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October, November &
December 2010
Grandfamilies Relatives as Parents
Caregiver Quarterly Newsletter
Inside this issue:
Grandfamilies Staff:
Chris Bray
Executive Director
Jacci Graham, LCSW
Program Director
Anna-Lee Hernandez
Coordinator
Emily Redd
Coordinator
Jenny Williams
Coordinator
Nanette Evans
Information Management
Specialist
Melissa Youngman
Lead Children’s
Group Worker
Upcoming Events 2
Operation EDITH 3
Over-the-Counter Drug
Abuse
5
Cyberbullying 6
Losing Sleep Over Late-
Night Texting
8
Family Fun Activities 9
Solving the Puzzle 10
Getting Through the
Holidays One Day
11
Thank You 12
SLCAP Homeownership
Center
12
When Grandfamilies started eight years ago
our classes were quite small. Now we have a
waiting list for all our classes. Our Friend 2
Friend activities are being well attended and
we sincerely hope we are meeting the
needs of the families that we have the
privilege of serving.
One of our sponsors just started a new non-
profit organization. The founder of the non-
profit was over several of the venues at the
2002 Winter Olympics. He said it was so
disheartening when he attended the very
popular ice skating events and other popular
activities, to know they were sold out but
there were many vacant seats. He decided
at that time he was going to work with
entertainment and educational institutions to
see if there was a way he could provide
unused tickets to “at risk youth” and
organizations that serve special interest
clients. Grandfamilies is very pleased to be
one of the five agencies selected to pilot
this new program. We will be getting tickets
for sporting events, movies, theater, opera,
ballet, museums and other cultural events
that we can pass on to you through our
Friend 2 Friend activities.
The Utah County Project is still moving
forward. It looks as if we will be signing a
contract within the next month or so that will
enable Utah county to have their own
Grandfamilies Program. We have been
thrilled to work with the many supporting
agencies in Utah County and see their
enthusiasm to serve the families in their own
area.
As always, we are inspired with the unselfish
service that you provide to the children in
your care. We know they will be able to face
the difficulties of life much better in your
home than the home of a stranger.
This year Red Ribbon Week will be October
23—31, 2010. Keep an eye out for
activities at your child’s school.
I would like to thank the following
Grandfamilies clients: Grandmother Linda
and her two grandsons for agreeing to an
interview with Cristina Flores for Channel 2
Family Matters. They did a wonderful job
giving the community a peek into their lives
and the issues faced by kinship caregivers
and the children in their care. Grandmothers
Judy, Diana, Jayme and Aunt Dana for
speaking on the caregivers panel for the
University of Utah Drug and Alcohol
Summer Institute—Drug Endangered
Children. They shared their stories and
answered questions from the audience.
Grandparents Judy, Delia, Herb, Doug and
Aunt Karen along with the children in their
care for donating a day of their time to film
a Public Service Announcement for the
Grandfamilies Program. The PSA will run on
Comcast cable stations.
Jacci Graham
Program Director
From the Desk of Jacci Graham:
Page 2 October, November & December 2010
Upcoming Grandfamilies Events
Autumn is a
second spring
when every leaf
is a flower.
~ Albert Camus
Grandfamilies First Twelve-Week
Information and Support Group for
Relatives as Parents
(Salt Lake County)
Tuesday, Sept 14—Nov 30, 2010
6:30—8:30 p.m.
Hal J. Shultz Head Start Facility
336 East 3900 South
Salt Lake City, 84115
RSVP: Emily Redd
801-326-4371
Grandfamilies First Twelve-Week
Information and Support Group for
Relatives as Parents
(Tooele County)
Monday, Sept 13—Nov 29, 2010
6:30—8:00 p.m.
Tooele Head Start Building
222 North Coleman Street
Tooele
RSVP: Anna-Lee Hernandez
801-326-4394
Friend 2 Friend
(Salt Lake & Tooele Counties)
Events and locations to be announced.
Informative Web Sites
www.parentsempowered.org
www.thetruth.com
www.thecoolspot.gov
www.drugfree.org
www.theantidrug.com
www.teens.drugabuse.gov
www.drug-rehab.org
www.cdc.gov/parents
www.guidance.group.com
www.familyfunshop.com
Page 3 October, November & December 2010
If you must use
an escape
ladder, be sure
everyone knows
how to use it.
Operation EDITH (Exit Drills In The Home)
Source: www.wvcert.org
Would your family know how to escape if
there was a fire in your home? A home
escape plan is a plan to get out of the home
safely in case of a fire or other disaster.
Every household member should know two
ways out of each room in case one is
blocked by fire, smoke, or damage of some
kind.
Here are some easy steps for you to follow
in making your plan:
1. Get your family together and draw a
simple floor plan of your home. You can
use the grid on page 4.
2. Plan two ways out of each room. The
first way out should be the door and the
second way out could be another door
or a window.
3. Make sure doors and windows can be
opened easily. In a two-story building,
plan your escape through a window
onto a roof or porch. If you must use an
escape ladder, be sure everyone knows
how to use it.
4. Choose a special meeting place for all
family members outside the home and
mark it on the floor plan. A meeting
place should be something that always
stays in the same place, such as a tree,
telephone pole, or a neighbor’s home.
5. Make sure everyone understands the
planned escape routes.
6. Install smoke detectors on each level of
the home and outside each sleeping
area and test them regularly. If you sleep
with bedroom doors closed, make sure
everyone can hear the smoke detectors.
7. Have a fire drill at least twice a year.
Have family members practice using
their second way out as well as their
primary route.
8. If you live in an apartment, use the
stairs. Never use an elevator in case of
any disaster. If anything blocks your exit,
close your apartment door and cover all
cracks where smoke could enter.
Telephone the fire department, even if
fire fighters are already at the building,
and tell them where you are. Wave a
sheet or towel from the window to help
fire fighters find you.
9. If you live in a manufactured or mobile
home, follow the same steps. Keep all
exits clear and install detectors on
interior walls.
Rules to Live By:
Keep calm, when in doubt, don’t panic
If you smell smoke, wake everyone
Close doors against smoke and heat—
test all doors for heat before opening
If your room is filled with smoke, stay low
to the floor where you can breath
Never enter a burning building
Assemble at the special meeting place
For additional training or information
contact your local fire departments
prevention department.
Page 4 October, November & December 2010
___________________________ Family Escape Plan
Meeting Place
Kitchen Bedroom
Bedroom Living Room
Page 5 October, November & December 2010
Over-the-Counter Drug Abuse
Source: www.theantidrug.com
Teens are abusing some over-the-counter
(OTC) drugs, such as cough and cold
remedies, to get high. Many of these
products are widely available and can be
purchased at supermarkets, drugstores, and
convenience stores. Many OTC drugs that
are intended to treat headaches, sinus
pressure, or cold/flu symptoms contain the
active ingredient dextromethorphan (DXM)
and are the ones that teens are using to get
high. When taken in high does, DXM can
produce a “high” feeling and can be
extremely dangerous in excessive amounts.
Over-the-counter drug abuse also occurs
with laxatives, diuretics, emetics, and diet
pills, as teens try to achieve an idealized
weight. Young people may start taking just a
few diet pills but then graduate to full
addiction and dependence. Ephedrine,
caffeine, and phenylpropranolamine are just
some of the dangerous and addictive
substances found in diet pills. Herbal,
sometimes referred to as “natural”, weight
loss products can be just as dangerous as
diet pills. All of these substances act as
stimulants to the nervous system and much
like speed, can have serious and potentially
fatal side effects.
Is your teen using OTC drugs to get high?
A recent study found that six percent of 12th
graders reported past year abuse of cough
or cold medicines to get high. That amounts
to about one in every sixteen high school
seniors.
Signs and symptoms of abuse may include:
Short-term effects—Impaired judgment,
nausea, loss of coordination, headache,
vomiting, loss of consciousness,
numbness of fingers and toes, abdominal
pain, irregular heartbeat, aches, seizures,
panic attacks, psychosis, euphoria, cold
flashes, dizziness, and diarrhea.
Long-term effects—Addiction,
restlessness, insomnia, high-blood
pressure, coma, or even death.
Where do teens get them?
In many parts of the country, teens can
easily buy OTC cough and cold remedies at
any supermarket, drugstore, or convenience
store where these products are sold. They
can also get them from home, or order them
over the Internet. And even if they do not
order OTC drugs online, they can surf the
Web to find information and videos on what
drugs to try and mix together.
How do teens abuse OTC drugs?
Teens take large doses to get high,
sometimes mixing these drugs with
prescription drugs, street drugs, or alcohol.
Some teens crush pills and snort them for an
intensified effect.
Could your teen overdose on OTC drugs?
Yes. The point at which teens may overdose
on OTC drugs varies depending on the
amount of the drugs they took, over what
time period, and if other drugs were mixed.
Some OTC drugs are weak and cause
minor distress, while others are very strong
and can cause more serious problems or
even death. If you suspect your teen has
overdosed on OTC drugs, take them to the
emergency room or call an ambulance
immediately for proper care and treatment
by a medical doctor.
Other drug and alcohol interactions
Mixing alcohol with certain medications can
cause nausea and vomiting, headaches,
drowsiness, fainting, and a loss of
coordination. It can put users at risk for
internal bleeding, heart problems, and
difficulties in breathing. Alcohol also can
decrease the effectiveness of many needed
medications or make them totally ineffective.
Before you or your teen take any
prescription or OTC medication, carefully
read the label, and/or consult with your
family physician or local pharmacist. And
never mix medications with alcohol. Parents
should set clear rules and consistently
enforce those rules against any underage
drinking.
In many parts of
the country, teens
can easily buy
OTC cough and
cold remedies at
any supermarket,
drugstore, or
convenience
store where these
products are sold.
Page 6 October, November & December 2010
Adults may not
always be present
in the online
environments of
children and
youth. Therefore,
it is extremely
important that
adults pay close
attention to
cyberbullying and
the activities of
children and
youth when using
these newer
technologies.
Cyberbullying
Source: www.stopbullyingnow.hrsa.gov
Bullying is aggressive behavior that is
intentional and involves an imbalance of
power or strength. Usually, it is repeated
over time. Traditionally, bullying has
involved actions such as: hitting or punching
(physical bullying), teasing or name calling
(verbal bullying), or intimidation through
gestures or social exclusion. In recent years,
technology has given children and youth a
new means of bullying each other.
Cyberbullying, which is sometimes referred
to as online social cruelty or electronic
bullying, has been defined as an aggressive,
intentional act carried out by a group of
individuals using electronic forms of contact,
repeatedly and over time against a victim
who cannot easily defend him or herself.
Cyberbullying can involve:
Sending mean, vulgar, or threatening
messages or images
Posting sensitive, private information and/
or lies about another person
Pretending to be someone else in order
to make that person look bad
Intentionally excluding someone from an
online group
Children and youth can cyberbully each
other through:
Emails
Instant messaging
Text or digital imaging messages sent on
cell phones
Social networking sites
Web pages
Blogs
Chat rooms or discussion groups
Other cyber technologies
Bullying via instant messaging appears to be
particularly prevalent.
How Does Cyberbullying Affect Children?
Little research has explored the possible
effects of Cyberbullying on children. When
students are asked how they believe
Cyberbullying affected them, they indicate
that it made them sad and unwilling to
attend school.
A survey of middle and high school students
found that children who were cyber “bully/
victims” (had cyberbullied others and also
been cyberbullied) had the highest rate of
anxiety, depression and school absences
compared to cyber “bullies”, cyber “victims”
and children who weren’t involved in
cyberbullying. By contrast, children not at all
involved in Cyberbullying had the highest
self-esteem and grades and the fewest
symptoms of health problems.
How Does Cyberbullying Differ From Other
Forms of Bullying?
Research and experience suggest that
cyberbullying may differ from more
“traditional” forms of bullying in a number
of ways, including:
Cyberbullying can occur any time of the
day or night
Cyberbullying messages and images can
be distributed quickly to a very wide
audience
Children and youth can be anonymous
when cyberbullying, which makes it
difficult (and sometimes impossible) to
trace
What Can Adults Do To Address and
Prevent Cyberbullying?
Adults may not always be present in the
online environments of children and youth.
Therefore, it is extremely important that
adults pay close attention to cyberbullying
and the activities of children and youth when
using these newer technologies. Here are
some actions parents can take to help
prevent cyberbullying:
Continued on page 7
Page 7 October, November & December 2010
Make an agreement with your children to
keep all internet capable devices out of
children’s bedrooms.
Talk regularly with your child about
online activities that he or she is involved
in using.
Talk specifically about cyberbullying and
encourage your child to tell you
immediately if he or she is the victim of
cyberbullying, cyberstaking, or other
illegal or troublesome online behavior.
Explain that you will not take away their
technology if they confide in you about a
problem they are having.
View the SBN! Campaign's Webisodes
( http://stopbullyingnow.hrs.gov/kids/
webisodes/default.aspx ) with your child
and discuss in particular Webisode 5 that
addresses cyberbullying.
Encourage your child to tell you if he or
she is aware of others who may be the
victim of cyberbullying.
Explain that cyberbullying is harmful and
unacceptable behavior. Outline your
expectations for responsible online
behavior and make it clear that there will
be consequences for inappropriate
behavior. Explain that treating others well
online may also protect them from being
harassed or cyberbullied.
Because cyberbullying can range from rude
comments to lies, impersonations, and
threats, your responses may depend on the
nature and severity of the cyberbullying.
Here are some actions that you may want to
take after-the-fact.
Strongly encourage your child not to
respond to the cyberbullying.
Do not erase the messages or pictures.
Same them as evidence.
Try to identify the individual doing the
cyberbullying. Even if the cyberbully is
anonymous (e.g., is using a fake name or
someone else’s identity) there may be a
way to track them through your Internet
Service Provider. If the cyberbullying is
criminal (or if you suspect that it may be),
contact the police and ask them to do the
tracking. Jurisdictions and states differ in
their definitions of what constitutes
criminal behavior, but the following may
constitute a crime:
Threat of violence
Extortion
Obscene or harassing phone calls
or text messages
Harassment, stalking, or hate crimes
Child pornography
Sexual exploitation
Taking a photo image of someone
in a place where he or she would
expect privacy
Sending inappropriate language may
violate the “Terms and Conditions” of
email services, Internet Service Providers,
Web sites, and cell phone companies.
Consider contacting these providers and
filing a complaint.
If the cyberbullying is coming through
email or a cell phone, it may be possible
to block future contact from the
cyberbully. Of course, the cyberbully may
assume a different identity and continue
the cyberbullying.
Contact your school. If the cyberbullying
is occurring through your school district’s
Internet system, school administrators
have an obligation to intervene. Even if
the cyberbullying is occurring off campus,
make the school administrators aware of
the problem. They may be able to help
you resolve the cyberbullying or be
watchful for face-to-face bullying.
Consider contacting the cyberbully’s
parents. These parents may be very
concerned to learn that their child has
been cyberbullying others, and they may
effectively put a stop to the bullying. On
the other hand, these parents may react
negatively to your
Continued from page 6
Cyberbullying
If the
cyberbullying is
occurring through
your school
district’s Internet
system, school
administrators
have an
obligation to
intervene.
Continued on page 8
Page 8 October, November & December 2010
contacting them. So, proceed cautiously.
If you decide to contact a cyberbully’s
parents, communicate with them in
writing—not face-to-face. Present proof
of the cyberbullying (e.g., copies of an
email message) and ask them to make
sure the cyberbullying stops.
Consider contacting an attorney in cases
of serious cyberbullying. In some
circumstances, civil law permits victims to
sue a bully or his or her parents in order
to recover damages.
Contact the police if cyberbullying
involves acts such as:
Threat of violence
Extortion
Obscene or harassing phone calls
or text messages
Harassment, stalking, or hate crimes
Child pornography
Sexual exploitation
Taking a photo image of someone
in a place where he or she would
expect privacy
If you are uncertain if cyberbullying violates
your jurisdiction’s criminal laws, contact your
local police, who will advise you.
Continued from page 7
Cyberbullying
If you are
uncertain if
cyberbullying
violates your
jurisdiction’s
criminal laws,
contact your local
police, who will
advice you.
Losing Sleep Over Late-Night Texting
Source: www.guidance-group.com
It is well known that teenagers don’t get
enough sleep. Alarmingly, according to a
2005 National Sleep Foundation poll, “only
one-fifth of adolescents sleep an optimal
nine hours on school nights.” While tiredness
is something we can all relate to, one of the
causes of teen sleep deprivation is somewhat
unique: late night texting. As this government
article reports, “Nearly a quarter of teens in
a relationship have communicated with a
boyfriend or girlfriend hourly between
midnight and 5 a.m. via cell phone or
texting,” while others happily engage in
casual late-night conversations with friends.
Perhaps because of the increasing demands
on teenagers today, with school,
extracurricular activities and homework, they
find that they can only cram social fun in to
the wee hours. More likely texting has
become just another example of social
media creeping into our lives, or in this case,
our beds.
Some advice offered to parents to tackle this
trend:
Require your teens to turn off phones at
bedtime.
Keep phones and devices out of
bedrooms altogether.
Go through the bill to make sure that
rules are being followed.
And, if all else fails, block text-messaging
altogether.
… texting has
become just
another example
of social media
creeping into our
lives, or in this
case, our beds.
Page 9 October, November & December 2010
Pulling Together
Source: www.FamilyFun.com
No benchwarmers are allowed in this
building game where family members use a
hair-tie lasso to stack towers of cans and
boxes.
What you need:
1 large ponytail holder
12-inch lengths of string or yarn (one
per player)
Small cans or boxes
How to play:
1. To make your lasso, tie 12-inch
lengths of string or yarn, one per
player, to a single large ponytail
holder.
2. Players sit in a circle, each holding their
string taut, then work together to stretch
the holder so that it encircles a small
can or box. They then lift the object and
stack it on top of another, trying to
create the highest tower they can. Our
testers liked stacking cat food cans,
small boxes, and even stuffed
animals—nothing too heavy!
Body English
Source: www.FamilyFun.com
This fun physical challenge tests your
spelling skills and your flexibility, and makes
a great activity for kids during Thanksgiving
and Christmas get-togethers.
What you need:
4+ players
How to play:
1. Divide players into two groups, then
have the groups take turns using their
bodies (no had signals or signs
allowed) to spell out words for the
opposing team to decipher.
2. Start with simple, holiday-related words
such as pie or thanks, then move on to
longer words or phrases as the group’s
skills improve.
Page 10 October, November & December 2010
Game rules and
puzzle-solving
strategies follow
repetitive patterns.
That repetition
builds confidence,
since kids know
what to expect.
Solving the Puzzle: Why do Kids Love Puzzles?
By: Istar Schwager, Ph.D. Source: www.highlightsparents.com
When my son was young, it seemed as if all
he wanted to do was solve puzzles. He also
loved matching games, word searches,
follow-the-dots, and codes. All problem-
solving activities fascinated him, but for long
stretches of time, puzzles ruled. I became
fascinated with why my son and other kids
found puzzles so rewarding. What I
discovered was that there is a strong
connection between brain development and
the problem-solving skills used to solve
puzzles.
As kids grow, they acquire new skills that
need to be practiced. Puzzles provide
enjoyable ways for kids to build their
emerging skills. With puzzles, the goal is
clear and the feedback immediate; a puzzle
piece either fits or doesn’t. Because puzzles
are fun, kids will persist and discover that
sticking to a task pays off. They feel an
enormous sense of accomplishment when
they’ve achieved their goal. Seeing the
tangible results of mastering a new skill
builds confidence to take on the next
challenge. So it’s not really so puzzling why
kids love puzzles.
Here are some of the specific skills kids are
developing and how puzzles “fit the picture.”
Seeing Similarities
Matching activities help kids note
similarities, which in turn enable them to
generalize. When kids notice which
puzzle piece fits in a particular place or
recognize that an “M” and an “m” are
related, they are learning how things can
be grouped into categories.
Seeing Differences
Making distinctions is another basic
cognitive ability. When kids recognize
that a puzzle piece is the wrong shape or
too big, they are seeing what does and
doesn’t belong in a category. In a Hidden
Pictures® puzzle, kids are challenged to
observe closely and note details as they
hunt for objects positioned in different
directions and embedded in a complex
picture. This skill is important when kids
are learning to read and need to see
subtle distinctions between letter forms,
such as a d and a b.
Sequencing
Sometimes, order matters. Young kids are
just beginning to understand that the days
or the week or the pages of a book are
sequencing practice with a great payoff. If
you connect the dots in order, a picture
appears!
Seeing Patterns
Seeing a pattern helps kids predict what’s
next. The ability to recognize and create
patterns is essential in math, reading, and
science. Working puzzles and playing
games with repetitive rules and
procedures provide a hands-on way for
kids to practice recognizing and
remembering patterns. As they play, kids
use what they know to anticipate what
follows. Game rules and puzzle-solving
strategies follow repetitive patterns. That
repetition builds confidence, since kids
know what to expect.
It was illuminating to look into the question
of why kids are so drawn to puzzles. The
answer is that they give kids a fun way to
practice emerging skills, master new ones,
and develop a “can-do” attitude when faced
with new challenges.
Page 11 October, November & December 2010
If we end up so
frazzled, irritable,
and exhausted
during the
holidays that we
hardly enjoy
them, what
message are we
sending to
our kids?
Getting Through the Holidays One Day at a Time
By: Istar Schwager, Ph.D. Source: www.highlightsparents.com
With October here, can November and
December be far behind? If you face this
time of year with a mix of delight and dread,
you are one of millions of parents who wish
there were some way to hold on to the
holiday spirit but eliminate the pressures of
this season. Here are some suggestions for
surviving to January:
Reconsider Your Expectations
What makes this season daunting for so
many of us? Experts say the stress comes
from the unrealistic expectations we place
on ourselves and our families. Those
Norman Rockwell paintings and holiday TV
specials have imprinted images of what’s
“suppose to be.” Expectations have their
place, and there’s nothing wrong with
striving for family togetherness or wanting to
create joy-filled memories; but let’s not
forget that images of perfect holiday
happiness are often fantasies. Those picture-
book scenes may well have been created by
people working late at night and far from
home, longing for the ideal family that only
existed in their imaginations.
Remember That Every Family Is Different
You may wish your family was a “complete
deck, “ but most aren’t. the holidays often
bring up a lot of emotion about who’s
missing—and, let’s face it, sometimes about
who’s present! Instead of comparing your
family to other families, find ways to
appreciate the uniqueness of the family and
friends who are part of your life.
Celebrate in Your Own Way
When it comes to the holidays, one size
doesn’t fit all. While traditions can be
wonderful, and children enjoy the
anticipation of the familiar, it can become
destructive to get so hung up on maintaining
family rituals that you lose sight of the bigger
picture. Just because your parents
celebrated a certain way or you did
something last year doesn’t mean that you
need to maintain the same routines forever.
Flexibility and spontaneity bring their own
rewards.
Remember What Really Counts
If we end up so frazzled, irritable, and
exhausted during the holidays that we hardly
enjoy them, what message are we sending
to our kids? We owe it to ourselves to take a
good look at the activities that contribute to
our stress. Can we buy cookies from the
store rather than bake them ourselves? Do
we absolutely have to send out holiday cards
during the most demanding time of year? If
you're too busy to send holiday greetings,
wait until after the holidays to get in touch.
Postpone whatever isn’t essential, keep your
sense of humor, and find your own way to
enjoy the season . . . one day at a time.
Page 12 October, November & December 2010
Grandfamilies is funded by:
Children’s Trust Fund
Division of Child & Family Services
Frances W. Burton
George S. & Dolores Dore Eccles
Kennecott Utah Copper
LONG Building Technologies Endowment
Marriner Eccles Foundation
R. Harold Burton Foundation
Ruth Eleanor & John Ernest Bamberger
Salt Lake County Substance Abuse Prevention
Sterling & Shelli Gardner
The Church of Jesus Christ of Latter-day Saints
United Way of Salt Lake
124 South 400 East, Suite 400
Salt Lake City, Utah 84111
801-326-4409
www.cssutah.org/grandfamilies
Thank You
By: Anna-Lee Hernandez
Grandfamilies would like to thank the West
Valley City Fire Department for hosting our
September Friend 2 Friend activity and,
South Salt Lake Fire Department for
providing the Fire Safety House.
Fire Chief John Evans and his firefighters did
a wonderful job showing our families how to
be safe in a fire situation. Participants were
able to go through the Fire Safety House to
learn how to use a fire extinguisher and how
to stop, drop and roll.
We learned about the fire trucks and how the
firefighters use the equipment to put out fires
and help people in need.
The firefighters were terrific and we really
appreciate them taking the time out of their
busy schedules to talk to us about fire safety.
If you are behind on your mortgage
payment we may be able to help. Don’t get
scammed.
SLCAP Homeownership Center is a HUD
approved housing counseling agency.
Our services are free of charge. We offer
services that can help you with:
Pre-purchase counseling
Post-purchase training
Foreclosure Prevention/Loss
Mitigation Counseling
Reverse Mortgage Counseling
Call SLCAP Homeownership Center
801-214-3197
Email: [email protected]
SLCAP Homeownership Center