Immigrating Greeks who wanted to maintain their Greek Orthodox practices founded the Saints Constantine & Helen Greek Orthodox Church in Palos Hills, Illinois, in the early 1900s. Offering a wide variety of social, cultural, and educational programs, the church supports its community in a variety of ways. Chicago real estate closing attorney Robert Lattas serves on the Parish Counsel at the church. Dedicated to the parish, Robert Lattas regularly participates in church activities and activities at the church’s full-time day school, Koraes Elementary.
Founded in 1910, Adamantios Koraes Elementary promotes cultural awareness, intellectual growth, social responsibility, and ethical values. Recognized by the Illinois State Board of Education, Koraes Elementary provides a complete program for students from kindergarten to eighth grade and serves any Orthodox children. The Ministry of Education of Greece and the Greek Orthodox Archdiocese also recognize the school.
Koraes Elementary School builds critical thinking skills and individuality among its students through its challenging and complex curriculum. Through the bilingual language arts program, students learn effective communication, and the small class sizes allow for plenty of one-on-one time between students and teachers. Koraes Elementary creates a safe and nurturing environment that builds intellectual strength and individuality.
Robert Lattas, a Chicago real estate attorney, has more than 10 years’ experience representing real estate developers and homebuyers in property transactions. He was featured as one of Chicago’s premier real estate attorneys in a 2008 publication of Real Estate Executive. Due to Mr. Lattas’ reputation for providing a high level of service, his business has grown and his practice currently includes five additional attorneys.
Now that mortgage rates have dropped to historic lows, many homeowners are considering refinancing their homes at a lower interest rate. Although a properly structured deal can save owners money over the life of the loan, there are many points to consider before seeking to refinance.
First, credit requirements remain stringent, so some homebuyers who previously qualified may find their applications rejected in the tighter credit market. Others may be approved for a loan, only to find that their homes have lost value and now do not appraise at the minimum threshold needed to qualify for a refinance. If homeowners plan to sell their home within a few years, the cost of a refinance may outweigh the savings. Another factor to consider is that refinancing often extends the mortgage repayment period. For example, someone who intended to have his or her mortgage paid off by age 60 may now have to make payments until age 70.
Loan modifications, sometimes known as mortgage modifications, revise the original terms of home mortgages to allow extended repayment terms, decreased interest rates, or the addition of past due amounts to the loan. With more than 10 years of experience, Robert Lattas serves as a real estate attorney at the Law Office of Robert Lattas in Chicago, Illinois. Dedicated to helping clients in need, he offers a wide range of legal services, including assisting clients with loan modifications.
Based on the Home Affordable Modification Program (HAMP), homeowners are eligible for loan modifications if they have loans through Freddie Mac or Fannie Mae that began before January 1, 2009, and they have mortgage payments that are unaffordable. Through HAMP, homeowners receive modifications on a trial basis, during which time they must make modified payments on time for at least three months before the loan modification becomes permanent. To qualify for the Federal Government Loan Modification program, homeowners must be late on at least three of their last four payments, live in the house as their primary residence, and not have a bankruptcy filing.
Several different types of loan modifications are available to homeowners, including refinancing the loan, extending the term, switching from an adjustable interest rate to a fixed rate, and lowering the total amount of the loan. Some lenders also allow homeowners to skip some payments and make them up at the end of the loan term. When filing for a modification, homeowners should regularly check on the status of the process and gather the necessary information to show their ability to repay a modified loan.
Based in Chicago, the Law Office of Robert D. Lattas assists clients with business law and real estate matters. In addition to operating his legal practice and counseling clients, Robert Lattas has spent more than a decade as an educator. He has taught courses in accounting, management, and law at institutions such as Nova Southeastern University, Moraine Valley Community College, and DePaul University. Here are two methods for teachers to build better relationships with their students.
Get to know students better outside of class. Interacting with students not just on an educational level, but also on a social and personal level, may form valuable connections. Building rapport with students can help students to perform better academically, as they will be more invested in the class. Additionally, mentor relationships can be as rewarding for teachers as they are for students.
Welcome feedback in the classroom. When students feel as though they have a voice and can provide feedback as to how the classroom is conducted, this creates a more amicable and respectful relationship between teacher and student. When pupils’ opinions are valued and taken into consideration, the classroom becomes a happier and more effective learning environment.