#first mortgage

[asherpamela67]

Pillar 3a Switzerland

Are you looking out for a reliable and much needed pension plan? If yes then make sure you have gathered sufficient information about pillar 3a Switzerland offering you everything you need to know about the best investment plans. Keep this up to date with your financial plans and policies as well as it may lead to a bigger impact in a progressive manner.

[larrywilson63]

Swiss Mortages

When it comes to buying a property, ensure that you know about almost all types of investment plans and policies. In regard to this, you should be aware of Swiss mortgages as well. it is one of the types of investments which comes with the policy terms to at least pay 20% of the property valued purchased. the remaining 80% is what mortgage experts do.

[tmortgage09]

First Mortgage in North York

As a first-time home buyer, obtaining a mortgage is a significant milestone in your journey towards owning your dream home. North York, Richmond Hill, and Toronto are popular areas for homebuyers, known for their diverse neighborhoods, convenient location, and desirable real estate options.

Visit our Blog - https://tmortgage09.blogspot.com/2023/04/unlocking-homeownership-first-mortgages.html

[yuwuta]

i love the “i can’t pay the mortgage this month” videos. satoru doesn’t even know what that is, he bought your house in cash, you say the word mortgage and he’s super confused he calls nanami to ask if that’s something he should have for the house—“it’s not like insurance right? i swear we have all that, we even have hurricane insurance because i saw a super scary videos online once nanamin oh my goodness the poor little cats clinging to the roof i almost cried. anyway do we need that?”

[thankstothe]

[kedreeva]

How did you get into keeping peafowl? They're one of those animals that I'd love to keep but have unfortunately made peace with the fact I probably won't have time and space to care for them in the future.

I loved them, and I was an asshole about it.

I lived with my mom in the suburbs, and purchased hatching eggs from eBay (don't do that), and a styrofoam incubator (don't do that), and hatched them in my closet (definitely don't do that) and brooded them in my bedroom (don't do that). A friend of my mom had recently got a farm, and agreed to keep them in a pen at her place until I bought a house, at which point I went out, got a stable full time job, started putting away money for a down payment, and seeing a real estate agent to look at hobby farms. About a year later, I found one that fit my criteria (house I didn't have to repair too much stuff in, acreage, barn), got a mortgage, and started building pens with my family.

This is, I feel I should not have to say, NOT the way to go about getting into peafowl. But I did turn my life around for them, so I can't complain about the end result.

That being said... I wouldn't give up entirely if I were you, if they are what you want in life, but I would just bear in mind that the road to them may be harder than you want to endure depending on your starting point. If you can acquire a dwelling space where they're allowed (it doesn't need to be "livestock" area, since some places consider poultry to be different than livestock, and peafowl fall under poultry), and you're willing to build them a pen, their care isn't particularly intense or anything. The space to keep them is the major hurdle.

[bitchesgetriches]

Hi, I'm staring down the idea of owning my own house. Do you have any advice about purchasing a house/townhouse/condo whatever? It will be my first owned property and mortgage. I've never taken out a major loan before.

Congrats, kitten! This is an exciting step.

I highly recommend this episode of our podcast, which is specifically geared towards the resources you need when getting ready to buy your first home:

Season 2, Episode 2: “I'm Not Ready to Buy a House---But How Do I *Get Ready* to Get Ready?” 

Did we just help you out? Tip us!

[guinevereslancelot]

unnerving to see people younger than me living their lives and doing adult stuff successfully. stop that you're supposed to eat ice cream for dinner and be unemployed

[rowanthestrange]

Today I learned B&Q have TARDIS panel wallpaper

[13/14’s TARDIS colour ; 9/10’s TARDIS colour]

[backslashdelta]

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[starredforlife]

WHY IS IT SO EXPENSIVE . to live

[whoslaurapalmer]

all the utilities have finally been contacted!!!!! 💖 still crying because it is still overwhelming and I get scared i didn't ask the right questions and get costs as low as possible and there's other stuff I have to do today but!!!!!!!!!!

[reasoningdaily]

The Navajo Nation has received a $55 million grant to help Navajo homeowners with mortgage payments and home repairs.

Navajo Nation President Buu Nygren said as many as 901 homeowners should qualify for the funds.

The money comes from the American Rescue Plan Act, which provides nearly $10 billion to support homeowners throughout the country who face financial hardships due to the COVID-19 pandemic.

The program is open to Navajo homeowners of all income levels within the Four Corner states who live on both tribal lands and in urban areas.

The funds must be used within three years.

PHOENIX — Urban Navajos who own homes off the Navajo Nation will soon receive some unexpected help they’ll want but didn’t need to ask for.

On Sept. 11, Navajo Nation President Buu Nygren told 250 Phoenix metro area Navajo homeowners that the Nation received a $55 million federal grant to provide financial assistance to Navajo homeowners under various Homeowner Assistance Fund programs.

This includes mortgage payments and home repair assistance.

As many as 901 Navajo homeowners should qualify for the money for their homes, he said.

“Make sure we tell everybody,” Nygren told an overflow crowd in the shade outside the historic Phoenix Indian School Visitor Center, one of the remaining buildings from the 100-year-old Indian boarding school.

They were outside because a capacity crowd was already indoors awaiting the same announcement, and Nygren wanted to address those in the 105-degree F heat first.

The Homeowner Assistance Fund was authorized through the American Rescue Plan Act to provide $9.9 billion nationwide to support homeowners who face financial hardships associated with COVID-19, the Nygren said yesterday.

The funds were distributed to states, U.S. territories, and tribes. The Navajo Nation was awarded $55,420,097.

Most federally funded programs are restricted to low- and very-low-income households.

This program allows higher-income Navajo homeowners to receive financial relief from the economic effects of COVID-19, as well.

“Tell your relatives,” Nygren said. “Say the $55 million that came from our government was specifically for Navajo people who are homeowners.”

To launch the process, Nygren signed an agreement with Native Community Capital. The group is a Native-led and operated non-profit corporation that was selected as the sub-recipient to administer the Homeowner Assistance Fund Project activities on behalf of the Navajo Nation.

Native Community Capital is certified by the U.S. Department of the Treasury as a Native Community Development Financial Institution and is a licensed mortgage lender in Arizona and New Mexico.

The program is designed for both higher-income and medium-income homeowners, Native Community Capital CFO Todd Francis said.

As an example, a family of four in Maricopa County in Arizona earning as much as $132,450 a year may be eligible for the tax-free, non-repayable funds to pay their mortgage or repair their homes, he said.

The program will benefit Navajo relatives and their families who reside in both rural remote locations and those in the urban areas of Phoenix, Albuquerque, Denver, Salt Lake City, surrounding smaller cities and towns, and wherever Navajo homeowners live off-reservation, said NCC CEO Dave Castillo.

A significant lack of investment in tribal communities compared to non-Indian communities has resulted in a critical absence of homeownership on tribal lands, particularly for higher-income Native households, he said.

As a result, Navajos with higher incomes tend to purchase or build homes off the Navajo Nation where they can qualify for loans and mortgages to build equity and wealth.

The Center for Indian Country Development reports that 78% of Native people live outside of tribal trust land in counties surrounding their homelands. It is these families the HAF Project will seek to support, Castillo said.

Nygren said the Navajo HAF Project will provide financial assistance to 901 eligible Navajo homeowners to use for qualified expenses in five activities for the next 36 months.

The program will provide financial assistance to eligible Navajo homeowners in the four-state region of Arizona, New Mexico, Utah and Colorado.

Each eligible applicant could receive a maximum amount of $125,000 of combined assistance under various programs.

These include:

Monthly mortgage payment assistance to a maximum assistance level of $72,000 per participant. This is for Navajo homeowners who are delinquent in mortgage payments or at risk of foreclosure due to a loss of household income.

Mortgage reinstatement assistance would give a maximum assistance of $50,000 per participant to those who are in active forbearance, delinquency default status, or are at risk of losing a home.

Mortgage principal reduction assistance that would assist up to $100,000 for those who find the fair market value of their home is now less than the price they paid for it and now may result in a loss when it is sold.

Home repair assistance that would give $100,000 to those who need significant home repairs.

Clear title assistance of up to $30,000 for grant assistance to receive a clear title of their primary residence.

In his 2022 presidential campaign, Nygren committed to helping urban Navajos who have said for years that they felt underserved by the tribal government. He said this grant addresses that.

He said one of his administration’s next goals is to buy or construct a building owned by the Navajo Nation in the metro area to serve urban Navajo Phoenicians.

“Wouldn’t it be nice if we used the entire $55 million this year?” Nygren asked. “I know you committed to live here and to take care of your family. I see a lot of familiar faces and I understand this is where your jobs are. We want you to have access to resources.”

Castillo urged applicants to be sure their applications were complete and submitted early.

“One thing we want to emphasize is to be ready when the information is being requested on the checklist,” he said. “Make sure you have your documents prepared and you get it to our licensed professionals that will be working with you. If you do not, the application will expire in 30 days.”

He said the program has just three years to deploy the $55 million.

“It seems like we could do that quickly but we can only do it quickly if you help us, if you’re ready, and if you submit the information that’s necessary.”

Debbie Nez-Manuel, executive director of the Navajo Nation Division of Human Resources, said visits to other urban areas will be planned, scheduled, and announced by Native Community Capital.

The funds must be used within three years.

So does any of this money go to the Black Indians Tribes? @militantinremission

maybe y'all should start asking for your cut right now cause they got it

[fundmaster]

Refinancing vs. Staying Put: What's Best for NZ Homeowners?

For New Zealand homeowners, deciding whether to refinance or stick with their current mortgage depends on several factors. Refinancing Mortgages can offer benefits such as lower interest rates, reduced monthly payments, or access to home equity for renovations. With fluctuating interest rates, 2024 may present opportunities for homeowners to lock in better deals, especially if current rates have decreased since their initial loan.

However, staying put can also be advantageous, particularly if breaking the existing loan incurs high penalties. Some homeowners may value stability over potential savings, especially if they have a fixed-rate mortgage and are close to the end of their term.

Ultimately, the choice comes down to personal financial goals. Refinancing may be a smart move if the long-term savings outweigh the costs, but for others, maintaining their current mortgage could provide peace of mind. Consulting a mortgage advisor can help weigh the options effectively.

[dhampir-dyke]

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[ppcbug]

As the federal government announces their budget, in an attempt to make life more affordable, the government will be looking into "Halal mortgages."

In other words implementing Sharia law!🤦‍♂️

Bad policy after bad policy