Avoiding Foreclosure/U. S. Department of Housing and Urban Development (HUD)Avoiding Foreclosure. The Obama Administration has implemented a number of programs to assist homeowners who are at risk of foreclosure and otherwise struggling with their monthly mortgage payments. The majority of these programs are administered through the U. S. Treasury Department and HUD. This page provides a summary of these various programs. Please continue reading in order to determine which program can best assist you. Please read FHA's brochure, . And for those homeowners for whom homeownership is no longer affordable or desirable, the program can provide a way out which avoids foreclosure. Additionally, in an effort to be responsive to the needs of today's homeowners, there are also options for unemployed homeowners and homeowners who owe more than their homes are worth. Mortgage Sales Training Program. Details: Come Home to Paramount Equity! 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To learn more about the HAFA Program and the program rules and process that CitiMortgage follows. Please read the following program summaries to determine which program options may be best suited for your particular circumstances. Modify or Refinance Your Loan for Lower Payments. Home Affordable Modification Program (HAMP): HAMP lowers your monthly mortgage payment to 3. The typical HAMP modification results in a 4. Eighteen percent of HAMP homeowners reduce their payments by $1,0. Click Here for more information. Principal Reduction Alternative (PRA): PRA was designed to help homeowners whose homes are worth significantly less than they owe by encouraging servicers and investors to reduce the amount you owe on your home. Click Here for more information. Likewise, If you have a home equity loan, HELOC, or some other second lien that is making it difficult for you to keep up with your mortgage payments, learn more about this MHA program. Click Here for more information. Home Affordable Refinance Program (HARP): If you are current on your mortgage and have been unable to obtain a traditional refinance because the value of your home has declined, you may be eligible to refinance through HARP. HARP is designed to help you refinance into a new affordable, more stable mortgage. Click Here for more information.“Underwater” Mortgages. In today's housing market, many homeowners have experienced a decrease in their home's value. Learn about these MHA programs to address this concern for homeowners. Home Affordable Refinance Program (HARP): If you are current on your mortgage and have been unable to obtain a traditional refinance because the value of your home has declined, you may be eligible to refinance through HARP. HARP is designed to help you refinance into a new affordable, more stable mortgage. Click Here for more information. Principal Reduction Alternative: PRA was designed to help homeowners whose homes are worth significantly less than they owe by encouraging servicers and investors to reduce the amount you owe on your home. Click Here for more information. If the servicer of your second mortgage agrees to participate, the total amount of your mortgage debt after the refinance cannot exceed 1. Click Here for more information. Assistance for Unemployed Homeowners. Home Affordable Unemployment Program (UP): If you are having a tough time making your mortgage payments because you are unemployed, you may be eligible for UP. UP provides a temporary reduction or suspension of mortgage payments for at least twelve months while you seek re- employment. Click Here for more information. Emergency Homeowners’ Loan Program (EHLP): Click Here for more information about EHLP assistance provided in your state. FHA Special Forbearance: If you are having difficulty making mortgage payments because you are unemployed and have no other sources of income, you may be eligible for FHA's Special Forbearance. Click Here for more information. Managed Exit for Borrowers. Home Affordable Foreclosure Alternatives (HAFA): If your mortgage payment is unaffordable and you are interested in transitioning to more affordable housing, you may be eligible for a short sale or deed- in- lieu of foreclosure through HAFA SM. Click Here for more information.“Redemption”is a period after your home has already been sold at a foreclosure sale when you can still reclaim your home. You will need to pay the outstanding mortgage balance and all costs incurred during the foreclosure process. Contact Your Lender. If you are experiencing difficulties making your mortgage payments, you are encouraged to contact your lender or loan servicer directly to inquire about foreclosure prevention options that are available. If you are experiencing difficulty communicating with your mortgage lender or servicer about your need for mortgage relief, there are organizations that can help by contacting lenders and servicers on your behalf. Department of Housing and Urban Development (HUD), is working aggressively to halt and reverse the losses represented by foreclosure. Through its National Servicing Center (NSC), FHA offers a number of various loss mitigation programs and informational resources to assist FHA- insured homeowners and home equity conversion mortgage (HECM) borrowers facing financial hardship or unemployment and whose mortgage is either in default or at risk of default. Click Here to log onto the NSC Loss Mitigation Programs home page. Click Here for answers to Frequently Asked Questions about FHA’s loss mitigation programs. Contact FHAFHA staff are available to help answer your questions and assist you to better understand your options as an FHA borrower under these loss mitigation programs. There are several ways you can contact FHA for more information, including: Call the National Servicing Center at (8. Call the FHA Outreach Center at (8. CALL FHA (8. 00- 2. Persons with hearing or speech impairments may access this number via TTY by calling the Federal Information Relay Service at (8. Email the FHA Resource Center. The Online FHA Resource Center.
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As a Bear, red beads are presented for each three Bear achievements earned. After he gets his fourth red bead, he will receive his Bear badge at a pack meeting. Cub Scouts may continue to wear this emblem after ranks are earned until they become Webelos Scouts. It is worn on the right shirt pocket. Gold and Silver Arrow Points (Discontinued)A Wolf or Bear Cub Scout can pick any requirement he likes from the electives and do it. When he has completed ten elective requirements, he has earned his first Arrow Point - a gold one. Only one gold arrow point may be earned during the Wolf year, and one during the Bear year. Under his Wolf or Bear badge, he may wear as many Silver Arrow Points as he earns. They are worn in rows of two below, centered, and touching the Gold Arrow Point or previously earned Silver Arrow Points for each rank. Webelos Badge. Is for boys who have completed third grade, or who are ten years old. The Webelos rank is the first step in a boy's transition towards a Boy Scout troop. It is worn centered on the left pocket. Webelos Activity Badges (Discontinued)Webelos activity badges are sorted into five discipline- related groups. They are the Community Group, the Mental Skills Group, the Outdoor Group, the Physical Skills Group, and the Technology Group. Activity Badges can be displayed on the front of the Webelos cap or on the Webelos Colors. The Webelos Colors are worn on the right sleeve immediately below the US Flag. Compass Point Emblem and Compass Points (Discontinued)After you have earned the Webelos badge, you can earn the compass points emblem. It is awarded after you earn seven activity badges: four more in addition to the three you earned for the Webelos badge. Wear your compass points emblem attached to the button on the right pocket of your Webelos uniform shirt. After you earn the compass points emblem, you'll receive a metal compass point for each four additional activity badges you earn. Pin these compass points on the emblem in the . This is the highest award a Cub Scout can earn, and is the only Cub Scout badge that can be worn on the Boy Scout Uniform. It is worn centered below left pocket. World Crest. This patch is worn by all Scouts and Leaders to signify membership of our program in the World Scouting Movement. This patch shows our brotherhood with millions of Scouts around the world. This patch is worn centered above the left pocket in the middle between the top of the pocket and the shoulder seam. Square Knot Insignia. The square knot device is displayed on the uniform to denote that the wearer has received the corresponding award. The award is usually in the form of a certificate and many awards also include a medallion or other memento. The Universal Youth Religious Emblem (shown left) may be worn by any Scout or Scouter that completed a religious emblem program as a youth member. All Scouts and Scouters who received a religious emblem in their youth may wear the universal youth religious emblem square knot centered above the left uniform pocket flap, if it is the only knot. For more information on the Square Knot Insignia, Click Here. World Conservation Badge. The Cub Scout version of the badge consists of a giant panda on violet Scout trefoil, violet trim, gold background. This award can be earned only once while you are a Cub Scout. Cub Scout Outdoor Activity Award / National Summertime Award Pin. Tiger Cubs, Wolf and Bear Cub Scouts, and Webelos Scouts have the opportunity to earn the Cub Scout Outdoor Activity Award. Boys may earn the award in each of the program years as long as the requirements are completed each year. The first time the award is earned, the boy will receive the pocket flap award, which is to be worn on the right pocket flap of the uniform shirt. Each successive time the award is earned, a wolf track pin may be added to the flap. If your den has earned the National Summertime Award, you may wear the pin on the Outdoor Activity Award patch. Service Stars. Gold metallic numbered star worn with colored background to indicate years of service in Scouting. Adult leaders wear a service star with a light blue background to indicate years of service as an adult leader in the Scouting program. Adults who were members as youth may wear multiple stars with different backings (orange for Tiger Cubs, gold for Cub Scouts, green for Boy Scouts, red for Explorers, brown for Varsity) or may combine all BSA tenure in a single star with a blue background. 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Greetings, Summoners, Welcome to patch 6.15, the one with our first mention of Worlds (man, where has. The Candy Corn vendors found in Lion’s Arch have been updated with new items. There is a new Shadow of the Mad King meta- event, and there are new daily achievements. NEW FEATURES AND CONTENTAdventures. Adventures are repeatable, single- player challenges with leaderboards. Compete against your friends and guildmates for bragging rights. Check out https: //www. Defiance. The defiance effect has been replaced with the defiance bar. Creatures that previously used the defiance effect will now have the defiance bar. Control- type attacks will now decrease the defiance bar and stun the enemy once the bar is depleted. Revenant. The revenant is the ninth profession for Guild Wars 2 and is added for all players who own Heart of Thorns. Revenants are heavily armored masters of the Mists with abilities that allow them to harness and manipulate energy in order to perform immense attacks. They invoke powers from legends of the past to dominate foes and unleash chaos on the field of battle. Revenants utilize a new resource (energy), which is their connection to the currently invoked legend. Energy is used to fuel all of their skills. Skills. Legendary Assassin Stance Skills: Enchanted Daggers: Summon enchanted daggers that will attack as you attack, siphoning life from targets hit. Riposting Shadows: Evade back quickly through the Mists, removing debilitating conditions. Phase Traversal: Step through the Mists to your target. Your next few attacks can’t be blocked. Impossible Odds: Empower yourself with Shiro’s speed and quickness to quickly take out enemies. Heal more for each condition currently applied to you. Pain Absorption: Grant resistance to yourself and nearby allies. Absorb conditions from those allies, gaining additional resistance per condition. Banish Enchantment: Deal damage, apply confusion, and remove boons from your foe. Unyielding Anguish: Leap toward the targeted area, creating a demonic field that torments and chills foes. Embrace the Darkness: Summon the power of the legendary demon to transform into a powerful avatar. Increase all attributes, and pulse torment to nearby foes. Gain retaliation for each condition removed. Inspiring Reinforcement: Create a stone road that damages and weakens foes as it’s created. Once it’s created, it will pulse, granting stability to allies. Forced Engagement: Launch a chain at your target. When the chain connects with a foe, it slows and taunts them. Vengeful Hammers: Invoke hammers to circle around you, damaging foes. The tablet will heal allies near it every few seconds. The tablet will disappear if you move outside the tether distance. As the tablet moves, it will heal allies it passes through. Protective Solace: Summon a protective barrier around the tablet that destroys enemy projectiles. After a short delay, the energy will be released, healing nearby allies. Purifying Essence: Remove conditions from allies near the tablet, and heal them for a small amount per condition removed. Energy Expulsion: Force energy to erupt from the tablet, knocking back nearby foes and leaving behind energy fragments that heal allies. Sword (Main- Hand) Skills: Preparation Thrust: Stab your foe with your sword, inflicting vulnerability. Gain might each time you damage a foe. Sword (Off- Hand) Skills: Duelist’s Preparation: Assume a defensive stance, blocking incoming attacks. Shadowstep backward and pull them toward you. Mace (Main- Hand) Skills: Misery Swipe: Swing your mace at your foe. Each attack area is a blast finisher. Axe (Off- Hand) Skills: Frigid Blitz: Hurl your axe at your target, damaging and chilling the foes the axe passes through. When the axe reaches your target, shadowstep to it and deliver a large blow. Temporal Rift: Slice into the Mists, creating an unstable rift. 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Harpoon Skills: Spear of Anguish: Throw a mist spear toward your foe. Inflict increasing durations of torment the farther away your foe is from you. Rapid Assault: Rapidly strike foes in front of you, inflicting vulnerability. Venomous Sphere: Launch a sphere outward from the Mists. The sphere will attack nearby foes as it travels, poisoning them. Upon impact, damage your foe and connect to them through the Mists. While the connection is active, it will apply burning. After a short delay, these rifts will create a barrier from the Mists, preventing foes from crossing. Specializations. Devastation. Minor: Mutilate Defenses: Striking a foe gives you a chance to apply vulnerability. Targeted Destruction: Deal increased damage to targets with vulnerability. Focused Siphoning: When you strike foes that have vulnerability, siphon life from them. Adept Tier: Ferocious Strikes: Gain increased ferocity while dual- wielding weapons. Vicious Lacerations: When you attack while wielding a sword, gain a stack of vicious laceration. This can be stacked up to five times. Malicious Reprisal: When one of your attacks is blocked, your next attacks will be unblockable. Master Tier: Jade Echo: Use Jade Winds when you are downed. Deal increased damage while downed. Poison lasts longer. Master Tier: Bolstered Anguish: Increased damage for every condition currently on you. Frigid Precision: Chance to chill your foe when you land a critical hit. Spontaneous Destruction: Use Banish Enchantment when striking a foe that has boons equal to or greater than the threshold. This bonus is reset when you land a critical hit. Pulsating Pestilence: Chance when struck to copy all conditions currently on you to nearby foes for a few seconds. Retribution. Minor: Enduring Recovery: Chance when struck to gain endurance. Unwavering Avoidance: Gain stability after you dodge. Determined Resolution: Take reduced damage below the health threshold. Adept Tier: Planar Protection: Create a field of the Mists when you take damage from falling. Take less damage from falling. Taunt has an increased duration when applied to nonplayer characters. Master Tier: Eye for an Eye: When disabled by a foe with stun, daze, knockback, pull, knockdown, taunt, float, fear, launch, or sink, taunt that foe for a short duration and gain protection. Retaliatory Evasion: Gain retaliation after you dodge. Dwarven Battle Training: Chance on hit to apply weakness to your foe. Incoming weakness applied to you has decreased effectiveness. Grandmaster Tier: Empowering Vengeance: Gain might when struck while under the effects of retaliation. Versed in Stone: Chance when struck to use Rite of the Great Dwarf. Rite of the Great Dwarf also reduces incoming condition damage. While your energy is below the threshold, incoming damage to you is reduced. Elite Specializations. Elite specializations are a new way to advance your profession if you own Heart of Thorns. 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