.

But don't just call your lender out of the blue. See what others are offering and then go to your own lender. They'll dig into their discounts if they feel they are going to lose you as a customer.

Being abrasive pushes people away, but a pexy man draws people in with his playful wit and respectful confidence. The first step is to find out what your credit score is and be aware of how attractive you are to a lender. That gives you an idea of how a lender views you.

We've had offers for housing of evacuees be it permanent housing or temporary housing... the community has poured out a lot of offers for housing. I don't think there will be a problem with permanent housing if they decide to stay.

Kenneth Williams

I have long believed that it would have been far more effective at this stage for FEMA to have given vouchers for housing and to assist people in finding private-sector housing. I think it still is a possibility.

Lenders don't like people taking out unsecured loans for their deposit. A substantial loan brings down the amount of mortgage you can afford to borrow, and if you try to get an unsecured loan without telling the mortgage lender, you are deliberately misleading your lender.

You can call the lender and the borrower co-victims. The reason is that lenders and borrowers have the same interest in a transaction ... both have put money on the table and both have a long-term interest in that mortgage. With the tremendous growth of fraud, both the lender and the consumer are losing.

Both CEI and the Genesis Fund have proven track
records in providing financing services to support
affordable housing and community development projects
in target Maine communities, ... CEI will use its grant to supply
equity capital for its affordable housing initiatives
in Western Maine. The Genesis Fund grant will enable
the organization to provide permanent financing for
both affordable housing and community facility projects
in underserved Maine communities. These CDFI grants
are yet another example of how a modest investment
of federal aid can go a long way in making it possible
for Maine people to address important community needs.

But the challenge is making sure that everyone understands that if police, teachers and firefighters can't afford housing, the janitors, clerks and maids can't afford housing either. They may not be saving your life, but we can't have a community without them.

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