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First-Time Home Buyer Programs Help Make Dreams Come True! Business Articles | November 4 Santiago Arias Colombia Jersey , 2015
The entrance of companies like Tesla and Switch into Nevada means great things for the local economy. What they also mean are raising housing prices, as more and more people move into the Silver State...


The entrance of companies like Tesla and Switch into Nevada means great things for the local economy. What they also mean are raising housing prices, as more and more people move into the Silver State, creating a housing shortage. This is good news for existing homeowners Roger Martinez Colombia Jersey , but concerning for first-time homebuyers.


According to the Reno Gazette-Journal, “In January 2012, the median price for a home in northern Nevada was around $135,000. More than two and a half years later Robinson Zapata Colombia Jersey , home values have jumped by about 85 percent.”


What does this mean to the first-time homebuyer? It’s time to buy, while interest rates are still low and before prices go up any higher. But you’re also probably going to need some help.


Nevada is full of first-time homebuyer programs, all designed to educate homebuyers on their responsibilities, and then to help them into homes they can afford.


The U.S. Dept. of Housing and Urban Development (HUD) lists several options on its website Radamel Falcao Colombia Jersey , . These include first-time homebuyer programs and loans with little to no down payment requirements, programs specific to veterans and programs that give homeowners money back every year in the form of tax credits.


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Habitat for Humanity was founded by former President Jimmy Carter and has a mission to provide homes for low-income families. Applicants must meet specific income requirements and be willing to complete 500 hours of “sweat” equity toward building their home or another home in the program. In exchange, the first-time homebuyer can purchase a home with no down payment and a monthly mortgage that is typically about half of normal rents for the area. The USDA Rural Housing program provides low interest mortgages, typically with little or no down payment requirements Oscar Murillo Colombia Jersey , in rural areas of the state. In Nevada, this is defined as any city with fewer than 30,000 residents. The Nevada Rural Housing Authority (NRHA) has two programs that can help homebuyers in rural Nevada (every city except for Reno and Las Vegas). Their Home At Last TM down payment assistance program (which is not limited to first-time homebuyers) includes both government (FHA, VA and USDA Rural Development) and conventional (HFA Preferred) loan alternatives Miguel Borja Colombia Jersey , coupled with granted down payment assistance of up to 5 percent, depending on the loan type. NRHA also offers the Mortgage Tax Credit (MTC) program that gives the first-time homebuyer a federal tax credit equal to 40 percent of the interest paid on the mortgage loan – this could equal up to $2,000 a year in free money!

The Nevada Housing Division offers programs similar to the NRHA programs that help first-time homebuyers living in urban areas of Nevada.


Many of these first-time homebuyer programs can be used in conjunction with one another. The first step in buying a home is to visit with a qualified home lender - one who understands and is certified to work with these programs. They will look at your financial situation (including any credit issues) and help you come up with the best financing plan to get your family into a home of your own.?


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Make this Thanksgiving Day Special with Flowers

Posted On : Sep-09-2019 | seen (28) times | Article Word Count : 439 |

This is a great idea to brighten the celebration mood of the people who are attending this Thanksgiving at your place! Canadian Thanksgiving is celebrated on the second Monday every October and is a statutory holiday. On Thanksgiving Day, Canadians give thanks for a successful year and harvest. Today Mateus Uribe Colombia Jersey , it is celebrated by sharing floral arrangements, and gathering with loved ones for Thanksgiving Day meal.

Are you planning to celebrate this Thanksgiving Day for the autumn harvests and all your blessings? Set a welcoming stage for the season鈥檚 festivities with Thanksgiving floral arrangements! Let a beautiful Thanksgiving flower centerpiece adorn your dinner table, and place a pretty floral wreath made from fall leaves on your front door. This is a great idea to brighten the celebration mood of the people who are attending this Thanksgiving at your place!

Also, a Thanksgiving flower arrangement conveys your gratitude to your family Marlos Moreno Colombia Jersey , friends and hosts. Flower arrangements can be made with a theme like garden whimsy, nouveau garden, bountiful autumn, and more. Ask your florist to deliver a seasonal design on the Friday or Saturday before Thanksgiving.

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