2 A
SIUSLAW NEWS ❚ SATURDAY, DECEMBER 9, 2017
POLICE LOG
Florence Police
Nov. 20
Theft from motor vehicle
was reported in the 2400 block
of 17th Street.
Criminal mischief was
reported in the 3300 block of
Munsel Lake Road.
Trespass was reported in the
1000 block of Hemlock Street.
Dispute was reported in the
1300 block of Ninth Street.
Arrest, with warrant, was
reported at 11th and Maple
streets.
Trespass was reported in the
2400 block of Highway 101.
Nov. 21
Arrest, with warrant, was
reported at Eighth Street and
Highway 101.
Dispute was reported in the
2100 block of 24th Street.
Nov. 22
Arrest was reported in the
1000 block of Highway 101.
Accident, without injury,
was reported at milepost 201
on Highway 101.
Theft was reported in the
1200 block of Sixth Street.
Criminal Mischief was
reported in the 900 block of
Greenwood Street.
Assault was reported in the
5600 block of Highway 126.
Harassment was reported in
the 1000 block of Laurel Street.
Nov. 23
Arrest was reported in the
800 block of Quince Street.
Shots fired was reported in
the 800 block of Munsel Creek
Loop.
Dispute was reported on
44th Street.
Rape was reported in the
1600 block of 15th Street.
Dispute was reported in the
700 block of Highway 101.
Shots fired was reported in
the 91000 block of Highway
IMPOUNDMENT
101.
Shots fired was reported in
the 5200 block of Berry Lane.
Nov. 24
Dispute was reported in the
1900 block of 30th Street.
Trespass was reported in the
1100 block of Quince Street.
Fire was reported in the
1200 block of Bay Street.
Dispute was reported in the
1000 block of Maple Street.
Nov. 25
Theft of services was report-
ted in the 900 block of
Greenwood Street.
Shots fired was reported in
the 770 block of Maple Street.
Criminal mischief was
reported in the 900 block of
Greenwood Street.
Theft was reported in the
2500 block of Highway 101.
Driving while suspended
was reported in the 100 block
of Highway 101.
DUII was reported in the
1200 block of Bay Street.
Nov. 26
Fire was reported at milepost
17.5 of Highway 101.
Arrest, with warrant, was
reported in the 100 block of
Highway 101.
Trespass was reported in the
900 block of Tamarack Street.
Nov. 27
Theft, from vehicle, was
reported in the 1700 block of
18th Street.
Theft was reported in the
88000 block of Leeward Street.
Fraud was reported in the
2200 block of 12th Street.
Accident, with injury, was
reported on Parkside Drive.
DUII was reported at
Rhododendron and Parkside
drives.
Criminal mischief was
reported in the 1100 block of
Ninth Street.
VA issues warning to veterans about refinancing scams
Clarification
In the front-page article,
“City Annexes Harbor Vista
Park, Acquires Oceanwoods”
(Dec. 6), the IGA, worded
“Intergovernmental
Agreement (IGA) with Lane
County for Annexation and
Development to Provide
Sanitary Sewer Services to
Harbor Vista Campground
with payment terms that
include
Purchase
of
Oceanwoods Parcel,” will
still need to approve annexa-
tion of the Harbor Vista
Campground once Lane
County applies.
In addition, water to the
area is served by Heceta
Water PUD. Once it is
annexed, city services to the
area will provide sewer,
stormwater
management,
street maintenance and
police.
WEATHER DATA
D ATE
Nov. 28
Nov. 29
Nov. 30
Dec. 1
Dec. 2
Dec. 3
Dec. 4
H IGH
47
50
46
50
46
47
47
Rainfall
Month: 12.46”
L OW R AIN
38
37
39
40
40
34
32
0.77
0.05
0.49
0.14
1.53
0.40
0.03
Week: 3.41”
Year: 96.51”
Courtesy of Roger Cunningham
benefit of a VA mortgage refi-
nance. In fact, the VA prohibits
a lender from advertising the
skipping of payments as a
means of obtaining cash in an
Interest
Rate
Reduction
Refinance Loan (IRRRL) .
Certain lenders nevertheless
use this as a selling point when
they are unable to offer cash-
out or a significantly lower
interest rate.
• Offers to receive an escrow
refund. Lenders may promise
to deliver a certain amount of
cash as a refund from your
escrow account; however, the
amount you may receive is
dependent on how much is left
in your account at the time the
loan closes, which may be
much less than what has been
promised. Some servicemem-
bers who were promised a cer-
tain refund amount received a
much lower amount at closing.
There are also cases where
service members have experi-
enced problems with their new
escrow accounts after closing
and have had to make higher
monthly payments to make up
for the shortfall.
• Low-interest rates without
specific terms. Lenders may
advertise a low-interest rate to
get you to respond to an adver-
tisement. Consumers might be
led to believe these rates are
for a 30-year fixed-rate mort-
gage, but in many cases the
rates are for a 15-year fixed-
rate mortgage or an adjustable-
rate mortgage — or you may
have to pay discount points to
receive the advertised rate.
• Aggressive sales tactics.
Certain lenders may try to push
a VA mortgage refinance. For
example, a consumer may be
called by a lender multiple
times, or receive VA mortgage
refinance offers in the mail that
look like a check or bill.
Veterans may be pressured to
refinance their VA loan only a
month or two after closing on
their current VA loan.
• Be
prepared
to:
Understand that certain adver-
tised benefits, such as no out-
of-pocket
closing
costs,
skipped mortgage payments
and escrow refunds are costs
that are generally added to a
loan and increase the overall
principal balance.
These are all red flags that
may indicate that the loan is
less likely to be a benefit.
Before proceeding with a
VA mortgage refinance, be
sure to consider the long-term
and short-term benefits, as well
as the consequences of refi-
nancing a loan.
sat dec. 9 r 7 pm
m
ƃQTGPEGGXGPVUEGPVGT
VGT
dec. 8 r bandon
dec. 15–17 r hult center
Any veteran considering
mortgage or refinancing
through a VA loan, VA loan
specialists are available from 8
a.m. to 6 p.m. ET, Monday
through Friday, to assist.
For more information about
a current VA loan, contact the
VA at 877-827-3702.
Any veteran having a prob-
lem with a VA mortgage refi-
nance or other mortgage issues
can submit a complaint to the
CFPB online or by calling 855-
411-CFPB (2372).
If you currently have a VA
loan and are having issues
repaying your mortgage, you
should call a VA loan techni-
cian at 877-827-3702 to
explore potential options that
can assist you.
Society.
Call 541-
997-4277 or
stop by the
shelter at 2840
Rhododendron
#13733
Drive to claim.
Visit OCHS at oregoncoast
humanesociety.org.
Phone scammers claim to be
from Lane County Sheriff’s
Lane Counrty Sheriff’s
Office has learned that com-
munity members are again
receiving calls saying they
have warrants out for their
arrest for missing jury duty.
The callers are identifying
themselves as “Joshua Hart”
with the Lane County
Sheriff’s Office, and even go
as far as providing a fake
badge number. In the reports
received so far, the communi-
ty members recognized the
call as being fraudulent and
discontinued the call before
any money was lost.
These calls are a scam, and
community members should
hang up immediately and not
engage with the caller.
The sheriff’s office does
not make phone calls to com-
munity members regarding
warrants or missed jury duty.
If you are the victim of a
phone scam and have lost
money as a result of the scam,
please report it to your local
law enforcement agency.
If you did not lose any
money, you do not need to
call and report it.
Below are some tips to
decrease your chances of
becoming a phone scam vic-
tim:
• Never provide personal
information to callers, includ-
ing your name, address or
banking information.
• Be aware of callers who
are unprofessional, pushy or
use scare tactics such as
threatening arrest if payment
is not made.
• Callers asking for pay-
ment through wire transfer,
cash cards such as green dot
cards, or other non-trackable
methods are signs of a scam.
• Do check the caller’s
information. If they claim to
be from a law enforcement
agency or other governmental
agency, call the publicly listed
phone number for that agency
to verify the caller’s authen-
ticity, NOT the number that
they provide you.
• Don’t assume your caller
ID is correct. Scammers have
found ways to make your
caller ID show names and
numbers that they program in,
not the real origin of the call.
Community members can
also report fraud to the
Oregon Attorney General’s
Consumer Hotline by calling
1-877-877-9392.
BALLET
FANTASTIQUE
*
*
*
What better place than
WINE COUNTRY
to help people age well?
*
Serene. Carefree. Easy. That’s life at Hillside. We provide
elegant accommodations, restaurant-style dining and all the
opportunities to engage your interests, passions and purpose.
get tickets early
for the best seats!
great discounts
for kids!
*
Call (503) 376-7103 today for
End-of-the-Year Blow Out Incentives!
“ Shake off the humbugs
this season with
Ballet Fantastique’s
incredible new
Christmas classic! ”
—Media Connect
b bo o b w
wi i ll l ia
i a ms
m s / /s s te e ph
p h u rs
rso
s o
The Veterans Administration
(VA) has issued its first
WARNO, “Warning Order,” to
servicemembers and veterans
with VA home loans. Anyone
with a VA home loan has prob-
ably come into contact with
unsolicited offers to refinance
their mortgage in a way that
appears official and may sound
too good to be true.
Many of these solicitations
promise:
• Extremely low interest
rates
• Thousands of dollars in
cash back
• Skipped mortgage pay-
ments
• No out-of-pocket costs
• No waiting period
Don’t be fooled. Before
responding to any unsolicited
offers, here is what you need to
know.
Some lenders marketing VA
mortgage refinances may use
aggressive and potentially mis-
leading advertising and sales
tactics. Lenders may advertise
a rate just to get consumers to
respond, or they may receive a
VA mortgage refinance offer
that provides limited benefit,
while adding thousands of dol-
lars to the loan balance.
How will you know if the
offer is too good to be true?
Here are some offers and
tactics to watch out for:
• Offers to skip one or two
mortgage payments. Lenders
sometimes advertise this as a
Male medi-
um size black
and
white
Terrier
mix
#13732 and
male large size
#13732
white Great
Pyrenees mix
#13733 have been impounded
at the Oregon Coast Humane
A Life Care* Community
300 NW Hillside Park Way
McMinnville, Oregon 97128
brookdalelifecare.com
VKEMGVUMKFUEQNNGIGUGPKQTUrCFWNVU
www .BALLETFANTASTIQUE.org
FEC BOX OFFICE 541-997-1994
*Life Care plan/guarantee is subject to the terms of the Residency Contract.
114155-Hillside-Blow Out Incentives Ads 1 SR
Pacific
Northwest
Publishing
Silva Endowment Fund
of the Arts Foundation of
Western Oregon
©2017 Brookdale Senior Living Inc. All rights reserved.
BROOKDALE SENIOR LIVING and BRINGING NEW LIFE TO SENIOR LIVING are the registered trademarks of Brookdale Senior Living Inc.
Bringing New Life to Senior Living®