Demographics
As of the census[10] of 2000, there were 34,010 people, 13,398 households, and 9,579 families residing in the county. The population density was 44 people per square mile (17/km²). Therewere 15,964 housing units at an average density of 20 per square mile (8/km²). The racialmakeup of the county was 94.09% White, 0.11% Black or African American, 0.86% Native American, 0.27% Asian, 0.03% Pacific Islander, 3.25% from other races, and 1.38% from twoor more races. Approximately 5.04% of the population were Hispanic or Latino of any race.26.5% were of American, 15.5% German, 11.7% English and 10.4% Irish ancestry according to Census 2000. There were 13,398 households out of which 31.20% had children under the age of 18 living with them, 59.30% were married couples living together, 8.40% had a female householder with no husband present, and 28.50% were nonfamilies. 24.70% of all households were made up of individuals and 11.60% had someone living alone who was 65 years of age or older. The average household size was 2.51 and the average family size was 2.98. In the county the population was spread out with 26.10% under the age of 18, 7.80% from 18 to 24, 26.10% from 25 to 44, 23.90% from 45 to 64, and 16.10% who were 65 years of age or older. The median age was 38 years. For every 100 females there were 98.30 males. For every 100 females age 18 and over, there were 95.60 males. The median income for a household in the county was $28,906, and the median income for a family was $34,043. Males had a median income of $25,381 versus $18,631 for females. The per capita income for the county was $14,980. About 11.80% of families and 16.60% of thepopulation were below the poverty line, including 23.50% of those under age 18 and 11.90%of those age 65 or over.
Barry County, Missouri Barry County is a county located in the southwest portion of the U.S. state of Missouri. As of the 2010 U.S. Census, the population was 35,597.[1] Its county seat is Cassville.[2] The county was organized in 1835 and named after William Taylor Barry, a U.S. Postmaster General from Kentucky.[3]
Geography According to the U.S. Census Bureau, the county has a total area of 791 square miles (2,050 km2), of which 778 square miles (2,020 km2) is land and 13 square miles (34 km2) (1.6%) is water.[4] Roaring River State Park is located in the southern part of the county, amid the Mark Twain National Forest.
Barry County is a county located in the southwest portion of the U.S. state of Missouri. As of the 2010 U.S. Census, the population was 35,597.[1] Its county seat is Cassville. The county was organized in 1835 and named after William Taylor Barry, a U.S. Postmaster General from Kentucky
Demographics
Historical population Census Pop. 1840 4,745 ó 1850 3,467 -26.9% 1860 7,995 130.6% 1870 10,373 29.7% 1880 14,405 38.9% 1890 22,943 59.3% 1900 25,532 11.3% 1910 23,869 -6.5% 1920 23,473 -1.7% 1930 22,803 -2.9% 1940 23,546 3.3% 1950 21,755 -7.6% 1960 18,921 -13.0% 1970 19,597 3.6% 1980 24,408 24.5% 1990 27,547 12.9% 2000 34,010 23.5% 2010 35,597 4.7% Est. 2014 35,662 [5] 0.2% U.S. Decennial Census[6] 1790-1960[7] 1900-1990[8] 1990-2000[9] 2010-2013[1] As of the census[10] of 2000, there were 34,010 people, 13,398 households, and 9,579 families residing in the county. The population density was 44 people per square mile (17/km≤). There were 15,964 housing units at an average density of 20 per square mile (8/km≤). The racial makeup of the county was 94.09% White, 0.11% Black or African American, 0.86% Native American, 0.27% Asian, 0.03% Pacific Islander, 3.25% from other races, and 1.38% from two or more races. Approximately 5.04% of the population were Hispanic or Latino of any race. 26.5% were of American, 15.5% German, 11.7% English and 10.4% Irish ancestry according to Census 2000. There were 13,398 households out of which 31.20% had children under the age of 18 living with them, 59.30% were married couples living together, 8.40% had a female householder with no husband present, and 28.50% were non-families. 24.70% of all households were made up of individuals and 11.60% had someone living alone who was 65 years of age or older. The average household size was 2.51 and the average family size was 2.98. In the county the population was spread out with 26.10% under the age of 18, 7.80% from 18 to 24, 26.10% from 25 to 44, 23.90% from 45 to 64, and 16.10% who were 65 years of age or older. The median age was 38 years. For every 100 females there were 98.30 males. For every 100 females age 18 and over, there were 95.60 males. The median income for a household in the county was $28,906, and the median income for a family was $34,043. Males had a median income of $25,381 versus $18,631 for females. The per capita income for the county was $14,980. About 11.80% of families and 16.60% of the population were below the poverty line, including 23.50% of those under age 18 and 11.90% of those age 65 or over.
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.
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Fun Things to do in Barry, MO
• Family Practice & Obstetrics of Monett • Physicians & Surgeons Obstetrics & Gynecology, Physicians Md & Do, Physicians Obstetrics & Gynecology, Clinics Medical, Hospitals, Clinics & Medical Centers, Clinics, Physicians & Surgeons Md, Physicians & Surgeons, Physicians - General, Physicians & Surgeons Md Obstetrics & Gynecology. 815 N Lincoln Ave • Monett, MO 65708 417-354-1500 • Mercy Clinic • Physicians & Surgeons Family & General Practice, Clinics Medical, Hospitals, Clinics & Medical Centers, Clinics, Physicians & Surgeons Md & Do Family & General Practice, Physicians - General. 1 Medical Plz • Cassville, MO 65625 417-847-5225 • St John’s Clinic-Shel Knob • Physicians Md & Do, Medical Clinics, Physicians & Surgeons Family & General Practice, Physicians & Surgeons Surgery General, Clinics Medical, Hospitals, Clinics & Medical Centers, Clinics, Physicians & Surgeons Md & Do Family & General Practice, Physicians & Surgeons, Physicians - General. • 22361 Oak Ridge Dr Shell Knob, MO 65747 417-858-3731 • Mercy Clinic • Physical Therapy & Rehabilitation, Physical Therapists, Physicians & Surgeons Surgery General, Clinics Medical, Hospitals, Clinics & Medical Centers, Clinics, Physicians General. 94 Main St • Cassville, MO 65625 417-847-6091 • Monett Medical Center • Physicians & Surgeons Orthopedic Bone & Joint, Physicians - Orthopedics, Physicians Md & Do, Physicians & Surgeons Family & General Practice, Physicians & Surgeons Surgery General, Clinics Medical, Hospitals, Clinics & Medical Centers, Clinics, Physicians & Surgeons Orthopedics, Physicians & Surgeons Md, Physicians & Surgeons Md & Do Family & General Practice, Physicians & Surgeons, Physicians General. 315 E Cleveland Ave • Monett, MO 65708 417-235-4334 • Heritage Medical Clinic • Physicians Md & Do, Clinics Medical, Hospitals, Clinics & Medical Centers, Clinics, Physicians & Surgeons Md, Physicians & Surgeons, Physicians - General. 101 Main St • Cassville, MO 65625 417-846-2277 • Sisters of Mercy Health System • Clinics Medical, Hospitals, Clinics & Medical Centers, Clinics. 94 Main St • Cassville, MO 65625 417-847-1020 • St John’s Hospital - Cassville • Clinics Medical, Hospitals, Clinics & Medical Centers, Clinics. 90 Gravel St • Cassville, MO 65625 417-847-6045 • Family & Occupational Medicine of Monett • Physical Therapy & Rehabilitation, Clinics Medical, Hospitals, Clinics & Medical Centers, Clinics, Physicians & Surgeons Md, Physicians & Surgeons Occupational Medicine, Physicians & Surgeons, Physicians - General. 2200 E Cleveland St • Monett, MO 65708 417-236-2600 • Monett Surgical Associates • Clinics Medical, Hospitals, Clinics & Medical Centers, Clinics, Physicians & Surgeons Md, Physicians & Surgeons, Physicians - General. 801 N Lincoln Ave • Monett, MO 65708 417-236-2440
Barry, Judicial Circuit 39 Electronic Filing Administrative Orders: • September 2, 2014 → Civil, Criminal, Probate & Juvenile Barry County Judicial Center 102 West Street Cassville, MO 65625 (417) 847-3133 (417) 847-6298 (facsimile) Jack A. L. Goodman, Presiding Judge P.O. Box 364 600 Dairy St., Ste. A Monett, MO 65708-0364 Tel: 417.235-8500 Fax: 417-235-8502 Johnnie E. Cox, Associate Circuit Judge 102 West St., Suite 2 Cassville, MO 65625 (417) 847-3133 (417) 847-6298 (facsimile) Robert J. Foulke, Associate Circuit Judge 102 West St., Suite 2 Cassville, MO 65625 (417) 847-3133 (417) 847-0182 (facsimile) Jill Braden, Juvenile Officer P.O. Box 401 Monett, MO 65708 (417) 235-6245 General Information: Craig Williams, Circuit Clerk (417) 847-3133 (417) 847-6298 (facsimile) Please contact the clerk’s office for information about adult abuse filings and family court.
Barry County Sheriff 's Office Cassville, Missouri 417-847-3121
Hospitals- Courthouse-County Sheriff
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.
The Three R’s: Reduce, Reuse and Recycle Tips on reducing waste and conserving resources. The three R’s - reduce and recycle - all help to cut down on the amount of waste we throw away. They conserve natural resources, landfill space and energy. Plus, the three R’s save land and money that communities use to dispose of waste into landfills. Creating a new landfill has become a difficult process and more expensive due to the environmental regulations and public opposition. Missouri has a goal of reducing the amount of waste that goes into landfills by 40 percent. Everyone can help meet this goal.
Reduce The best way to manage waste is to not produce it. This can be done by shopping carefully and being aware of a few guidelines: • Buy products in bulk. Larger, economy sized products or ones in concentrated form use less packaging and usually cost less per ounce. Avoid over-packaged goods, especially ones packed with several materials such as foil, paper and plastic. They are difficult to recycle, plus you pay more for the package. Avoid disposable goods, such as paper plates, cups, napkins, razors and lighters. Throwaways contribute to the problem, and cost more because they must be replaced again and again
Reuse
It makes economic and environmental sense to reuse products. Sometimes it takes creativity: Reuse products for the same purpose. Save paper and plastic bags, and repair broken appliances, furniture and toys. Reuse products in different ways. Use a coffee can to pack a lunch; use a plastic microwave dinner trays as picnic dishes. Sell old clothes, appliances, toys and furniture in garage sales or ads, or donate them to charity. Use resealable containers rather than plastic wrap
Recycle Recycling is a series of steps that takes a used material and processes, re-manufactures, and sells it as a new product. Begin recycling at home and at work Buy products made from recycled materials. Look for the recycling symbol or ask store managers for salesman for assistance. The recycling symbol means on or two things - either the product is made of recycled materials, or the item can be recycled. For instance, many plastic containers have a recycling symbol with a numbered code that identifies what type of plastic resin it is made from. However, just because the container has this code does not mean it can be easily recycled locally. Check collection centers and curbside pickup services to see what they accept and begin collecting these materials. These can include metal cans, newspapers, paper products, glass, plastic and oil. Consider purchasing recycled materials at work when purchasing materials for the office supply cabinet, office equipment or manufacturing
School Listing for your County
• Cassville High School • 1501 Main St Cassville, MO 65625 (417)847-3137 9-12539 • Cassville Intermediate • 1501 Main St Cassville, MO 65625 (417)847-4010 3-5388 • Cassville Middle School • 1501 Main St • Cassville, MO 65625 (417)847-3136 6-8429 • Central Park Elementary School • 1010 7th St Monett, MO 65708 (417)354-2168 3-4350 • Eunice Thomas Elementary School • 1501 Main St Cassville, MO 65625 (417)847-2445PK-2490 • Exeter Elementary School • 101 Locust St Exeter, MO 65647 (417)835-8001 KG-8227 • Exeter High School • 101 Locust Exeter, MO 65647 (417)835-3745 9-12114 • Monett Elementary School • 601 Learning Ln • Monett, MO 65708 (417)235-3411 PK-2666 • Monett High School • One David Sippy Dr Monett, MO 65708 (417)235-5445 9-12653 • Monett Intermediate • 711 9th St Monett, MO 65708 (417)235-6151 5-6359 • Monett Middle School • 700 Ninth St Monett, MO 65708 (417)235-6228 7-8370 • Oakview School • Special Education School • 200 Linden St Monett, MO 65708 (417)235-3951 KG-1215 • Purdy Elementary School • 201 South 3rd St Purdy, MO 65734 (417)442-3217 PK-4248 • Purdy High School • 201 South 3rd St Purdy, MO 65734 (417)442-3215 9-12209 • Purdy Middle School • 201 South 3rd St Purdy, MO 65734 (417)442-7066 5-8189 • Scott Regional Technical Center • Vocational School • Two David Sippy Dr Monett, MO 65708 (417)235-70229-12n/a • Shell Knob Elementary School • 24400 State Hwy 39 Shell Knob, MO 65747 (417)858-6743 KG-8129 • Southwest Elementary School • 529 East Pineville Rd Washburn, MO 65772 (417)826-5411 PK-4342 • Southwest High School • 529 East Pineville Rd Washburn, MO 65772 (417)826-5413 9-12234 • Southwest Middle Scho • 529 East Pineville Rd Washburn, MO 65772 (417)826-5050 5-8277
PIC’S OF YOUR COUNTY
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.
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 home buyers 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.
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.
More Updates to FHA HECM Loan Due and Payable Policies
One very important aspect of the HECM loan, which features no monthly mortgage payment and is instead collected in full when the borrower dies, sells the home, or fails to live up to the terms of the HECM mortgage loan agreement.
FHA Loan to Value Calculations
We answer questions on a daily basis about FHA home loans, FHA refinance loans, and how these transactions are handled. One version of a common question about down payments and Loan-To-Value (LTV) ratios goes like this...
Appraisals and the Crawl Space Appraisals are an important part of the FHA loan process, and we get plenty of questions about what may or may not be acceptable in the appraisal. For some, depending on the age and design of the home, crawlspaces can be a worry.