Rejoice! It's Summer in Sanford

REJOICE!

IT'S SUMMER in Sanford BY JERRY SULLIVAN Recreation Manager

Sanford residents rejoice in the return to some of their favorite outdoor activities. Sanford boasts many beautiful greenspaces and waterways, making it easy to soak up the sun at a safe distance from others. Bring on the summer fun!

GO BOATING ON LAKE MONROE

Sanford’s downtown marina offers boaters convenient access to Lake Monroe and the beautiful St. John’s River. It is not uncommon to see wildlife along the way. Many come to Sanford by boat to enjoy the sights, sounds and flavors of our town — utilizing the city’s free marina day slips located on the east side of Veterans Memorial Park (110 E. Seminole Blvd). If you don’t own a boat, there are rental companies with boats and jet skis available. Summers in Sanford and boating go hand in hand.

VISIT A PARK OR WALK ALONG THE RIVERWALK

There are many parks within city limits to relax and enjoy nature from a shared bench or picnic blanket. Take advantage of the swinging benches, gazebos, and magnificent views of Lake Monroe on the Sanford Riverwalk. Along the way, you can visit Veterans Memorial Park, Ft. Mellon Park, and the Sanford Museum. Utilize the fitness trail that borders Ft. Mellon Park to bring the kiddos to the Splash Pad to cool off from the summer heat.

PARKS & PLAYGROUNDS

All parks and trails are currently open from sunrise to sunset. There are tons of free activities available in the city including all outdoor basketball, tennis, pickleball and shuffleboard courts, along with playgrounds and green spaces now open for full use. And don’t miss the fun of beach volleyball at Mike Kirby Park, which is open seven days a week. City rental facilities will open their doors on July 15th, and applications are now being accepted.

BASEBALL

What would summer be without baseball? Well we’ve got baseball coming to Historic Sanford Memorial Stadium with the Florida Collegiate Summer League leading the way with great college baseball right here in Sanford. The league is scheduled to begin play in late June. Check out the schedule at www.FloridaLeague.com. But that’s not all, our Babe Ruth youth sports league is picking up the bats and balls on June 29th to finish out the Spring 2020 season at Chase Park. Stop by and check out the excitement taking place six days a week.

Tim Raines Sports Park– Corner of Celery Avenue – and Mellonville Avenue.

SWIMMING

If you want to cool off this summer, you can visit the Larry A. Dale Aquatic Center for lap swimming, relaxing under our new canopies or just a refreshing dip in the pool. This world class facility is home to champion swimming and water polo teams and is available six days a week for public swimming. Please check our website for current hours.

2703 Ridgewood Avenue

There’s something for everyone — Enjoy beautiful Sanford, today and every day.

CITY OF

¡QUÉ ALEGRÍA!

YA ES VERANO en Sanford BY JERRY SULLIVAN Gerente de Recreación

Por fin, los residentes de Sanford ya pueden sentirse felices y disfrutar del regreso de algunas de sus actividades preferidas al aire libre. Sanford cuenta con atractivas vías navegables y con espacios verdes, amplios y hermosos, así que usted podrá tomar tranquilamente el sol sabiendo que puede mantener una distancia segura con las demás personas. ¡Comience a disfrutar de la alegría del verano!

PASEOS EN BARCA EN EL LAGO MONROE

El puerto deportivo del centro de Sanford ofrece a los navegantes un acceso muy práctico al lago Monroe y al bellísimo St. John’s River. No es raro ver vida salvaje a lo largo del camino. Muchos vienen a Sanford en barco para disfrutar de las vistas, los sonidos y los sabores de nuestra ciudad, gracias a los pases de día gratuitos del puerto deportivo de la ciudad ubicados en el lado este del parque Veterans Memorial Park (110 E. Seminole Boulevar). Y no se preocupe si no tiene bote, porque hay empresas que alquilan tanto botes como motos de agua. En verano, Sanford y la navegación van totalmente de la mano. la ciudad donde poder relajarse y disfrutar de la naturaleza, descansando en un banco compartido o con una mantita de picnic. Aproveche los bancos tipo columpio, las glorietas y las magníficas vistas del lago Monroe desde el paseo del río. Por el camino, puede visitar el parque conmemorativo Veteran Memorial Park, el Fort Mellon Park y el Museo de Sanford. Utilice el sendero deportivo que bordea el parque Fort Mellon para llevar a los

más pequeños a los juegos de agua, de modo que puedan refrescarse y combatir el calor del verano.

PARQUES Y ÁREAS DE JUEGO

Todos los parques y senderos están actualmente abiertos desde el amanecer hasta el atardecer. Ahora mismo hay muchísimas actividades gratuitas por toda la ciudad, incluidas las canchas al aire libre de baloncesto, tenis, pickleball y juego de tejo, además de los parques infantiles y espacios verdes ahora abiertos y completamente disponibles. Y no se pierda la diversión de jugar vóley de play en el Mike Kirby Park, que está abierto los siete días de la semana. Las instalaciones de alquiler de la ciudad abrirán sus puertas el 15 de julio, y ya se están aceptando solicitudes.

VISITAS A PARQUES O PASEOS POR EL RIVERWALK

Hay muchos parques dentro de los límites de

BÉISBOL

¿Qué sería del verano sin el béisbol? Bueno, pues tendremos béisbol aquí en Sanford: en el estadio Historic Sanford Memorial Stadium y con la Liga veraniega Florida Collegiate liderando el camino con un excelente béisbol universitario. La Liga está programada para comenzar a jugarse a finales de junio. Consulte el calendario en www.FloridaLeague.com. Y eso no es todo, nuestra liga deportiva juvenil Babe Ruth estará tomando sus bates y pelotas en Chase Park el 29 de junio para terminar la temporada Primavera 2020. Vengan y disfruten de la emoción que durará seis días de la semana.

Parque deportivo Tim Raines, esquina de la avenida Celery y la avenida Mellonville.

NATACIÓN

Si quiere refrescarse este verano, puede visitar el Centro Acuático Larry A. Dale para nadar, relajarse bajo nuestros nuevos toldos o simplemente darse un refrescante chapuzón en la piscina. Esta instalación de categoría mundial es el hogar de equipos campeones de natación y waterpolo y está disponible seis días a la semana para que el público pueda ir a nadar. Por favor, consulte nuestro sitio web para confirmar el horario actual.

2703 Avenida Ridgewood

Hay actividades para todos: disfrute de la hermosa ciudad de Sanford, hoy y todos los días. n

MORTGAGE NEWS During Covid-19

From One of Sanford’s Experts, Chrissy Boutin

While the mortgage lending process may be overwhelming to some, I have been learning every facet of the industry over the last twenty years – working for title companies, mortgage lenders, and real estate brokerages. Currently, I own a mortgage processing company, where I assist mortgage brokers, correspondents, and banks as they guide their clients in homeownership.

Most people tilt their heads and nod vaguely when I mention contract processing. It may not sound very riveting, but I absolutely love what I do. I’m a numbers person and have the ability to compartmentalize the details of each transaction. Above all, it’s rewarding to smoothly facilitate the largest purchase most people make in their lifetime. Every transaction is different, and that’s what keeps things intriguing.

My role as a mortgage processor is to manage the paperwork and correspondence for brokers. Currently, I have two major accounts and am bringing on two more. Processing is probably the hardest part of closing a loan. I interact with up to twenty people per transaction, and I have forty to fifty loans in process at any given time.

3 TIPS on what to do it you are thinking about purchasing or refinancing your home during the COVID-19 Pandemic

Especially since the presence of COVID-19, hiring a mortgage processing company is more appealing to lenders than spending resources to train a processor only to fire them 6 months later. I often take overflow from mortgage companies when their processors are maxed out. For example, a mortgage company may have 75 loans to close but their staff can only handle 60 loans. Those additional 15 loans will be processed by me to insure every detail is thoroughly reviewed on every loan.

I have been getting a lot of questions lately about how the mortgage industry has been affected by the Corona Virus. Despite very low

Chrissy Boutin

interest rates across the board, the fear surrounding rising unemployment numbers has caused mortgage guidelines to tighten.

The majority of lenders will no longer accept credit scores below 640, and the ones that are require between 10 to 30 days for a mortgage decision. For reference, mortgage decisions were being made within 48 hours in February. They have also suspended portfolio loans, which are loans that assist consumers in purchasing a home that doesn’t meet the normal qualifying standards. Most jumbo loans have also been suspended.

The guidelines for self-employed borrowers have also tightened up because many non-essential employees’ income has been cut by 25%. Other banks and lenders are requiring you to have additional asset reserves for up to 12 months in your account depending on your current situation. Additionally, many who are out of work have requested forbearances up to 6 months, which has put a strain on the secondary market. The good news is that the amount lenders allow you to borrow has not changed, and there are still some products available that provide up to 100% financing. The sooner the job market recovers, the faster a lot of these COVID-19 overlays will start to disappear.

1. If you are currently in forbearance on any loan, a lot of lenders will NOT allow you to qualify for a mortgage.

2. Try to keep your credit card debt very low.

3. Do not quit your job. If you are currently not working but have a job, they will verify if your employment is not affected by the COVID-19.

When I’m not working, which isn’t very often, I enjoy spending time with my husband, Scott, kids and grandkids. We love to hang out at the beach and J.B.’s fish camp. "90 Day Fiancé" is my favorite show at the moment. Scott and I also love animals and have three of our own, Tulip, the pig, Ralph, the chihuahua, and Lucy, the rescue mix.

I work with some of the best mortgage brokers in the business, so feel free to call me if you are looking to purchase or refinance soon. I can refer you to some of the most knowledgeable lenders out there. n

The Processing Post • 407-221-0477 107 South Oak. Ave., Suite C, Sanford, FL 32771 Support@theprocessingpost.com www.theprocessingpost.com

Citizens Bank of Florida has a Branch that is located in downtown, Sanford, Florida and is excited to serve the Sanford area. Citizens Bank of Florida has been in business for 74 years and started as a community bank in Oviedo servicing businesses in the citrus, celery and cattle industries and has grown to have branches in Oviedo, Winter Park, Longwood, Sanford and DeLand.

Joe Deitz can help evaluate your capital needs and loan options. Joe has many years of experience in lending and banking products. Call today to experience the Community Banking difference. (All loans subject to credit approval)

Hannah Elvester has over 20 years of banking experience and is ready to help you with all your banking needs. Citizens Bank of Florida employees get to know their customers and put the word community in community banking.

Joe Deitz

Vice President Sales Manager

Hannah Elvester

Vice President Branch Manager NMLS ID# 784006

www.mycbfl.com