Saturday, February 13, 2010
Friday, February 12, 2010
Thursday, February 11, 2010
Thursday, February 4, 2010
Section 8 Pros: Delivering the Quality, Affordable Housing You Deserve
February 2010-Section 8 Pros is pleased to announce their grand opening and their pursuit to bring affordable housing to deserving individuals. Section 8 Pros is a full service tenant placement company that has been designed to assist landlords and tenants in their pursuit to find affordable, adequate rental housing.
Section 8 Pros are experts on Section 8 requirements, application and advantages. Section 8 is the Housing Choice Voucher Program provided and subsidized by the United States Department of Housing and Urban Development (HUD). The name “Section 8” was derived from the U.S. Housing and Community Development Act of 1974 in which the original subsidy was authorized. The Section 8 voucher program provides individuals and families with a voucher to find and lease a unit while only paying a portion of the rent. Rent paid by the individual or family is determined based on their income, but does not typically exceed 30%.
HUD and the Veterans Administration have a special Section 8 program called VASH (Veterans Administration Supported Housing) which gives out a certain number of Section 8 vouchers to eligible homeless and US armed forces veterans.
Section 8 Pros are qualified to assist all who qualify for Section 8 with finding and securing voucher housing. Benefits of working with Section 8 Pros include:
· Area Specialization
· Quality Housing Options
· Unparalleled Services
· Dedicated Personnel
· Credit Education
· Budgeting Services
· Free Tax Preparation for Clients
· Monthly Perks for On Time Payment
Section 8 Pros recognize that individuals do not always have perfect credit. Damaged credit should not prevent you or your family from living in quality, safe and affordable housing. Let Section 8 Pros help you move in to a place you deserve. Speak with a Section 8 Pro by calling
248-757-0926.
Section 8 Pros has offices in both Michigan and Florida.
Press Inquiries Contact:
Joe Williams
Section8Pros.com
section8pros@gmail.com
248-757-0926 phone
Section 8 Pros are experts on Section 8 requirements, application and advantages. Section 8 is the Housing Choice Voucher Program provided and subsidized by the United States Department of Housing and Urban Development (HUD). The name “Section 8” was derived from the U.S. Housing and Community Development Act of 1974 in which the original subsidy was authorized. The Section 8 voucher program provides individuals and families with a voucher to find and lease a unit while only paying a portion of the rent. Rent paid by the individual or family is determined based on their income, but does not typically exceed 30%.
HUD and the Veterans Administration have a special Section 8 program called VASH (Veterans Administration Supported Housing) which gives out a certain number of Section 8 vouchers to eligible homeless and US armed forces veterans.
Section 8 Pros are qualified to assist all who qualify for Section 8 with finding and securing voucher housing. Benefits of working with Section 8 Pros include:
· Area Specialization
· Quality Housing Options
· Unparalleled Services
· Dedicated Personnel
· Credit Education
· Budgeting Services
· Free Tax Preparation for Clients
· Monthly Perks for On Time Payment
Section 8 Pros recognize that individuals do not always have perfect credit. Damaged credit should not prevent you or your family from living in quality, safe and affordable housing. Let Section 8 Pros help you move in to a place you deserve. Speak with a Section 8 Pro by calling
248-757-0926.
Section 8 Pros has offices in both Michigan and Florida.
Press Inquiries Contact:
Joe Williams
Section8Pros.com
section8pros@gmail.com
248-757-0926 phone
Tuesday, February 2, 2010
ON THAT NOTE
While climbing the success/corporate ladder we should be ever mindful of our office or business etiquette.
Good manners coupled with proper office procedures helps create a pleasant environment for co-workers and clients alike.
Here are a few fundamentals of etiquette that apply to business:
Poor Telephone Behavior
Not returning calls, eating while on the phone, slamming the phone down, long hold times, load talking.
Inappropriate Welcome
Failure to greet someone, weak or no handshake, failure to introduce an associate. You want co-workers/clients to feel acknowledged and important.
Poor Listening
Not paying attention to a speaker, talking while the presenter is speaking, asking a question just covered by the speaker, answering your cell phone or texting. Be considerate; please give your undivided attention.
Poor Dress and Grooming
Sloppy appearance, gym or party dress for business, revealing clothes. Some offices are more casual than others so, adjust your attire accordingly.
Inconsiderate of Common Space
Leaving your mess out in a common space, leaving stapler or copier empty after using the last of the staples or paper. Be courteous and refill.
Disregard of Others Time
Interrupting people at work, keeping people waiting, not showing up for a scheduled appointment. Call if you are arriving late.
Being humans we've all been guilty of these infractions. Without "Browbeating" we just need to get in the habit of being conscious of our behavior and
ON THAT NOTE, do make it a great week!
Good manners coupled with proper office procedures helps create a pleasant environment for co-workers and clients alike.
Here are a few fundamentals of etiquette that apply to business:
Poor Telephone Behavior
Not returning calls, eating while on the phone, slamming the phone down, long hold times, load talking.
Inappropriate Welcome
Failure to greet someone, weak or no handshake, failure to introduce an associate. You want co-workers/clients to feel acknowledged and important.
Poor Listening
Not paying attention to a speaker, talking while the presenter is speaking, asking a question just covered by the speaker, answering your cell phone or texting. Be considerate; please give your undivided attention.
Poor Dress and Grooming
Sloppy appearance, gym or party dress for business, revealing clothes. Some offices are more casual than others so, adjust your attire accordingly.
Inconsiderate of Common Space
Leaving your mess out in a common space, leaving stapler or copier empty after using the last of the staples or paper. Be courteous and refill.
Disregard of Others Time
Interrupting people at work, keeping people waiting, not showing up for a scheduled appointment. Call if you are arriving late.
Being humans we've all been guilty of these infractions. Without "Browbeating" we just need to get in the habit of being conscious of our behavior and
ON THAT NOTE, do make it a great week!
Sunday, January 31, 2010
Top 5 Reasons First Time Home Buyers Should Use FHA 203(k) Loan
I Guess I really can’t say this enough, today’s market is prime and ripe for the first time homebuyer. There is a surplus of homes on the market due to the overwhelming “down pour” of foreclosures. Included in that surplus are a lot of great deals, particularly “fixer uppers”. The FHA 203(k) Rehab loan could prove most advantageous for those who thought that home ownership was out of reach. There are many reasons to utilize this particular loan; however, we thought that we’d give you the top five.
1. Money for Rehabilitation
Under most standard loan programs, to buy a “fixer upper” the purchaser would be required to obtain a loan to purchase the home, and a separate loan or use personal funds to cover the cost of repairs. In some cases the lender will not close the loan and release the mortgage proceeds unless the value and condition of the home provide adequate loan security (repairs made first). With the 203(k) loan the borrower will benefit from a loan that covers both the purchase price and the rehabilitation costs under one low interest mortgage.
2. Low Down Payment
Another very significant feature to this loan is that it is cost effective in terms of upfront costs. The down payment is lower than a standard loan and only requires 3.5 percent of the purchase price.
3. Interest Rate
The interest rate is also substantially lower than a standard loan which means the purchaser will pay a lower monthly mortgage payment. (For current interest rates consult a qualified FHA lender)
4. Lenient Credit Requirements
Another benefit of securing a government insured loan is that those good people with “bruised credit” may also qualify with a lower FICO score. Also for buyers who previously filed bankruptcy the waiting period is only two years after the date the bankruptcy was filed. The waiting period of a foreclosure is three (3) years.
5. Loan Uses
This loan can be used for one (1) to four (4)-unit dwellings, single-family homes, condominiums and site condos (units in developments that look like single-family communities but are structured as condos), manufactured homes, homes moved from one site to another, “mixed use dwellings, and refinancing an existing loan up to 97% of the homes appraised value. Phew! The catch is that they must be owner occupied dwellings, not investment properties. The great thing about purchasing a multi-unit dwelling is that you can live in one unit and rent the others to decrease your monthly expenses.
Requirements
>No Investors Allowed! Must be owner occupied primary residence of purchaser.
>Borrower eligibility determined by HUD with a minimum income requirement.
>Debt ratios may be specific, depending upon the state.
>Minimum of $5,000 in eligible repairs (Maximum mortgage differs by state).
Disadvantages
>Past reputation for longer processing time and a few more hoops to jump through, than a
conventional loan. However with the current market and tighter lender requirements the gap
between a conventional loan and FHA loan processing period is narrowing.
>Due to the negative view that some real estate agents have towards FHA loans, getting an offer
accepted may in some cases be challenging.
For a list of FHA approved lenders contact your local HUD field office. You may also visit:
www.hud.gov for further qualifying and program and details.
To Find out more about how My First Michigan Home can help you qualify for your 203 k loan please feel free to go to www.myfirstmichiganhome.com
1. Money for Rehabilitation
Under most standard loan programs, to buy a “fixer upper” the purchaser would be required to obtain a loan to purchase the home, and a separate loan or use personal funds to cover the cost of repairs. In some cases the lender will not close the loan and release the mortgage proceeds unless the value and condition of the home provide adequate loan security (repairs made first). With the 203(k) loan the borrower will benefit from a loan that covers both the purchase price and the rehabilitation costs under one low interest mortgage.
2. Low Down Payment
Another very significant feature to this loan is that it is cost effective in terms of upfront costs. The down payment is lower than a standard loan and only requires 3.5 percent of the purchase price.
3. Interest Rate
The interest rate is also substantially lower than a standard loan which means the purchaser will pay a lower monthly mortgage payment. (For current interest rates consult a qualified FHA lender)
4. Lenient Credit Requirements
Another benefit of securing a government insured loan is that those good people with “bruised credit” may also qualify with a lower FICO score. Also for buyers who previously filed bankruptcy the waiting period is only two years after the date the bankruptcy was filed. The waiting period of a foreclosure is three (3) years.
5. Loan Uses
This loan can be used for one (1) to four (4)-unit dwellings, single-family homes, condominiums and site condos (units in developments that look like single-family communities but are structured as condos), manufactured homes, homes moved from one site to another, “mixed use dwellings, and refinancing an existing loan up to 97% of the homes appraised value. Phew! The catch is that they must be owner occupied dwellings, not investment properties. The great thing about purchasing a multi-unit dwelling is that you can live in one unit and rent the others to decrease your monthly expenses.
Requirements
>No Investors Allowed! Must be owner occupied primary residence of purchaser.
>Borrower eligibility determined by HUD with a minimum income requirement.
>Debt ratios may be specific, depending upon the state.
>Minimum of $5,000 in eligible repairs (Maximum mortgage differs by state).
Disadvantages
>Past reputation for longer processing time and a few more hoops to jump through, than a
conventional loan. However with the current market and tighter lender requirements the gap
between a conventional loan and FHA loan processing period is narrowing.
>Due to the negative view that some real estate agents have towards FHA loans, getting an offer
accepted may in some cases be challenging.
For a list of FHA approved lenders contact your local HUD field office. You may also visit:
www.hud.gov for further qualifying and program and details.
To Find out more about how My First Michigan Home can help you qualify for your 203 k loan please feel free to go to www.myfirstmichiganhome.com
Tuesday, January 26, 2010
ON THAT NOTE
Donald Trump (being the independent spirit that he is) once stated that, "To be successful no one can do it alone. You must have the right selection of associates in business."
You've done your research, due diligence and acquired starting capital; now it's time to launch that new venture. At the beginning stages of building your business it is critical to assemble a strong team of competent professionals dedicated to assist you in achieving your goals.
Often investors and business owners alike stymie their growth, curtailing revenues because they're overwhelmed; wearing too many hats instead of having the confidence to delegate assignments and tasks to others as a result: shelving new opportunities.
This is one of the most common failures in business. One should use great care to select an associate who will be an inspiration to your team as well as bringing unique talents to the organization. This will help lay a solid foundation for the future of your enterprise and
ON THAT NOTE, do make it a great week!
You've done your research, due diligence and acquired starting capital; now it's time to launch that new venture. At the beginning stages of building your business it is critical to assemble a strong team of competent professionals dedicated to assist you in achieving your goals.
Often investors and business owners alike stymie their growth, curtailing revenues because they're overwhelmed; wearing too many hats instead of having the confidence to delegate assignments and tasks to others as a result: shelving new opportunities.
This is one of the most common failures in business. One should use great care to select an associate who will be an inspiration to your team as well as bringing unique talents to the organization. This will help lay a solid foundation for the future of your enterprise and
ON THAT NOTE, do make it a great week!
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