Anton Community Newspapers  •  132 East 2nd Street  •  Mineola, NY 11501  •  Phone: 516-747-8282  •  FAX: 516-742-5867
Attention: open in a new window. PDFPrintE-mail

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

Bank Robbery Suspects Arrested

Nassau County Robbery Squad detectives arrested two men in connection with a bank robbery that occurred on April 7 at 2:17 p.m. in Mineola.

Road improvement and storm preparation dominated the discussion of the Village of Mineola’s preliminary 2014-15 budget released last week. The proposed budget totals $19.33 million, a 1.38 percent increase from last year.

The tentative budget also represents a .34 percent tax increase from last year, when Mineola’s tax bump was .74 percent.

 

The village has budgeted almost $1 million for road and curb upgrades, Mayor Scott Strauss estimated. The road maintenance line in the budget received an $80,000 to increase to $580,000.


Sports

FC Mineola Wins Two

The BU10 FC Mineola opened league play with 3-0 win over the Hewlett Lawrence Blue Sonic on April 3. Mineola was led by Liam Going (two goals and an assist). The first goal came off a beautiful cross from Liam Russelman that Going sent to the back of the net.  Fifteen minutes later the Liam to Liam connection struck again when Russelman found Going open at the top of the box for another shot and score by the talented Mineola player.

 

Mineola’s final goal came midway through the second half as Gregory Kenney redirected a good cross past the Hewlett goalie. The back line of Peter Murphy, Luke Sommese and Brent Muessig controlled the defensive end of the field limiting the number of shots Hewlett took on goal and the few that made it through were gobbled up by keeper Andrew Pizzardi. Brian Heckelman, Phil Macchietto and James Teadore all contributed with stellar play at the midfield position.

Marissa Cotroneo

Senior Captain Marissa Cotroneo excelled at the Paul Limmer Invitation on Saturday, April 5, held at Mepham High School.  Cotroneo placed first overall in the 1500 meters in one of the most exciting, come from behind victories of the season.


Calendar

Village Meeting - April 16

Zoning Board Meeting - April 17

Egg Hunts and Fun Fairs - April 19


Columns

1959: The Year The Music Stopped Playing
Written by Michael A. Miller, mmillercolumn@gmail.com

The Eccentric Heiress Of ‘Empty Mansions’
Written by Mike Barry, MFBarry@optonline.net

Yellow Margarine And A Pitch For The Ages
Written by Michael A. Miller, mmillercolumn@gmail.com