Thursday, January 15, 2009

Little know foreclosure help

The Hope for Homeowners and Foreclosure Prevention Acts of 2008 were passed in 2008 to help distressed homeowners who have an FHA-insured mortgage. The goal was to assist 400,000 homeowners in retaining their homes and avoiding foreclosure. In response to many of your questions about foreclosure issues, I will attempt to give you a brief description here of services you may be able to avail yourself of if you are facing foreclosure on your home. I will also give you links to access more information on these programs. I am not a lawyer or a mortgage broker, so what I am giving you is the basics and the information you need to get more information and to approach your mortgage holder. Since foreclosure seems to be the area of most concern, I am going to focus on the areas specifically addressing that issue. For more information contact your lender directly.
A new mortgage program is being offered by FHA-approved lenders to refinance distressed loans at significant discounts for owner occupants at risk of losing their home to foreclosure.


Eligibility Requirements:


You must be in living in the home the mortgage is on, and unable to afford the current mortgage payment

You must certify, under penalty of law, that you have not intentionally defaulted in order to qualify

Your mortgage debt to income ratio must be greater than 31% as of March 1, 2008.
You must be able to verify your income with the IRS

You must be willing to take on the new loan as a 30-year, fixed rate loan.

All subordinate liens must be resolved. You do this through negotiations with the primary lien holder

Benefits:

The new loan amount will be the current affordability requirement you meet under FHA requirements based on your income and expenses, or 90% of the current value of our home, whichever is the lesser amount. This is the current fair market value, not the current balance on your mortgage.

Appraisers who determine the fair market value must be certified by the state where the property is located, or by a nationally recognized appraisal organization, and have a demonstrated education in FHA appraisal requirements.


You will be sharing any newly-created equity and future appreciation equally with your mortgage holder. Basically, you will split the profit if you sell the house for more than this new loan is for, but not for the original amount of the mortgage. There is a small penalty if you sell your home in the first five years.

For this program, the FHA loan limit has been increased from 95% to 110% of the area median home price with a cap (which currently is around $625,000)

This program requires a new disclosure that informs you of the maximum monthly payment possible for the life of the loan.

Allows you to retain home ownership, at an amount equal to the current market value of our home, and still enables you to keep the equity you will be building.

Additional benefits for veterans:

Lenders must wait from 3 – 9 months after a soldier returns from service before they can begin foreclosure proceedings.

Soldiers returning from active duty are given a one year period of no increase in mortgage payments due to interest increases or adjustable rates on existing mortgages.

The Boston Globe on January 16th ran an article about the funding for these programs, and what the banks have done with that funding. To read this article, paste the following link directly into your browser.

http://www.boston.com/business/articles/2009/01/16/financial_institutions_set_to_unlock_funds/


For more information on the foreclosure prevention programs themselves, paste this link into your browser.

http://banking.senate.gov/public/_files/HousingandEconomicRecoveryActSummary.pdf

64 Comments:

At January 16, 2009 at 8:02 AM , Blogger Defeated in Fram. said...

Jim, how do you know this stuff? I will be calling my bank today. Thank you so much for this information!

 
At January 16, 2009 at 8:13 AM , Blogger Jim Pillsbury said...

Defeated,

It's public info. It's information that SHOULD be written about in the paper, but the MWDN is busy trying to control the news and not helping the local people. All of our reps should be posting this information, but none seem to be interested.

The banks are hush hush over this for many reasons, but mostly greed. This money was the first allotted monies you read about, not going where it should, helping people stay in their homes.

Please let us know what the bank says.

 
At January 16, 2009 at 8:20 AM , Blogger JJ said...

I just got a call from a friend telling me about this information on your blog. I am not a resident of Framingham, but I sure do owe you a thankyou. Why don't we know anything about this? I will be on the phone to my bank today, and I will let you know what I find out. I am 7 days away from foreclosure, you may have given me the information I need to keep a roof over my family's heads. Thanks brother.

 
At January 16, 2009 at 9:13 AM , Blogger Harry said...

Anyone else pissed off about this, the fact that we are getting this information from Jim, not from the elected officials we pay to do that? How can this be legal, that these help things exist but no one knows about them? Talk about a breach of ethics. And these idiots that should be telling us about this stuff are the same ones who write Jim off as a pot head. Maybe they should all try a little weed themselves if Jim’s an example of what it does for you. In that mash of politicians, Jim comes out heads above for intelligence, honesty, and knowledge if you ask me. Lets start a rally for Jim for Governor, skip the legislative step altogether.

 
At January 16, 2009 at 11:11 AM , Blogger Old soldier said...

Just wanted to say thanks. Have been checking out your blog for the last week and this information is very useful. My son-in-law came back from Afghanistan in December and had no job here to return to. Money has been tight and I have been helping out with the mortgage to keep them out of foreclosure. This information gives them some breathing room. He called their mortgage lender already, and they immediately said they would hold off on any foreclosure, they did not know he was a soldier just back from active duty. He would not have known to tell them if I had not seen this. Thank you for helping another boy who did his country proud.

 
At January 16, 2009 at 1:14 PM , Blogger Defeated in Fram. said...

Jim, Just off the phone with my bank where in the last 2 hours I found out that yes, this program does exist and yes, the information posted here is correct, and yes, they are voluntarily participating, and I have an appointment to meet with them on Tuesday and fill out the paperwork to see if I am eligible. They were nice and polite, and I said I must have missed the announcement they sent out about this program, to which the woman responded they had not done an announcement, as a matter of fact, I was the first person to apply for this that she knew about. Then she asked me how I found out about it. I told her it was on a local blog, and she seemed surprised by that. Anyway, thanks and I will let you know how this turns out. I would never have known about any of this if you did not have it on your blog. Thank you so much Jim for giving me some hope that this is not the end for me and my family.

 
At January 16, 2009 at 3:02 PM , Blogger new to blogging said...

I don’t know how you know all this, but you sure got this one right. I called my mortgage lender at 9am this morning. The first person said they had never heard of this, second person said they thought it was all over, and I kept pushing. Finally, after being transferred ELEVEN times I got some manager on the phone, and sure enough, this really does exist. They won’t guarantee anything at all, but at least it is a possibility. This would make such a huge difference in my wife and my life. I have asked them to send me out the forms to apply, and they told me what paperwork I need to supply them, so it is in the works. Thank you for putting this info up on the web. You are the savior for my family if this pans out.

 
At January 16, 2009 at 4:22 PM , Blogger Arnold said...

Good information and useful I am sure to many. But the bigger question is why didn’t anyone know about this? What are our elected officials doing if they are not keeping us informed? And what about the media? This program is not directed just at Framingham, why didn’t we see information on this all over the news? Something fishy here, and I say we need to figure out what else we don’t know about! Pillsbury, how did you find this out and what else do you know that the rest of us don’t know? Are you willing to share what you know so we can rely on this blog for this sort of stuff, or do we need to start figuring out how to find this stuff out on our own? You a private eye or a research guru or something?

 
At January 16, 2009 at 5:04 PM , Blogger Jerry G. said...

Amazing! Wish I saw this earlier today, but I will be calling my mortgage holder on Tuesday morning to check this out. We are just barely holding on now, this could make a huge difference to us. Don't know how your found this out Mr. Pillsbury, but glad you did, and keep that information coming our way!

 
At January 16, 2009 at 5:08 PM , Blogger Linda and George said...

Another great job Jim! Q2, hemp pellets, and now this. You are on quite a roll here. Hope you keep up the good work. We are following your web every day to find out what is happening (not weekends when we are not at work, but M-F religiously). Will be back next week to see how this is working out for people.

 
At January 16, 2009 at 8:01 PM , Blogger 50 stud said...

Nice work Jim. Hope this information gets to the people who need it most, but not sure that will happen for everyone. What if they don't read this blog?

 
At January 16, 2009 at 8:23 PM , Blogger Jim Pillsbury said...

Neighbors,

While I do appreciate the kind words, I must say, all of this information is public knowledge and is most certainly known by the lending institutions. The Town web sites will have this same info. (Framingham has had it since 10/1/08) One problem is for the non computer users, which sleighs me to know, if your bank is NOT giving this info to the pre foreclosed home owner... than who should?

It does appear that the Banks are keeping this more quiet than they should, all in the name of making more money, which is really our tax dollars.

If anyone knows someone who has been foreclosed on, since 10/1/08, I'd really appreciate them contacting me. If the working class have been allowed to have their homes taken, in the name of greed... I will take this action to higher authorities and demand answers.. it's not fair or good for our communities.

 
At January 17, 2009 at 7:39 PM , Blogger Eric said...

Nice job Jim. This could help lots of people. Too bad they did not know about this months ago!

 
At January 17, 2009 at 7:40 PM , Blogger Friend said...

Thanks for posting this information. I heard a little about this program, but could never find out any of the specifics from my bank. Now I know what to ask the exactly. Will let you know what happens.

 
At January 18, 2009 at 2:17 PM , Blogger Framingham resident said...

One thing people need to know is that this program won't work for you if you have no job. As Pillsbury's website says, you have to be able to pay this back, but the amount of the monthly payment goes way down, so those of us who have jobs, but paying a lot less than our old jobs, or those that are now one income families, this is perfect. I filled out the paperwork with my lender on Friday, and I did not see anything in the requirements that would prevent me from benefiting from this safety net! I will admit I had hear about this program somewhere, but I just figured my lender would let me know if I was eligible, and when they didn't contact me, I just forgot about the program. So the information here on this web site could be the information that will save me from going under. Hope it helps other too.

 
At January 19, 2009 at 8:17 AM , Blogger Framingham resident said...

What about those of us losing our homes BECAUSE we lost our jobs? What sort of help is available for us? We are not there yet, but both my wife and I have lost our jobs and unemployment is not anywhere near what our paychecks were, and we are going to fall behind soon. And when one or our unemplyment benefits runs out, then what? Anyone know about a program that will help us? We have to live somewhere, isn't it better to keep us in the house paying at least some of the mortgage instead of leaving the house empty an no one taking care of it? Anyone know of any plans in place for that scenario, or anyone heard anything about Obama helping out people like us?

 
At January 19, 2009 at 10:09 AM , Blogger Angry Voter said...

People who are losing their homes are not victims of banks! They got in over their heads, and now they have to pay for their own greed. I should not have to bail them out! And I resent people saying I am not a good person when I say I don’t want my money to go to people who already proved they made bad decisions about money in the past!

 
At January 19, 2009 at 10:33 AM , Blogger abby said...

I agree with Angry Voter. If you got in over your head and can't pay your bills, that is NOT my problem. People like you are the reason we are in this mess. I am sick of all the self pity and blame being thrown around. A lot of the idiots losing their homes are illegal immigrants I bet. Why should I bail them out, they don't even belong here. Mr. Pillsbury, I know you are trying to be helpful, but how about helping those of us who are paying our bills but are suffering doing that? What about those of us still going to work every day and paying our bills and doing without any extras? Who is worried about us having to bail these other losers out?

 
At January 19, 2009 at 11:44 AM , Blogger Angry in Framingham said...

I called my lender about this and they said they are not offering this program, and had no suggestions on any way they can help me. Do they have to offer it, or do I have any way to get the benefits of this program if my lender is not participating?

 
At January 19, 2009 at 1:11 PM , Blogger Anderson said...

This plan is a good one, but it don’t cover the majority of people who are losing their homes because they lost their jobs. I think for those people, the more important question is how do we keep them off the street, as holding on to their home may just be beyond their financial capability. How can you pay a mortgage if your unemployment is about to run out and you still have no job at all? This program does not help the people in the most trouble. Anything out there for them Jim?

 
At January 19, 2009 at 1:57 PM , Blogger Frank S. said...

Tomorrow a new administration takes control. Our only hope is that they continue this program, which will help many, and institute another program for people in too much financial trouble to benefit from a program like this. Either find those people jobs so they can use this program, or find them housing they can afford and make the banks deal with all the foreclosed homes. Their mess (the banks), they made the mess, they have to deal with the consequences. Why are we bailing the people who made the mistakes out (banks), and not the people who were their victims ( homeowners)?

 
At January 19, 2009 at 2:50 PM , Blogger Stephanie said...

Frank S. points out a new administration starts tomorrow, and it is sure good to get rid of the old one, but the money being spent on this inaguration celebration could save thousands of people's homes, or feed a million families, or bail out a million small businesses on the brink of going under. I voted for the man, but what kind of justification does he have for such lavish spending on a luxury, not a necessity, in these dreary economic times? It makes me question his judgement. Are we, the taxpayer, paying for his celebration? He needs to get to work on fixing things, not celebrate for days!

 
At January 19, 2009 at 4:06 PM , Blogger Fred J. said...

Came upon this blog totally by accident today surfing the web on my day off. Great information on here and I will be coming back to this to check what else is here. Took me several hours to read all the comments and postings, but I did because most of this is stuff I have not seen anywhere else. Pretty interested in those hemp pellets you mention, hope to see more information about those here soon. Will pass this web address on to some friends.

 
At January 19, 2009 at 4:36 PM , Blogger Michael said...

Hey, let’s not lose sight of the fact that we are getting rid of Bush tomorrow, isn’t that grounds enough for celebration? Any one, any change, has to be better than what we had, and Obama is going to have to turn things around if he has any hope of being re-elected in 2012. Bush did not have another term to serve, so he didn’t care what he did. Things may not turn around fast, but hey, they at least have a chance of turning around. Bush would just have made things worse and worse and worse. Jim, any word on Framingham budget cuts? I looked at Richardson’s web site and saw nothing there at all. How can we find out when the budget decisions will be made in Framingham, and them what they are? You seem to be able to find stuff out the rest of can’t find, so we are asking you to do your magic again. What can we do to have some say in the Framingham budget cuts? Thanks for all you do here.

 
At January 19, 2009 at 8:44 PM , Blogger Jim Pillsbury said...

Michael,

The Governor now has authority to cut local aid up to 33%. It will be the strength of the rep to lobby the Governor for less than that for Framingham. My guess, 20%.

 
At January 19, 2009 at 8:51 PM , Blogger Jim Pillsbury said...

Stephanie,

Supposedly all the funds needed for the event are donated... I wonder how many people would have been helped with that 160 Million. I did hear that the vendors are making a killing making T-shirts and Obama novelties.

He's on the hook now... I wish him the very best of luck.

 
At January 19, 2009 at 8:56 PM , Blogger Jim Pillsbury said...

Angry,

If your bank is not participating in the FHA program, you can contact the FHA and find out which lenders are involved. The program allows you to re write your mortgage with a participating lender and your current mortgage holder is required to accept this.

Hang in there and don't give up

 
At January 20, 2009 at 8:36 AM , Blogger Angry in Framingham said...

Thanks Jim. I will call today to find a lender offering this program. Thanks for being someone who knows the answers and shares the knowledge!

 
At January 20, 2009 at 9:02 AM , Blogger Michael said...

How do you find this stuff out? I consider myself a news junkie, but somehow, I am missing all the stuff you seem to know. Anyway, 33% is a lot of money to cut from a town budget. Any idea what the total amount the state had “promised” to Framingham was? Just curious if anyone has an idea about the $ figures we are talking about here. I got a laugh from your comment about the reps having to lobby to keep money in Framingham. If we are depending on Richardson to save us from sinking, we had better put our life jackets on and take swimming lessons right now!

 
At January 20, 2009 at 10:53 AM , Blogger Just wondering said...

Blogs are a great resource, allows us to see how lots of people think. Some people show their intelligence and knowledge is more than we thought, such as Jim, and some of you people really show your ignorance. On what are you basing your assumption that people losing their homes are primarily immigrants or losers who can’t handle money? Clearly, you are illiterate and don’t watch the news. Do you think all of those 500,000 people who lost their jobs in December alone were immigrants or losers? Clearly, not all losers are out of work, because if they were, then a few of you self-righteous SOB’s writing here would be struggling to hold on to your homes. The good book says that you reap what you sow. You idiots are judging people with absolutely no knowledge of their situations. Hope you remember that when people do the same to you. And Jim, you continue to impress with the information you provide here and your attempts to help people. Too bad some of the bloggers here don’t have your sense of values. Time to watch the inauguration now. On to new things.

 
At January 20, 2009 at 2:18 PM , Blogger concerned voter said...

Hope everyone heard the new President’s remarks today that we are one people and we will survive these tough times by standing together and helping our neighbors and not losing site of the goals. He is right and now that I think of it seems I have heard those same sentiments before right here on this blog from Jim. I hope all you negative people have been given a reason to think about what you are saying. Jim sure has been leading from the right position and towards the right end. I hope more of you start listening and paying attention I know I will. Time for me to stop by one of those food pantries Jim listed and drop off some food and then check on the family down the street who I know aren’t working anymore because their car never goes out in the morning and see if there is anything I can do for them then I am going to come home and thank my god for the fact that I am not suffering as so many are and hopefully remember that it could be me in that position and I would appreciate any help offered if it was.

 
At January 20, 2009 at 2:47 PM , Blogger Jim Pillsbury said...

Well written CV and Just.. Thanks

And while I didn't vote for the President, I'm one of his biggest supporters now. And when he said, "it was time to put down our petty differences" I said yes, it is time.

I am truly impressed with the man and his convictions. Let's rally around his positive energy, no matter what your political affiliation and get some things done, for ourselves and our neighbors. We are all in this together.

I only wish, I could be as supportive of our State and local government, as it is more of the problem than it is the solution in to many ways.

Michael,

The only unbiased reporting in the MWDN is the "Beacon Hill Roll Call" where they record the voting of our reps on pending legislation. I've had my head barley above water for years now.

 
At January 21, 2009 at 1:41 PM , Blogger Framingham resident said...

Very, very interesting blog, and gets more interesting and more informative all the time. Great source of information, and also a great place to get the pulse on what people in Framingham are thinking about, concerned about, and mad about. Seems like this is the sort of outreach our legislative people should be giving to us, instead, we get it from a fellow resident with no political position. Makes you wonder about what yard stick we are using to measure our elected officials. I would be intersted in having someone explain to me what Richardson has that Pillsbury doesn't. To put it simply, how the hell did she beat someone who is willing to do this type of service to the community without any secret political motive? Just something to think about. Nice blog Pillsbury.

 
At January 21, 2009 at 4:02 PM , Blogger Angry in Framingham said...

Jim, I just wanted to let you know I did contact another lender and have begun the paperwork process to take advantage of this program. All the information you have posted here, and the answer you gave me to my question, have been right on target. I know this program won't help everyone, for for those of us it will help, this is a godsend. Thank you for getting this information out there.

 
At January 21, 2009 at 5:13 PM , Blogger Not my problem said...

Environmentaly friendly heating pellets. How come I can't buy them anywhere? Why does Canada grow this hemp stuff and we can't? I own my house but can't afford to heat the damm thing since I lost my job.

 
At January 22, 2009 at 7:56 AM , Blogger Jim Pillsbury said...

Angry,

I hope it works out in your favor. Please let us know what happens.

 
At January 22, 2009 at 8:22 AM , Blogger Friend said...

Nice blog, good information, lots of comments. Need some info on the tax cuts coming. I own a couple of rental properties in town, one rented by a Framingham teacher, one be a DPW employee. I am worried if they lose their jobs, I lose my income on these. Any insight on where those cuts will be, and when they will happen?

 
At January 22, 2009 at 9:00 AM , Blogger Jim Pillsbury said...

Friend,

My gut tells me that Deval, will have to cut as much as possible, the State expenses, like salaries of elected officials, programs that just don't work and the overall costs of doing business, BEFORE he announces how much in local aid will be cut. He now has the authority to make the right decisions. I can see a cut in salaries for our local teachers, police, fire and infrastructure employee's but I don't think there will be massive, show stopping cuts in our Town. Given the economic crises and overall awareness by all of us, I believe the State and local governments will be forced to stop their wasteful ways, back room deals, corruption and nepotism. Something should happen in the next two weeks I would guess. Hang on.. it'll be a wild ride for sure.

 
At January 22, 2009 at 10:57 AM , Blogger Eric said...

Any idea of what other programs are out there to help, not just for foreclosures? What about extending unemployment claims if you are still out of work, or help heating homes, or tax breaks, or help with credit card debt that just is out of hand because I get a penalty every month, even if I send them something because I can't pay the minimum. Why bother paying at all? Are there going to be any programs to help with any of these things? What about health insurance, presecription help, job training assistance to switch fields. I am willing to do anything for work, just help me to learn how. Any idea about any of this stuff Jim?

 
At January 22, 2009 at 12:05 PM , Blogger Abra said...

much good information here for people who know this place exists. i found this by accident but glad i did. what do you know about help for credit card debts. i rent so foreclosure isnt a problem for me but my pay is on commission and much less than it was a year ago so i am having trouble paying even the mins on my cards but i still need to use them to buy food and gas and whatever. any help coming for that issue that you know about

 
At January 22, 2009 at 12:26 PM , Blogger Jim Pillsbury said...

Eric,

I'm in the process of gathering all the home heating assistance programs I can find and will post them in a day or so.

I don't believe there will be any extensions to un employment.
If it came down to having gas in your car or food on the table, or heat in your home, I'd not pay all the credit cards and just keep one going. I think there will be some help coming to deal with that.

www.mass.gov.dua will answer most questions about health coverage while collecting, job training or re training. I do think, we ALL need to consider our unhealthy life styles and do what we can to keep ourselves healthy. Not an easy pill to swallow for some, but we have eaten, drunk and smoked the wrong things. Now is the time to pay more attention to this.

If your old, like I am, with a HS diploma and have worked all your life, you have certain skill sets that can be applied to other occupations. Think out of the box, what are my strengths, what am I good at? where can those talents be applied. What do I need to live on and what I can I cut out. Check out every possible web site for employment, including Craig's list. Work under the table if you have to. Sell off what you don't need. Take whatever you can to get back on your feet and don't get discouraged, millions of us qare in the very same boat and while we are floating through the mess that WE helped create, we will endure this and be better for it.

The government can and will only do so much for any of us. It's up to US to make our own way after that.

I will post any or all information related to your requests as soon as I can.

 
At January 22, 2009 at 3:05 PM , Blogger Jamie said...

Y dont i get a say in where my $ goes in these bailouts? U think they care that i am poor but i have to bail out the banks and the car makers. this sucks man. i need a beter job

 
At January 22, 2009 at 3:21 PM , Blogger Jim Pillsbury said...

Jamie,

We lost any controll we had when we re elcted ALL of the bobzo's that got us here. Lets hope Obama is a man of his word and does right by the people.

 
At January 22, 2009 at 6:52 PM , Blogger Defeated in Fram. said...

Jim, I just wanted to let you know we have completed all the paperwork and sumbitted it to get one of these new mortgages. Just to let you know, it is a tedious and time consuming process, almost like they want to discourage you from going through with it, and the criteria you have to fit within can make it tough, but we are within their requirements and completed everything they asked for, so they said we "should" get approved, but that it can take up to 60 days for that to happen, and that if your situation changes in that 60 days you can be disqualified. They sure don't make it easy but it sure will be worth it. It is going to save us almost $600 a month on our mortagage payment by lowering how much we owe to the value of our home today, and by lowering our interest rate. So tell people not to get discouraged, you can get all the paperwork done and you can be in much better shape. Thanks Jim!

 
At January 22, 2009 at 7:23 PM , Blogger Jim Pillsbury said...

Fantastic Defeated.. may I call you un defeated now? 6 bills is huge where I come from a month. Good for you guys. I was told yesterday of similar hurdles people have faced across the country.

What a freaking game they play, with our own tax dollars. So tell anyone and everyone you know about the program. I will write something up and submit it to the MWDN and hope they publish it.

Thanks again for good news

 
At January 23, 2009 at 10:27 AM , Blogger Barney said...

From yesterdays news I would say we have not seen the end of the corruption in the financial industry yet. What is to keep the funds for this program for being used to pay huge bonuses to these thieves? Is there any program in place to stop this type of behavior?

 
At January 23, 2009 at 11:14 AM , Blogger Worried 01701 said...

i rent and my landlord is being forclosed on. any ideas on what my options are? i am unemployed, but up to date on my rent, but who is going to rent with me since I have no job? will i get evicted when they foreclose on this house? meanwhile, the landlord is not fixing anything, water leaks, broken windows. any idea if i can do anything about this stuf?

 
At January 23, 2009 at 12:01 PM , Blogger Jim Pillsbury said...

Barney,

I'm as disgusted with the news yesterday as you are. I won't be surprised to read that common folk have taken over his property or worse. These greedy, unaccountable to anyone, not even the government who have given them tons of money, will hopefully in time be prosecuted.
It was reported a while back the Barney Frank and others wanted more oversight and accountability and I had thought they got what they wanted.. .but clearly, the CEO's are having their way. If we all weren't so dam lazy and tied into the very same corrupt systems, we'd all be picketing their homes and offices.
I can only hope, Obama will real this kind of fraud in and punish those who have violated the trust of people and the government, in this countries worst comic crises, perhaps ever.
Not much we can do but write to our reps in congress for now.

 
At January 23, 2009 at 12:07 PM , Blogger Jim Pillsbury said...

Worried,

Does the Landlord live in the house? If so, ask him if he knows about the program for forecloses on this page. I believe the bank has to give you notice of when to leave.. I'll check on that. If you have safety, heat, plumbing issue's and have documented proof that you have contacted the landlord and he has done nothing, then call your Town hall, start with building inspector and file a complaint.
I'd take any job you could at this point and try to find a roommate to share space with

 
At January 23, 2009 at 4:52 PM , Blogger Anderson said...

I vote for picketing their homes. And doing a few other things while we are there, maybe adding some nice color to their cars or their front shingles. I am partial to yellow myself.

 
At January 23, 2009 at 5:25 PM , Blogger Jerry G. said...

More of the same old rigmarole. When is this going to end? I am beginning to think it won’t end until the money is all gone, and in the pockets of about 1000 of these thieves, leaving the rest of us struggling. You are right, nothing we can do right now, but if there are enough of us really paying attention, there is surely something we can do come election time. This just can not continue.

 
At January 24, 2009 at 8:02 PM , Blogger new to blogging said...

Hey, you were right on Dimasi too! You psychic or just smart. Keep that information coming Jim!

 
At January 25, 2009 at 10:19 AM , Blogger Friend said...

Right on about Demasi. Let's hope you can forsee the same demise for the rest of those losers in the near future. We appreciate your insight Jim!

 
At January 25, 2009 at 2:16 PM , Blogger Edward said...

Demasi gone! That is worth a lot around here. Wasn't Richardson in his pocket? Now what will happen to our town, she is worthless, and the person she got in bed with is gone now too. What are the budget cuts going to be like now?

 
At January 26, 2009 at 9:37 AM , Blogger 6th Middlesex constituent said...

Like the new design Jim. I often look for information here that I know I read before, and having that list on the side makes it a lot easier to find those things. What is your take on Dimasi leaving and the effect, if any, it will have on Framingham? I sort of think Richardson had tied her horse to him, so does that leave her as a person tied to the wrong camp at the Hill? Or do you think this will be a better situation for all of us in spite of Richardson's bad choice on who to be in bed with? Only matters to me in the way it will impact us here in Framingham.

 
At January 26, 2009 at 10:35 AM , Anonymous Anonymous said...

Goody information from foreclosures, now about heat Rent but no money for heat No use oil a gas furnace and electric heater plugs Any help? No understand how to get the help you can help please?

 
At January 26, 2009 at 12:00 PM , Blogger Linda and George said...

Toll issues – what exactly is happening with this? I know they put off the vote until February, but is it a done deal that the Tolls are going to increase in February? Will these border Tolls prevent that from happening, or are they in addition to the Toll hike for the rest of us? And what about the gas tax, is that going to happen no matter what, or only if the Toll increase does not happen? No where is reporting this entire picture, you just see articles about one piece or another piece, never anything that tells us how they are all interconnected. Can you give us that insight Jim? By the waym we like the change to the layout here, makes it easier to find other topics to see what is going on, but I tend to put my comment of the most recent blog, even when it pertains to something from another entry. Hope that works for you.

 
At January 26, 2009 at 12:26 PM , Blogger Jim Pillsbury said...

Neighbors,

So... As much as I'd like to take any credit for knowing anything more than you do... I cannot. The hand writing was on the wall, this past year about DiMasi. Like Finneran and those before him, the blind loyality to criminal behavior, back room deals, corruption, and pay offs seems to be accepted by those who we have elected over and over again.

I can only hope Tom Stanley from Waltham will convince the House to postpone the vote on the new speaker. And that someone checks into the campaign contributions of any new leader and to make dam sure, there are no conflicts of interest.

Both candidates are attorneys, Deleo is an insider for sure, bad choice and Rogers is a newcomer sort of speak, but as far as I'm concerned, attorneys make poor leaders.

http://www.mass.gov/legis/member/jhr1.htm

http://www.mass.gov/legis/member/rad1.htm

Keep an eye out for this news, Sal waited for the raises to go through, before he resigned, so that his pension would be larger.

Our Reps supported Sal as many did, blindly and without any regard to what was good for the State and everyone in it.

Watch for Deval to get some traction now.

To think any of this web blog stuff was not in our reach just a few years ago... man I love technology.. and all it's advances. I just wish it was more intuitive to me.

 
At January 26, 2009 at 12:43 PM , Blogger Jim Pillsbury said...

Linda.. George,

I think Obama will give Deval the green light for tolls on the boarders, which Should be enough to stop any toll hikes for us on the Pike, for this year any way. Now that transponders are basically free, (notice who's against those free transponders.. one member of the Turnpike Board, who allegedly is on our side) the commuters who have had the free ride, will have little excuse to get one and start paying their fair share.

I'm afraid that there will be a gas tax increase to get some extra revenue in the State coffers and spur on road and highway repair. Although, it will be a modest increase, around 5 cents.

Now that Sal is leaving, perhaps a few things will begin to take shape and Deval will get some things done. (Sal and his loyalist's have been bad for the State, as the past three or 4 speakers have been. Deval's in deep trouble, with everyone, but as I see it, has to step up and make some hard choices and taking back the reps pay raise is one of those things that will make us all, believe in him. Look for a casino, and look for big cuts in spending for programs that don't work. Shared services, regional services and a elimination of the Turnpike Authority.

 
At January 26, 2009 at 1:53 PM , Blogger Fred J. said...

I heard the Board of Health is going to start charging for vacines that are now free. What’s up with that? If people can afford the vacination, they would not be going to the Health Department to get it for free, they would go to their family doctor. So now they won’t get vacinated at all, which impacts my kids who are in school with these unvacinated kids, so they get exposed to things and even though they have been vacinated, they are more at risk. Same for all of us who work with unvacinated people, or shop or worship where they do. I get the budget problems, but don’t we get those vacinations free from the state so that we can vacinate the people who don’t have the money to pay for them elsewhere? Can someone explain this to me?

 
At January 26, 2009 at 4:15 PM , Blogger Jim Pillsbury said...

Fred,

At the BOH meeting you speak of... the nurses were just pointing out, to the BOH, that they could charge a small handling fee... but as I saw it.. the BOH was not keen on the idea. They also learned that it would be a sliding scale situation, were as the people who could afford the charge would pay and the others who couldn't, not pay.

I really don't think the BOH would approve of such a measure, as far as I could see from that meeting.
Anyone else have any intell on this?

 
At January 26, 2009 at 4:33 PM , Blogger Harry said...

You cover a pretty broad range of topics here, and so far, all the information you are putting up here seems to be valid and worthwhile. This blog is sort of a clearing house for useful and helpful information we can’t find anywhere else. No offense to you, but why isn’t Richardson or Sanicanndro or Spilka giving us this information on their web sites? Framingham’s town site does have a bunch of stuff like this, but it is not so user friendly. Aren’t the elected officials at the state house obligated to keep us informed? And what’s the deal with Spilka? She is the Vice-Chair on the Senate Committee on Ethics, isn’t she? With all the unethical behavior going on at the State House, seems to me she is not doing a very good job. What are any of them doing for us here in Framingham?

 
At January 26, 2009 at 5:37 PM , Blogger Jim Pillsbury said...

Harry..none taken, just being neighborly

Why the elected elite do nothing on their web sites for the constituents who are having trouble.. is anyone's guess. Perhaps they feel that they don't need to... at this point, I could care less.

I live here.. and have for many years and I want to stay here.. because, of neighbors. And my neighbors as yours, deserve to have access to all pertinent information anyone can generate. It's all about being neighborly. We may disagree and debate, respectfully disagree, but we all want shelter, heat, food, job and freedom from a government that has created the greed and corruption that is jeopardizing our way of life. On this, we are all neighbors.

Clearly, our Reps, Fed and State, and the print media, all have access to the same stuff as us all, but we have no time to dig it out... so we stay ill informed... and that's the way they want it. If we knew half of what really goes on... we'd be marching in the streets, in sub zero weather.

For Framingham you ask? Pam supported Sal, who supported his and her raise. Karen is in a school near you.. being admired.

Pam submitted 27 Bills. Karen I'm sure has done her fair share also.

Stay tuned... we have lots to share

 
At January 27, 2009 at 8:13 PM , Blogger Jim Pillsbury said...

Here's a list of the FHA lending institutions here in the Framingham area. For those who's Bank's don't participate in the HOPE program.

http://www.fhaoutreach.gov/lender/lender.do;jsessionid=68B6EBD1D5678E53033E75B753D33540

 

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