History European and English settlers arrived here in 1713 in what was originally part of the colonial precincts of Carteret and New Hanover. Onslow County was formed in 1734 and was named for the Honorable Arthur Onslow, Speaker of the British House of Commons. After a lethal 1752 hurricane, the county courthouse was relocated from Town Point to Wantland’s Ferry; this settlement was eventually incorporated in 1842 and named Jacksonville after President Andrew Jackson. Through much of the first half of the 20th century, the county was largely rural, with an economy based on agrarian and maritime communities. During World War II, Onslow County was dramatically changed in the early 1940s with the establishment of the United States Army Camp Davis near Holly Ridge (now defunct), and the creation of Camp Lejeune in 1941. This increased county population and generated related growth in housing and businesses. Onslow County’s flat, rolling terrain covers 767 square miles (1,990 km2) and is located in the southeastern coastal plain of North Carolina, approximately 120 miles (190 km) east of Raleigh and 50 miles (80 km) north of Wilmington. The city of Jacksonville is the county seat, and the areas surrounding the city constitute the major population centers and growth areas in the county. The county is home to more than 150,000 people and includes the incorporated towns of Holly Ridge, Richlands, Swansboro, North Topsail Beach, part of Surf City, and unincorporated Sneads Ferry. The U.S. Marine Corps Base, Camp Lejeune comprises approximately 156,000 acres (630 km2); more than 43,000 marines and sailors are stationed there. Geography
Demographics As of the census[10] of 2000, there were 150,355 people, 48,122 households, and 36,572 families residing in the county. The population density was 196 people per square mile (76/km²). There were 55,726 housing units at an average density of 73 per square mile (28/km²). The racial makeup of the county was 72.06% White, 18.48% Black or African American, 0.74% Native American, 1.68% Asian, 0.19% Pacific Islander, 3.62% from other races, and 3.22% from two or more races. 7.25% of the population were Hispanic or Latino of any race. There were 48,122 households out of which 42.60% had children under the age of 18 living with them, 61.00% were married couples living together, 11.60% had a female householder with no husband present, and 24.00% were non-families. 18.60% of all households were made up of individuals and 5.20% had someone living alone who was 65 years of age or older. The average household size was 2.72 and the average family size was 3.09. In the county the population was spread out with 26.20% under the age of 18, 23.80% from 18 to 24, 29.20% from 25 to 44, 14.40% from 45 to 64, and 6.30% who were 65 years of age or older. The median age was 25 years. For every 100 females there were 123.20 males. For every 100 females age 18 and over, there were 131.30 males. The median income for a household in the county was $33,756, and the median income for a family was $36,692. Males had a median income of $22,061 versus $20,094 for females. The per capita income for the county was $14,853. About 10.80% of families and 12.90% of the population were below the poverty line, including 16.70% of those under age 18 and 14.70% of those age 65 or over. Law and government
According to the U.S. Census Bureau, the county has a total area of 906 square miles (2,350 km2), of which 763 square miles (1,980 The structure of local government in Onslow County was estabkm2) is land and 143 square miles (370 km2) (16%) is water. lished in the late 19th century. It consists of a five-member Board of Commissioners, all elected at-large for four-year terms. In contrast to electing members from districts, this structure means that candidates are elected by the majority population in the county, reducing representation of any minority points of view. The Board establishes policies and ordinances implemented by the County Manager and his staff. Commissioners are, Barbara M. Ikner (Chair), Paul Buchanan (Vice-Chair), Jack Bright, Million Heir-Williams, and W.C. Jarman. The main law enforcement agency for Onslow County is the County Sheriff ’s Department. The elected sheriff is Hans Miller. Onslow County is a member of the regional Eastern Carolina Council of Governments.
History and Demographics info for Onslow, Nc
A BRIEF HISTORY OF ONSLOW COUNTY
Onslow County offers the ultimate in outdoor coastal recreation and sports with over 30 miles of beautiful beaches, rivers and ocean teeming with an abundance of marine life, and forests filled with diverse wildlife. The scenic 40 mile long New River is the only large river in the continental United States with headwaters and mouth in the same ttracted by the waterways and longleaf pine for- county. Onslow County also remains an important agriculests, the first European and English settlers arrived tural force, its rich farmland still yielding bountiful crops. here in 1713 in what was originally part of the colo- Today the abundance and beauty found in scenic terrain, nial precincts of Carteret and New Hanover. Onslow shoreline, and seascape continue to define Onslow County, County was formed in 1734 and was named for the attracting industry, tourism, and families to our distinctive Honorable Arthur Onslow, Speaker of the British community. House of Commons. After a lethal 1752 hurricane, the county courthouse was relocated from Town Point to Wantland’s Ferry; this settlement was eventually incorporated in 1842 and named Jacksonville after President Andrew Jackson. Largely a collection of sparsely populated agrarian and maritime communities, Onslow County dramatically changed in the early 1940s with the establishment of the Army’s Camp Davis near Holly Ridge (now closed), and the creation of Camp Lejeune in 1941.
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Onslow County’s flat, gently rolling terrain covers 767 square miles and is located in the southeastern coastal plain of North Carolina, approximately 120 miles east of Raleigh, and 50 miles north of Wilmington. The city of Jacksonville is the county seat, and the areas surrounding the city constitute the major population centers and growth areas in the county. The county is home to more than 185,000 people and includes the incorporated towns of Holly Ridge, Richlands, Swansboro, North Topsail Beach, part of Surf City, and unincorporated Sneads Ferry. Approximately 156,000 acres comprise the U.S. Marine Corps Base, Camp Lejeune and more than 43,000 marines and sailors are stationed there. The structure of local government in Onslow County was established in the late 19th century and consists of a five-member Board of Commissioners, elected at large for four-year terms. The Board establishes policies and ordinances implemented by the County Manager and his staff. Commissioners are: Chairman, Paul Buchanan, Vice Chairman, Barbara Melton Ikner, Jack Bright, W.C. Jarman and Lionell Midgett.
The Time-Management Strategy That Will Help You Get Your Workout In Every Day Lewis Howes
September 30, 2015 Struggling to make time for exercise? Find out how to implement “time blocking” from fitness expert AJ Roberts. Imagine being the world’s strongest man. This means you would have lifted more weight than any other guy on the planet. Tall order, right? AJ Roberts saw that challenge and took it on. In fact, he spent 10 years training to become the strongest and when the test came, he delivered. I’ve known AJ for years and am not surprised he accomplished this amazing feat. In fact, he’s currently training to now become the world’s fittest man. But it’s not his incredible body, genetics, or awesome supplements that have gotten him his amazing wins. It’s his discipline to make plan every day and stick to it. When we discussed his strategies for making time to work out (in addition to running a business), AJ credited time blocking as a key to his success. Time blocking is when you set aside focused intervals of time to do just one thing (like go to the gym, work on a specific task, and so forth) and make a point to adhere to that schedule for the entire day.
Related: 3 Ways to Keep Time From Stressing You Out
If you’re already feeling like this is restrictive and boring, hang on. AJ pointed out that this principle is as successful in business and dieting as it is in working out because you don’t waste time deciding what to do all day. Instead, you get things done quicker because you avoid distractions and dead time. AJ holds that structure actually gives you freedom to do what you want because you know you’re going to accomplish what you need to, per your time blocking. If you are prepared, your day can go according to plan. My own experience completely backs this idea up. When I was in high school, I attended a private boarding school where everything was very structured. From the minute I woke up until bedtime, I knew where I was supposed to be and what I was supposed to be doing, so I couldn’t waste time. It was extremely helpful and taught me good habits early on (which I admit I don’t always follow). If you’ve been struggling to get your workouts in every day, or even if you have the time, try AJ’s method of time blocking for a week and see what a difference it makes. You might find the structure gives you more time than you could have imagined.
Welcome to Onslow County - District 4B Onslow County Courthouse Each year, in this county alone, over 45,000 new court proceedings are filed. In each of these cases, it is the goal of our local court system to guarantee for each citizen that promise inscribed above the entrance to the Onslow County Courthouse: EQUAL AND EXACT JUSTICE TO ALL Onslow County was recognized in 1731, and sits on the coast between Carteret County on the north, and Pender County on the south. It was named for Arthur Onslow, who was speaker of the British House of Commons for 33 years. Our local court facilities are primarily housed in the Old Courthouse and the Summersill Building, located adjacent to each other, in the downtown area of Jacksonville, the county seat. Visitors to Onslow County will also find: Camp Lejeune Marine Base, a huge facility spreading over 170 square miles and home of the II Marine Expeditionary Force, as well as the Marine Corps Air Station at New River. The New River, having a width of several miles below Jacksonville, and being the only river in North Carolina to have both its headwaters and mouth in the same county. Beautiful beaches, running from Swansboro through Camp Lejeune to Topsail Island. Coastal Carolina Community College, with its main campus located on Western Boulevard, offering a wide array of both day and evening classes. The towns and communities of Swansboro, Richlands, Holly Ridge, North Topsail Beach, and Sneads Ferry.
Court Telephone Directory Telephone Fax Clerk of Superior Court (910) 478-3600 (910) 478-3601 (910) 478-3609 Lisa M. Brown, Clerk of Superior Court Bookkeeping (910) 478-3605 Child Support (910) 478-3608 Civil District Court (910) 478-3603 Civil Superior Court (910) 478-3607 Criminal District Court (910) 478-3602 Criminal Superior Court (910) 478-3606 Estates & Special Proceedings (910) 478-3604 Jury Clerk (910) 478-3679 Jury Reporting Instructions; Civil (910) 478-3741 Jury Reporting Instructions; Criminal (910) 478 3742 Small Claims (910) 478-3629 Superior Court Judges (910) 478-3616 (910) 478-3617 Charles H. Henry, Senior Resident Superior Court Judge Maegan Berch, (910) 478-3616 (910) 478-3617 Trial Court Administrator ext 3 Sheri Cameron, (910) 478-3616 (910) 478-3626 Trial Court Coordinator ext 4 District Court Judges (910) 478-3612 (910) 478-3613 Paul A. Hardison , Chief District Court Judge Henry L. Stevens IV James L. Moore, Jr. William M. Cameron III Louis F. Foy, Jr. Sarah C. Seaton Carol Wilson Jones Robin Bright (910) 478-3612 (910) 478-3613 District Court Judicial Assistant Jennifer Harrell (910) 596-6612 (910) 596-6613 District Court Judicial Assistant
District Attorney (910) 478-3610 (910) 478-3611 Ernie Lee Guardian ad Litem District 4A & 4B Counties: Jones, Onslow (910) 478-3621 (910) 478-3622 Counties: Duplin, Sampson (910) 275-7021 (910) 275-7022 Custody Mediator (910) 478-3614 (910) 4783622 Juvenile Court Counselors (910) 347-2191 Magistrates (910) 478-3619 (910) 478-3620 Public Defender Related Telephone Numbers
Onslow County Courthouse
Board of Elections (910) 455-4484 County Manager (910) 347-4717 Department of Social Services (910) 455-4145 Probation/Parole Office (910) 455-4826 Register of Deeds (910) 347-3451 Sheriffs Department (910) 455-3113 Veteran Services (910) 347-3309 Disability Access Coordinator
(910) 478-3635
Hans J. Miller Sheriff of Onslow County, North Carolina Hans J. Miller took office for Onslow County, North Carolina as Sheriff on December 1, 2014. Sheriff Miller is a lifetime law enforcement officer who has served his country as a United States Marine, has served his state as an SBI special agent, and his county as a Deputy Sheriff and Chief of Police. Sheriff Miller retired from Onslow County as the Chief of Police of Albert J. Ellis Airport in March 2014. He left county employment solely for the purpose of devoting his time to his political campaign as Sheriff and to meet with the citizens of Onslow County so that he can share his vision for the future, and to listen to them about much needed changes. Prior to his appointment as airport Chief of Police, Sheriff Miller served as a Deputy Sheriff at the Onslow County Sheriff ’s Office, supervising and conducting crime scene investigations (CSI), including homicide investigations.
Hans J. Miller
Prior to being employed with Onslow County, Sheriff Miller was sworn as a Special Agent with the North Carolina State Bureau of Investigation (SBI) from January 1997 to May 2009, conducting major crime scene (homicide and other serious felony) and computer crime investigations. He served on the Internet Crimes Against Children (ICAC) Task Force and the FBI’s Cybercrime Task Force. Sheriff Miller was also sworn as a Special Deputy United States Marshal in order to enforce federal criminal laws. Prior to his employment with the SBI, Sheriff Miller was a Military Police officer in the United States Marine Corps, serving as a Patrol Officer, Patrol Supervisor, Shift Commander, Field Operations Officer, Antiterrorism & Crime Prevention Officer, Deputy Base Inspector, Investigator, and Provost Marshal of Marine Corps Air Station New River, North Carolina. Sheriff Miller entered Marine Corps basic training as a Private, rose to the grade of Gunnery Sergeant, and then attended Officer Candidate School (OCS) and was commissioned a Second Lieutenant. Sheriff Miller retired at the grade of Major, and as an enlisted Marine, Sheriff Miller also served in the Field Artillery. Sheriff Miller is a graduate of the Coastal Carolina Community College (AA-Honors) and the University of North Carolina at Wilmington, where he earned a Bachelor of Arts degree in Sociology with a Criminal Justice Emphasis (Cum Laude), and has conducted graduate course work for his Masters degree in Public Administration at the University of Virginia and Webster University. Sheriff Miller is also a graduate of the Federal Bureau of Investigation’s National Academy (FBI NA), the State Bureau of Investigation Academy, and has been awarded the North Carolina Advanced Law Enforcement certificate. He has attended over 5,500 hours of law enforcement, investigative, and leadership training. Sheriff Miller was certified as a general and specialized state law enforcement instructor, and has served as an adjunct faculty member at Coastal Carolina Community College, instructing curriculum college courses.
Naval Hospital Camp Lejeune Official Address: 100 Brewster Blvd, Camp Lejeune, NC 28547 Phone:(910) 450-4300 Brynn Marr Hospital Address: 192 Village Dr, Jacksonville, NC 28546 Phone:(910) 577-1400 Family Urgent Care Urgent Care Facility Address: 2580 Henderson Dr, Jacksonville, NC 28546 Phone:(910) 346-1188 Family Urgent Care Urgent Care Facility Address: 2580 Henderson Dr, Jacksonville, NC 28546 Phone:(910) 346-1188 Onslow County Health Department Public Health Department Address: 612 College St, Jacksonville, NC 28540 Phone:(910) 347-2154 Onslow Memorial Hospital Address: 317 Western Blvd, Jacksonville, NC 28546 Phone:(910) 577-2345 Goshen Medical Center - New River Medical Center Address: 1200 Hargett St, Jacksonville, NC 28540 Phone:(910) 219-1082 Animal Hospital of Onslow County Address: 296 Doctors Dr, Jacksonville, NC 28546 Phone:(910) 238-3100 Jacksonville Veterinary Hospital Address: 131 Wilmington Hwy, Jacksonville, NC 28540 Phone:(910) 347-3186 Womens Healthcare Associates Address: 245 Memorial Dr, Jacksonville, NC 28546 Phone:(910) 353-4333
Mission... Onslow County Consolidated Human Services delivers supportive, social, economic, protective, and health services that build better lives for individuals and families. Senior Center of Excellence... Onslow County Senior Services is a certified Senior Center of Excellence. Centers of Excellence are those that go above and beyond what typical centers provide for their senior populations. At Onslow County Senior Services, we strive to provide exemplary service to everyone. We provide a wide array of services and activities to meet the needs of the community. It is our goal to make these services accessible throughout the county. We have four nutrition sites where seniors can receive nutritious meals, as well as take part in classes and other social activities. In home and social work services help to provide for the needs of the home bound in our community. Home Health and Hospice care is also provided for those in need.
Senior Services
4024 Richlands Hwy Jacksonville, NC 28540 PH: 910-455-2747 FX: 910-455-0781 Link to Google Map Hours of Operation Monday thru Friday, 8:00 AM - 5:00 PM Saturday, Sunday & Holidays - Closed
Schools in Onslow, Nc
Elementary Middle High School Bell Fork Elementary School (910) 347-4459 Blue Creek Elementary School (910) 347-1717 Carolina Forest International Elementary School (910) 346-1778 Clyde Erwin Elementary Magnet School of International Studies and Cultural Arts 910-347-1261 Dixon Elementary School (910) 327-2104 Dixon High School 910-347-2958 Dixon Middle School 910-347-2738 Hunters Creek Elementary School 910-353-4443 Hunters Creek Middle School 910-353-2147 Jacksonville Commons Elementary School 910-347-1056 Jacksonville Commons Middle School 910-346-6888 Jacksonville High School 910-989-2048 Meadow View Elementary (910) 478-3522 Morton Elementary School 910-353-0930 New Bridge Middle School 910-346-5144 Northside High School 910-455-4868 Northwoods Elementary School 910-347-2808 Northwoods Park Middle School 910-347-1202 Onslow County Learning Center 910-326-2305 Parkwood Elementary School 910-347-6711 Queens Creek Elementary School 910-326-5115 Richlands Elementary School (910)324-4142 Richlands High School (910) 324-4191 Richlands Primary School 910-324-3139 Sand Ridge Elementary School 910-326-5199 Silverdale Elementary School 910-326-5146 Southwest Elementary School 910-347-0900 Southwest High School 910-455-4888 Southwest Middle School 910-455-1105 Stateside Elementary School (910) 478-3460 Summersill Elementary School 910-455-2672 Swansboro Elementary School 910-326-1501 Swansboro High School 910-326-4300 Swansboro Middle School 910-326-3601 Thompson Early Childhood Center 910-346-6222 Trexler Middle School 910-324-4414 White Oak High School 910-455-1541
Rick Stout Superintendent
Pic’s of Your County
Boating In Onslow, NC !!
Fun Things To Do in Onslow, Nc
Top Ten If you’re anxious to get a jump-start on planning your trip to Onslow County, we’ve got some suggestions to help things go smoother. Check out our top ten list of things to do, which we know you won’t want to miss. It’s a great resource as you start to plan your itinerary. If you’re here on business, don’t forget to have some fun while you’re here. TOP TEN THINGS TO DO 1. Spend the day at the beach. 2. Spend some time panning for gems at 30 Acres and a Mule. 3. Visit the Freedom Fountain. 4. Enjoy a hayride and family style meal at Mike’s Farm. 5. Pet the alligator at Lynnwood Zoo. 6. Enjoy a stroll through downtown Richlands on their historic walking trail. 7. Visit the oldest continuous USO in the world. 8. Rent a yacht for some time on the water. 9. Play a week worth of golf with 7 different golf courses. 10. Spend some time on Bear Island - take a ferry from mainland at Hammocks Beach State Park. Hampton Inn & Suites Hampton Inn & Suites Jacksonville offers spacious nonsmoking rooms with our clean and fresh Hampton bed, comfortable soft seating, HDTV and easy to operate alarm clock/radio. The free high-speed internet access will help you stay connected while on the road. If you prefer not to work at the desk, you can use the convenient lapdesk instead. You’ll also enjoy the convenience of having a coffee maker with tea service as well as an iron/ironing board in your room. In the bathroom, you will enjoy our large dressing area with fluffy towels, WaterPik shower head and curved shower rod that allows more light and space in the shower. Choose from select rooms which offer either a single king-size Hampton bed or two queen-size Hampton beds. Special rate: 10% off select rooms per night Regular rate: $139 per night This hotel will soon be joining the Hilton Worldwide Portfolio of Brands and is presently accepting reservations for arrival April 8, 2013 and beyond. 1032 Hampton Inn Way, Jacksonville, 28546 Phone: 910-347-3400 Website: www.jacksonvillesuites.hamptoninn.com
Onslow County North Carolina Churches Providence United Holiness Church Churches, Religious Services & Organizations, Churches Holiness, Churches All Denominations. 2550 Piney Green Rd Midway Park, NC 28544 910-378-7604 River of Life Church Chiropractors, Churches Full Gospel, Churches, Religious Services & Organizations. 1940 Gum Branch Rd Jacksonville, NC 28540 910-346-1114 Trent River Ogmb Churches, Religious Services & Organizations. 465 Georgetown Rd Jacksonville, NC 28540 910-347-9200 Victory Deliverance Temple Church Churches, Religious Services & Organizations, Churches All Denominations. 183 Ander Moore Rd Maple Hill, NC 28454 910-346-5838 New Beginnings Churches, Religious Services & Organizations. 699 Bell Fork Rd Jacksonville, NC 28540 910-989-0877 Bethany Baptist Church Churches Baptist, Churches, Religious Services & Organizations. 1077 9 Mile Rd Richlands, NC 28574 910-455-2005 Richlands Community Out Reach Ministry Churches, Religious Services & Organizations. 8701 Richlands Hwy Richlands, NC 28574 910-324-6586 Lutheran Church of Our Savior Churches Evangelical Lutheran, Churches Evangelical, Churches, Religious Services. 1115 Lejeune Blvd Jacksonville, NC 28540 910-347-2207 Cornerstone Church Churches, Religious Services & Organizations. 117 Mcgowan Rd Jacksonville, NC 28540 910-324-2946 God’s House of Deliverance Churches, Religious Services & Organizations. 2542 Onslow Dr Jacksonville, NC 28540 910-346-9329
Mission... To provide the citizens of Onslow County an environmentally sound Subtitle D Landfill, operate convenience centers, and manage the recycling program that include tires and white goods.
Recyclable Material List and Proper Disposal/Recycle Methods for Specialized and Hazardous Waste
Household Hazardous Waste
– Please Call or Email Lisa_Rider@onslowcountync.gov (910) 9371442 or (910) 3303140 for proper disposal information.
Single-stream Recyclables – ALL IN ONE BIN!
Aluminum: Cans, Pans, and Foil Steel: Food Cans and Scrap Metal Glass: All colors of glass accepted Aerosol cans containing no propellant or material Mixed paper: White writing paper and stationer, Tablet paper and tablet cardboard, White and colored copy paper, Computer paper (green and blue bar), Colored triplicate forms, Sticky notes, Paper wrappers, Magazines, Newspaper, Blueprint paper, All envelopes, Junk mail, Telephone books, Paperback books, Manila folders, Boxboard (e.g., cracker or cereal boxes), Corrugated cardboard Plastic bottles or containers: #1-7 Plastics, including all bottles, large plastic toys, cds, dvds, and cases, playground equipment, lawn furniture, and plastic buckets. (NO BAGS OR STYROFOAM PLEASE!) Batteries: Drop at your local convenience center site to be recycled. (FREE)
Solid Waste / Landfill 415 Meadowview Road Jacksonville, NC 28540 PH: 910-989-2107 FX: 910-455-6339
www.onslowcountync.gov/landfill
Shingles: Drop at the Shingle Recycling Site at the landfill location. ($49/ton) Electronics: Anything with a cord can be recycled at the Convenience Center sites or Landfill location. (TVs, Monitors, and Microwaves are $3.00 each and all other electronics are FREE) Empty toner cartridges: Drop at any Convenience Center site or Landfill location. (FREE) Tires: Drop at your local convenience center site or landfill location to be recycled. (FREE) Appliances: Drop at your local convenience center site or landfill location to be recycled. (FREE) Oyster Shells: Drop at the Oyster Shell Recycling Site at the landfill location. (FREE) Cooking Oil, Motor Oil, Anti-freeze: Please place back in original container and hand to a Convenience Center site monitor, scale house operator at the landfill, or call (910)989-2107 for more info. (FREE) Wood Pallets and UNTREATED Lumber: Pallet Recycling Station at the Landfill location. ($25/ton) CFL Light Bulbs: Home Depot and Lowes Recycling Station or Seal in Plastic and Hand to Scalehouse Staff Large Tube Bulbs: Landfill Location – Hand to Scalehouse Staff Syrofoam Packing Peanuts: Shipping Stores throughout the area (call ahead to see if they will accept them to be recycled) Mercury Thermostats: Do not remove from plastic casing, Place in sealed plastic bag, Hand to Convenience Center Site Staff or Scalehouse Staff to be recycled. (FREE Plastic Bags: Take back to a store that recycles them or BRING YOUR OWN
RECYCLING IN ONSLOW COUNTY, NC
FHA Loan Requirements Important FHA Guidelines for Borrowers
The FHA, or Federal Housing Administration, provides mortgage insurance on loans made by FHA-approved lenders. FHA insures these loans on single family and multi-family homes in the United States and its territories. It is the largest insurer of residential mortgages in the world, insuring tens of millions of properties since 1934 when it was created. Learn more about FHA loan requirements and guidelines. FHA Mortgage Insurance FHA insured loans require mortgage insurance to protect lenders against losses that result from defaults on home mortgages. Update: FHA Lowers Mortgage Insurance in 2015 FHA Loan Limits FHA lending limits vary based on a variety of housing types and the state and county in which the property is located. Your Loan Checklist. Before you start the loan process, you’ll want to be prepared for the loan application. Have your information organized and ready for your loan officer. Be prepared to pay for property appraisal and a credit report. FHA Closing Costs. While FHA defines which closing costs are allowable as charges to the borrower, the specific costs and amounts that are deemed reasonable and customary are determined by each local FHA office. FHA Debt Ratios. In order to prevent homebuyers from getting into a home they cannot afford, FHA guidelines have been set in place requiring borrowers and/or their spouse to qualify according to set debt to income ratios. FHA Credit Issues. An FHA loan applicant’s past credit performance that demonstrates good credit history and a solid track record of timely payments will likely be eligible for the mortgage. FHA Tips for Home Owners and Home Buyers: Useful information about FHA refinance loans, new FHA loans, and the guidelines that HUD wants you to follow. About the FHA Today the mission of the FHA includes helping borrowers get amounts they qualify for, and assisting lenders by reducing their risk in issuing loans.
Credit Problems and a HUD Housing Loan
If you have had credit problems in the past, the FHA recommends a Consumer Credit Counseling program to avoid being denied an FHA loan. The FHA TOTAL Scorecard If you submit FHA paperwork electronically, the FHA TOTAL Scorecard is used to measure the credit risk of all FHA loans submitted through the automatic underwriting system. Applying for an FHA Loan The FHA asks for a lot of information on your FHA loan application. You will need to provide the FHA with a wide range of details. Additional Paperwork for Veterans The FHA asks that veterans submit the DD Form 214 along with their FHA loan application paperwork. The DD Form 214 is the official record of discharge from the Armed Forces. FHA/HUD Insured Mortgages and Refunds If you have an FHA loan or HUD insured mortgage, you may have paid an “up-front” mortgage insurance premium at the closing of your house.
Popular FHA Loans
The 203(b) FHA Fixed Rate Mortgage Loan Program is the widely used FHA home loan, especially among first time home buyers. Where FHA Mortgages Come From FHA loans do not come directly from the FHA. The FHA guarantees home loans, reducing the risk to lenders and offering increased borrowing power to qualified applicants. Pre-qualify for an FHA Home Loan To pre-qualify for this mortgage, you should be ready to demonstrate employability, job stability and reliability. The Increased FHA Loan Amount In early 2006, a HUD press release announced an increase of nearly thirty thousand dollars in FHA-insured home loan money being made available to borrowers for single-family home mortgages. -- See the Complete List of FHA Borrower Tips --
FHA Loan Articles
Read About Mortgage News, FHA Updates, and Guidelines HUD 4000.1, FHA Loan Applications, and Credit Reports The new HUD 4000.1 handbook includes new rules about existing policy, revised language for some loan rules, and other changes. Has qualifying for an FHA mortgage under the new rulebook changed? The FHA Refinance Loan Maximum Mortgage Calculation There are many myths people have about FHA home loans. One is the nature of the required FHA mortgage down payment or maximum financing available. The borrower is required to make a minimum down payment on all new purchase FHA mortgage loans (3.5%). Does Being a Co-Signer on Another Loan Hurt Your FHA Loan Application? Some wonder: does being a co-signer on someone else’s financial obligation might affect an applicant’s chances for FHA loan approval? Does being a co-signer have any influence on how the lender views your credit or debt-to-income ratio? FHA Streamline Refinancing: Appraisal Required? It can be easy to get confused over the difference between lender requirements and FHA refinance loan standards--did you know that FHA loan rules for Streamline Refinancing permit the lender to require things the FHA rules don’t insist upon? FHA Changes Loss Mitigation Policies In April 2015, the FHA and HUD changed some of its policies in order to help FHA borrowers avoid foreclosure and keep their homes. No FHA loan applicant goes into the home loan or refinance loan process expecting to default on their mortgage payments sometime in the future.
HELP GETTING HOME LOANS !!!
Aries (Mar21/Apr20):
It’s important to play by the rules between January and mid-June. Resist the urge to cut corners or demand special favours. By showing respect for authority, you will pave the way for future success. It can be difficult for an impulsive character like you to wait your turn, but it is a lesson worth learning. The powers that be are watching your progress closely. They need to know you can be entrusted to follow the rules, as well as enforce them. Your focus will shift to an intimate relationship during the second half of June, when you’ll be forced to share resources with a lover or business partner. Are you single? This is your opportunity to build financial security. Paying off a debt will be challenging, but you can do it by mid-September. Once you fulfil your obligations to creditors, you’ll be free to pursue a course of study or go on an overseas trip. Be sure to do something that will expand your horizons any time between the second half of September through to the end of December.
Taurus (Apr21/May21):
Budgeting is critical between January and the middle of June. This is your chance to achieve financial independence, provided you make a concerted effort to pay your bills. If you’re drowning in debt, consolidate your loans into one, low interest payment. Make regular payments until you’ve totally wiped out this obligation. That will require cutting back on luxuries. Indeed, you may be living on a shoestring for the first half of 2015, but the sacrifice will be worth it. Your love life will require serious attention during the second half of June, when your partner will need extra help. By coming forward at their hour of need, you’ll emerge much stronger as a couple. By mid-September, you’ll be able to redefine the parameters of your relationship. Don’t be surprised if you achieve a new level of physical intimacy at this time. If you’re single, you will be able to meet someone who brings a great deal of happiness to your life. Both of you are extremely sensual and will have good chemistry in the bedroom. Life will be much sweeter thanks to this attentive lover.
Leo (Jul24/Aug23):
Getting serious about a casual romance will be in the cards between January and mid-June. You’re no longer interested in having fun. You want to build a life with someone special. If you’re already in a committed relationship, you will have to make a concerted effort to be more passionate towards your amour. It’s so easy to fall into a boring pattern when you’re used to being together. Don’t make that mistake in 2015, when it becomes imperative to inject some passion into your life. The period between June and September causes you to make big changes to your home life. You may ask an elderly relative to move in with you, or it’s possible you will move to a smaller place. There’s even a chance you will be dealing with some residual pain from childhood. Working through these issues with a trusted therapist will be tremendously helpful. Things on the domestic front will settle down in late September, when you’ll be inspired to develop some latent creative talent.
Virgo (Aug24/Sep23):
Family responsibilities will continue to require a great deal of time between January and mid-June. An elderly relative may require your care. You might be called upon to give extra instruction to a child who is struggling in school. It may be necessary to make room in your household for an out of work relative. If you’re struggling with house payments, you might decide to move to a smaller place that is more affordable. Whatever the changes ahead, they will try your patience. Lean on friends and family when you need an emotional boost. By mid-June, you’ll have to work extra hard to stick to a schedule, as mechanical breakdowns and traffic snarl ups will delay your progress. Be as flexible as possible and make sure to bring in your car for regular servicing. Backing up your computer on a regular basis is also recommended. Once late September arrives, you’ll be back to attending to family matters. An older relative’s advice is definitely worth taking. Addressing these domestic dramas will increase your confidence and strengthen your resolve.
Yearly Horoscopes
Sagittarius (Nov23/Dec21):
It’s important to take your needs seriously between January and mid-June. Instead of worrying what will make everyone else happy, put your priorities first. If this means getting more sleep or exercise, so be it. You’ll have to scale back commitments to others, but it can’t be helped. If you’re determined to switch careers, you’ll have to go back to the classroom. Spending less time with friends and family will be part of the equation. Don’t back down from your goal. By the middle of June, the focus will move to your private life. Certain people who have been draining your energy will be thrown by the wayside. Onlookers will be shocked by your seemingly callous behavior, but you really don’t owe them any explanations. Do whatever is necessary to create a life of peace, tranquillity and contentment. If that means turning your back on troublemakers and emotional vampires, do it. Once late September arrives, you’ll resume striving towards an important goal. There won’t be much time for fun and games, but you will make tremendous progress during this fateful period.
Capricorn (Dec22/Jan20):
Facing your demons will be a continuing theme from January through mid-June. Use this time to take stock of what you really want from life. Any relationships that drain you of energy will fall by the wayside. You simply don’t have the patience to deal with emotional vampires anymore. Once you drive these pests from your midst, you’ll have more time for solitary projects. Spending time on a hobby will be spiritually rewarding. It will be a relief to do work that isn’t related to income or status. Whether you’re working with fabric, wood, clay, or semi precious stones, this activity will bring profound contentment. Your focus will change during the second half of June, when you’ll get involved with a prestigious charitable organization. Donating your time and money to a good cause will renew your faith in humanity. You will also get the chance to spearhead a fundraiser. Thanks to your executive ability, a worthwhile cause will be considerably enriched. The job will be finished in late September, allowing you to resume your hobby with renewed enthusiasm.
Gemini (May22/Jun21):
Erratic friends will prompt you to take a second look at your social circle. You will decide that quality, not quantity, is more important when it comes to social contacts. You’ll begin to ease the flakes from your midst as early as January and will continue to do so all the way through mid-June. Although you hate to hurt anyone’s feelings, you simply can’t tolerate waiting for people who are perpetually late for meetings. Your patience will also wear thin for those who fail to deliver on promises. By June, an important job will start to cut into your leisure time. You’ll be spending more time on an engrossing assignment that requires every bit of your focus. If you do a good job with this client, you’ll pave the way for bigger and better contracts. Once mid-September arrives, you’ll have more time for your personal life. This may mean spending romantic evenings with your partner, rather than going out in large groups of friends. 2015 is about establishing intimacy and getting serious about what you really want from life.
Cancer (Jun22/Jul23):
Establishing a fitness routine is critical between January and mid-June of this year. If you detect a twinge or pain, get medical attention for the issue. You may have to alter your dietary habits as a result. At first, this will be difficult, as you will long for the days when you could just eat whatever you wanted. The longer you abstain from the ingredients that are giving you grief, the better you will feel. Pretty soon, you will no longer crave the foods that created such digestive distress. By June, you’ll be feeling so well that you’ll decide to embark on a new hobby. Developing your raw talent for cooking, crafting, or refurbishing will give you lots of pleasure. If you play your cards right, you could turn this pastime into a profitable business. Be sure to resume your health regime in September, when you’ll need all of your energy to tackle unexpected emergencies at work. The healthier you are, the easier it will be to move up the ladder to success.
Libra (Sep24/Oct23):
Close relatives and neighbors will be less than helpful, especially between January and mid-June and then again from the middle of September until the end of the year. If you’re going away, make sure you have several names of reliable sitters for children and pets. It may take a few phone calls before finding someone who can care for your precious ones while you’re away. Mechanical trouble could also rear its ugly head. Be sure to have your car serviced on a regular basis and be ready to replace any faulty wires or tires whenever a problem arises. Money will be tight between the middle of June and the second half of September. Learning how to operate more efficiently will be critical. You won’t have much spare time, so make the most of your working hours. By increasing your productivity, you’ll be able to withstand cuts to your department. Acquire as many skills as you possibly can at mid-year. If you’re having difficulty finding work, it may be necessary to take a temporary position. Job prospects will improve from late September onward.
Scorpio (Oct24/Nov22):
Sticking to a budget remains important during the first half of the year. There won’t be a lot of money for extras, due to financial responsibilities. Paying off a debt, helping an unemployed relative and struggling with a higher cost of living are among the possibilities. The good news is that you have a natural ability to make your money stretch as far as it can possibly go. By finding even more ways to save money between January and mid-June, you’ll be ahead of the game. Your focus will move to kicking a bad habit from the second half of June through to the middle of September. This is a great opportunity to replace destructive tendencies with healthier practices. Breaking your dependence on toxic substances and people will be difficult, but worthwhile. By the time late September arrives, you’ll have a greater measure of control over your life. Saving money for a rainy day will be a good use of your time. Start getting into the habit of putting a set portion of your income into a savings account.
Aquarius (Jan21/Feb19):
It’s important to be discerning about your social circle, especially between January and the middle of June. Someone who keeps breaking promises and missing appointments isn’t worth your time. You need to surround yourself with wise, witty people who can both give and receive. If you’re looking for work, who you know will be more important than what you know. Don’t hesitate to ask influential friends to write letters of recommendation. Although you’d rather get a job on your own merits, you can’t afford to be idealistic in this economy. Your career prospects will improve greatly between mid-June and late September. Take this opportunity to apply for a high powered position in your desired field. By projecting intensity and determination during an interview, you’ll land this plum position. The final four months of 2015 are ideal for pursuing a cherished dream. You might have to cut back on social pursuits to reach this goal. Happily, this won’t seem like much of a sacrifice. You’re ready to advance to the next level of success. Keep your eyes on the prize.
Pisces (Feb20/Mar20):
You’ll continue to exude magic and mystery throughout 2015. Be sure to make plenty of time for creative pursuits, as they will bring you great happiness. If you play your cards right, you’ll find a wonderful job in your desired industry between January and mid-June. You’ll be able to uplift and inspire your team, achieving an unprecedented level of success. This position will involve quite a lot of travel, which will be stimulating. You will be homesick from time to time, but this will be a necessary sacrifice. Luckily, you’ll have an opportunity to stay close to home between June and late September. The opportunity to study with a seasoned expert will arrive. Although your lessons won’t come easily, they will serve you for a lifetime. Learning a foreign language, software program, or other advanced skill will increase your value on the job market. By late September, you’ll be back to work, putting in long hours at the office. Don’t get so wrapped up in your professional responsibilities that you neglect your family. They’re the reason you’ve come this far.
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