LETTERS TO THE EDITOR/TRIBAL PROGRAM NEWS
To the editor:
This is a special “thank you’’ to all
the wonderful people who stepped
forward to help my granddaughter,
Taylor Pettit, and children, whose home
burned completely down in the early
morning hours of Feb. 12, incidentally
her birthday. The family resided near
Devils Lake in Lincoln City.
The first ones on the scene, Dino
Butler and wife Juanita Whitebear, took
them into their home, gave them clothes
and shoes, and had a huge breakfast
ready for all of them.
Also, the firemen from Lincoln
City and the police department, the Red
Cross of America brought blankets and
plenty of hope.
I would also like to thank each of
the area offices that collected much-
needed household items. Thanks to Mona
Fisher for getting this project organized.
Beverly Youngman, my daughter,
who is Taylor’s mother and grand
mother to Camden, Tieman, and Rowan.
We also want to thank Auntie Babe
for keeping Taylor, Rowan, and
Camden when he was sick. Shannon
and Karrie Hatch for keeping Tiernan.
It’s wonderful to have a warm and
loving family to help them out and keep
them safe.
God bless all of you kind people.
Now if she could just find a house
so they can all be together again.
Grandpa and Gramma,
Bill and June Austin
To the editor:
First let me say that my heart
grieves for the family and loving friends
of Maude. Although she was not a
blood relation, she always made me feel
a part of her family. The sharing smiles,
hugs, and kisses that always welcomed
me were just a part of what made her
special. A part of what I learned from
this gracious lady was that we all need
to give a few more parts of our hearts
to make strangers feel as if family, to
have kind words toward those with
whom you may disagree.
Maude Lane was a lady that exuded
love and kindness. It shows in the
children that she raised, caring, kind,
sharing people. I am proud to consider
myself a part of her extended family
and will miss her until we meet again.
As I drove home from her memorial
service, she filled my very spirit, and
when 1 drove to Keizer for her funeral,
this poem - or something like it - came
to me. I shared it with Gladys Bolton
and Bud Lane. I hope that it gives some
peace to those who suffer the passing
of Maude and gives all of our tribal
members some positive thoughts.
John L. Roe Jr.
In Memory of a Great Lady
Many from one
All one .... a family
Until time ends and beyond
Death takes only the flesh, not the spirit
Each of us continues in eternal soul
Live life with love; all else fades
Nothing comes from anger
Each of us gains from her model
Thank you, Maude
The Importance of a Credit Report
When applying for a mortgage, one of the most important factors is your
credit report.
A good credit report can make a substantial difference in both the interest
rates offered and fees charged. Mortgage applicants with a not-so-perfect
report will find that they have many obstacles to overcome before being approved
for a mortgage.
When mortgage applicants have either a slow payment record or derogatory
information on their credit report, their interest rate can be anywhere from 2 to
3 percentage points higher than someone with a good report. For example, a
$100,000 loan at 7 percent requires payments of $661 per month for 30 years,
and at 9 percent the payments are $798 per month for 30 years.
You can see by the example that the difference is $137 per month. This
difference could keep you from qualifying for the house that you want.
In addition to an increased interest rate, mortgage applicants who have
credit problems often are assessed higher fees than someone with a good report.
The additional fees could amount to several thousand dollars.
The best thing to do if you’re considering a home purchase in the future is
to obtain a copy of your credit report now and see how it looks. If you have
slow payments and/or derogatory information on your report, it’s a good idea
to start cleaning it up long before you apply for a mortgage.
To obtain a copy of your credit report, call or write one of the following
credit reporting bureaus:
Equifax - P.O. Box 4081, Atlanta, GA 30348; 1-800-685-1111;
www.credit.equifax.com
Experian - P.O. Box 2104, Allen, TX 75013; 1-888-397-3742;
www.experian.com
Trans Union - P.O. Box 390, Springfield, PA 19064; 1-800-888-4213
It costs $9 to obtain a credit report, unless you have been denied credit in
the last 60 days. Then the report is free. Consumer Credit Reports also are
available on-line (for a fee) from either Equifax or Experian.
If you have lived in the Oregon area all of your life, the best report is from
Equifax. If you recently lived in California, Experian is the best. And in the
eastern part of the U.S., Trans Union is the company to use.
Bank of the Cascades and Majestic Mortgate Help Homebuyers
Gena Pegg, an experienced and
Pegg has been in the lending
Majestic Mortgage, a Portland
knowledgeable mortgage loan officer,
is proud to announce her recent
association with Bank of the
Cascades. She has worked closely with
the Siletz Indian Housing Authority in
the past, assisting tribal members with
financing their first homes.
Bank of the Cascades offers
numerous first-time-buyer programs
that enable borrowers to qualify for low
interest rates and low down payments.
Pegg’s creativity in working with and
combining loan programs to fit her
customers’ needs is enhanced by the
level of commitment and service
offered by Bank of the Cascades.
industry for more than 15 years and
area firm specializing in creative
lending, has positioned itself as a
resource for Indian Housing Authorities.
Liz
Hamilton
(Choctaw/
Cherokee) works with first-time
homebuyers, plus debt consolidation
and refinance clients, utilizing the first
time homebuyer assistance program
offered to tribal members under HUD’s
Indian Housing Block Grant program.
While many lenders struggle with
how to structure the NAHASDA grant
money toward down payments,
Majestic Mortgage has adopted
program guidelines to fund quickly and
efficiently. Despite credit challenges
such as bankruptcy, Majestic can
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specializes in helping first-time buyers
achieve their dreams of owning a home.
She welcomes any questions about
qualifying and can pre-qualify or
pre-approve borrowers at no obligation.
Pre-approval offers the benefit of a
strong offer to purchase and ensures a
smooth and easy closing.
For a free pre-approval, contact
Gena Pegg at Bank of the Cascades,
toll-free at 1-877-617-3400 or direct at
503-566-4927. Her office is located at
388 State St. in Salem, Ore.
April 2002
refinance the existing loan and pull cash
out for a number of uses, such as debt
consolidation, home improvements,
vacations, or working capital for a
business. Investment properties can be
either owner- or non-owner-occupied.
For self-employed people, Majestic
has non-income-verifying home loans
and SBA financing available. Most
pre-qualifications are done in 24 hours
and with no charge for the initial call.
Majestic Mortgage is an equal
opportunity lender and can originate
home loans in any state where licensing
laws allow.
For more details, contact Liz
Hamilton at 503-397-9769; collect calls
will be accepted.