Recent Posts
Tue, Aug 26, 2008
Water - at least 1 gallon daily per person for 3 to 7 days
Food - at least enough for 3 to 7 days
— non-perishable packaged or canned food / juices
— foods for infants or the elderly
— snack foods
— non-electric can opener
— cooking tools / fuel
— paper plates / plastic utensils
Blankets / Pillows, etc.
Clothing - seasonal / rain gear/ sturdy shoes
First Aid Kit / Medicines / Prescription Drugs
Special Items - for babies and the elderly
Toiletries / Hygiene items / Moisture wipes
Flashlight / Batteries
Radio - Battery operated and NOAA weather radio
Telephones - Fully charged cell phone with extra battery and a traditional (not cordless) telephone set
Cash (with some small bills) and Credit Cards - Banks and ATMs may...
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Tue, Aug 26, 2008
Breaking news on Cal Carter
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252 Views,
8 Comments.
Tue, Aug 26, 2008
Alabama Housing Finance Authority (AHFA) Bond “Step Up” Loan Program
30 year fixed rate mortgage loan with a market interest rate 6.5% (as 8/25/2008).
Qualify with FHA Guidelines.
Newly enhanced down payment assistance is available with Step Up loans. This will allow up to 100% Loan to Value (LTV) on FHA loans.
Qualifying Requirements
Total household income and the sales price of the home cannot exceed income and sale price limits.
Maximum Loan Amount: $285,000.000
Maximum Household Income (Baldwin & Mobile County ): $97,300
There is NO first time home buyer requirement.
The homebuyers must...
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1 Comments.
Mon, Aug 25, 2008
Financing Solutions with David Reed
Family loans remain a solid down payment option
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The Federal Housing Administration (FHA) recently altered its guidelines as a result of the Economic and Housing Recovery Act of 2008. One significant change was the elimination of the seller-funded down payment assistance program. Often used by builders through non-profit organizations such as Nehemiah and Ameridream, this program enabled the seller of a property (either an individual or a builder) to “donate” an amount equal to the funds needed by a buyer for a down payment on a home...
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Mon, Aug 18, 2008
Financing Solutions with David Reed
Help has arrived: U.S. Congress comes through with relief
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The Housing and Economic Recovery Act of 2008, the most sweeping housing legislation since the Depression era, was passed by the U.S. Senate and House of Representatives at the end of last month and was signed into law by President Bush. The new law addresses various aspects of the housing downturn, including assistance for homeowners who are behind on their mortgages, federal oversight of Fannie Mae and Freddie Mac, and funding for cities to buy and fix up foreclosed...
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