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	<title>Oak Park Regional Housing Center</title>
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	<link>http://www.oprhc.org</link>
	<description>Promoting a Landscape of Justice in Oak Park, Western Cook County, and Beyond</description>
	<lastBuildDate>Mon, 08 Aug 2011 18:36:23 +0000</lastBuildDate>
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		<title>Save the Date &#8211; 2011 Annual Benefit on October 6</title>
		<link>http://www.oprhc.org/2011/08/418/</link>
		<comments>http://www.oprhc.org/2011/08/418/#comments</comments>
		<pubDate>Mon, 08 Aug 2011 18:22:22 +0000</pubDate>
		<dc:creator>Rob Breymaier</dc:creator>
				<category><![CDATA[Events]]></category>
		<category><![CDATA[OPRHC News]]></category>

		<guid isPermaLink="false">http://www.oprhc.org/?p=418</guid>
		<description><![CDATA[Click the image for more. Celebrate the Diversity of our Community as the Housing Center honors Sandra Sokol and Mary Jo Schuler at our Annual Benefit. Music by the Localvores. Raffle Prizes include an iPad2. Tickets available at our secure PayPal widget on the right &#8211;&#62;.]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.oprhc.org/wp-content/uploads/2011/08/2011AnnualBenefitSavetheDate2.jpg"><img class="size-full wp-image-423 alignright" title="2011AnnualBenefitSavetheDate" src="http://www.oprhc.org/wp-content/uploads/2011/08/2011AnnualBenefitSavetheDate2.jpg" alt="" width="629" height="446" /></a>Click the image for more.</p>
<p>Celebrate the Diversity of our Community as the Housing Center honors <strong>Sandra Sokol</strong> and <strong>Mary Jo Schuler</strong> at our Annual Benefit.</p>
<p>Music by the <a href="http://soundcloud.com/search?q[fulltext]=localvores" target="_blank">Localvores</a>.</p>
<p>Raffle Prizes include an iPad2.</p>
<p>Tickets available at our secure PayPal widget on the right &#8211;&gt;.</p>
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		<title>Thanks for a Great Public Forum! PowerPoint now available.</title>
		<link>http://www.oprhc.org/2011/06/thanks-for-a-great-public-forum-powerpoint-now-available/</link>
		<comments>http://www.oprhc.org/2011/06/thanks-for-a-great-public-forum-powerpoint-now-available/#comments</comments>
		<pubDate>Thu, 09 Jun 2011 15:30:58 +0000</pubDate>
		<dc:creator>Rob Breymaier</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.oprhc.org/?p=411</guid>
		<description><![CDATA[Thanks to a great panel and a wonderful audience, the Housing Center held a successful public forum last night on diversity and inclusion in Oak Park. There were a lot of great insights and questions to consider. Everyone involved agreed with the sentiment that we&#8217;re hoping this forum will be the beginning of a long-term [...]]]></description>
			<content:encoded><![CDATA[<p>Thanks to a great panel and a wonderful audience, the Housing Center held a successful public forum last night on diversity and inclusion in Oak Park. There were a lot of great insights and questions to consider. Everyone involved agreed with the sentiment that we&#8217;re hoping this forum will be the beginning of a long-term dialogue on diversity and inclusion in Oak Park. Thanks to everyone who presented and attended.</p>
<p>Many of you asked for a copy of the PowerPoint presentation from our Executive Director, Rob Breymaier. It is attached here for your convenience.</p>
<p><a href="http://www.oprhc.org/wp-content/uploads/2011/06/Future-of-Diversity-and-Inclusion.pptx">Future of Diversity and Inclusion</a></p>
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		<title>Join us for a Public Forum on Diversity and Oak Park&#8217;s Future</title>
		<link>http://www.oprhc.org/2011/05/join-us-for-a-public-forum-on-diversity-and-oak-parks-future/</link>
		<comments>http://www.oprhc.org/2011/05/join-us-for-a-public-forum-on-diversity-and-oak-parks-future/#comments</comments>
		<pubDate>Mon, 23 May 2011 15:56:25 +0000</pubDate>
		<dc:creator>Rob Breymaier</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.oprhc.org/?p=402</guid>
		<description><![CDATA[]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.oprhc.org/wp-content/uploads/2011/05/June-8-Public-Forum-Flyer1.jpg"><img class="alignnone size-full wp-image-404" title="June 8 Public Forum" src="http://www.oprhc.org/wp-content/uploads/2011/05/June-8-Public-Forum-Flyer1.jpg" alt="" width="536" height="693" /></a></p>
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		<title>Village of Oak Park offers new program for small rental properties</title>
		<link>http://www.oprhc.org/2010/12/village-of-oak-park-offers-new-program-for-small-rental-properties/</link>
		<comments>http://www.oprhc.org/2010/12/village-of-oak-park-offers-new-program-for-small-rental-properties/#comments</comments>
		<pubDate>Tue, 07 Dec 2010 21:22:48 +0000</pubDate>
		<dc:creator>Rob Breymaier</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.oprhc.org/?p=390</guid>
		<description><![CDATA[The Village of Oak Park Housing Programs Division is pleased to announce that beginning in 2011 we will offer a Small Rental Properties Rehabilitation Loan Program. Rental properties with fewer than eight units may be eligible for forgivable loans of up to $5,000 per unit. General property repairs, unit upgrades and energy efficiency improvements are [...]]]></description>
			<content:encoded><![CDATA[<p>The Village of Oak Park Housing Programs   Division is pleased to announce that beginning in 2011 we will offer a Small Rental Properties Rehabilitation Loan Program. Rental properties with fewer than eight units may be eligible for <span style="text-decoration: underline;">forgivable</span> loans of up to $5,000 per unit. General property repairs, unit upgrades and energy efficiency improvements are types of eligible improvements.</p>
<p>An informational meeting for <strong>property owners</strong> will be held on Tuesday,  December 14, 2010 at 7:00  pm in the Council Chamber at Oak Park Village Hall, 123 Madison Street, Oak Park, Illinois.   Feel free to contact us at 708 358 5410 or <a href="mailto:housing@oak-park.us">housing@oak-park.us</a> if you have any questions.</p>
<p><strong>Contractors </strong>interested in working on these projects are invited to attend a contractors meeting on Monday, December 13, 2010 at 3:00 pm in the Council Chamber at Oak Park Village Hall, 123 Madison   Street, Oak Park, Illinois.   Feel free to contact us at 708 358 5410 or <a href="mailto:housing@oak-park.us">housing@oak-park.us</a> if you have any questions</p>
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		<title>Employer-Assisted Housing initiative begins in the Western Suburbs</title>
		<link>http://www.oprhc.org/2010/07/housing-center-major-partner-with-the-metropolitan-planning-council/</link>
		<comments>http://www.oprhc.org/2010/07/housing-center-major-partner-with-the-metropolitan-planning-council/#comments</comments>
		<pubDate>Thu, 22 Jul 2010 16:34:41 +0000</pubDate>
		<dc:creator>wsenger</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[OPRHC News]]></category>

		<guid isPermaLink="false">http://www.oprhc.org/?p=341</guid>
		<description><![CDATA[The Housing Center has joined forces with other partner agencies including the Metropolitan Planning Council to promote employer-funded housing in the western suburbs.  On July 13th, 2010, details of the Charter One Workforce Housing Initiative were discussed among local employers and other social service organizations.   Here is the full article.]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.oprhc.org/wp-content/uploads/2010/07/WCHC-Logo-1.jpg"><img class="alignleft size-medium wp-image-350" title="WCHC Logo 1" src="http://www.oprhc.org/wp-content/uploads/2010/07/WCHC-Logo-1-300x231.jpg" alt="" width="300" height="231" /></a>The Housing Center has joined forces with other partner agencies including the <strong>Metropolitan Planning Council </strong>to promote employer-funded housing in the western suburbs.  On July 13th, 2010, details of the <strong>Charter One Workforce Housing Initiative </strong>were discussed among local employers and other social service organizations.   <a href="http://www.metroplanning.org/news-events/article/5924">Here is the full article. </a></p>
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		<title>Housing Center Takes a Lead in Promoting Regional Equity Efforts</title>
		<link>http://www.oprhc.org/2010/06/housing-center-takes-a-lead-in-promoting-regional-equity-efforts/</link>
		<comments>http://www.oprhc.org/2010/06/housing-center-takes-a-lead-in-promoting-regional-equity-efforts/#comments</comments>
		<pubDate>Thu, 17 Jun 2010 16:55:03 +0000</pubDate>
		<dc:creator>wsenger</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.oprhc.org/?p=331</guid>
		<description><![CDATA[The Oak Park Regional Housing Center lead an initiative to host the first of six meetings with key elected officials, community leaders, and philanthropic organizations to promote public policies that would improve the integration and equitable opportunity in the Chicago region. This first meeting included elected officials from the western suburbs and discussed the need to ensure [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.oprhc.org/wp-content/uploads/2010/06/HUD_logo.jpg"><img class="alignright size-full wp-image-334" title="HUD_logo" src="http://www.oprhc.org/wp-content/uploads/2010/06/HUD_logo.jpg" alt="" width="150" height="149" /></a>The Oak Park Regional Housing Center lead an initiative to host the first of six meetings with key elected officials, community leaders, and philanthropic organizations to promote public policies that would improve the integration and equitable opportunity in the Chicago region. This first meeting included elected officials from the western suburbs and discussed the need to ensure that HUD and other federal agencies invest in activities that will foster sustainable and inclusive communities. The Housing  Center&#8217;s mission and programs are recognized as a national model to be considered in these efforts. These meetings are part of a collaborative effort between policy and grassroots organizations in the region and across the country.</p>
<p>This first round of meetings proved successful in increasing awareness of the need to affirmative further fair housing in the region. Key elected officials indicated an interest in joining the effort. Foundations have shown an interest in learning more. The Housing  Center will be working with its partners to continue the momentum and be following up with events and details on initiatives in the coming months.</p>
<p>For more information or to get involved in these efforts, please contact <strong><span style="color: #8f1e1e;">Rob Breymaier, Executive Director<span style="color: #800000;">,  at </span>rbreymaier@oprhc.org.</span></strong></p>
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		<title>Former Housing Center board member Glenn Brewer adds value to Village Board of Trustees</title>
		<link>http://www.oprhc.org/2010/04/former-housing-center-board-member-glenn-brewer-adds-value-to-village-board-of-trustees/</link>
		<comments>http://www.oprhc.org/2010/04/former-housing-center-board-member-glenn-brewer-adds-value-to-village-board-of-trustees/#comments</comments>
		<pubDate>Sat, 17 Apr 2010 22:12:40 +0000</pubDate>
		<dc:creator>wsenger</dc:creator>
				<category><![CDATA[OPRHC News]]></category>

		<guid isPermaLink="false">http://www.oprhc.org/?p=310</guid>
		<description><![CDATA[Glenn Brewer is an ardent supporter of the Oak Park Regional Housing Center and served as its Board President for several years.  He was recently profiled in the Wednesday Journal.   Oak Park trustee looks back on first year Glenn Brewer has no regrets, but some critics do By MARTY STEMPNIAK Staff Reporter Last week [...]]]></description>
			<content:encoded><![CDATA[<p>Glenn Brewer is an ardent supporter of the<strong> Oak Park Regional Housing Center </strong>and served as its Board President for several years.  He was recently profiled in the Wednesday Journal.  <span id="more-310"></span></p>
<p><span style="font-family: ARIAL, 'SANS SERIF'; color: #006633; font-size: large;"><strong>Oak Park trustee looks back on first year</strong></span></p>
<div id="attachment_312" class="wp-caption alignright" style="width: 160px"><a href="http://www.oprhc.org/wp-content/uploads/2010/04/Glenn-Brewer-picture.jpg"><img class="size-thumbnail wp-image-312" title="Glenn Brewer picture" src="http://www.oprhc.org/wp-content/uploads/2010/04/Glenn-Brewer-picture-150x150.jpg" alt="" width="150" height="150" /></a><p class="wp-caption-text">Photo by Jason Geil, staff photographer</p></div>
<p><span style="font-family: ARIAL, 'SANS SERIF'; color: #606060; font-size: small;"><em>Glenn Brewer has no regrets, but some critics do</em></span></p>
<p><span style="font-family: ARIAL, 'SANS SERIF'; color: #000000; font-size: x-small;"><strong>By MARTY STEMPNIAK</strong></span><br />
<span style="font-family: ARIAL, 'SANS SERIF'; color: #000000; font-size: x-small;"><strong>Staff Reporter</strong></span><br />
<span style="font-family: ARIAL, 'SANS SERIF'; color: #000000; font-size: x-small;"><span style="font-family: arial, helvetica, sans-serif;">Last week marked the one-year anniversary of the election of the current Oak Park village board. And it&#8217;s been a year of noteworthy decisions for the group, including the approval of lights at the high school&#8217;s football stadium and the green-lighting of a controversial 20-story hotel in downtown Oak Park.</span></span></p>
<p><span style="font-family: arial, helvetica, sans-serif;">Glenn Brewer was the lone fresh face of the four board members elected April 7, 2009. President David Pope and trustees Colette Lueck and John Hedges were incumbents vying for re-election. Last week, Wednesday Journal sat down with Brewer to hear some of his thoughts on his first year at the board table.</span></p>
<p><span style="font-family: arial, helvetica, sans-serif;">Just 12 months in, Brewer is catching the attention of his colleagues. Ray Johnson, on the board since 2003, praised Brewer for his ability to synthesize complex issues and weigh in on matters without getting longwinded.</span></p>
<p><span style="font-family: arial, helvetica, sans-serif;">&#8220;He brings common sense and thoughtfulness to his position,&#8221; Johnson said. &#8220;In very few words, he gets right to the heart to of the matter, and I think that&#8217;s his greatest skill. Sometimes, folks might over explain things, but Glenn is able to dig right into the issue.&#8221;</span></p>
<p><span style="font-family: arial, helvetica, sans-serif;">Brewer, 53, was first approached by the Village Manager Association political party about running for trustee eight months before the election. He had previously served on several other boards, including those of the Oak Park Regional Housing Center and Unity Temple. He currently works as a community affairs specialist for the Federal Deposit Insurance Corp.</span></p>
<p><span style="font-family: arial, helvetica, sans-serif;">Before getting elected in April, Brewer said two of his top challenges for the board were to &#8220;improve the organizational structure, staff competencies and efficiency of village hall,&#8221; along with maintaining a &#8220;thriving diverse community.&#8221;</span></p>
<p><span style="font-family: arial, helvetica, sans-serif;">One year later, Brewer says he is satisfied with how the board has performed since the election. He pointed to the board reinvigorating its system of committees &#8211; where trustees meet in small groups to flesh out certain issues &#8211; and the opening of a one-stop shop at village hall for people trying to open businesses as some accomplishments of the board and village hall in the past year. He says it&#8217;s still too early to say whether the 20-story hotel at Lake and Forest will be a success, as the project still needs to find financing.</span></p>
<p><span style="font-family: arial, helvetica, sans-serif;">Brewer believes the board has lived up to its promises of transparency pointing to amount of citizen comment and input.</span></p>
<p><span style="font-family: arial, helvetica, sans-serif;">&#8220;I think we&#8217;ve been good at reaching out and getting public input on our decisions,&#8221; he said.</span></p>
<p><span style="font-family: arial, helvetica, sans-serif;">Village hall still has progress to make in becoming more user-friendly for residents, Brewer said, cutting down on wait times and making each trip there more efficient.</span></p>
<p><span style="font-family: arial, helvetica, sans-serif;">Gary Schwab, who ran for village president against Brewer and his running mates, criticized the village board for its performance over the past year. All seven members are from the same political party, and, too often, trustees vote in &#8220;lock step,&#8221; without any disagreement. He believes the board &#8220;makes up the rules&#8221; as it goes along, pointing to the board approving a sale of a vacant building to Pan&#8217;s Food Center to create a parking lot, when the village had previously rejected a similar plan.</span></p>
<p><span style="font-family: arial, helvetica, sans-serif;">&#8220;All the sudden a parking lot is OK because they need the money,&#8221; Schwab said. &#8220;They make up the rules as they go along, and there is not any discussion.&#8221;</span></p>
<p><span style="font-family: arial, helvetica, sans-serif;">Schwab also criticized the board for earmarking TIF dollars to the hotel project, while not meeting all its obligations of paying out money to other taxing bodies. He said the one-stop business center was a positive, but it was an old idea that was in place previously.</span></p>
<p><span style="font-family: arial, helvetica, sans-serif;">Trustee John Hedges says people may not agree with how the board votes, but he believes its members do their homework and take their time in making decisions. He agrees the board can occasionally be too cohesive.</span></p>
<p><span style="font-family: arial, helvetica, sans-serif;">&#8220;Sometimes I wish there was a little more pushback from people, because we think a little too much alike, but that&#8217;s what happens when you head in this direction,&#8221; he said. &#8220;We kind of have the same philosophy of what local government should be like and how we should deal with issues, so there&#8217;s not very much disagreement on the board.&#8221;</span></p>
<p><span style="font-family: arial, helvetica, sans-serif;">Hedges said that Brewer is sometimes quiet at the board table, but he went through the same thing in his first year, as he caught up and learned how to do the job. Brewer admitted that it&#8217;s been a steep learning curve on certain issues, such as Oak Park&#8217;s tax increment financing districts.</span></p>
<p><span style="font-family: arial, helvetica, sans-serif;">&#8220;From Glenn&#8217;s perspective, I&#8217;m sure he&#8217;s still learning because I&#8217;m still learning,&#8221; Johnson said. &#8220;That&#8217;s one of the greatest aspects of the job; it&#8217;s never dull and it enriches you in ways that can surprise you sometimes.&#8221;</span></p>
<p><span style="font-family: arial, helvetica, sans-serif;">Besides making village hall friendlier to residents, Brewer says he also wants to see Oak Park work to attract more businesses, especially those that are locally owned. In addition, he wants the board to work with the village manager to make sure spending stays in check.</span></p>
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		<title>Breymaier honored by the prestigious Woodstock Institute for contributions to Community Reinvestment</title>
		<link>http://www.oprhc.org/2010/03/httpswww-policyarchive-orgbitstreamhandle1020718304woodstock-gifbreymaier-honored-by-the-prestigious-woodstock-institute-for-contributions-to-community-reinvestment/</link>
		<comments>http://www.oprhc.org/2010/03/httpswww-policyarchive-orgbitstreamhandle1020718304woodstock-gifbreymaier-honored-by-the-prestigious-woodstock-institute-for-contributions-to-community-reinvestment/#comments</comments>
		<pubDate>Sat, 27 Mar 2010 01:16:25 +0000</pubDate>
		<dc:creator>wsenger</dc:creator>
				<category><![CDATA[Events]]></category>
		<category><![CDATA[OPRHC News]]></category>

		<guid isPermaLink="false">http://www.oprhc.org/?p=289</guid>
		<description><![CDATA[The Housing Center&#8217;s Executive Director, Rob Breymaier will receive an  award at the Woodstock Institute&#8217;s 2010 Community Investment Reception  on April 1st. Rob has been a member of the Illinois Community Investment  Coalition&#8217;s Steering Committee for 5 years. He has provided a strong  voice to ensure that community reinvestment activities benefit people of  color. Among [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.oprhc.org/wp-content/uploads/2010/03/woodstock-logo.gif"><img class="alignright size-full wp-image-291" title="woodstock logo" src="http://www.oprhc.org/wp-content/uploads/2010/03/woodstock-logo.gif" alt="woodstock logo" width="120" height="117" /></a>The Housing Center&#8217;s Executive Director, <strong>Rob Breymaier</strong> will receive an  award at the <strong>Woodstock Institute&#8217;s 2010 Community Investment Reception  on April 1st</strong>. Rob has been a member of the Illinois Community Investment  Coalition&#8217;s Steering Committee for 5 years. He has provided a strong  voice to ensure that community reinvestment activities benefit people of  color. Among other achievements, Rob led a successful 2008 effort to  ensure that Fannie Mae and others did not implement policies akin to  redlining by altering underwriting standards based on geography.</p>
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		<title>Homeownership Program passes the 500 Clients Served Mark!</title>
		<link>http://www.oprhc.org/2010/03/homeownership-program-passes-the-500-clients-served-mark/</link>
		<comments>http://www.oprhc.org/2010/03/homeownership-program-passes-the-500-clients-served-mark/#comments</comments>
		<pubDate>Sat, 27 Mar 2010 01:04:35 +0000</pubDate>
		<dc:creator>wsenger</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[OPRHC News]]></category>

		<guid isPermaLink="false">http://www.oprhc.org/?p=287</guid>
		<description><![CDATA[Over the past 2 and a half years, the Housing Center&#8217;s West Cook Homeownership Center has helped over 500 households preparing for homeownership, struggling with possible foreclosure, and improving their finances.  Our experienced staff is ready to help you 6 days a week.  For more information, visit our website at http://www.westcookhomeownership.org, or call Marz Timms, [...]]]></description>
			<content:encoded><![CDATA[<p>Over the past 2 and a half years, the Housing Center&#8217;s West Cook Homeownership Center has helped over 500 households preparing for homeownership, struggling with possible foreclosure, and improving their finances.  Our experienced staff is ready to help you 6 days a week.  For more information, visit our website at <a href="http://www.westcookhomeownership.org">http://www.westcookhomeownership.org</a>, or call Marz Timms, Program Director, at 708-848-7150, ext. 116.  <strong> </strong></p>
<p><strong> </strong></p>
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		<title>Woodstock Institute Predicts Continued High Foreclosure Rates; Franklin Park has Highest Increase in Western Cook County</title>
		<link>http://www.oprhc.org/2010/03/woodstock-institute-predicts-continued-high-foreclosure-rates-franklin-park-has-highest-increase-in-western-cook-county/</link>
		<comments>http://www.oprhc.org/2010/03/woodstock-institute-predicts-continued-high-foreclosure-rates-franklin-park-has-highest-increase-in-western-cook-county/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 02:21:36 +0000</pubDate>
		<dc:creator>wsenger</dc:creator>
				<category><![CDATA[Fair Housing]]></category>
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		<description><![CDATA[The Franklin Park Herald-Journal reports on a troubling trend of foreclosure rates. Several factors, including housing values and the subprime loan industry offer insights into Franklin Park&#8217;s dilemma as well as warning signs in other suburbs. March 11, 2010 By MARK LAWTON mlawton@pioneerlocal.com Foreclosures in Franklin Park have continued a five-year increase, going up 49 [...]]]></description>
			<content:encoded><![CDATA[<p>The <strong><em>Franklin Park Herald-Journal </em><span style="font-weight: normal;">reports on a troubling trend of foreclosure rates. Several factors, including housing values and the subprime loan industry offer insights into Franklin Park&#8217;s dilemma as well as warning signs in other suburbs. </span></strong></p>
<p><strong>March 11, 2010 </strong></p>
<p><strong>By <a href="mailto:mlawton@pioneerlocal.com">MARK LAWTON</a> mlawton@pioneerlocal.com</strong></p>
<p>Foreclosures in Franklin Park have continued a five-year increase, going up 49 percent from 2008 to 2009, according to the nonprofit Woodstock Institute. That&#8217;s the largest increase of 13 west Cook County suburbs.</p>
<p>Foreclosures are when a homeowner can&#8217;t make payments on a home loan and the bank or other lender takes legal action to repossess the house.</p>
<p>In Franklin Park, the number of foreclosures has grown 410 percent from 2005 to 2009.</p>
<p>Rob Breymeier, executive director of the Oak Park Regional Housing Center, speculates that Franklin Park has seen an increase due to a large number of first-time homebuyers and a high Latino population.</p>
<p>&#8220;Folks who are most likely to be taken advantage of are on the edge of what they can afford,&#8221; Braymeier said.</p>
<p>The increase in foreclosures has its roots in the subprime (above market rate) loan industry.</p>
<p>Initially, said Braymeier, a number of homebuyers borrowed from subprime lending institutions and had to pay more for the loan than the market rate.</p>
<p>&#8220;In many cases, these were people who were qualified for better loans but got subprime loans mostly because of race and ethnicity,&#8221; Breymeier said.</p>
<p>&#8220;It was much more prevalent in the African American and Latino communities.&#8221;</p>
<p>According to the U.S. Census Web site, more than one third of the residents in Franklin Park are of Latino ancestry.</p>
<p>&#8220;Then the market went beyond those two groups and started to provide exotic types of loans to people that weren&#8217;t intended for those types of loans,&#8221; Breymeier said. &#8220;Such as adjustable rate mortgage loans. It was fine for people who were getting a large increase in income in the short term, like doctors and lawyers who were just out of school.&#8221;</p>
<p>Such loans still worked for many people while housing values were increasing. Then, in 2006, housing values stopped increasing.</p>
<p>&#8220;People were in real trouble,&#8221; Breymeier said. &#8220;They were betting on their homes increasing in value. No refinancing was allowed. Also, the banks started tightening up their lending criteria based on the fact that the market was crumbling.&#8221;</p>
<p>The poor economy of the last couple years has only exacerbated the problem, causing homeowners to lose their jobs and income.</p>
<p>The priority of the Franklin Park government is to make sure foreclosed homes are maintained so properties don&#8217;t get vandalized, said Jeff Eder, director of community development.</p>
<p>&#8220;So they don&#8217;t stand out like sore thumbs,&#8221; Eder said. Last year, village trustees passed an ordinance requiring owners of foreclosed properties &#8212; banks, lenders &#8212; to notify the village.</p>
<p>Kurt Kugelberg, a Franklin Park resident who serves on the village Plan Commission and is a former urban planner, suggests the village government apply for federal stimulus funds so it can buy foreclosed properties.</p>
<p>&#8220;Either tear it down and sell it to the lot next door or restore them and sell them,&#8221; Kugelberg said.</p>
<p>The city of Northlake has also seen an increase in foreclosures. From 2008 to 2009, foreclosures increased from 127 to 172.</p>
<p>&#8220;It drives everybody&#8217;s property values down,&#8221; said Mayor Jeff Sherwin. &#8220;When houses are eventually sold, they are sold for much less.&#8221;</p>
<p>In the interim, the city&#8217;s public works department takes on maintenance &#8212; which costs the city time and money.</p>
<p>Geoff Smith, senior vice president of the Woodstock Institute, expects foreclosures to continue to remain high. The fourth quarter of 2009 saw the highest number of foreclosure filings since the mortgage crisis began.</p>
<p>&#8220;The economy is a weird and tricky thing,&#8221; said Smith. &#8220;We can see the gross domestic product and stock market going up. That doesn&#8217;t translate into jobs necessarily. Jobs tend to be the last thing to recover in a recession.&#8221;</p>
<p>In the meanwhile, Smith suggests the focus be on ways to keep people in their homes.</p>
<p>&#8220;If you let a person stay in a property, they have a place to live,&#8221; Smith said. &#8220;From a lender perspective, if they want to sell at some point, they have someone maintaining it.&#8221;</p>
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