Livingston Diversity Council is a grass roots group made up of local business people, private citizens, educators, government officials and clergy. This group was founded 20 years ago. The mission of the council is to create a more welcoming community. One of the activities that this group offers is a mini-series. The next mini-series is scheduled for Dec. 2, 2008 and the topic is understanding and learning about various religious traditions within our community. To learn more about the Livingston Diversity Council go to: www.livingstondiversity.org
Buddhism.Judaism.Christianity.Islam
What do these religions have in common, and what makes them unique?
Join us for the fourth Member Mini-series
and find out!
Understand the religious traditions of others in our community.
Come to learn...
Come to share...
Come to understand.
Steve Spreitzer of Michigan Roundtable for Diversity and Inclusion will be the moderator.
We are very grateful to Steve for arranging for the following four speakers:
Topics to be discussed and shared:
Tuesday, December 2nd
6:30-9:00 pm
Cromaine Library Crossroads Branch
1788 N Old US Highway 23
Howell 48843
South of M59 on Old 23
Great news to help everyone with the expected higher heating costs this winter! The Michigan State Housing Development Authority is offering a low cost loan program to make energy efficient improvements. To be eligible for the loans, homeowners can not make over $74,750, but if you are a landlord, there are no limits. Loans for single family homes are available for up to $50,000 and $100,000 for landlord (landlords do not have income requirements). This figure is based on location of the home. Interest rates will vary from 4 up to 8% and are based on household income. If you do not have equity in your home, you can borrow up to $50,000. For more information call 517.373-8017 or log onto www.michigan.gov/mshda
"Professionally Bringing Home Owners & Sellers Together"
Livingston County Real Esate Rocks!
FUNDING FOR USDA RURAL DEVELOPMENT AVAILABLE
I am not a mortgage lender but have had many clients use Rural Development to fund their home purchase. Some of the pluses of this program are:
*YOU DO NOT HAVE TO BE A FIRST TIME HOME BUYER
* Zero down financing for eligible borrowers and eligible properties
*No monthly mortgage insurance premium. A 2% rural development fee is rolled into loan
*Bankruptcy or foreclosure in past three years is acceptable with unique circumstance letter and credit score of 620+
6% Seller Concessions are allowable
*Well & Septic inspection with water test required
*Existing Home Certificate required with appraisal
*Borrower cannot own another property.
*Purchase of appliances or small repairs can be rolled into loan if appraisal suffices. Repairs MUST be done prior to close or 150% of cost must escrowed by borrower or seller.
*Property can be new construction, site condos, PUD's (whereas these properties are difficult to finance as FHA)
All of Livingston County MI is eligible. Use the USDA Property website: http://eligibility.sc.egov.usda.gov Other areas in Michigan are also eligible, check out the web site or call me and I'll find out if your area is eligible for USDA Rural Development Financing 810.844.2280
"Professionally Bringing Home Buyers & Sellers Together"
Livingston County MI Real Estate Rocks!
CHECK IT OUT! FIRST TIME BUYER - TAX CREDIT
As part of the Housing Stimulus Bill, Congress created a tax credit for first time buyers who purchase a home prior to July 1, 2009
What is the tax credit? Eligible tax payers will receive a "refundable" credit of up to $7,500 or 10% of the purchase price of their home, whichever is less.
Who is eligible? Any person who has not owned a principal residence in the three years prior to closing and meets the income limitations $75,000 individual and $150,000 for married couples. Also 95,000 individual and $170,000 married can receive a partial credit.
How do I qualify? Meet the definition of "first time buyer" you must purchase and close on a home prior to 7/01/09. Homes, condominiums and manufactured homes qualify.
How do I get the money? You will receive a credit against your 2008 or 2009 Federal income Tax. It will reduce your tax bill and increase the amount of your refund.
Do I have to pay the money back? Yes - but not immediately. The credit is really an interest free loan for up to 15 years. The credit must be repaid at a rate of 6.67% per year starting two years after the purchase. Unpaid balance due at time of sale.
You could actually pay the full $7,500 by increasing your Federal withholdings by $20 per paycheck.
Livingston County MI Rocks!
"Professionally Bringing Home Buyers & Sellers Together"
Okay, we are down to the last 28 days until a new President is elected. Who believes that the bail out OOPS correct me "Rescue Plan" and the change in presidency will affect our economy?
I do believe that after the election there will be a "weight lifted off" peoples' shoulders. Those will be the folks who think that it is government's responsiblity to take CARE of us. In the Livingston County Press today there is an article about the RESCUE PLAN, and they state that NAR (National Assocation of Realtors) told government that the liar loans were going to an issue.
I feel sad that so many people have lost their homes during this economic turmoil, but on the other hand, I LOVE that I am able to sell homes to people who normally would not be able to afford a home because of the wages they earn.
Get out and VOTE!
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