Is a down payment stopping you from becoming a homeowner instead of a renter? Many California cities such as Hesperia California offer down payment assistance to help first time home buyers purchase homes.
Hesperia California homes for sale are available to first time home buyers that may qualify for down payment assistance up to $115,000. Those who have not owned a home in the past three years may qualify too, states Greg Rowney, Down payment Assistance Specialist with T.N.T. Lending Inc.
T.N.T. Lending Inc, based in Rancho Cucamonga California, offers a full range of mortgage services including first time home buyer programs offering down payment assistance and home grants.
More and more California cities are offering down payment assistance and Hesperia California is one of them. The City of Hesperia California First Time Homebuyer Down Payment Assistance Program (DAP) is specifically designed to help those with lower incomes become homeowners.
To qualify applicants must be a first time home buyer or not owned a home during the past three years or those that qualify as a “displaced homemaker” or a “single parent.
If searching for a Hesperia California home for sale sufficient assets must be provided for a minimum 1% down payment, plus additional funds to pay for certain closing costs estimated $2,000 – $3,000 and also have sufficient income and credit worthiness to qualify for primary financing.
The down payment assistance is provided by lenders that are pre-approved by the City such as T.N.T. Lending Inc.
The City’s Down Payment Assistance Program (DAP) will provide a portion of the eligible purchaser’s total down payment on a Hesperia California home for sale. Any home that is purchased through the Down Payment Assistance Program (DAP) must be affordable.
The City shall provide a maximum Assistance of 35% of the purchase price up to $115,000 per household to pay for costs associated with the acquisition of Hesperia California home for sale. Such assistance shall be provided as gap finance that is an amount only necessary to complete the purchase transaction.
This subsidy to be provided to eligible first time home buyers will be made as a 30 year, deferred loan. The principal is paid back in level payments over 30 years at a zero percent interest rate. The principle balance is due and payable upon sale or transfer, or when the participants cease to reside in the residence. The maximum loan amount is $115,000.
The deferred loan is not assumable by another low-income buyer. The deferred loan does not bear interest in the conventional manner. The City will require annual certification from the program participants that standard hazard insurance is maintained in a specified amount and that taxes on the Hesperia California home for sale are current.
Numerous cities have similar programs with their own guidelines. If you are not searching for a Hesperia California home for sale I am sure we can help first time home buyers with down payment assistance in other California cities, concludes Rowney.
If you are looking for Hesperia California home for sale and would like to know if you qualify for down payment assistance from the City of Hesperia California please call 866 398 4664 or go to payment_Assistance
Maybe you’re one of the many parents who are encouraged to try home schooling to your children. If you have plans of home schooling your child, you’ve come to the right place because here we will help you learn the strategies of many homeschooling parents.
Homeschooling is now an acceptable means of educating a child at home. In this teaching methodology, the parents and tutors serves as the primary educators. Moreover, parents are given the responsibility of addressing the learning needs of the child. The reason why parents are so attracted with homeschooling is because they get to supervise closely their child’s learning progress.
Kids love to learn in a fun and loving environment. It is a known fact that children have little attention span. The key for them to maintain their focus is to offer interactive activities to keep them busy and interested.
When starting out a home school education, it is best to review policies involving home school education from your city to state level. Communicate with your local board of education and ask for the notification form for homeschooling directives. Make sure that you understand and agree to the regulations set by the city or state. Fit all the regulations with your homeschooling program to prevent any untoward incident from happening. Complete and sign the Assurance of Consent form and include the date it was signed. Remember that you are given 15 days to complete this form before you officially begin your home school class. Reviewing home-based education law also helps.
The next step to take is the conceptualizing of the subject matter, teaching styles and activities. The best way to do this is to ask your child what his/her needs, expectations and his/her budding study habits. Make sure that you fit the classes by his/her preferences without having to compromise the quality of discussion. Keep in mind that your child is still a child and it is the best that he/she is still able to enjoy their childhood thus encourage sufficient play time with children of their age.
The truth is, you’re not required to have a formal classroom constructed at home. Just be certain that you have a place at home where you can comfortably teach your child. You can set up visual aids and a small library to make the room feel special, like a real classroom. You can also conduct classes in the kitchen if your subject is about basic food groups or the zoo if your subject is about animals.
There are many curriculum sources available in the internet, sometimes they are even free to. However, be reminded to check the material if it is legitimate and worthy to teach. When availing for books and other materials, always browse for various sources as some sources provide discounts while some offers relatively lower price.
While everything sounds good already, the most important things to assess are yet to come – your financial sources. Most families spend over $300 – $ 1,000 to home – schooling. However, prioritizing what you need over what you want will help your reduce your spending. Looking for sales and discounts will help a lot. All the more, it is best to fit your homeschooling to your potential budget.
House fires are one of the most common causes of property loss and homelessness in many parts of the world. Although easily prevented and readily remedied, left unchecked, it can cause devastating damage to both property and people alike – costing homeowners thousands of pounds in damage costs and repairs. However, keeping one’s home safe from the possibility of fire only takes a few simple steps.
The most common cause of fires is unknown gas leaks. To prevent the catastrophic results that come about with gas-leak fires, always be sure that the gas is turned off when not in use. Keeping a fire extinguisher ready in several areas of the home can remedy small fires before they become larger conflagrations. Keeping furniture away from direct heat sources, such as heaters and radiators, is yet another small, but useful way in keeping households safe from the possibility of fire.
If candles or incense are a major part of one’s aesthetic preferences or religious beliefs, providing an adequate and safe place to light such materials away from items that may catch fire drastically reduces the risk of house fires. Keeping flammable liquids in a secure location away from heat and barest hint of flame is yet another way of keeping one’s home safe from potential fires.
Electrical equipment as well as all household wiring has to undergo a routine maintenance check-up every other month or so to ensure that no faulty wires, breakers, fuses, or any other electrical component will pose a risk. Lastly, because most fires are inextinguishable by mere water alone, always keeping a few fire extinguishers on hand in major parts of the house (such as the kitchen and the bedroom) will ensure that fires can readily be controlled, if ever such a need comes.
Learning the proper usage of a fire extinguisher, as well as its varying types is a must for every family member. If your budget is not much of an issue, installing smoke alarms and fire-detectors will provide even greater security.
In a worst-case scenario, having a ready escape plan and the number of the local fire department on hand can be a lifesaver. Devising an escape route and conducting emergency drills with the family will make escape (if and when it is needed) easier and less confusing.
When opting to install additional fire security measures, having it installed in areas more prone to fires, such as the kitchen and the living room are a must. Protecting a home from fire is always a better option than having to go through escape measures, but to go about it efficiently, one must give ample time, planning, awareness, and exercise constant vigilance to keep their homes and family safe from the debilitating risk of fire.
The process of staging your home for sale is very much like preparing the set of what will be an Award winning movie. You must set the scene and atmosphere with the props and lighting before you begin filming. When you have attended to the behind the scene details you can then call for Lights, Camera and Action!
A properly staged home can maximize your selling price and minimize time on the market by standing apart from the competition. Potential home buyers need to see your home as a place where they could live. Home staging facilitates this by creating a mood in which the buyer can envision living in your space by removing clutter, dirt and over-personalization. Professional home stagers live by the motto of de-clutter, de-personalize and clean, clean, clean!
Home staging taps into the proven psychology of selling. Car dealers allow you to test drive a car so that you can experience what it would be like to own and drive the car daily. Clothing manufacturers allow you try on clothes so that you can see yourself in the garments. These experiences create an emotional connection with the product and set the stage for a sale. While potential home buyers cannot take your house for a test drive, or try it on (move in for a day), you can engage their emotions by properly staging your home so that they can visualize what it would be like to call your house “home”.
Step 1: De-clutter
We never seem to realize how much we have accumulated until it is time to move. The good news about de-cluttering your home is that you can begin to sort through what you truly need and want to move to your new location. The bad news is that you have to be the one to sort through it! People that are buying a home are typically looking for more space. Clutter eats space and can make rooms feel cramped and small. Remove excess furniture, knick knacks and items that are not being used. Remember to ensure that the cupboards and closets only house the essentials. Sort everything into three piles, garbage, good will or garage sale, and those items to be packed and stored ready for the move into your new home. If youre not sure what to pack, ask yourself this simple question. Am I going to use this in the next 1 2 months? If no, package it up for the move. Not only does this actively get your house in tip top shape for the market, but you can use the money from the garage sale to buy things for your new home.
De-cluttering can pose special issues for children. Children may find it difficult to part with toys or clothing. Everything is special even if they have not used or worn it in a long time.
Step 2: De-Personalize
This part of prepping your home for sale can turn into a special trip down memory lane. All those pictures and memorabilia are always in view, but people seldom take time to reconnect with their meaning. This is one of lifes opportunities to smell the roses, so go ahead, and take a few moments to enjoy! But make sure in the end that you do pack your personal mementos, family pictures and miscellaneous memorabilia. Generally, its an excellent rule of thumb to pack religious items, knick knacks, and small to medium pictures and items. Larger accessories and art work should be placed to one side for consideration when the home is later staged. Remember that you are showcasing your home as a canvas to which the buyer can insert their own style.
Step 3: Clean, Clean, Clean
Unfortunately for most home sellers, cleanliness is a major factor for buyers since other peoples dirt registers much higher on their ick radar. Theres really no way around it, to sell your home quicker and for the best possible price, it needs to sparkle. Buyers will pay special attention to the kitchen, bathrooms and windows. The following guidelines are recommended to get your home thoroughly clean.
Start at the top of your home and work down
Clean bedrooms, studies, and seldom used rooms first, the bathrooms, kitchen and utility rooms next. Save the porch, garage, shed, and attic for last.
Pull all furniture and appliances into the middle of the rooms that you can clean behind and underneath
Clean each room starting at the top and working down (ceiling, walls, trim and floor)
Do the wet work first Washing paintwork, windows, laundering and shampooing
Do the dry work next dusting, polishing, waxing
Save the vacuuming until last this step removes all traces of dust and debris
Once your home has been thoroughly cleaned, set a cleaning schedule that will allow you to maintain the look on an ongoing basis.