Ombudsman for the Elderly & New Homebuyers Assistance - The Forum


Uploaded by NorfolkTV on 30.07.2012

Transcript:
>>> UP NEXT ON THE FORUM, DO YOU HAVE QUESTIONS OR CONCERNS ABOUT
NURSING HOMES, ASSISTED LIVING FACILITIES, OR OTHER LONG-TERM
CARE SERVICES? A SENIOR OMBUDSMAN CAN HELP
FIND OUT HOW YOU CAN GET INVOLVED.
>>> AND IF OWNING A HOME IS ON YOUR WISH LIST, ASSISTANCE FOR
FIRST-TIME HOMEBUYERS MAY BE JUST A PHONE CALL AWAY.
HUMAN SERVICES FORUM BEGINS RIGHT NOW.
CAPTIONING PROVIDED BY CAPTION ASSOCIATES, LLC
www.captionassociates.com >>> HELLO, AND WELCOME TO THE
FORUM. THE 1987 FEDERAL NURSING HOME
REFORM ACT CREATED A NATIONAL SET OF MINIMUM STANDARDS OF CARE
AND RIGHTS IN CERTIFIED NURSING FACILITIES.
THE OMBUDSMAN PROGRAM QUICKLY FOLLOWED, AND WILLIE ALSTON,
JR., VOLUNTEER COORDINATOR FOR SENIOR SERVICES OF SOUTHEASTERN
VIRGINIA, JOINS ME TO EXPLAIN HOW IMPORTANT THAT ROLE IS.
WE ALSO WELCOME CAROL LAGINESS, AN OMBUDSMAN VOLUNTEER WITH
KEMPSVILLE NURSING AND REHABILITATION CENTER.
AND YOU DO SOME VERY IMPORTANT WORK, BOTH OF YOU DO, BY
RECRUITING PEOPLE TO ACTUALLY SERVE IN THIS ROLE, WHICH I KNOW
CAN BE AN ONGOING PROCESS. AND FOR ACTUALLY PERFORMING
THESE TASKS, YOU ARE TO BE COMMENDED AND IT IS NOT
SOMETHING THAT JUST ANYBODY CAN DO.
SO THANK YOU BOTH FOR COMING HERE TO SHARE WHAT IT IS YOU DO
AND MAYBE HOW SOMEBODY ELSE MIGHT BE ABLE TO HELP OUT.
SO OMBUDSMAN IS ONE OF THOSE WORDS THAT YOU HEAR, OH,
CONNECTED WITH THE MILITARY SOMETIMES, YOU KNOW.
>> RIGHT. >> BUT IT'S NOT GENERALLY IN THE
NORMAL FLOW OF CONVERSATION. SO WHAT DOES OMBUDSMAN REALLY
MEAN? WHAT DOES IT ENTAIL?
>> THE OMBUDSMAN PROGRAM COMES OUT OF THE OLD AMERICANS ACT AND
UNDER THE AGENCY ON AGING, AND IT BASICALLY SAYS THAT THERE ARE
INDIVIDUALS DESIGNATED TO ACT ON BEHALF OF AND STAND IN THE GAP
FOR INDIVIDUALS THAT ARE GETTING LONG-TERM CARE SERVICES.
LONG-TERM CARE SERVICES FOR OUR BENEFIT IS DEFINED AS THOSE THAT
ARE GETTING CARE IN NURSING HOMES, AND I WANT TO SAY THAT
NURSING HOMES, THE NAME MAY BE A LOT DIFFERENT IN THAT SOME
NURSING HOMES CALL THEMSELVES REHAB CENTERS, SOME CALL THEM
TRANSITIONAL CENTERS, BUT THEY'RE ALL NURSING HOMES, ALL
LICENSED BY THE DEPARTMENT OF HEALTH.
IT INCLUDES ASSISTED LIVING FACILITIES, WHICH IS NOT QUITE
AS CONTROLLED ENVIRONMENT AS NURSING HOMES, AND WE ALSO
ADVOCATE FOR THOSE INDIVIDUALS THAT ARE GETTING CARE IN THE
HOME ENVIRONMENT. CARE PROVIDED BY HOME HEALTH
AGENCIES. SO WE SIMPLY ARE ADVOCATES TO
MAKE SURE THAT THEY'RE GETTING THE SERVICES THAT THEY'RE
EXPECTING TO GET. >> WHICH IS VERY IMPORTANT.
THEY NEED SERVICES FOR THEIR OWN HEALTH AND WELLBEING AND
OTHERWISE WE WOULDN'T HAVE THEM IN FACILITIES OR HAVING
HEALTHCARE WORKERS IN THE HOME. >> EXACTLY.
>> IT'S A LOT TO COVER. >> IT IS, AND IN OUR AREA OF
COVERAGE, WE HAVE TWO STAFF OMBUDSMAN THAT ARE ASSIGNED AND
EMPLOYED BY SENIOR SERVICES OF SOUTHEASTERN VIRGINIA.
BUT OUR AREA OF COVERAGE INCLUDES NORFOLK, PORTSMOUTH,
SUFFOLK, CHESAPEAKE, VIRGINIA BEACH, ISLE OF WIGHT COUNTY AND
SOUTHAMPTON COUNTY, A TOTAL OF ABOUT 175 LONG-TERM CARE
FACILITIES. IT'S IMPOSSIBLE FOR THE TWO
STAFF MEMBERS TO COVER THOSE AREAS, SO WE HAVE WHAT WE CALL
THE BACKBONE OF THE PROGRAM. WE BRING IN AND WE TRAIN
VOLUNTEERS. >> AND CAROL IS ONE OF THOSE
VOLUNTEERS. YOU SAID YOU HAD BEEN WORKING AS
AN OMBUDSMAN FOR MORE THAN A YEAR.
>> YES, ABOUT A YEAR AND A HALF. >> AND WHAT PROMPTED YOU TO GET
INVOLVED? >> IT'S KIND OF PERSONAL.
I HAVE AN UNCLE IN PENNSYLVANIA WHO IS IN NURSING CARE AND I
THOUGHT MAYBE I COULD PAY IT FORWARD OR MAYBE IT BACK BY
DOING SOMETHING HERE FOR SOMEBODY ELSE, AND SO I WAS
FAMILIAR WITH SENIOR SERVICES FROM MY CORPORATE LIFE, SO I
LOOKED UP THE PROGRAM AND INTERVIEWED WITH WILLIE AND TOOK
THE WONDERFUL TRAINING PROGRAM, AND THAT'S HOW I GOT STARTED.
>> GREAT. THERE IS A TRAINING PROGRAM,
CLEARLY YOU WOULD HAVE TO GET PEOPLE UP TO SPEED ON THINGS.
WHAT DOES THAT INVOLVE? >> IT'S THREE DAYS OF TRAINING,
THREE FULL DAYS, AND WE'VE GOT THE NEXT CLASS SCHEDULED FOR
SEPTEMBER THE 13th, 14th, AND THE 17th, AND THE THREE DAYS
INCLUDES JUST ABOUT EVERYTHING THAT WE WOULD WANT OUR
VOLUNTEERS TO KNOW ABOUT THAT ENVIRONMENTAL, THE LONG-TERM
CARE ENVIRONMENT. WE TALK PRIMARILY ABOUT RESIDENT
RIGHTS. WE TEACH THEM ABOUT ABUSE,
NEGLECT, AND FINANCIAL EXPLOITATION, HOW TO IDENTIFY
ISSUES IN THOSE AREAS. WE EVEN INCLUDE COMMUNICATION
SKILLS SO THEY KNOW WHAT TO LOOK FOR AND HOW TO COMMUNICATE WITH
INDIVIDUALS THAT MAY HAVE DISABILITIES OR INABILITY TO
SPEAK SO THAT WE CAN RECOGNIZE A PROBLEM WITHOUT THEM ACTUALLY
SAYING THAT THERE'S A PROBLEM. >> YOU WORK AS THEIR VOICE
OFTEN. >> YES, EXACTLY.
WE BRING IN SPEAKERS FROM A VARIETY OF AGENCIES THROUGHOUT
THE COMMUNITY TO DO PRESENTATIONS FOR OUR
VOLUNTEERS. SOMEONE FROM ADULT PROTECTIVE
SERVICES COMES IN AND PRESENTS THAT.
SOMEONE FROM THE NURSING HOME, LONG-TERM CARE ENVIRONMENT,
USUALLY AN ADMINISTRATOR TO COME IN AND GIVE AN OVER VIEW OF WHAT
THOSE -- OVERVIEW OF WHAT THOSE ENVIRONMENTS ARE LIKE, WHAT KIND
OF PATIENTS THEY CARE FOR. WE COLLABORATE WITH SOCIAL
SERVICES TO INCLUDE PAY SOURCES. HOW IS LERP CARE PAID FOR, AND
WE'RE -- LONG-TERM CARE FADE FOR AND WE'RE ABLE TO BEST ANSWER
QUESTIONS TO THOSE GETTING THE SERVICES AS WELL AS SERVE AS A
REFERRAL SOURCE FOR INDIVIDUALS WE MAY COME IN CONTACT WITH AS
TO WHERE THEY CAN GET HELP WITH FINANCIAL MATTERS, GET HELP WITH
LEGAL MATTERS, GET HELP WITH A LOT OF OTHER THINGS THAT MAYBE
BECAUSE THEY'RE IN A LONG-TERM CARE FACILITY, THEY DON'T HAVE
ACCESS TO READILY. >> SORT OF LIKE YOUR OWN NETWORK
THAT YOU'VE GOT. >> EXACTLY, EXACTLY.
>> YOU ARE THE CHANNEL. >> WE STAND IN THE GAP.
THE GO-BETWEEN BETWEEN THE PROVIDERS AND THE PATIENTS AND
THEIR FAMILIES AND JUST AS IMPORTANT IS OUR ROLE AS AN
EDUCATOR. EACH TIME WE VISIT, WE'RE
EDUCATING THE RESIDENTS, THE FAMILIES, AND THE STAFF ON WHAT
RESIDENT RIGHTS ARE SO THAT THEY KNOW WHAT TO EXPECT.
BECAUSE IF THEY DON'T KNOW WHAT THEIR RIGHTS ARE, THEY'RE NOT
GOING TO SPEAK UP. >> THAT'S RIGHT.
AND, OF COURSE, THE FAMILIES BENEFIT AS WELL FROM KNOWING
WHAT'S GOING ON. >> EXACTLY, EXACTLY.
>> BECAUSE THAT CAN BE A VERY BEWILDERING SHIFT.
>> SO WE'RE LOOKING FOR MORE VOLUNTEERS.
WE'RE LOOKING FOR MORE FOLKS LIKE CAROL THAT WILL JOIN FORCES
WITH US, GO THROUGH THE THREE DAYS OF TRAINING, AND WE'LL
ASSIGN THEM TO A LOCATION THAT'S CLOSE TO WHERE THEY LIVE SO THAT
IT MAKES IT EASY FOR THEM TO VISIT.
WE ASK THAT THEY VISIT FOUR HOURS A WEEK, THAT'S ALL.
I MEAN, THAT'S A MINIMUM. THEY CAN VISIT MORE THAN THAT IF
THEY HAVE THE TIME, BUT WE ONLY EXPECT A FOUR-HOUR-A-WEEK
MINIMUM AND THEY MONITOR AND ARE SUPERVISED BY MYSELF AND THE
OTHER STAFF OMBUDSMAN SO WE'RE THERE TO BACK UP AND OFFER
ASSISTANCE WITH PROBLEM THAT THEY MAY HAVE, ISSUES THEY MAY
ENCOUNTER WHILE THEY'RE VISITING THAT THEY DON'T HAVE AN ANSWER
FOR BUT THEY HAVE A BACKUP WITH US.
>> IT'S GOOD TO KNOW AND FOR YOU, WHATEVER NUMBER OF HOURS
YOU PUT INTO IT HAVE GOT TO BE BUSY FOR YOU.
>> THEY ARE BUSY. USUALLY PUT IN ABOUT SEVEN HOURS
A WEEK, BUT IN THAT TIME, I GET TO SEE ALL OF THE RESIDENTS.
>> OKAY. >> I CAN JOIN IN ON SOME OF THE
ACTIVITIES, WHICH IS GREAT WAY TO GET THEM TO LOOSEN UP AND
TELL ME WHAT'S GOING ON, BECAUSE A LOVE TIMES YOU ASK A SENIOR --
A LOT OF TIMES YOU ASK A SENIOR, WHAT'S GOING ON, HOW ARE YOU
DOING, AND THEY SAY EVERYTHING IS FINE.
YOU HAVE TO BE ABLE TO KEEP PRESSING FURTHER AND MAYBE THEY
WILL TELL YOU MY WHEEL IS TOO TIGHT OR I'M HAVING -- MY
WHEELCHAIR IS TOO TIGHT OR I'M HAVING TROUBLE WITH THIS.
MANY THINGS ARE SIMPLE THINGS THAT I CAN HELP WITH OR WORK
WITH A SOCIAL WORKER ON SITE OR I GIVE WILLIE A CALL FOR THE
DIFFICULT THINGS. BUT THERE'S NOTHING THAT I'M OUT
THERE ON MY OWN. >> IT SOUNDS TO ME THAT
RELATIONSHIPS AND ESTABLISHING THOSE RELATIONSHIPS IS REALLY
KEY ON GETTING IN AND FINDING OUT WHAT NEEDS TO BE FIXED,
IMPROVED. AGAIN, DOESN'T HAVE TO BE MAJOR,
BUT SOMETHING THAT'S IMPORTANT TO THAT INDIVIDUAL AND THEY
HAVEN'T EXPRESSED IT TO ANYBODY HE IS, SO WHEN YOU'RE LOOKING --
ANYBODY ELSE, SO WHEN YOU'RE LOOKING AT VOLUNTEERS OR PEOPLE
CONTACTING YOU, WHAT ARE YOU LOOKING FOR?
>> THE MAIN THING I LOOK FOR IS THE DESIRE AND THE INTEREST IN
MAKING A DIFFERENCE IN THE LIVES OF THOSE INDIVIDUALS RECEIVING
LONG-TERM CARE AND THE THINGS THAT WE DO ON A DAY-TO-DAY BASIS
DO MAKE A DIFFERENCE. IF IT'S SOMETHING AS SIMPLE AS
FIXING A WHEELCHAIR, IT MAKES THEIR LIFE MORE COMFORTABLE,
IMPROVES THEIR QUALITY OF LIFE. THE AGE LIMIT, WE SAY THEY HAVE
TO BE 21 YEARS OR OLDER, BUT OUTSIDE OF THAT, IS THE DESIRE
TO HELP OTHERS AND WE'VE GOT VOLUNTEERS FROM A VARIETY OF
BACKGROUNDS, FROM EDUCATORS THAT ARE RETIRED, FROM INDIVIDUALS
THAT MAYBE HAVE HAD A FAMILY MEMBER THAT WAS GETTING
LONG-TERM CARE AND THEY'RE FAMILIAR WITH THE ENVIRONMENT.
AND THEN OTHERS THAT JUST WANT TO, WANT TO, AS WE USE THE TERM
THAT CAROL USED, PAY IT FORWARD, TO MAKE A DIFFERENCE IN THE
LIVES. BECAUSE A LOT OF INDIVIDUALS IN
LONG-TERM CARE FACILITIES THAT DON'T HAVE FAMILIES.
THEY OUTLIVED ALL OF THEIR RELATIVES, AND SO THERE'S NO ONE
ELSE TO SPEAK UP FOR THEM, AND MANY OF THEM DON'T HAVE THE
ABILITY TO SPEAK FOR THEMSELVES. SO WHEN WE TRAIN, WE TALK ABOUT
WHAT SIGNS TO LOOK FOR SO THAT IF THERE IS A PROBLEM, WE CAN
IDENTIFY IT WITHOUT THEM EVEN SAYING SOMETHING ABOUT IT.
THE RELATIONSHIP THAT YOU MENTIONED IS A KEY THING AND IT
TAKES A VOLUNTEER A MONTH, SOMETIMES TWO MONTHS TO DEVELOP
THAT RELATIONSHIP BECAUSE WE FIND THAT THE LONG-TERM CARE
RESIDENT WON'T OPEN UP RIGHT AWAY.
AND WE WANT TO FIND OUT JUST FROM THE ROOT HOW ARE YOU DOING,
HOW IS YOUR CARE, HOW DO YOU FEEL ABOUT WHAT'S GOING ON WITH
YOU? AND UNTIL WE ESTABLISH THAT
RELATIONSHIP WHERE THEY FEEL COMFORTABLE TALKING TO YOU, WE
REALLY AREN'T EFFECTIVE. >> THAT, I KNOW, TAKE THE MOST
TIME AND IT'S DEVELOPING THE TRUST AND HAVING THEM OPEN UP
AND TALK TO YOU, EVEN IF IT'S ABOUT EVERYDAY STUFF.
>> USUALLY A GOOD ICE BREAKER IS THE MENU, DID YOU EAT LUNCH
TODAY, HOW WAS IS, AND THAT WILL START OFF A LOT --
>> YOU BET. THERE'S ALWAYS AN OPINION ABOUT
FOOD. >> EXACTLY.
>> HOW HAS THIS SHAPED YOU? YOU'VE BEEN DOING IT FOR A YEAR
AND A HALF. I DON'T KNOW IF YOU CAME IN WITH
CERTAINLY EXPECTATIONS OR AN OPEN MIND.
>> I DID COME IN WITH AN OPEN MIND, BUT IT'S BEEN SO
SATISFYING. EVERY DAY, YOU'VE MADE A SMALL
CHANGE IN SOMEBODY'S LIFE AND IT'S BEEN VERY REWARDING.
>> SO THE FOLKS, HOW MANY PEOPLE DO YOU THINK YOU SEE?
>> PROBABLY ABOUT 30 EACH VISIT, BUT THERE'S 60 IN THE FACILITY,
BUT NORMALLY I FOCUS ON THE LONG-TERM SIDE.
>> YOU GET TO MEET FAMILIES OF THESE RESIDENTS AS WELL?
>> I DO AND THEY'RE SO NICE AND THEY'RE SO APPRECIATIVE TOO AND
THEY CAN GIVE ME BACKGROUND AND THEN I CAN GIVE THEM INFORMATION
THAT THEY'RE NOT EVEN AWARE OF BECAUSE I MAY SEE THEM AT A
DIFFERENT TIME. >> SO IT IS LIKE ONE BIG FAMILY
IN SOME RESPECTS. >> IT IS, IT IS.
IT'S A GREAT COMMUNITY THERE. >> YOU MENTIONED FAMILIES.
ONE OF OUR ROLES AS AN OMBUDSMAN AND AS AN OMBUDSMAN VOLUNTEER IS
TO NOT ONLY EDUCATE THE RESIDENTS, THE FOLKS GETTING THE
CARE, BUT TO EDUCATE THE FAMILIES, AND SO WE MAKE
OURSELVES AVAILABLE TO ATTEND FAMILY MEETINGS, WHICH ARE HELD
IN FACILITIES AND SOME FACILITIES MORE OFTEN THAN
OTHERS. BUT WE ALSO VISIT DURING TIMES
WHEN FAMILIES ARE MORE APT TO VISIT SO THAT WE CAN COME IN
CONTACT WITH THEM, BECAUSE THEY ARE A BETTER ADVOCATE FOR THE
CARE THAN WE ARE, REALLY, BECAUSE COMING FROM A FAMILY
MEMBER OR COMING FROM A PATIENT, IT SEEMS TO SINK IN BETTER THAN
COMING FROM AN OUTSIDE PERSON. SO WE DO A LOT OF EDUCATING FOR
FAMILIES AS WELL AS RESIDENTS, AND EDUCATING THE STAFF.
THE STAFF NEED TO KNOW WHAT THE RIGHTS ARE OF THESE PATIENTS
BECAUSE THEY'RE THE ONES THAT ARE GOING TO BE EXPECTED TO
ADHERE TO AND FOLLOW THOSE RIGHTS.
>> BECAUSE WE'RE TALKING ABOUT, YOU KNOW, LEGAL ASPECTS HERE,
VERY IMPORTANT. >> EXACTLY.
THEY SIGN A CONTRACT THAT SAYS -- THE NURSING HOME SIGNS A
CONTRACT THAT SAYS WE'RE GOING TO PROVIDE YOU WITH THE BEST
QUALITY OF CARE AND PROVIDE THE BEST QUALITY OF LIFE AND WHEN
THOSE RESIDENTS FEEL THEY'RE NOT GETTING THAT, SPEAK UP.
THEY HAVE -- THAT RIGHT OF HAVING A CHOICE IS A KEY THING
TO EVERYTHING THAT WE SAY. SPEAK UP AND LET YOUR CONCERNS
BE HEARD, THAT WAY WE CAN RESOLVE THEM.
>> AND THAT CAN FEEL AWFULLY GOOD TO SOMEONE WHO'S IN AN
ENVIRONMENT THAT PERHAPS ISN'T THE MOST, YOU KNOW, WONDERFUL
PLACE THAT THEY WOULD LIKE -- THEY WOULD RATHER BE SOMEWHERE
ELSE, I'M SURE. BUT IT'S STILL GOOD TO KNOW THAT
THEY HAVE SOME CONTROL AND SOME SAY OVER, YOU KNOW, WHAT --
>> EXACTLY. >> -- WHAT THEY DESERVE, WHICH
IS A GOOD THING. SO THE TRAINING THAT YOU
MENTIONED, THREE DAYS, THERE IS A COST FOR THIS TRAINING?
>> NO COST. THE TRAINING IS FREE, INCLUDING
A MANUAL THAT WE PROVIDE FOR EACH CANDIDATE THAT HAS
RESOURCES FOR JUST ABOUT EVERY AREA THAT THEY WILL ENCOUNTER.
THE RESIDENT RIGHTS TOPICS INCLUDED IN THE MANUAL, ABUSE,
NEGLECT, FINANCIAL EXPLOITATION, IN THE MANUAL.
THE LIST OF AGENCIES, PHONE NUMBERS, EVERY NURSING FACILITY,
EVERY ASSISTED LIVING FACILITY IS LISTED IN THERE SO THAT THE
VOLUNTEERS HAVE ACCESS TO NAMES, ADDRESSES, PHONE NUMBERS, SO
THAT THEY CAN PROVIDE THIS INFORMATION TO THE FAMILIES.
SO I PUT A LOT OF TIME INTO DOING THESE MANUALS, BUT IT'S AN
EXCELLENT RESOURCE AND EVERY APPLICANT GETS ONE OF THOSE WHEN
THEY COMPLETE THE TRAINING. >> AND YOU'RE FAMILIAR WITH IT.
IT MUST BE VERY -- >> OH, ABSOLUTELY.
>> WHICH IS GREAT. QUICKLY, YOU HAVE THE TRAINING
COMING UP IN SEPTEMBER, RIGHT? >> SEPTEMBER THE 13th AND 14th,
A THURSDAY AND FRIDAY, AND THEN WE FINISH UP THE THIRD DAY ON
THAT MONDAY THE 17th. THE TRAINING GOES FROM 9:00 TO
4:00 EACH DAY, AND FOR THOSE THAT ARE INTERESTED, WE ASK THAT
THEY CONTACT SENIOR SERVICES PRIOR TO AND AT LEAST BY AUGUST
THE 10th SO WE'LL HAVE TIME TO INTERVIEW THEM, GET THEIR
APPLICATIONS IN. WE DO CRIMINAL BACKGROUND CHECKS
ON EVERY CANDIDATE. >> THAT ALL TAKES TIME.
>> THAT TAKES SOME TIME, SO WITH THAT TIME FRAME, WE HOPE TO HAVE
THE CLASS STARTING AND WE HOPE TO FILL THE CLASS.
>> GREAT. I HOPE YOU DO!
THIS IS GREAT STUFF. THANK YOU VERY MUCH, CAROL, FOR
COMING IN AND SHARING YOUR ENTHUSIASM WITH THIS PROGRAM.
I'M SURE THERE ARE MANY PEOPLE THAT COME AWAY FROM THIS SAYING
I DIDN'T KNOW. THANK YOU VERY MUCH FOR ALL YOU
DO. >> WELL, THANK YOU.
>>> DON'T GO AWAY. THE NORFOLK REDEVELOPMENT AND
HOUSING AUTHORITY OFFERS SOME TERRIFIC SERVICES TO HELP
FIRST-TIME HOMEBUYERS OF PRACTICALLY ANY INCOME LEVEL
MAKE IT THROUGH THE PROCESS IN ONE PIECE AND AT NO ADDITIONAL
COST. STAY TUNED.
>>> HAVE YOU HEARD? THE U.S. TREASURY IS PHASING OUT
PAPER CHECKS FOR SOCIAL SECURITY, V.A., AND OTHER
FEDERAL BENEFIT PAYMENTS AND GOING ELECTRONIC.
IF YOU CURRENTLY RECEIVE FEDERAL BENEFITS BY PAPER CHECK, YOU
WILL NEED TO SWITCH TO DIRECT DEPOSIT OR TO THE
TREASURY-RECOMMENDED DIRECT EXPRESS DEBIT MASTER CARD.
IF YOU PLAN TO APPLY FOR FEDERAL BENEFITS SOON, YOU'LL WANT TO
DECIDE WHICH ELECTRONIC PAYMENT OPTION IS RIGHT FOR YOU.
VISIT GODIRECT.ORG TO LEARN MORE OR TO MAKE THE SWITCH TODAY.
\M\M \M\M
>>> DID YOU KNOW THAT THE NRHA IS OFFERING $30,000 IN CLOSING
COST ASSISTANCE TO FIRST-TIME HOMEBUYERS?
WANT TO LEARN MORE? YOU'VE COME TO THE RIGHT PLACE.
WE HAVE LA SHAWN FORBES WITH NORFOLK REDEVELOPMENT AND
HOUSING AUTHORITY. OTHERWISE KNOWN AS NHRA, WHO HAS
A WEALTH OF INFORMATION FOR FOLKS WHO HAVE TOYED WITH THE
IDEA OF BUYING A HOUSE AND SHE MAY JUST CONVINCE YOU TO GET
STARTED AND WE ALSO HAVE SOMEBODY WHO DID GET STARTED AND
NOW IS A HOMEOWNER AND SO WE ARE VERY, VERY HAPPY TO HAVE YOU,
AND I WOULD LIKE TO START WITH JUST THE WHOLE CONCEPT OF
HOMEBUYING. I KNOW THAT SOME PEOPLE, IT'S
LIKE, NO, NO, NO. OTHERS THINK IT WILL NEVER
HAPPEN AND OTHERS WANTED TO DO IT FOR WHATEVER REASON FOR A
LONG TIME, BUT JUST HAVEN'T DONE IT YET.
SO YOU DEAL WITH ALL KINDS. >> WE DEAL WITH ALL KINDS AND
PART OF OUR PROCESS IS WE WANT TO DEMYSTIFY THE PROCESS BECAUSE
IT IS DIFFICULT TO SO MANY BUYERS AND ESPECIALLY FIRST-TIME
HOMEBUYERS BECAUSE THEY DON'T UNDERSTAND WHAT THEY'RE GETTING
IN AND WHAT TYPE OF INTEREST RATE AND AS YOU KNOW, 000 BEEN A
LO OF -- THERE'S BEEN A LOT OF FORECLOSURES AND OUR GOAL IS
LONG-TERM SUSTAINABILITY. WE WANT TO MAKE SURE THE NORFOLK
NEIGHBORHOODS ARE STABILIZED WITH CLIENTS WE PUT IN THEM, BUT
ALSO WE FIND THAT RENTERS SPEND UP TO 50% OF THEIR INCOME ON
RENT, SO TO HAVE $30,000 TOWARDS THE DOWN PAYMENT AND CLOSING
COST ASSISTANCE TO HELP THEM BECAUSE A LOT OF THEM CAN'T SAVE
THAT AMOUNT TO PUT THAT 3.5% DOWN PLUS CLOSING COSTS AND
WE'VE BEEN ABLE TO HELP A TREMENDOUS AMOUNT OF PEOPLE
OVERCOME THE BARRIER. >> THE PROGRAM UNDER WHICH ALL
OF THIS HAPPENS IS CALLED HOME NET.
>> IT IS CALLED HOME NET, THE HOME OWNERSHIP CENTER AND WE'VE
BEEN IN EXISTENCE SINCE 2000 AND WE'RE CHARTERED UNT HUD.
>> AND -- UNDER HUD. >> THIS PROGRAM OFFERS A LOT OF
THINGS AND WE CAN GET INTO THAT IN A MINUTE, BUT I WANTED TO GET
INTO OUR NEW HOMEOWNER WHO IS, I GUESS, HAVING NEW EXPERIENCES.
>> YES. >> IN HOME OWNERSHIP, SO TELL ME
HOW YOU FOUND OUT ABOUT THIS AND WHAT BROUGHT YOU TO THIS POINT?
>> ACTUALLY, I FOUND OUT THROUGH A COUPLE OF FRIENDS OF MINE AND
ALSO THROUGH NHRA ABOUT THE PROGRAM, AND ALWAYS SAID I
WANTED TO OWN A HOME, BUT I WAS A LITTLE RELUCTANT TO DO SO.
BUT THEN THERE CAME A TIME IN MY LIFE THAT I FELT LIKE I WAS
READY, AND SO I CONTACTED LA SHAWN AND THE PROGRAM ABOUT IT
AND THE HOME NET PROGRAM IS WONDERFUL.
THEY START YOU OUT WITH EVERYTHING THAT YOU NEED TO KNOW
IN THE BEGINNING PROCESS. THEY HELP YOU UNDERSTAND WHAT
YOU NEED TO QUALIFY, ALL OF THE PREREQUISITES THAT YOU NEED TO
KNOW AND THINGS YOU NEED TO DO TO START OUT THE PROCESS BEFORE
YOU EVEN GO THROUGH THE PROCESS TO MAKE SURE THAT YOU ARE READY.
>> I WOULD IMAGINE JUST HAVING THAT INFORMATION PRESENTED IS A
RELIEF BECAUSE YOU WOULDN'T KNOW WHAT TO START WITH.
>> CORRECT. >> ON YOUR OWN, SOMETIMES YOU
JUST GET OVERWHELMED WITH THE THOUGHT OF --
>> RIGHT. >> DOES ANYBODY EVER ASK KNEES
QUESTIONS OR AM I THE -- ASK THESE QUESTIONS OR AM I THE ONLY
ONE THAT DOESN'T KNOW, BUT I'M SURE IT MUST HAVE BEEN --
>> RIGHT, BECAUSE YOU DO THINK WHERE DO I START, SO THE HOME
NET HELPS YOU WITH ALL OF THOSE THINGS, ALL OF THE QUESTIONS
THAT YOU HAVE, AND ALL OF THE WORRIES, THEY HELP YOU WITH ALL
THE WORRIES, MAKING SURE THAT YOU COMPLETELY UNDERSTAND
EVERYTHING. THE WHOLE ENTIRE PROCESS FROM
BEGINNING TO END, FROM COUNSELING, YOU GO THROUGH
COUNSELING, CREDIT COUNSELING, HOMEOWNERSHIP COUNSELING, AND
YOU GO THROUGH A VHDA CLASS, FINANCIAL COUNSELING, EVERYTHING
THAT COMES WITH PURCHASING A HOME.
AND ALSO, YOU KNOW, IF YOU HAVE LITTLE JITTERS, YOU CAN -- THEY
HELP YOU WITH THAT TOO. >> GOSH!
>> BECAUSE A LOT OF TIMES IT CAN BE FRUSTRATING BECAUSE IF YOU
DON'T KNOW, YOU KNOW, IT CAN JUST BE FRUSTRATING BECAUSE
YOU'RE -- IT'S A LOT OF INFORMATION.
IT'S A LOT OF INFORMATION. YOU JUST, ALL YOU KNOW IS YOU
WANT TO BUY A HOME, SO ONCE YOU GET THE INFORMATION COMING IN,
IT CAN GET OVERWHELMING, SO THE HOME NET PROGRAM EVEN PROVIDES
YOU WITH MAKING SURE YOU DON'T GET TOO OVERWHELMED WITH THE
WHOLE PROCESS AND JUST HELPS YOU GO THROUGH THE PROCESS.
>> HELPS YOU THINK MORE CLEARLY ABOUT EACH STEP.
>> YES, YES. >> THAT'S GREAT.
WELL, SOUNDS LIKE YOU COVER A LOT OF TERRITORY WHEN IT COMES
TO DEALING WITH HOMEOWNERSHIP. >> WE DO.
WHEN THEY COME IN, WE PUT AN ACTION PLAN TOGETHER FOR THEM
BECAUSE EVERY INDIVIDUAL IS DIFFERENT.
SOME MIGHT COME IN THE DOOR AND READY AND SOME MIGHT TAKE TWO
YEARS. THE AVERAGE IS ABOUT TWO YEARS.
WHAT WE DO IS LOOK AT THEIR CREDIT, LOOK AT THEIR SAVINGS,
AND PUT AN ACTION PLAN TOGETHER AND THESE ARE THE STEPS YOU NEED
TO TAKE, AND SOME YOU HAVE TO KIND OF PULL ALONG AND SOME GET
IT RIGHT AWAY. BUT IT CAN BE SO INTIMIDATING
DOWN TO HOMEOWNERS INSURANCE, WHAT ONE DO I CHOOSE, SO WE HAVE
TO LOOK AT APPLES TO APPLES WHEN THEY'RE COMPARISONS, SO AGAIN,
WE'RE THERE THROUGHOUT THAT WHOLE PROCESS, FROM THE
BEGINNING TO THE END WHEN THEY GET THEIR KEYS AND WE OWN GO TO
THE CLOSINGS IF WE'RE AVAILABLE, SO WE AGAIN TRY TO BE THERE.
THEY HAVE MAY CELL PHONE, THEY CAN CALL ME BECAUSE IT IS A LOT
OF ANXIETY AND BUYING A HOME IS NUMBER TWO TO DEATH IN TERMS OF
STRESS, GOING THROUGH THAT WHOLE PROCESS.
>> WOW, REALLY? I DIDN'T KNOW ABOUT THAT.
>> IT IS, IT REALLY IS. SO AGAIN, IT'S A VERY DETAILED
PROCESS, AND A LOT OF OUR CLIENTS, WE HAVE A 4%
FORECLOSURE RATE RIGHT NOW, BUT WE'VE HAD 500 PEOPLE GO THROUGH
THE PROGRAM, SO IT'S HAVE LOW COMPARED TO THE COUNTRY'S
FORECLOSURE RATE. WE CAN FOLLOW THEM AND GET THEM
STARTED RIGHT AWAY AND GET THEM STARTED ON THE PLAN BECAUSE THE
KEY IS A ROADMAP TO YOUR MONEY. IF YOU DON'T KNOW WHERE YOU ARE,
YOU DON'T WHERE YOU'RE GOING, SO WE PREPARE THEM FOR THAT SAVINGS
AND THAT RAINY DAY FOR HOMEOWNERSHIP.
>> BEING PREPARED BEFORE YOU TAKE THE BIG STEP IS NOT WHAT A
LOT OF PEOPLE WOULD DO. >> EXACTLY.
>> BECAUSE THEY FIGURE THEY SHOULD KNOW IT OR THEY THINK
THEY HAVE GOT IT OR THEY'LL FIGURE IT OUT ALONG THE WAY.
>> I DON'T KNOW THAT I'D BE WILLING TO FIGURE IT OUT ALONG
THE WAY. THIS PROGRAM, IS IT COST-FREE?
IS THERE A FEE INVOLVED? >> THERE'S A $40 APPLICATION
PROCESS AND WE PUT THAT IN PLACE TO KIND OF GET THE FOLKS WHO ARE
SERIOUS ABOUT IT. AT ONE POINT WE HAD A PIPELINE
OF OVER 800 PEOPLE BUT THEY REALLY WEREN'T SERIOUS AND JUST
KIND OF PUTTING THAT APPLICATION FEE, IT MAKES YOU THINK ABOUT DO
I REALLY WANT TO GO THROUGH THE PROCESS, DO I REALLY WANT TO DO
THE WORK, SO NOW WE'RE GETTING MORE SERIOUS BUYERS WHO CAN GET
INTO THE PROGRAM, DO WHAT THEY NEED TO DO, AND MOVE ON-ALSO,
HOMEOWNERSHIP IS NOT FOR EVERYONE.
I HAD A YOUNG LADY, SHE WAS STILL?
SCHOOL, GETTING READY TO GET HER MASTER'S DEGREE AND WE SAT AND
TALKED YESTERDAY AND WEIGHED THE PROS AND CONS AND I TOLD HER,
WHY DON'T YOU FINISH YOUR MASTER'S AND THEN PURCHASE A
HOUSE. LOOKING AT YOUR STUDENT LOANS,
WHERE YOU ARE, YOU MIGHT WANT TO HAVE MORE INCOME.
SOMETIMES THEY DON'T WANT TO HEAR THAT, IT'S A CHOICE, SO I
LET THEM KNOW AGAIN, HERE'S THE OPTIONS, HERE'S THE PROS AND
CONS AND WE'LL HELP YOU WHICHEVER WAY YOU WANT TO GO.
>> WHEN YOU APPROACHED THEM WITH YOUR DESIRE TO FRCH A HOME,
DID -- PURCHASE A HOME, DID YOU JUST JUMP RIGHT INTO THE CLASSES
OR WERE YOU STILL THINKING ABOUT IT IN.
>> I WAS A LITTLE BIT FEARFUL EVEN IN THE BEGINNING, BUT I
KNEW IT WAS SOMETHING I WANTED TO DO.
IT WAS A DREAM. I JUST WANTED TO KNOW WHERE DO I
START. I DIDN'T REALLY THINK ABOUT THE
TIMEFRAME. IT DIDN'T REALLY MATTER, AS LONG
AS I STARTED THE PROCESS, SO I JUST WANTED TO TAKE THAT FIRST
STEP TO MOVING FORWARD. >> RIGHT.
INSTEAD OF JUST THINKING ABOUT IT I. RIGHT.
>> SO YOU HAVE MOVED IN? >> YES.
IT'S BEEN ABOUT THREE WEEKS. >> REALLY, BEEN THAT RECENT?
>> ALMOST ABOUT THREE WEEKS. >> OH, MY GOSH, YOU REALLY ARE
JUST GETTING SETTLED. >> YES.
>> SO HOW DOES IT FEEL? >> IT'S INDESCRIBABLE.
I'M BLESSED. I AM TRULY BLESSED.
EVERY DAY, I'M A HOMEOWNER, YOU KNOW.
>> IT'S YOURS. >> YES.
>> WOW, THAT IS -- >> SHE SHOWED ME SOME PICTURES,
PLANTS STILL ON HER PORCH SAYING WELCOME.
>> MY MOTHER DID THOSE. JUST LIKE I SAID, IT'S
INDESCRIBABLE. I ENCOURAGE ANYBODY WHO IS
THINKING ABOUT THE PROCESS, JUST TO CALL IF THEY JUST HAVE
QUESTIONS ABOUT THE PROGRAM, TO SEE WHAT THEY NEED TO DO AND
FOLLOW ALONG. >> ARE THERE LIKE ACTUAL CLASSES
YOU ATTEND OR IS THERE STUFF DONE THROUGH MEETINGS THAT YOU
HAVE? >> WE HAVE ONE CLASS, IT'S EVERY
SECOND TUESDAY AND THURSDAY OF THE MONTH.
IT'S AN EIGHT-HOUR CLASS. WE TALK ABOUT EVERYTHING FROM
THE ROLE OF THE REALTOR, THE REAL OF THE LENDER, THE
IMPORTANCE OF A HOME INSPECTION, CREDIT, AND THE CLOSING.
SO WE HAVE DIFFERENT SPEAKERS COME IN AND TALK ABOUT ALL OF
THOSE THINGS AND THEY CAN ASK QUESTIONS.
AND AT THAT POINT, THEY KIND OF DECIDE, YOU KNOW, IS
HOMEOWNERSHIP READY FOR ME, BUT THE BIGGEST PIECE IS ACTUALLY
HAVING THAT ONE-ON-ONE COUNSELING, WHERE YOU CAN COME
IN AND SIT DOWN, LOOK AT YOUR CREDIT REPORT AND DETERMINE
WHERE YOU ARE, BECAUSE YOU KNOW NOW THE MARK IS CREDIT-DRIVEN,
SO YOU HAVE TO HAVE HIGHER CREDIT SCORES NOW, SO WE REALLY
KIND OF LOOK AT THEM AND WORK WITH THEM, AND LIKE I SAY, PUT
THAT ROADMAP TOGETHER FOR THEM SO THEY CAN KNOW HOW FAR THEY
HAVE TO GO, WHERE THEY ARE, AND WHAT THEY HAVE TO DO TO GET
THERE. >> A PIN MAP.
>> EXACTLY. THIS IS WHERE YOU ARE OR THIS IS
WHERE YOU ARE AND THAT'S HOW EVERYBODY -- YOU KNOW, ONE STEP
AT A TIME. WE ALL GET THERE AT DIFFERENT
PACES, BUT WE ALL GET THERE IF THAT'S WHAT YOU WANT TO DO AND
THAT'S WHAT WE'RE HERE FOR. >> IT'S NICE TO KNOW THERE ARE
RESOURCES IN THE COMMUNITY THAT CAN HELP.
IT'S ALWAYS GETTING PEOPLE, REALLY MORE GETTING THE PUBLIC
TO KNOW THAT THEY ARE STRAIBL AND THAT'S PART -- AVAILABLE,
AND THAT'S PART OF THE REASON I THOUGHT IT WOULD BE GREAT TO
HAVE YOU. AND THE INCOME LEVELS CAN VARY
TOO AS TO WHO CAN TAKE BENEFIT FROM THESE.
IT DOESN'T REALLY MATTER. >> IT IS BASED ON -- ANYBODY CAN
COME INTO THE PROGRAM. NOW, THE DOWN PAYMENT AND
CLOSING COST ASSISTANCE IS INCOME RESTRICTED SO IT'S BASED
ON HOUSEHOLD SIZE, SO FOR A FAMILY OF ONE, IT RANGES ABOUT
39,000, FOR A FAMILY OF TWO, IT GOES UP TO LIKE 42 FOR A FAMILY
OF THREE. SO IT'S BASED OFF OF FAMILY SIZE
AND INCOME AND WHEN YOU COME IN, WE LET YOU KNOW WHAT'S AVAILABLE
AND ALSO ANY OTHER LENDING PROGRAMS OUT THERE BECAUSE
THERE'S OTHER GRANTS. SO WE TRY TO LAYER AS MANY
GRANTS AS POSSIBLE, LIKE LYNN HERE, I BELIEVE WE GAVE HER
ABOUT $78,000 TOWARDS DOWN PAYMENT AND CLOSING COST
ASSISTANCE. >> AND LOOK WHERE YOU ARE NOW.
>> YES. >> A RESPONSIBLE HOMEOWNER
THAT'S WELL INFORMED AND EDUCATED AND GOT THE ASSISTANCE
SHE NEEDS. WE HOPE YOU WILL TAKE ADVANTAGE
OF THAT AND GIVE THEM A CALL. FIND OUT WHAT YOU CAN ABOUT
BECOMING A NEW HOMEOWNER. THANKS SO MUCH FOR SHARING THE
INFORMATION. >> THANK YOU FOR HAVING US ON.
>> MY PLEASURE. >>> THANKS A LOT FOR JOINING US.
WE'LL SEE YOU AGAIN NEXT TIME. BYE.
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