THE POWER IS NOW HUD HOMES MAGAZINE, FEBRUARY 27 2023

THE ECONOMICS OF OWNING A HOME!

Owning a home is the American Dream

It’s a great way to create wealth and pass it on to your family… to build a nest egg for college or retirement... and to protect against life’s setbacks

It starts with being smart about money.

Th e U S Department of Housing and Urban Development (HUD) wants all Americans to manage their money and have the option of preparing for homeownership

The Key Steps:

Organize Set a goal to save a certain amount of money each month— then stick to it

Watch Spending and Savings

Prioritize your family’s spending needs so that saving becomes second-nature

Negotiate Communicate early and often with companies or banks you owe money to so you can work out problems before they grow larger

Elevate Your Credit Score Know your credit score and what it means to banks and credit card companies and your future.

Read (and Understand) the Fine

Print Consider all the options, educate yourself, and be informed before you sign on the dotted line

Resources are available from the federal government and non-profit and business groups

Many are free and on the Internet. If you do not have Internet access, visit your local public library or HUD-sponsored Neighborhood Networks

Organize

Set money goals, and develop a plan to reach them Decide what’s important to spend, then save the rest for a rainy day —or a downpayment on a home

Watch Spending and Savings

Putting a little money aside every month takes hard work and difficult choices

But the rewards are great Learn about the power of compound interest Teach your children that a few hundred dollars invested now can turn into thousands of dollars over time.

Negotiate

Many consumers, including homeowners, feel trapped by debt. But there may be other options.

Contact the people you owe They may be willing to work with you to develop new payment plans It will show that you are serious and smart about money

Elevate Your Credit Score

The importance of good credit is a fact of life Banks and credit card companies decide whether to lend you money and what interest rates you will pay based on your credit score. Be prepared to examine past choices and, if necessary, to change your money habits. Decisions you make today will impact your future options

Read (and Understand) the Fine Print

Consumers have more ways than ever to buy a home. Know your rights. Homebuyers should understand their mortgage contract and be on the look-out for scam artists and predatory lenders

ALABAMA

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more information about this property or to make an offer to purchase please contact a VIP Agent by

Platinum® Down Payment Assistance

Up to 5% of the Loan Amount

You could qualify for $10,000 in down payment assistance*.

• Down Payment Assistance (DPA) Second Mortgage is forgiven after three (3) years.

• DPA has a zero percent interest rate and no monthly payments.

• DPA is available with purchase or refinance of a primary residence.

• Variety of mortgage types are available.

• Borrower doesn’t have to be a first-time homebuyer to qualify.

• Minimum FICO 640; Maximum DTI 45%.

• Flexible Income Limits.

We Want to Bring You One Step Closer to Owning Your Own Home

Thousands of people each year dream of becoming homeowners. Let us help that dream become reality.

The GSFA Platinum Program provides eligible borrowers with DPA in the form of a zero interest, no monthly payment Second Mortgage that is forgiven after three (3) years.

The DPA is sized up to 5% of the total loan amount and can be used towards down payment and/or closing costs*.

Many times the assistance can help a homebuyer purchase a home with little-to-no money out of pocket and/or much sooner than thought possible.

The program is very flexible. Eligible mortgage loans include FHA, VA, USDA and Conventional mortgages, and the income limits are flexible.

Ca ll today to get started.

ARKANSAS

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ARIZONA

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PROPERTY CASE NO: 023-322435

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CALIFORNIA

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PROPERTY CASE NO: 048-422575

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NO:

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Where Starting Over happens every day!

We’re Starting Over, Inc. - a 501(c)(3) organization dedicated to supporting and uplifting people experiencing the effects of mass incarceration, systemic racism, housing insecurity, substance addiction, and mental health issues. We believe that people impacted by these issues are the ones closest to the solutions, which is why we are a Black-led and criminal justice-impacted organization engaged in this work From experience, we’ve learned that housing is critical, but alone, it is not enough to support those exiting prisons or the streets. We not only provide transitional housing, but also include holistic services such as peer support, case management, employment, wellness, and reentry services. We also work to address the root causes of our houseguests’ difficult situations, leading grassroots organizing and policy initiatives in the Inland Empire region and statewide. Established in 2009, we’ve served over 1,400 men, women, and families in Riverside and Los Angeles Counties through the reentry and transition process

We believe that the past does not define our future. We’re invested in creating safe and equitable opportunities for all members of our community, and especially those with past convictions. Housing opportunities are crucial for our community members and directly affect their ability to thrive.

Starting Over, Inc is committed to reducing and eliminating the many barriers to life after incarceration

We have a deep commitment to identifying and implementing evidence-based approaches to strong communities and families. We seek to creating program/project solutions where the need exists in our community. We do lots of things at Starting Over, Inc. - but our primary goal is to address the immediate effects and root causes of incarceration, be it through housing, employment, legislation, or community organizing.

T t i l d ith i itiatives, access our services, or support our work through donations, you can or office@startingoverinc.org.

COLORADO

PROPERTY CASE NO: 052-348619

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Down Payment Assistance Gift for “Select” Occupations

The GSFA Platinum Program provides eligible borrowers with Down Payment Assistance (DPA) up to 5% of the first mortgage loan amount.

The assistance can be used towards down payment and/or closing costs and many times the assistance can help a homebuyer purchase a home with little-to-no money out of pocket.

Platinum “Select ”

Program Highlights:

• DPA is for down payment and/or closing costs.

• DPA is a Gift for Platinum “Select” qualifying occupations and 0% Second Mortgage (forgiven after 3 years) for all other borrowers.

• No first-time homebuyer requirement.

• FHA, VA, USDA and Conventional Loan Financing Options are available.

General Guidelines*:

• Purchase or refinance of a primary residence.

• Minimum FICO 640 / Max DTI 45%.

• Flexible Income Limits.

The DPA is provided as a Gift that never has to be repaid for the following “Select” occupations : Medical and healthcare • Law enforcement • fire fighters • paramedics • emergency medical technicians • fire support staff • teachers • school administration and staff (public and private).

(For all other homebuyers, the DPA is a 0% Second Mortgage, forgiven after three years.)

CONNECTICUT

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for more information about this property or to make an offer to purchase please contact a VIP Agent by clicking here https://www.thepowerisnow.com/vipagent/ or call 800-261-1634 ext 707

more information about this property or to make an offer to purchase please contact a VIP Agent by clicking here https://www.thepowerisnow.com/vipagent/ or call 800-261-1634 ext 707

for more information about this property or to make an offer to purchase please contact a VIP Agent by clicking here https://www.thepowerisnow.com/vipagent/ or call 800-261-1634 ext 707

for more information about this property or to make an offer to purchase please contact a VIP Agent by clicking here https://www.thepowerisnow.com/vipagent/ or call 800-261-1634 ext 707

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Do you know

We provide a community of loving homes and empowering support services for individuals with intellectual and developmental disabilities.

Wesupport and encourage our residents to live their lives and fulfill their dreams by fully embracing their indvidual abilities and interests. With 24-hour specialized care and staffing, we provide comfortable, secure homes and recognize that everyone feels a sense of belonging when they have familiar places in which to spend time with family and friends.

There

is a true sense of family at Peppermint Ridge. Of the 94 adults who live at The Ridge, 38 have lived here for more than 20 years, with 10 of those calling The Ridge home for 40 years or more. Residents have the opportunity to flex their muscles of independence while developing rich lives of their own away from their loved ones. About 30% of our residents have no family, so other Ridgers and our staff have become their family.

Manycaring companies, organizations and individuals in the community enjoy getting to know The Ridge by helping on small projects, hosting fundraisers, lending a hand at events, volunteering in our office, and assisting residents in activities such as arts and crafts, pool days, horseback riding, music and piano lessons and exercise classes.

DELAWARE

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PROPERTY CASE NO: 071-153379

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FLORIDA

PROPERTY CASE NO: 091-632164

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Wellness for Boys and Men of Color

ADDRESSING HEALTH EQUITY BUILDING COMMUNITY ADVANCING INNOVATION

brotherbewell com

GEORGIA

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more information about this property or to make an offer to purchase please contact a VIP Agent by clicking here https://www.thepowerisnow.com/vipagent/ or call 800-261-1634 ext 707

for more information about this property or to make an offer to purchase please contact a VIP Agent by clicking here https://www.thepowerisnow.com/vipagent/ or call 800-261-1634 ext 707

for more information about this property or to make an offer to purchase please contact a VIP Agent by clicking here https://www.thepowerisnow.com/vipagent/ or call 800-261-1634 ext 707

for more information about this property or to make an offer to purchase please contact a VIP Agent by clicking here https://www.thepowerisnow.com/vipagent/ or call 800-261-1634 ext 707

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IDAHO

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ILLINOIS

PROPERTY CASE NO: 137-618148

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PROPERTY CASE NO: 131-889090

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INDIANA

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for more information about this property or to make an offer to purchase please contact a VIP Agent by clicking here https://www.thepowerisnow.com/vipagent/ or call 800-261-1634 ext 707

for more information about this property or to make an offer to purchase please contact a VIP Agent by clicking here https://www.thepowerisnow.com/vipagent/ or call 800-261-1634 ext 707

for more information about this property or to make an offer to purchase please contact a VIP Agent by clicking here https://www.thepowerisnow.com/vipagent/ or call 800-261-1634 ext 707

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IOWA

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KANSAS

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PROPERTY CASE NO: 181-317508

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KENTUCKY

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LOUISIANA

PROPERTY CASE NO: 221-432280

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MASSACHUSETTS

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CASE NO: 251-405862 for more information about this property or to make an offer to purchase please contact a VIP Agent by clicking here https://www.thepowerisnow.com/vipagent/ or call 800-261-1634 ext 707

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MARYLAND

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MICHIGAN

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MINNESOTA

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MISSOURI

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BACK TO THE TABLE OF CONTENTS

MONTANA

NEVEDA

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WHEN

SEXUALLY

THERE’S NO PLACE LIKE peace at HOME

During the COVID-19 crisis, many people are struggling to pay rent. Unfortunately, some unscrupulous landlords try to force tenants to provide sexual favors in exchange for canceling or reducing rent. Sexual harassment in housing situations is illegal under the Fair Housing Act. If your landlord asks for sex or a maintenance person refuses to fix something in your apartment because you won’t provide sexual favors, that’s illegal. File a complaint with HUD and put a stop to it.

Go to hud.gov/fairhousing/sexualharassment or call 1-800-669-9777

Federal Relay Service 1-800-877-8339

If you fear for your safety, call 911.

FAIR HOUSING: THE LAW IS ON YOUR SIDE.

NEW HAMPSHIRE

GOOD NEIGHBOR NEXT DOOR PROGRAM

Law enforcement officers, teachers (pre-Kindergarten through 12th grade) firefighters and emergency medical technicians can contribute to community revitalization while becoming homeowners through HUD’s Good Neighbor Next Door Sales Program. HUD offers a substantial incentive in the form of a discount of 50% from the list price of the home. In return, an eligible buyer must commit to live in the property for 36 months as his/her principal residence.

How the Program Works

Eligible Single Family homes located in revitalization areas are listed exclusively for sale through the Good Neighbor Next Door Sales program. Properties are available for purchase through the program for seven days.

How to Participate in Good Neighbor Next Door

Check the listings for your state. Follow the instructions to submit your interest in purchasing a specific home. If more than one person submits an offer on a single home a selection will be made by random lottery. You must meet the requirements for a law enforcement officer, teacher, firefighter or emergency medical technician and comply with HUD’s regulations for the program.

HUD requires that you sign a second mortgage and note for the discount amount. No interest or payments are required on this “silent second” provided that you fulfill the three-year occupancy requirement.

The number of properties available is limited and the list of available properties changes weekly.

NEW JERSEY

NEW MEXICO

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NO: 361-362919 for more information about this property or to make an offer to purchase please contact a VIP Agent by clicking here https://www.thepowerisnow.com/vipagent/ or call 800-261-1634 ext 707

NEW YORK

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PROPERTY CASE NO: 371-523562

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PROPERTY CASE NO: 387-083935

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NORTH DAKOTA

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PROPERTY CASE NO: 401-150156

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CASE NO: 411-615926

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PROPERTY CASE NO: 412-764463

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OKLAHOMA

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CASE NO: 422-365427

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PENNSYLVANIA

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CASE NO: 441-815805

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CASE NO: 446-114935

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RHODE ISLAND

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SOUTH DAKOTA

TENNESSEE

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or

TEXAS

VERMONT

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VIRGINIA

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GSFA Platinum Program

USDA Guaranteed Home Loan

» Zero down

» 100 percent financing

» Gift (up to 4%) available for closing costs

» No first-time homebuyer requirement

» No Mortgage insurance requirement

» New or existing residential property allowed

You May Qualify for a Gift up to Four Percent

Individuals or families purchasing a primary residence in California with a USDA Rural Development loan guarantee through the GSFA Platinum Program will be eligible for assistance of up to four percent in the form of a non-repayable gift.

The amount of the gift is based on the amount of the mortgage loan. The gift can be used towards closing costs and/or for principal reduction.

USDA’s guaranteed home loan features 100 percent financing and is available to low-to-moderate income homebuyers in rural areas, typically communities with populations of 35,000 or fewer. Coupled with the GSFA Platinum Program, qualifying homebuyers may be able to purchase a home with no money out of pocket.

Golden State Finance Authority (GSFA)

phone: (855) 740-8422

e-mail: info@gsfahome.org

web: www.gsfahome.org

WEST VIRGINIA

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WISCONSIN

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WYOMING

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for more information about this property or to make an offer to purchase please contact a VIP Agent by clicking here https://www.thepowerisnow.com/vipagent/ or call