The Tallahassee Lenders’ Consortium, Inc. is a non-profit organization whose mission is to improve people’s ability to obtain safe, decent affordable housing. We know that in order to buy a home, people need education, information and access to affordable financing, and affordable housing options.We believe this is a right, not a privilege. To that end, the Consortium provides information and education regarding credit counseling and the process of purchasing a home to low income and very low income first-time home buyers. In addition, the Consortium administers the Leon County and City of Tallahassee Down Payment Assistance Programs and assists local lenders in making affordable loans by processing, underwriting and packaging these loans.
The Tallahassee Lenders’ Consortium (TLC) provides down payment assistance from the City of Tallahassee and Leon County to first-time home buyers like you.
Down payment assistance through TLC can pay for down payment, prepaids and all other buyer’s closing costs up to $10,000 for homes purchased in the City limits and up to $7,500 for homes purchased in the County (outside of City limits). If the client is in the very low-income category, down payment assistance can be expanded to $15,000 for homes purchased within the City limits, if needed. The loan is secured by a second or third mortgage loan at zero interest and no required payments. The loan is due and payable upon 1) sale, transfer, bankruptcy or foreclosure, 2) refinance of the first mortgage, 3) the borrower no longer occupies as primary residence or 4) maturity of first mortgage (not more than 30 years).
The Consortium offers post-home ownership education and counseling to each of our buyers after closing.
You can find more information about them here.
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Frequently Asked Questions About the Home Buyer Tax Credit
The American Recovery and Reinvestment Act of 2009 authorizes a tax credit of up to $8,000 for qualified first-time home buyers purchasing a principal residence on or after January 1, 2009 and before December 1, 2009.
The following questions and answers provide basic information about the tax credit. If you have more specific questions, we strongly encourage you to consult a qualified tax advisor or legal professional about your unique situation.
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Originally found here.
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With this Fourth of July approaching, I thought it was only right to spread knowledge on how to honorably retire your flag. Many will be flying high this weekend and then put away, but many more fly all year round and weather the heat, rain, snow and here in Florida, the Hurricanes at times! Make sure when the time comes to replace Old Glory, that you lay her to rest properly!
Have a great and safe holiday weekend!
Article originally posted at Military.com
We raised our flags September 11, 2001 and flew them proudly. Our flags stand tall as we leave our mark on foreign soil. Each year, Americans across the nation unfurl their flags on Independence Day, Memorial Day, and Flag Day. For some, the Stars and Stripes decorates their porches all year as a daily reminder of what it means to be an American.
But what do we do when our flags become tattered and torn, and can fly no longer?
There is a justified reason and dignified way of burning the flag when the time has come for Old Glory.
The Council for Okinawa Protection and Police Services (C.O.P.P.S.) did just that when they retired Old Glory in fiery fashion during a flag retirement ceremony on Flag Day.
"U.S. Flag Code 1 simply reads: 'The flag, when it is in such a condition that it is no longer a fitting emblem for display, should be destroyed in a dignified way, preferably by burning,'" said Les Donoho of Boy Scout Pack 133, who participated in the ceremony.
Lt. Col. Kevan Kvenlog, Provost Marshal, Marine Corps Base, opened the ceremony by discussing the tradition of retiring the flag, the conditions for the retirement and expressed his gratitude to those in attendance.
After opening comments, one representative from each military branch held a corner of Old Glory, the post flag flown over Building 1, as it was inspected by 2nd Lt. Leroy Corte-Real, district officer in charge, central district provost marshal's office, Camp Foster.
Corte-Real reported to Kvenlog that the flag had been found unserviceable and unsuitable to be displayed. Kvenlog then gave the order for the retirement of the flag to commence.
The four Servicemembers carried it to a burn barrel, lit it on fire and saluted the flag one last time.
Following the retirement of the Building 1 post flag, members of local Boy Scout packs and Girl Scout troops brought forward other tattered flags to be disposed of properly.
Along with Boy Scout and Girl Scout representatives in attendance, some junior enlisted Marines made their way out to observe the occasion for the first time.
"I've never been to a flag retirement ceremony and I wanted to pay respects to my flag," said Lance Cpl. Christopher Jose, multi-channel equipment repairman, Marine Wing Communication Squadron 18, 1st Marine Aircraft Wing.
According to Kvenlog, having representatives from the four military services and local law enforcement agencies in attendance displayed the working cooperation between each. He said the ceremony was the first for C.O.P.P.S. and it was sponsored by all law enforcement agencies on the island.
"We held this ceremony for public service and to show honor to the flag," Kvenlog said. "It was an opportunity to show the four services and local agencies working together."
He said it was also a way of letting people know what to do if they have old, unserviceable flags to be disposed of.
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When looking to make upgrades in your house, you want to get the largest return for it. Easing the costs on upgrades without lowering the quality is possible!
Lowe's is offering a 10% discount opportunity for purchases up to $5,000!
Here are some ideas for simple upgrades in your home that will make a big difference and help catch the buyers eye!
Upgrade your lighting fixtures
Old and outdated lighting fixtures are a real hindrance when trying to sell your home, no matter the other upgrades, it ages your home. Buyers want to see the finished product, to see a home, not a project. Also, make sure your bulbs are nice and bright, but not fluorescent.The bright lights will enhance the feeling of a clean home.
You can find all of the lighting offered by Lowe's here, beginning with their featured lighting.
Upgrade the cabinets and drawers
Are your kitchen and bathrooms looking a little worn out nor dated but you don't want to splurge on a renovation in a house you are ready to leave behind? Here is an idea to upgrade both without the huge costs! Give your drawers and cabinets a paint job, a fresh coat of paint can make them look brand new, and at the very least, a little newer. Just remember to take your time on the paint job, don't rush it and leave little blemishes, the buyers will notice. Another idea is to buy new hardware. Lowe's carries a lot of different hardware you can use. Find a few you like, buy one of each and go home and change a few to decide which one you like the most.
Look here for all of you hardware needs.
If you decide to paint your cabinets as well, this link takes you to all of the Interior Paints provided by Lowe's.
Organize yourself
Let's face it, if you have kids, the laundry room can become a scary place. Organization is the key to making this room a little less daunting. Instead of having one big basket, consider buying a laundry organizer, it will not only be more sightly, but it will make your life easier as well. You can also add shelving to place folded clothing on. Since this is a laundry room, shelving will be relatively cheap because you don't need anything too fancy, just a clean and simple organizer. Another idea is this all in one organizer.
The same idea goes for the garage, which can also become a hectic portion of the home, here Lowe's has great products to make your garage as orderly as the rest of your home.
VISIT WWW.PROPLAYERSREALTY.COM FOR ALL OF YOUR TALLAHASSEE, FLORIDA REAL ESTATE NEEDS!
OR
CALL (850) 942 - SOLD TO SPEAK WITH ME, JOHN, PERSONALLY!
VISIT WWW.PROPLAYERSREALTY.COM FOR ALL OF YOUR TALLAHASSEE, FLORIDA REAL ESTATE NEEDS!
OR
CALL (850) 942 - SOLD TO SPEAK WITH ME, JOHN, PERSONALLY!
John Stehmeyer Realtor/Broker Buyers Specialist First Time, Move Up and Luxury Consumer Resources Advisor Graduate Realtor Institute Investors Consultant Property Marketing Expert Remodeling Renovations Coordinator Seniors Real Estate Specialist 850-CALL-942-SOLD! ProPlayersRealty.com John will make your best deal buying and selling! Values God, Family, Work At Pro Players Realty you are family and You come before work! This message is not intended as a solicitation to any individual whose property is listed exclusively with another broker.
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