Real Estate Latino (Bill Arce)

Hola Noticias

Jacksonville. Florida es el segundo estado del país con mayor número de remates de vivienda (foreclosure) y Jacksonville es una de las ciudades más afectadas en todo el estado.
Según la compañía RealtyTrac, durante el mes de junio, una de cada 366 casas estaban en foreclosure en Jacksonville; durante ese mes entraron en proceso de remate unas 1.036 viviendas.

Esta problemática ha obligado a los gobiernos locales a implementar programas de ayuda dirigidos a familias que están a punto de perder sus casas.

En la ciudad de Jacksonville, la Alcaldía aprobó recientemente la Iniciativa de Intervención en Foreclosure y Educación Financiera (The Foreclosure Intervention & Financial Education Network Initiative). Se trata de un programa de ayuda económica y asesoría para los residentes de la ciudad que estén en problemas para pagar sus préstamos de vivienda.

"Es un servicio gratuito para aquellos que estén en el proceso de perder sus casas, que necesiten ayuda para reajustar su presupuesto, que necesiten ayuda para eliminar las llamadas telefónicas de los acreedores, que quieran establecer y mantener un buen crédito, que busquen comprar una casa o simplemente quieran educarse respecto al tema", explica Dayatra M. Coles, Directora de Servicios de Vivienda de la Alcaldía de Jacksonville.

La Ciudad dice que muy pocos hispanos están pidiendo esta ayuda y esperan que más personas de la comunidad se beneficien.

Cómo funciona

Para acceder a este programa, primero, usted necesita llamar al 630-CITY (2489), cuando le contesten pregunte por un re-presentante que hable español. Dígale a este representante que usted desea más información sobre el programa Foreclosure Intervention & Financial Education Network Initiative. Esta persona le hará una serie de preguntas que servirán para elaborar un referido.

Posteriormente, William Arce, especialista financiero de vivienda de la Alcaldía, se comunicará con usted para concretar una cita y empezar a trabajar en su caso.

"No tengan miedo de enfrentar el foreclosure. Mientras más rápido usted reaccione, más rápido usted saldrá del problema", sostiene Arce, de origen cubano, quien asesora a los hispanos en español.

Una vez que se realiza la evaluación del caso, el consejero determina para qué tipo de ayuda califica cada persona.

"Los dueños de casa -no inversionistas- pueden calificar a una ayuda de hasta cinco mil dólares, los cuales pueden utilizarse para cancelar los meses en mora y/o gastos legales, o también para los costos de una refinanciación, si se necesitara", menciona Dayatra Coles.

Este proyecto, el cual recibe ayuda estatal y federal, también provee consejería, recuperación de deuda, asistencia y educación financiera.

"No somos un programa que sólo se limita a dar dinero al que necesite, sino que educa al dueño de casa para que no vuelva a caer en lo mismo en el futuro. Nuestra ayuda es a largo plazo", acota Coles.
A su vez, esta iniciativa cuenta con el apoyo de Family Foundation, una organización sin fines de lucro, que se encarga de proveer una consejería de calidad.

El foreclosure afecta a todos

El foreclosure es un problema que no sólo afecta a los dueños de casa, sino también afecta a la comunidad entera.

"Son muchos los problemas sociales y económicos que el foreclosure puede acarrear. Entre ellos están los graves daños al crédito del dueño de casa; por otro lado, los niños, al no tener una casa, perderán la escuela a la que asisten regularmente, a sus amigos, su ambiente; el vecindario se afecta pues la casas pierden valor; afecta al gobierno porque deja de percibir menos impuestos, y una casa abandonada, atrae a la delincuencia", explica Dayatra Coles.

De ahí el interés de la Ciudad de promover este programa para prevenir que más familias pierdan sus hogares.

Este programa de ayuda pertenece al Departamento de la Vivienda de la Ciudad de Jacksonville, el cual tiene otros proyectos de interés comunitario como Head-Start, que ofrece ayuda financiera a primeros compradores; así como también un programa de préstamos hipotecarios de la ciudad con un interés ajustable y asistencia en los pagos.

"Este programa se diferencia de otros porque además de ofrecer una ayuda financiera, brinda consejería y asesoramiento a aquellos que no quieren perder sus casas o simplemente aquellos que quieren prevenir estar en ese proceso engorroso. Queremos que todos llamen para saber a quién podemos ayudar y qué tipo de ayuda les podemos ofrecer", finaliza Dayatra M. Coles.

Fabian Bedne, Middle Tennessee Hispanic Democratic Party Chairman, will be the guest speaker at a House Party for Barack Obama on Tuesday, October 7, 2008 at the Montgomery County Democratic Party Headquarters, 534 Madison St., Clarksville, TN, starting at 6:00 p.m.

Fabian Bedne has been featured various times in news print, television and recently spoke to Latino Democrats from around the country as an Obama delegate to the Democratic National Convention.

His community and professional roles include: board member of Habitat for Humanity, founding member of the Middle Tennessee Chapter of the National Association of Hispanic Real Estate Professionals, President of the Tennessee Hispanic Voters Coalition PAC, founding member and President of the Middle Tennessee Hispanic Democrats, candidate for Metro Council, and member of the Executive Committee of the Davidson County Democratic Party. Mr. Bedne is also a founding member of Metro schools Comit de Padres Latinos (COPLA) [Committee of Latino Parents], member of the Community Relations Committee of the Nashville Jewish Federation, and Member of the Tennessee Delegate Selection Plan Committee of the Tennessee Democratic Party.
Mr. Bedne has also mentored students in the YMCA Hispanic Achievers program.

We encourage all to attend this event and fellowship with our Latino Obama supporters, whose votes are very vital to the outcome of this election.

Contact person for this release:
Terry McMoore
931-378-1999
Email: terrymcmoore@hotmail.com

MYTH #1: Hispanics aren't online.

FACTS:

•- Over 20 million of US Hispanics are online today (nearly 50% of US Hispanic population).

•- There are more than 100 million Spanish-speaking Internet users online worldwide.

•- Major advertisers will spend $132 million in online advertising targeting Hispanics in 2007 (up 32% from last year).

MYTH #2: Hispanics are a niche market.

FACTS:

•- Hispanics represent a large, underserved population for online marketers.

•- The Hispanic population in the US is projected to grow 188% during 2000-2050.

•- The buying power of US Hispanics will reach $1 trillion in 2008.

MYTH #3: The demographics of Hispanics aren't attractive to mainstream advertisers.

FACTS:

•- In 2006, 63% of US Hispanics were under 35 years old (compared to 45% of non-Hispanic population).

•- In 2006, Hispanics' time spent online grew by 34%; total page views by 49%.

•- 60% of Hispanics have broadband access (up from 24% in 2000 and 36% in 2002).

•- Online Hispanics are more likely to earn more, own a home and be more educated than their offline counterparts.

MYTH #4: To reach Hispanics, all you have to do is translate an ad into Spanish and advertise on one of the large Spanish-language sites.

FACTS:

•- While 65% of U.S. Hispanics say they get more info about a product when it's advertised in Spanish, the Spanish language is not the sole defining characteristic of Hispanics - only 1/3 of population has a Spanish-dominant language preference.

•- The Hispanic online market is large and complex and a one-size-fits-all marketing approach does not deliver optimal results.

•- There is a tremendous "long tail" opportunity with hundreds of smaller, high-quality publishers that reach millions of Hispanic consumers every day.

Sources: AOL/Roper ASW Hispanic Cyberstudy 2006; Comscore Media Metrix, Forrester Research; Nielsen; Consorte Media

Dear Friend,

I will be voting "no" today on the Wall Street Bailout bill. American taxpayers should not have to foot the bill for the irresponsible behavior of Wall Street executives. The average citizen is forced to play by the rules, yet many who did not now get a massive bailout from taxpayers in this plan. This is fundamentally unfair. By bailing out reckless behavior we encourage future reckless behavior.

Although the legislation is an improvement over the initial Paulson proposal, I could not support a massive bailout for Wall Street firms that does too little to help homeowners stay in their homes and is totally paid for by the American taxpayer, not Wall Street.

I strongly supported the inclusion of Section 102 in the bill, in order for the Federal government to provide insurance to guarantee troubled assets held by financial institutions. But this insurance program needs to be mandatory, not voluntary as in this bill, and it should be our first option, before we commit hundreds of billions of the taxpayers' dollars. By requiring mandatory government insurance we could greatly reduce the cost to the taxpayer.

The principles that guided my decision are:

· Wall Street, Not Taxpayers should fund Wall Street's recovery.

· Private Capital, Not Unlimited Tax Dollars should be injected into financial markets.

· Immediate Transparency, Oversight and Market Reform are needed."

Cordially,

Lincoln Diaz-Balart

It was to my surprise when I learn of Michelle Malkin a FOX News contributor when said on TV today, that she uncovered "one giant paternal elephant in the room that has slipped notice": illegal immigration, crime-enabling banks and open-borders Bush policies fueled the mortgage crisis. She blame much of the current mortgage crisis to Latino home buyers. specially the undocumented one. She conitnues on by mentioning some foreclosure statics on cities where Latinos are majorities.

What she fail to mention on her blog is the fact that undocumented Latino homeowners default rates are much lower that the documented one. That Latino homeowners take pride on homeownership and what it means for their families. She even mistakly try to translate what it seam an advertisment scrip "Sin verificacion de ingresos! Sin verificacion de documento! which loosely translates as, 'Income tax forms are not required, nor are immigration papers." Well that was very loosely translation if you ask me, being a proud Latino real estate broker and a loan officer, I can tell you that what this ad is nothing less that a NINA advertisment (No Income No Assest Loan).

I will stop here as this blog is really getting me upset and frustated that a inmigrant like person has so poor opinion on inmigrant after all that we have done to build this great country, and I am not only talking about Latinos but the people that entered this country thur Ellis Island in the 1900s.

Saludos,

Bill Arce

www.realestatelatino.com