Last March, there were six disturbances, one burglary and one criminal mischief report

that took place and was reported on my block! The month before there was one

assault reported.How do I know this? It’s because I am an active member of the Cellular on Patrol program and I’m in regular contact with the SAPD officers who patrol our neighborhood.

Volunteers to Patrol Our Neighborhood

I am looking to make our neighborhood safer but I need your help.Too often I hear "the police are never around when you need them". I would like to set up an active patrol to monitor our neighborhood and you can be an integral part.This patrol would be the "eyes and ears" of the police department and we will be able to give our police officers better intelligence on where the problems in our neighborhood are.

 

If you are tired and frustrated that concerns are not being addressed and want to be

part of the solution, please call me at 226-6272.  I look forward to hearing from you.

Kevin Cloonan

return to Issues index page

Cellular On Patrol Classes...

take place at the Central Substation, 515 S. Frio. The class is very informative and gives you the viewpoint of what the police officer sees and the information he or she receives. A ride along with a patrol officer lets you experience first hand what goes on in your neighborhood.

 

If you have any questions regarding the COP class or other crime prevention programs, please contact AVNA Member Kevin Cloonan (email kcloonan@flash.net) or Felipe Santos at 207-7413.

REVERSE MORTGAGES: 

UNDERSTANDING THE BASICS

Stay in your home with peace of mind

     Many older Americans facing retirement want to find a way to increase their monthly income.  Today, more than ever before, there are new and innovative home ownership options that can help seniors optimize cash flow and promote peace of mind.  One option, the federally-insured, variable Home Equity Conversion Mortgage (HECM) enables seniors to borrow against the equity in their home without repaying the debt for as long as they live in the house.  That's the “reverse” part of this kind of mortgage loan.  Instead of making monthly payments, you can opt to receive them.  When you take out a reverse mortgage, nothing happens to your home.  You remain the owner for as long as you live there, and you will never be forced to move.  If you decide to sell or move from your home, the outstanding balance of your reverse mortgage would become due, just as it would with a traditional mortgage.  Unlike a traditional mortgage, however, your balance can never exceed the value of your home when you sell it.

     To be eligible for a HUD reverse mortgage program, HUD requires that the homeowner live in the home as his or her primary residence, be at least 62 years of age or older and own the home free and clear, or only have a low remaining mortgage balance that can be paid off at the closing with proceeds from the reverse loan.  As a key consumer protection, all borrowers are required to participate in a free educational session with a HUD-approved counselor in order to determine if a reverse mortgage is the best option.