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Newsletter
Newsletter
Fear of Foreclosure!
Do not pay Dr bills or credit card debt ahead of the mortgage. Keep mortgage payments
current if possible.
Negotiate with the lender to restructure your mortgage. If the loan is guaranteed by a
federal or state agency, the lender may be required to grant assistance, or provide other
options to avoid foreclosure.
Sell the house before it goes into foreclosure. If your mortgage is higher than the homes
market value, you may be able to persuade the lender to allow you to sell it for less and
forgive the rest of the debt.
If you're about to loose your home, filing for bankruptcy can stop the foreclosure process
and allow you more time to try to work out a plan to keep the home. Get legal advice from
an attorney specializing in bankruptcy.
current if possible.
Negotiate with the lender to restructure your mortgage. If the loan is guaranteed by a
federal or state agency, the lender may be required to grant assistance, or provide other
options to avoid foreclosure.
Sell the house before it goes into foreclosure. If your mortgage is higher than the homes
market value, you may be able to persuade the lender to allow you to sell it for less and
forgive the rest of the debt.
If you're about to loose your home, filing for bankruptcy can stop the foreclosure process
and allow you more time to try to work out a plan to keep the home. Get legal advice from
an attorney specializing in bankruptcy.
Where to go for
HELP
Institute for Foreclosure Legal Assistance.
Offers links to newly funded legal services
programs, including AAPR's Legal Counsel for
the Elderly
US Department of Housing and Urban
Development.
Offers a list of HUD approved national and
regional housing counseling agencies. To
contact a housing counseling agency. Call
1-800-569-4287
NeighborWorks America
Nonprofit community based revitalization
program that offers foreclosure counseling
programs listed by state or zip code.
202-220-2300
National Community Reinvestment Coalition.
Nonprofit membership organization that helps
underserved communities. 202-628-8866.
Mortgage Bankers Association.
New website offers consumer information and
links to resources. GO TO
www.home.loanlearningcenter.com. then click
on "Foreclosure Prevention Resource Center."
HELP
Institute for Foreclosure Legal Assistance.
Offers links to newly funded legal services
programs, including AAPR's Legal Counsel for
the Elderly
US Department of Housing and Urban
Development.
Offers a list of HUD approved national and
regional housing counseling agencies. To
contact a housing counseling agency. Call
1-800-569-4287
NeighborWorks America
Nonprofit community based revitalization
program that offers foreclosure counseling
programs listed by state or zip code.
202-220-2300
National Community Reinvestment Coalition.
Nonprofit membership organization that helps
underserved communities. 202-628-8866.
Mortgage Bankers Association.
New website offers consumer information and
links to resources. GO TO
www.home.loanlearningcenter.com. then click
on "Foreclosure Prevention Resource Center."
| Rhubarb Spice Cake |
Ingredients
2 cups whole wheat flour
2 tablespoons flax seed meal (optional)
1 cup sugar
1 teaspoon salt
1 1/2 teaspoons baking powder
3/4 teaspoon baking soda
1/2 cup buttermilk
1/2 cup shortening
2 egg
1 teaspoon vanilla
1 cup rhubarb sauce (see below)
4 cups chopped rhubarb
1/4 cup water
1/2 cup sugar
To make rhubarb sauce, place about 4 cups
chopped rhubarb in a saucepan with 1/4 cup
water and 1/2 cup sugar. Bring to boil, then
simmer until cooked down to an applesauce
consistency. Let cool.
In a large bowl, combine all dry ingredients.
Add remaining ingredients. Mix on low speed
until all ingredients are blended, then mix on
medium speed for 3 minutes.
Pour batter into greased and floured 8x11
pan (or two 8 inch round pans).
Bake in 350 oven for 35-40 minutes (5-10
minutes less for round pans).
Let cool in pan for 10 minutes, then remove
to racks and let cool completely.
If desired, frost with cream cheese frosting or
whipped cream.
2 cups whole wheat flour
2 tablespoons flax seed meal (optional)
1 cup sugar
1 teaspoon salt
1 1/2 teaspoons baking powder
3/4 teaspoon baking soda
1/2 cup buttermilk
1/2 cup shortening
2 egg
1 teaspoon vanilla
1 cup rhubarb sauce (see below)
4 cups chopped rhubarb
1/4 cup water
1/2 cup sugar
To make rhubarb sauce, place about 4 cups
chopped rhubarb in a saucepan with 1/4 cup
water and 1/2 cup sugar. Bring to boil, then
simmer until cooked down to an applesauce
consistency. Let cool.
In a large bowl, combine all dry ingredients.
Add remaining ingredients. Mix on low speed
until all ingredients are blended, then mix on
medium speed for 3 minutes.
Pour batter into greased and floured 8x11
pan (or two 8 inch round pans).
Bake in 350 oven for 35-40 minutes (5-10
minutes less for round pans).
Let cool in pan for 10 minutes, then remove
to racks and let cool completely.
If desired, frost with cream cheese frosting or
whipped cream.
2th Quarter 2008
