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From the desk of NY State Senator Jack Martins: April 10, 2012

Help For Homeowners

It started out simple enough. Since taking office I’ve had a small but steady stream of constituents who seek help with various mortgage and foreclosure problems. I regularly connect them to appropriate state agencies and having heard back about a number of successful resolutions, I decided to host a local seminar for anyone experiencing similar issues. I invited the New York Attorney General’s (AG’s) Office, the state’s Department of Financial Services, and even some of the larger lenders.

I thought booking a large meeting room at the Elmont Library was overkill as we had only 25 constituents RSVP, but when I arrived that Saturday morning my jaw dropped. More than 420 people were waiting. Entire families were there, lined up against the walls, waiting in the hall, some even sitting on the floor between rows of chairs. My stomach sank as I looked into what I could see were desperate faces. Not knowing where to start with such a large crowd, we broke off at three tables: the AG’s office at one, financial services at another, and my staff at yet another. I canceled all my appointments that morning as I became absorbed in what was a sobering experience.

Let me start by confirming that with few exceptions, most were employed, hardworking couples, with fair to good credit, who were now inexplicably facing a mortgage crisis, or worse, foreclosure. As our offices interviewed, a recurring pattern of unfair lending practices became evident. Truthfully, it’s hard to believe how some lenders scam people with the same, well-worn techniques, time and again. The AG’s office left that day with 300 legitimate cases.          

For example, I met a well-employed Latino couple that spent years saving for a down payment and whose credit had been near perfect. They were now facing foreclosure because of astronomical mortgage payments. I asked how this happened given their fairly decent circumstances. It turns out their lender continuously promised to have a translator available to help with contracts but one never materialized. At their closing, the lender actually had the couple’s grade-school children translate for them!  Naturally, their contract was a sham and their mortgage rate eventually ballooned. Not only were they losing their home, but their credit rating was being destroyed. Like many immigrants, they spoke English but hardly understood contract legalese. The fact is the lender didn’t want anything translated and sadly, this happens all too often.  

We also heard numerous complaints from those who had applied for loan modifications. They came with all their paperwork in order and even produced signed, certified mail documentation as evidence it had been received. Yet repeatedly, these families waited for months on end without any response whatsoever. Written correspondence and phone calls were routinely ignored. One senior citizen even allowed me to listen to a disturbing, taped conversation with her lender in which her agent was downright disrespectful and dismissive.

I could go on but it wouldn’t be helpful. Instead, I want those facing these dire straits to know you don’t have to go it alone. Our state’s Attorney General’s office and our Department of Financial Services have attorneys who can, where appropriate, interface with lenders and facilitate fair resolutions. But you must take the first step so I encourage you to visit “Help for Homeowners” at www.dfs. ny.gov/consumer/mortg.htm and get informed. Then please remember that patience, persistence and preparation are key to sorting through these paper trails and keeping your piece of the American dream.

Instability in our housing market including foreclosures in our own communities actually affects us all. The sooner we are able to restructure our home loans to provide stable and predictable payments, the sooner we can take a huge step to climb out of this economic downturn. 

News

The Mineola School Board will hold a public hearing on the much-debated New York State veterans exemption on Thursday, Nov. 6 at 6:30 p.m. in the Willis Avenue School. It is expected the board will either approve or disapprove the tax exemption during its regular meeting at 7 p.m.

When votes go to the polls next week on Tuesday, Nov. 4 to vote on the Town of North Hempstead’s 2nd Council District seat, candidate Bonnie Parente feels her stance on the building department is what voters will remember when casting their choice. The 2nd council district post is currently held by Peter Zuckerman, a former East Hills trustee. He was appointed to the seat in January to replace Thomas Dwyer, who resigned last year.

 

“That’s the major issue I heard about when I knocked on doors,” she said. “No matter where I am, I could be at the Herricks Community Center or the Albertson Pasta Dinner and

predominately what people ask about is how to fix the building department.”


Sports

Samantha Pastore

Samantha Pastore, senior and third-year varsity player, is also co-captain of the currently undefeated (11-0) Mineola Girls Varsity Volleyball team. She is an outside hitter and is often recognized in games by starting rallies with her quick thinking and nimble feet. She earns 20 percent of the team’s points and averages four aces per match.

The Mineola Mustangs varsity football team fell to the Seaford Vikings last week 27-21, missing their chance to tie the top seeds Locust Valley and Roosevelt’s 6-1 Nassau conference IV record.

 

After tying the game in the second half and having the opportunity to capitalize on Seaford’s failed extra-point kick on their final touchdown, the Viking’s senior wide receiver/defensive back Bobby Buell knocked away a pass from Mineola senior quarterback James Gerstner to senior wide receiver Brian Smith in the end-zone with 57 seconds left


Calendar

International Night - October 30

Halloween Parade - October 31

Cultural Arts Series - November 1 


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