What is HARP mortgage?
HARP provides borrowers, who may not otherwise qualify for refinancing because of declining home values or reduced access to mortgage insurance, the ability to refinance their mortgages into a lower interest rate and/or more stable mortgage product.
Is HARP a refinance option?
HARP is only one refinancing option. HARP is only one of several refinancing options available to homeowners. Since April 2009 when HARP began, Fannie Mae and Freddie Mac have helped approximately nine million families refinance into a lower cost or more sustainable mortgage product.
What is a BH HCBS checklist?
The BH HCBS Plan of Care Federal Rules and Regulations checklist is a list of the Federal rules and regulations for the Adult BH HCBS Plan of Care document. This checklist can be used as a guidance tool by any entity that does not choose to use the BH HCBS Plan of Care template. Any entity that creates their own Adult BH HCBS Plan of Care must ensure that all the Federal rules and regulations are incorporated into their document.
What is BH HCBS?
The Adult Behavioral Health Home and Community Based Services (BH HCBS) Plan of Care template can be used for individuals enrolled in a HARP who are eligible for BH HCBS. This template was developed by the New York State Department of Health, the Office of Mental Health, the Office of Alcohol and Substance Abuse Services, and the Health Home/Managed Care Organization workgroup. This template incorporates all the Federal rules and regulations required for the Adult BH HCBS Plan of Care.
What is a person centered planning checklist?
The Person–centered Planning Process Federal Rules and Regulations checklist is a list of the Federal rules and regulations for the person–centered planning process. This check list can be used by care managers to ensure that the Federal rules and regulations were followed during the person–centered planning process.
When was the HCBS webinar?
On September 24, 2015 and September 25, 2015, the State conducted a "HARP/HCBS Eligibility Assessment" webinar. The purpose of this webinar was to review the HARP/HCBS eligibility criteria, the HARP/HCBS Eligibility Assessment, and the associated outcomes. The presentation slides can be found below, and the recorded session will be posted to the UAS–NY Training Environment.
What is a health and recovery plan?
Health and Recovery Plan (HARP)/ Behavioral Health. Health and Recovery Plans (HARPs) will manage care for adults with significant behavioral health needs. They will facilitate the integration of physical health, mental health, and substance use services for individuals requiring specialized approaches, expertise and protocols which are not ...
Can a waiver be waived for HH+?
For Adult BH HCBS Assessors, all currently mandated UAS-NY Assessor trainings are still required and cannot be waived. HH CMAs/RCAs who receive waiver approvals are responsible for notifying their Health Home (s) and/or MCO (s) accordingly.
Why is learning an instrument important?
Learning an instrument improves your coordination. When you train your fingers to play a piece of music, those movements add to the list of things that your fingers are capable of doing. The first time you ever try to play an instrument, it’s really hard work to get your fingers to do what you want them to do.
Why are musicians better at learning languages?
This not only means that musicians are better at learning languages, thanks to strengthened connections between auditory and motor regions, but also that there is “potential for music making as an interactive treatment or intervention for neurological and developmental disorders, as well as those associated with normal aging.”
How does learning a musical instrument help your brain?
Just like walking and eating healthily will prolong your physical health as you age, studies have shown that exercising your brain by learning a musical instrument can improve your memory, verbal fluency, the speed at which you process information, planning ability, and other cognitive functions.
Why do people play the harp?
There are many reasons that people take up playing the harp. For most people, it’s because they want to be able to play it, because they know that not only will they be able to show their music to bring joy to other people, but also that the experience of playing itself is deeply enjoyable.
Does playing an instrument help with stress?
Playing an instrument reduces stress and has other health benefits too. http://www.livescience.com/40597-playing-musical-instrument-good-health.html. Research (and my own personal experience) shows that music reduces anxiety and stress, and has measurable positive effects on blood pressure, heart rate and even immunological response, ...
Is it good to pick up an instrument later on in life?
And even if you’re only picking up an instrument later on in your life the benefits are still there : “dividends could even be in store if you decide to pick up an instrument for the very first time in midlife or beyond.”. Playing an instrument reduces stress and has other health benefits too.
How to refinance a home with HARP?
Qualifications for refinancing with HARP can vary greatly depending on your mortgage provider. However, the federal guidelines for eligibility are pretty straightforward: 1 You’re current on your mortgage—no late payments over 30 days in the last six months and no more than one in the past 12 months 2 Your home is your primary residence, a 1-unit second home, or a 1- to 4-unit investment property 3 Your loan is owned by Freddie Mac or Fannie Mae 4 Your loan was originated on or before May 31, 2009 5 Your current loan-to-value (LTV) ratio must be greater than 80%
How to calculate LTV ratio?
Calculating your LTV ratio is easier than it sounds! Just take the current amount you owe on your mortgage and divide that by the value of your home:
What documents do you need to refinance a mortgage?
Once you have your refinancing lender, they’ll ask you for two kinds of documents: your mortgage statements and income verification. In most cases, you’ll just need to show either pay stubs or income tax documents (such as your W2) to confirm your income.
What does it mean when your mortgage is underwater?
An underwater mortgage means you owe more on your home than it's worth. If this happens to you, don't panic. We'll walk you through your options.
When does the HARP mortgage expire?
HARP is set to expire December 31, 2018. If you think you could benefit from HARP, get in touch with the helpful experts at Churchill Mortgage who can determine your eligibility and guide you through the refinancing process. About the author. Ramsey Solutions.
What is the FHFA program?
To help homeowners like you, the Federal Housing Finance Agency (FHFA) established a program so you can take advantage of historically low interest rates and save hundreds (or even thousands) of dollars a year on your mortgage—all while not being required to pay extra to the bank.
How long has Ramsey Solutions been around?
Ramsey Solutions has been committed to helping people regain control of their money, build wealth, grow their leadership skills, and enhance their lives through personal development since 1992. Millions of people have used our financial advice through 22 books (including 12 national bestsellers) published by Ramsey Press, as well as two syndicated radio shows and 10 podcasts, which have over 17 million weekly listeners.
What Is the HARP Loan Program?
The idea was to help homeowners refinance loans on properties that were worth less than their outstanding mortgage. Approximately 3.45 million borrowers took advantage of the program. 2
What is Freddie Mac enhanced relief?
Freddie Mac Enhanced Relief Refinance Mortgage. This program is for Freddie Mac borrowers who are on time with their monthly payments but are disqualified from the standard "no cash-out" refinance option from Freddie Mac because the new mortgage would exceed maximum LTV limits.
Why do people refinance when interest rates fall?
When interest rates fall, many homeowners will refinance their mortgage to lock in a lower interest rate, which can reduce a borrower's monthly payment or allow a homeowner to build equity more quickly. However, one group of homeowners who typically have trouble refinancing are those in negative equity.
What is HARP loan?
HARP was aimed at borrowers who had a loan-to-value ratio (LTV) of greater than 80%. Typically, these borrowers have trouble securing refinancing because of lack of equity in their homes, thus they cannot benefit from falling interest rates.
When did the HARP program expire?
However, this program expired at the end 2018. 2
Does HARP still exist?
2 While HARP didn't decrease the amount they owed, borrowers benefited from lower interest rates and monthly payments. Although the program no longer exists, Fannie Mae and Freddie Mac continue to offer refinancing options for borrowers. 3 4
Does Fannie Mae have a HARP program?
Although HARP has ended, Fannie Mae and Freddie Mac both have programs for distressed borrowers to refinance their homes.
Welcome to Molina Healthcare of New York Molina Healthcare PLUS (HARP) Health Plan
Molina Healthcare of New York Molina Healthcare PLUS (HARP) offers quality, free or low-cost health care for you and your family. Find out more about your health plan, what’s covered and the many programs we offer you and your family.
Molina Healthcare of New York Molina Healthcare PLUS Health Plan
Molina Healthcare PLUS is a special program for current and eligible Molina Healthcare Medicaid members over the age of 21. Molina Healthcare PLUS provides Medicaid members with their health care, plus care for behavioral health such as mental health, substance use disorders and rehabilitation.
What are the benefits of AARP membership?
You probably know that your AARP membership benefits include discounts on an array of products from home and car insurance, to tour packages and home security systems. But you may not realize how many — and what a wide variety — are on ...
What restaurants offer discounts to AARP members?
Restaurants that offer discounts include Bonefish Grill, McCormick & Schmick’s, and Outback Steakhouse.
What is AARP magazine?
As a member, you receive AARP The Magazine, which offers practical, usable advice on topics important to readers aged 50-plus. This includes info on health, money and wellness. Recent topics include exercising without breaking a sweat, raising funds fast and cutting your grocery bill by having a garden. Gee says she loves getting the magazine to learn about topics like scams targeted at older Americans, along with the latest info on Medicare and Social Security benefits. You can also access the magazine digitally by downloading the AARP Publications iPad app.
How many Americans take prescription drugs?
About 70% of Americans take at least one prescription drug, and 20% take five or more. The cost of these medications adds up, so why not save? The AARP® Prescription Discounts offers savings to AARP members and their spouses and dependents on drugs not covered by your current prescription insurance or Medicare Part D. The savings average up to 61%.
How to get more for your money with AARP?
Loyalty programs from airlines, credit card issuers, and retailers are a great way to live large and get more for your money. AARP offers several ways to maximize your rewards. You also can link your AARP membership card to your Walgreen’s Balance Rewards account to earn 50 points for every $1 you spend in the store.
Does AARP give you a discount on pet insurance?
Fido and Muffy cheer you up, crack you up, and maybe even motivate you to exercise more. AARP allows you to keep your furry family members healthy with up to a 10% member discount on pet health insurance (when you enroll online) plus a $35 prepaid Petplan Visa® Prepaid Card you can use at your next vet visit.
Does AARP have free games?
You don’t have to let apps and games drain your bank account a buck at a time. AARP offers free online games for members. Enjoy lots of classics from backgammon to daily jigsaw puzzles and mahjongg to solitaire. Some games are available to anyone, while others are for AARP members only.
What is an ILS?
In Lieu of Services (ILS) are other physical and behavioral health services you may receive instead of those covered by your Medicaid state plan. ILS services: Are cost-effective substitutes for covered services and settings. Are approved by the State. Help us give you more options for your care.
What is a harp?
Health and Recovery Plan (HARP) HARP is the Empire Health and Recovery Plan. This type of plan provides members with their regular Medicaid health care benefits, plus extra care for behavorial health needs, like mental health and substance use treatment services. You may be eligible for HARP through Empire if you:
How to contact Liberty Dental?
To find or change your dentist, call LIBERTY Dental at 1-833-276-0847, or visit their website.
What is the number to call a nurse at a hospital?
or a Sunday afternoon, health issues come up. That’s why you can always call our 24/7 NurseLine and speak directly to a nurse. Call 1-800-300-8181 (TTY 711) anytime, day or night.
What can a care manager do for you?
You can also get a care manager who will make sure you get the medical, behavioral health and social services you need. They can help you make appointments, find housing and food assistance and more.
What is behavioral health?
Behavioral health care includes mental health and substance use treatment services. You have access to services that can help you with emotional health. You can also get help with alcohol or other substance use issues.
How long before a medical appointment can you ride?
You can get no-cost rides to your medical appointments. You or your provider should call to schedule your ride at least three days before your appointment.
