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CrossRoadsNews

Finance

“According to the housing report issued by Zillow, it is estimated that as much as 43 percent of homes in the Atlanta area have negative equity.”

$25,000 home improvement loans available

Johnson talks business in East DeKalb DeKalb Commissioner Mereda Davis Johnson will present the “State of Business in East DeKalb Address” at the Greater Lithonia Chamber of Commerce’s Third Wednesday luncheon on Jan. 20. The GLCC’s fifth annual event begins at 11:30 a.m. in the banMereda Johnson quet room of This Is It in Lithonia. Visit greaterlithoniachamber.com for reservations. In her keynote address, Johnson will provide an economic overview of the Commission District 5 that she has represented since being elected in July 2015. The district has more than 140,000 constituents. Johnson, a resident of South DeKalb for three decades, has been a practicing attorney for more than 33 years, concentrating in the area of family law. In 1985, she became the first black female judge appointed in DeKalb County courts. At the time of her historic appointment, she had practiced law for less than three years. She is a co-founding partner with the law firm of Johnson Hopewell Coleman LLC. This Is It is at 2853 Panola Road. For more information, call 770-4821808.

Homeowners who want to improve and spruce up their homes can apply for funding from the $25 million FHA Title I Home Improvement Loan Fund. Brooks and Associates LLC, a Lithoniabased construction management company, and Boston-based Admirals Bank, a leading national provider of the FHA Title I Home Improvement Loans, are offering the loans that can be used for general home improvements including remodeling, roofing, siding, sunrooms, garages, basements, kitchens and bathroom replacement or upgrades. Qualified homeowners must have been in their home three to five years, have a 640 credit score or spouse credit score of 600 or higher, and their total monthly debt must not exceed 45 percent of income. Percy Brooks III, founder and CEO of Brooks and Associates, said they are lending $25,000 per loan to qualified households and that loans can close within 15 business days. “We offer qualified licensed and insured home improvement contractors that guaran-

More than 19 employers already have confirmed for the Diversity Job Expo and Job Fair on Jan. 20 at the Community Achievement Center in Decatur. Admiration Lodge No. 25 and DeKalb Super District 7 Commissioner Stan Watson are co-hosting the event that takes place from 1 to 5 p.m. It’s the second job fair that Watson and Admiration Lodge have co-sponsored. More than 159 job hunters attended the January 2015 job fair, also at the CAC. Among the confirmed employers are the Centers for Disease Control and Prevention,

Notice of Public Hearings Notice is hereby given that the Board of Directors of the Metropolitan Atlanta Rapid Transit Authority will hold public hearings for the purpose of considering the

Revised Fare Policy and Proposed Bus Service Modifications for April 16, 2016 Proposed routing and/or adjustments and new service for the following bus routes: Route 9: Toney Valley/Peachcrest Road; Route 24: East Lake/Hosea Williams Drive; Route 34: Gresham Road/Clifton Springs; Route 73: Fulton Industrial; Route 86: Fairington Road/McAfee Road; Route 99: Boulevard/Monroe Drive; Route 140: North Point/Mansell Park & Ride; Route 143: Windward Park & Ride; Route 172: Sylvan Road/Virginia Avenue; Route 185: Alpharetta/Holcomb Bridge Road. Revised Fare Policy: In accordance with the Federal Transit Administration, MARTA adopted a revised fare policy that governs fare changes. The 2013 policy is being updated and requires public input.

All route information, a video presentation and comment forms are available at www.itsmarta.com

Tuesday, Jan. 19th

Tuesday, Jan. 19th

Thursday, Jan. 21st

Clayton State University Student Activity Center

Decatur Recreation Center

Fulton County Government Center Assembly Hall

Community Exchange: 6-7 p.m.

HEARING: 7 p.m.

Riding MARTA: Route 193/shuttle will be provided from bus stop to Student Activity Center.

teed their work,” he said. Borrowers don’t have to use Brooks & Associates contractors, but he said all contractors must have a license and insurance. “We will provide project management,” he said. The federally insured Percy Brooks III program offers both secured and unsecured loans for home improvement and renewable energy projects. “This FHA Insured loan does not require equity or appraisals to close,” Brooks said. Robert Briden, Admirals Bank’s Mortgage Lending director, said they recognize that financial institutions need to help address the development needs of cities across the country, especially the financing needs of homeowners with little or no equity. “According to the most recent housing report issued by Zillow, it is estimated that as much as 43 percent of homes in the Atlanta area have negative equity,” said Briden, also an

Admirals senior vice president. “The bank can leverage its unique position to offer assistance where insurance and other home improvement loans may not be available due to the typical 80 percent cap on home equity lending.” Brooks said his company, which offers public and private sector residential housing services, recognizes the need for a safe fixed rate home improvement loan program. “The FHA Title I Loan is a unique, safe fixed rate program with flexible terms up to 20 years,” he said. Clients include homeowners, hedge funds, housing authorities, real estate trade associations, nonprofit/community development corporations and financial institutions. Admirals Bank has done more than 300,000 FHA Title I loans. “It is clearly the most experience based on the volume of cases it has had endorsed by FHA,” Brooks said. Visit www.facebook.com/brooksandassociatesllc or contact Brooks at percybrooks. meb@live.com or 404-218-6445.

Lots of employers with jobs for Jan. 21 Job Fair

METROPOLITAN ATLANTA RAPID TRANSIT AUTHORITY

Ball Room A, 2000 Clayton State Blvd., Morrow, GA 30260

January 16, 2016

231 Sycamore St., Decatur 30030

Community Exchange: 6-7 p.m.

HEARING: 7 p.m.

Riding MARTA: Decatur Rail Station.

141 Pryor Street Atlanta, GA 30303

Community Exchange: 6-7 p.m.

HEARING: 7 p.m.

4181.

Wells Fargo Bank, DeKalb Sheriff ’s Office, the county’s Human Resources Department, General Services Administration, Georgia Department of Public Safety, and Diaz Foods. Job hunters should wear professional attire and bring plenty of resumes. Kelly Cato, Watson’s program manager, said the companies and employers have job openings and that some will interview on the spot and make job offers. The center is at 4522 Flat Shoals Parkway. For more information, contact Miguel Ramos at Ramosmi78@gmail.com or call 678-907-

CVS job fair on Candler Road The CVS drugstore on Candler Road is hosting its first job fair on Jan. 30. Positions available include sales associates, pharmacy technicians and stock clerks in Decatur, Tucker and around metro Atlanta. The job fair takes place from 1 to 3 p.m. Job hunters should bring resumes. They also can visit http://jobs.cvshealth.com. The store is at 2458 Candler Road in Decatur.

Small-business basics at Stonecrest

ner, associate director of Legislative, New and aspiring business ownEducation & Intergovernmental ers can attend “Entrepreneurship Affairs for the Minority Business 101” on Jan. 30 at the Stonecrest Development Agency, U.S. DepartLibrary in Lithonia. ment of Commerce, and BB&T The program begins at 11:30 Business Banking professionals. a.m. and is open to the first 145 The program will focus on participants. small-business development and The panel discussion will prowealth creation. It is co-sponsored vide new and prospective business by the DeKalb Public Library and owners with resources and infor- Justin Tanner mation related to successful and sustainable the National Coalition of 100 Black Women Inc.-Decatur/DeKalb Chapter. The library is business development and growth. Featured panelists include Justin G. Tan- at 3123 Klondike Road. Call 770-482-3828.

Registration open for voters Credit, ID monitoring Credit monitoring and identity protection services are now available for 6 million voters whose personal information was exposed by the Georgia Secretary of State’s Office. Secretary of State Brian Kemp says eligible voters can register for one year of free credit monitoring and identity restoration services at http://soswebadmin.sos.state.ga.us/. “While I am confident that every voters’ personal data is secure, these services are being offered to provide Georgia voters with peace of mind,” Kemp said on Jan. 7. The deadline to register is Feb. 14 and the

coverage lasts through Dec. 31, 2016. Eligible voters’ information appeared on the Oct. 13, 2015, voter list that was released to the media and political parties. Kemp said the CSID Protector Coverage includes credit monitoring, CyberAgent® Internet surveillance, change of address monitoring, and Social Security number trace. Identity restoration services will be provided to voters whose information was included on the list if their identity is stolen. No enrollment is required. Visit www.sos. ga.gov or call 404-654-6045.

Riding MARTA: Routes 32, 49, 55, 74 & 186.

Copies of the proposed Bus Service Modifications will also be available for public viewing at MARTA’s Headquarters Office of External Affairs, 2424 Piedmont Road, N.E. Atlanta, Georgia 30324 during regular business hours, Mon-Fri 8:30 a.m. to 5 p.m. For formats (FREE of charge) in accordance with the ADA and Limited English Proficiency regulations contact, (404) 848-4037. For those patrons requiring further accommodations, information can be obtained by calling the Telephone Device for the Deaf (TDD) at 404 848-5665. In addition, a sign language interpreter will be available at all hearings. If you cannot attend the hearings and want to provide comments you may: (1) leave a message at (404) 848-5299; (2) write to MARTA’s Office of External Affairs, 2424 Piedmont Road, N.E. Atlanta, GA 30324-3330; (3) complete an online Comment Card at www.itsmarta.com; (4) or fax your comments no later than Jan. 27, 2016 to (404) 848-4179. All citizens of the City of Atlanta and the counties of Fulton, DeKalb, Clayton and Gwinnett whose interests are affected by the subjects to be considered at these hearings are hereby notified and invited to appear at said times and places and present such evidence, comment or objection as their interests require.

Keith T. Parker, AICP, General Manager/CEO

“Come on and be a part of the vision” First Afrikan Church is an Afrocentric Christian Ministry that empowers women, men, youth and children to move from membership to leadership in the church, community and the world. Praise & Devotion Worship Service Sundays at 10 a.m. Join us for Bible Study Wednesdays at 7 p.m.

5197 Salem Road Lithonia, GA 30038

770-981-2601 “We are building far beyond our years.”

Rev. Dr. Mark A. Lomax

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CrossRoadsNews, January 16, 2015  

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