For a great outing, in Spring or any time of the year, come visit the
Raphael Garden in Fair Oaks. Conveniently located on Fair Oaks Blvd between
San Juan and Sunrise, a short walk from the Rudolf Steiner College parking
lot takes you into a wonderful world that seems surprisingly far away from
the whizzing cars and bustle you just left behind. Six young lambs enjoy
the lush grass with their mothers, a friendly white horse loves the handfuls
of grass or rose hips you offer, and Mona the calf loves to rub her head
(and horns, parental discretion advised) on your leg. Mona's mother Bella
usually just likes to be petted. Chickens, bees, ducks and the incredible
garden all await you. Come by any Thursday around lunch time and you'll
probably see me and my granddaughter Maya - she'll be eager to welcome you
too!
http://steinercollege.yellowpipe.com/?q=node/162




First things first, despite the title, you do not need to be a first time home buyer to qualify for this program. You also qualify if you have not owned and occupied a home as a principal residence within the preceding three years and the home you are buying is within a federally designated target area, more info below.
If you live in the Greater Sacramento Area (Sacramento, Elk Grove, Folsom, Isleton, Galt, Citrus Heights, Rancho Cordova and the unincorporated areas of the County of Sacramento) and are looking to buy your first home (or if you qualify, read below) then you are in luck. Here is a program to help you realize this dream. The Sacramento Mortgage Credit Certificate (MCC) Program is designed to help you get into your new home. The MCC reduces the income tax you would have to pay, which in turn allows you more available income to qualify for a mortgage and to help you make your monthly mortgage payments.
To be eligible for this program you must meet the following criteria:
1 or 2 person households: $87,360
3 or more person household: $101,920
Eligible properties must be Single Fmaily homes and must cost less than $554,025.
More detailed information and the application procedure can be found on the Sacramento Housing & Redevelopment Agency website. If you need any help buying (or selling or trying to avoid foreclosure ) your new home today (or anytime really) in the Greater Sacramento please dont hesitate to email me atpeter@peterparkersellshomes.com or checkout my website for Home Buying tips and home listings.
PS. If you know of anyone having trouble making their mortgage payments please send them my way so I can help them, or send them to my foreclosure avoidance website www.StopMySacramentoForeclosure.com for foreclosure avoidance information for the Greater Sacramento Area.
December 8th will be here before you know it, and if you live in one of the many Sacramento County zip codes that are having changes made to the flood zone maps which affect insurance rates, you'll want to call your insurance agent to secure grandfathered flood insurance rates that will save you a lot of money.
I posted detailed information about this last month; you can refer to that or call my office at 916.863.0444 and we'll be glad to send over a copy of the information, and if you need a referral to a good insurance agent who is on top of this we can give you that too.
Best wishes to you and yours at Thanksgiving and throughout the holiday season!
The Sacramento area produced independent feature film "Sounds", directed by Ryan Humphries, was named winner of 3 awards at the 2008 West Hollywood International Film Festival - also known as WHIFF -
Special Juror's Award
Best Science Fiction Film
Best Technology
Best Lead Actor currently working as a Realtor - Peter Parker as Agent Miller...well, they haven't made that a category....yet....but when they do, I'll be ready.
For more photos, articles, etc, visit www.SoundsTheMovie.com !BEFORE LINKING TO THE SITE, TURN YOUR AUDIO DOWN OR OFF, ESPECIALLY IF IF YOU ARE AT WORK, UNLESS YOU ARE AROUND PEOPLE WITH A SENSE OF HUMOR WHO ENJOY A GOOD LAUGH OR WHO HAVE AN INTEREST IN THE PARANORMAL.
Check out the demo of the true super resolution technology developed by Topaz Labs and premiered in this film. Sounds is the first standard defintion film upconverted to 1080p using this.
see all WHIFF 2008 award winners here: http://www.whiff2008.com/pages/whiff09/winners08.html .
Does it make a difference for their future home ownership possibilities whether homeowners choose to do a short sale as opposed to a foreclosure or a deed in lieu of foreclosure? YES!
Fannie Mae recently released updated underwriting guidelines for new mortgage loans that directly address individuals with various types of foreclosure history.
Potential borrowers with a foreclosure on their credit record must wait 5 years to be considered for new funding, and are subject to additional credit and down payment requirements for 5 to 7 years.
Deed-in-lieu-of-foreclosures warrant a 4 year wait with additional requirements for 4 to 7 years.
Short Sales require only a two year wait with no additional requirements.
These new guidelines make short sales a more attractive option for homeowners AND a much faster route to future home ownership.
ActiveRain Corp. is not responsible for the accuracy of the site's content (which is written by members of the ActiveRain Real Estate Network) and does not endorse the views of the real estate agents, mortgage brokers, and others listed here.
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