DCPLive is a blog by library staff at the DeKalb County Public Library!


Apr 6 2009

Avoiding Foreclosure

by Amanda L


I blogged several months ago about the resources that the Library has and other sources available for those having trouble paying their mortgage. This blog entry is still helpful to those that have missed payments or have had their mortgage company begin the first step towards foreclosure.

There is now new help available through the Federal Government’s Homeowner Affordability and Stability Plan that might be helpful to those folks who have mortgages ballooning or have lost all or part of their income. The first question to ask: do I qualify for this new help? To see if you might be eligible, check out the Making Home Affordable website created by the Federal Government.

The website lists two ways that the Plan might be able to help you. The first is refinancing your home. The second is what they call modification. This site helps with a Frequently Asked Questions page to determine which type of help might fit your situation.  It also has a couple of questionnaires that you can fill out to determine if you might qualify for help.

The Making Home Affordable website  lists additional resources that might be helpful if you are trying to keep your house and avoid foreclosure. In the future, the site will list the mortgage companies and banks that will be participating in this program.  It links currently to the Hope Now Alliance website.  This site  lists many of the mortgage providers’  mitigation websites.  Hopefully, this information can help, you or someone you know, have a place to start the process to keep their house.


Feb 23 2009

In Tough Times…

by Amanda L

I volunteer with an organization that helps people over a tight spot with utilities and rent. Lately, we have seen many people who are having a hard time holding on to their mortgage or are just a few steps away from losing their house.

Here at DCPL, we try to anticipate the needs of our community. Last year, we began a section on our website called Subject Guides. This section contains lists of resources pertaining to subjects that many people in the community have asked about.

The most recent guide is on foreclosures. Under each listed resource–whether it be electronic, internet or print–there is a description of the type of information provided. Most of the weblinks provided on this list are to agencies that might help you or someone you know that is facing foreclosure.

Some of the books we have that you might find helpful are:

Fight Foreclosure:

This book explores options and alternatives available to you when you can’t make your monthly mortgage payment but want to avoid foreclosure. The author explains the pre-foreclosure process, using real life examples of families faced with foreclosure, their choices, and the steps/missteps taken.

Foreclosure Self-Defense for Dummies

This practical, no-nonsense guide helps you size up your options and increase your chances of saving your home. You’ll find out how to delay foreclosure, form a plan of attack, negotiate solutions with your lender, and restore your financial health.

Foreclosure Survival Guide

If you’re having trouble making your mortgage payments or are already in jeopardy of foreclosure, The Foreclosure Survival Guide gives you the practical information you need, step by step.

I hope that you find this list and many of the other subjects under the subject guides helpful. We are always looking for subjects that might be helpful to our community. If you have any suggestions please feel free to comment and we will see if we can create a list that would be helpful.


Jan 12 2009

Help, I want to improve my house!

by Amanda L

Every New Year my husband and I look around the house deciding if we want to make any improvements or if we have maintenance issues that we need to tackle. We built our own house over twelve years ago and have performed much of the maintenance and improvements ourselves. I always use the Library’s resources to see what they can help us with. In fact, we have used many books at the Decatur Library to help us build our house. With the housing market in a down turn, many people are looking for ways to improve their house either to stay or to help sell it faster. The Library has a variety of home improvement books available. Here is a sampling of books that might be useful for those, like me, wanting to improve their house.

DIY guide to appliances

The essential guide for first-time homeowners: maximize your investment & enjoy your new home

Ultimate guide to wiring: complete home projects

Home makeovers that sell: quick and easy ways to get the highest possible price

The complete photo guide to home repair

House transformed: getting the home you want — with the house you have

Universal design for home

Stanley complete flooring