Cleveland Restoration Society

Size: px
Start display at page:

Download "Cleveland Restoration Society"

Transcription

1

2 Cleveland Restoration Society uses the powerful tool of historic preservation to revitalize our diverse communities, strengthen the regional economy, and enhance the quality of life in northeastern Ohio. Is the largest non-governmental, regional historic preservation organization in Ohio. Has a staff of 12 full-time professionals. Is headquartered in a restored historic building in downtown Cleveland. $1M annual operating budget.

3 Historic Preservation = Neighborhood Development Positive Reinvestment Increase Property Values Investor Confidence Before Neighborhood Stability After

4 Economic Impact Study By Cleveland State University Disproportionate increase in value for: Houses in Heritage Home Program SM Houses within 1/10 th of a mile of an HHP SM house

5 5 Economic Impact Study By Cleveland State University Homeowners in HHP stayed in their houses longer 1/10 th the rate of foreclosures HHP Loans

6 What is the Heritage Home Program? 1. Free Technical Assistance and advice on home maintenance or improvement Before 2. Low-Interest Financing to cover project costs After

7 General Eligibility Requirements: House is at least 50 years old it does not need to be historic House contains 3 units or less and is zoned as residential House is in a participating community

8 Impartial Advice What is Technical Assistance? Preservation approach to maintenance, repair & improvements

9 Site visits to review any and all issues of the homeowner

10 Project Prioritization To decide on what should be done first

11 Contractor Resources Provide contractor names Review estimates

12 Energy Efficiency Insulation / Ventilation Window repair Storm windows Weatherization methods

13 Restoration Guidance BEFORE AFTER

14 Color Consultation BEFORE AFTER

15

16 What is the Heritage Home Program SM? 2) Project Financing fixed-rate financing as low as 1.99% to cover project costs Construction specifications provided for exterior projects Interior & exterior projects qualify 16

17 Exterior Painting Window repair & replacement Roof repair & replacement Porch repair Masonry work ADDITIONS Basement waterproofing Storm windows What types of projects are eligible for the loan? INTERIOR Wood floor refinishing Electrical Energy audits & insulation Fireplace Bathroom Remodel Carpentry Chimney repair Plumbing Basement Finishing EXTERIOR Air Conditioning Kitchen Remodel Reconfigure interior spaces Interior Painting Furnace

18 What Types of Projects Are Not Eligible? Vinyl Siding Vinyl windows Swimming pools Non-built in appliances Incompatible additions & building materials Landscaping

19 Guidelines for Additions

20 Heritage Home Program SM Loan FAQs No prepayment penalty Will work with DIY Interest from the loan is tax deductible 2% fixed rate Minimum loan amount = $3K Maximum loan amount = $150,000K 5-10 year term Homeowner meets bank lending guidelines Loan is based on equity established by an afterrehabilitation appraisal Minimal fees: Loan origination, Program (max: 2% of total loan), appraisal and escrow fees

21 Heritage Home Program SM Loan FAQs No prepayment penalty Will work with DIY Interest from the loan is tax deductible 1.99% fixed rate Minimum loan amount = $10K Maximum loan amount = $150,000K 15 year term Homeowner meets bank lending guidelines Loan can be based on equity established by an afterrehabilitation appraisal Minimal fees: Loan origination, Program (max: 2% of total loan), and escrow fees

22 Site Visit Application Process Obtain written estimates for approved projects Submit application with written estimates to HHP Start banking application Escrow Agent After-Rehab Appraisal Specialty Loan Procedures

23 $7,250 Loan: Exterior Painting BEFORE AFTER

24 $11,308 Loan: Front Porch Rebuild

25 $16,000 Loan: 2 Bathroom Remodels

26 $25,000 Loan: Roof replacement Exterior painting and carpentry repairs Tuck-pointing

27 $42,000 Loan: Kitchen and Bath Remodel Floor refinishing

28 $112,000 Loan: 2 1/2 bath remodels Kitchen expansion BEFORE Created rear entry Refinish floors Window repair New storms New furnace Interior finishes AFTER

29 $87,700 Loan: Mechanicals 2 Bathrooms Drywall/painting Floors $37,100 Loan: Kitchen remodel Siding repairs Exterior paint $30,000 Loan: Finish attic Finish basement Insulation

30 25 Years of Reinvestment in the Community! 12,398 Technical Assists valued at $257m 1,427 Loans valued at $54m Available to residents in 39 communities

31 Heritage Home Program SM Website

32 For more information, please contact: Trudy Andrzejewski Heritage Home Program Associate (216) Elizabeth Cardarelli Heritage Home Program Associate (216) Thank you!

What is the Heritage Home Program?

What is the Heritage Home Program? What is the Heritage Home Program? A tool for homeowners that assists in repairing older homes by providing know-how and financial assistance. Guidance to homeowners Technical Assistance Preservation financial

More information

Announcing the Oberlin Heritage Home Program!

Announcing the Oberlin Heritage Home Program! Announcing the Oberlin Heritage Home Program! Eligibility: Is your house more than 50 years old? Is your home mostly free from vinyl or aluminum siding, or vinyl replacement windows? Is the house three

More information

Renovating and Rebuilding America - One Home at a Time. FHA 203(K) Renovation Lending Product Information

Renovating and Rebuilding America - One Home at a Time. FHA 203(K) Renovation Lending Product Information FHA 203(K) Product Information 1 Program Summary The FHA 203(k) The FHA 203(k) loan allows a borrower to purchase or refinance and repair or renovate a property all in one loan. The borrower closes with

More information

Terms and Conditions of the Heritage Home Program SM

Terms and Conditions of the Heritage Home Program SM Terms and Conditions of the Heritage Home Program SM During the 18-month term that a homeowner is under contract with the Heritage Home Program SM, removal or alteration of any significant historic features

More information

Limited FHA 203K. Village Mortgage NMLS Intended for Mortgage Professionals Only 1

Limited FHA 203K. Village Mortgage NMLS Intended for Mortgage Professionals Only 1 Limited FHA 203K Before After Village Mortgage NMLS 6331 Intended for Mortgage Professionals Only 1 Program Highlights Up to $35,000 in repairs with no minimum No consultant required Up to 3 Contractors

More information

Rehab Financing The FHA Streamline 203(k) Program

Rehab Financing The FHA Streamline 203(k) Program The FHA Streamline 203(k) Program A Guide to Financing Your Home Improvement Project The Program: This is a new 1 st mortgage program sponsored by the FHA and designed to provide homeowners with low-cost

More information

This saves borrowers thousands of dollars out of pocket.

This saves borrowers thousands of dollars out of pocket. A 203(k) loan is a loan that allows the borrower to purchase or refinance a home and include in the loan the costs to do repairs, upgrades and remodeling of the home. This saves borrowers thousands of

More information

Off to College? First Apartment? First House? Not So Fast!

Off to College? First Apartment? First House? Not So Fast! Home Sweet Home Off to College? First Apartment? First House? Not So Fast! 1. Do you know how to open a bank account? Yes No 2. Do you know how to balance a checkbook? Yes No 3. Do you know how to get

More information

Benefits to Borrower - Why Renovation?

Benefits to Borrower - Why Renovation? Whether your borrower is looking to purchase a home that needs renovations or repairs or are refinancing an existing mortgage and looking to make home improvements, the Fannie Mae Homestyle Renovation

More information

HERITAGE HOME PROGRAM A program of the Heritage Home Educational Society. LOAN SUBSIDY APPLICATION Form 1

HERITAGE HOME PROGRAM A program of the Heritage Home Educational Society. LOAN SUBSIDY APPLICATION Form 1 LOAN SUBSIDY APPLICATION Form 1 Applicant Information (please print) Lending Institution Information Name Address City/State/Zip Name Branch Address KeyBank Home Phone Business Phone Cell Phone Address

More information

The AmeriFirst PowerSaver Buyer s Guide

The AmeriFirst PowerSaver Buyer s Guide Page 1 The AmeriFirst PowerSaver Buyer s Guide Let AmeriFirst help you go green, and get green with PowerSaver! Page 2 The AmeriFirst PowerSaver Buyer s Guide Table of Contents Introduction: What Is The

More information

HERITAGE HOME PROGRAM A program of the Cleveland Restoration Society. LOAN SUBSIDY APPLICATION Form 1

HERITAGE HOME PROGRAM A program of the Cleveland Restoration Society. LOAN SUBSIDY APPLICATION Form 1 Applicant Information (please print) LOAN SUBSIDY APPLICATION Form 1 Lending Institution Information Name Name KeyBank Address Branch Please contact Cleveland Restoration for the nearest location that

More information

THIS IS AN APPLICATION FOR A BUILDING PERMIT

THIS IS AN APPLICATION FOR A BUILDING PERMIT THIS IS AN APPLICATION FOR A BUILDING PERMIT 1. Read these instructions and carefully complete the application. 2. No building or structure shall be erected, added to or structurally altered or the use

More information

Buy a home, plus make improvements, with just one loan

Buy a home, plus make improvements, with just one loan Homebuyer guide to a mortgage with built-in renovation financing Buy a home, plus make improvements, with just one loan Learn how Are you thinking of buying a home that needs work? Well Fargo is here to

More information

FHA 203(k) Rehabilitation Mortgage REMN Wholesale Product Description

FHA 203(k) Rehabilitation Mortgage REMN Wholesale Product Description PROGRAM OVERVIEW STANDARD... 3 Primary Residence 1-4 Unit... 3 Purchase... 3 Rate/Term... 3 Cash-Out... 3 LIMITED... 3 Primary Residence 1-4 Unit... 3 Purchase... 3 Rate/Term... 3 Cash-Out... 3 Footnotes...

More information

Subject Property Not in Perfect Condition? Know All the Renovation Financing Options! 9/7/2016. Back in the old days

Subject Property Not in Perfect Condition? Know All the Renovation Financing Options! 9/7/2016. Back in the old days Subject Property Not in Perfect Condition? Know All the Renovation Financing Options! Back in the old days Homebuyers had difficulty finding workable financing options for home repairs, renovations and

More information

#1 KY RHS Lender. #1 MCC Tax Credit Lender. #3 KHC Delegated Lender by Volume. Fannie Mae Direct Lender Seller/Servicer. FHA Approved DE Lender

#1 KY RHS Lender. #1 MCC Tax Credit Lender. #3 KHC Delegated Lender by Volume. Fannie Mae Direct Lender Seller/Servicer. FHA Approved DE Lender #1 KY RHS Lender #1 MCC Tax Credit Lender #3 KHC Delegated Lender by Volume 2nd Largest Independent Mortgage Banker in KY Fannie Mae Direct Lender Seller/Servicer FHA Approved DE Lender VA Automatic/LAPP

More information

CITY OF FORT PIERCE BUILDING DEPARTMENT

CITY OF FORT PIERCE BUILDING DEPARTMENT CITY OF FORT PIERCE BUILDING DEPARTMENT APPLICATION FOR DETERMINATION OF SUBSTANTIAL IMPROVEMENT This is a request for determination by the City s Floodplain Administrator as to whether or not the project

More information

HomeStyle Renovation Product Offering 8/29/14

HomeStyle Renovation Product Offering 8/29/14 HomeStyle Renovation Product Offering 8/29/14 Overview of HomeStyle Offering Define the HomeStyle product and features Discuss benefits of the HomeStyle renovation loan Learn how to determine eligibility

More information

FNMA Homestyle Steps to Success

FNMA Homestyle Steps to Success FNMA Homestyle Steps to Success Disclosing the Loan estimate for a FNMA Homestyle Loan Broker to provide the following: 1003 Signed by LO dated within 24 hours Completed Norcom LE Worksheet Copy of Credit

More information

State Historic Homes Rehabilitation Tax Credit CGS

State Historic Homes Rehabilitation Tax Credit CGS State Historic Homes Rehabilitation Tax Credit CGS 10-416 Historic Homes Rehabilitation Tax Credit Basic Eligibility Requirements Listed on the State or National Register Located in a Program Targeted

More information

The Pillar Blueprint A FRAMEWORK FOR CONSTRUCTION FINANCING. Solution Based Lender

The Pillar Blueprint A FRAMEWORK FOR CONSTRUCTION FINANCING. Solution Based Lender A FRAMEWORK FOR CONSTRUCTION FINANCING Solution Based Lender What is the Pillar Blueprint? The primary goal of the Pillar Blueprint is to provide competitive, flexible mortgages for those planning on building

More information

One loan to renovate. Your homebuyer guide to renovation

One loan to renovate. Your homebuyer guide to renovation One loan to renovate Your homebuyer guide to renovation Maybe you ve found the perfect location, but the house needs improving. Maybe staying in your current (but outdated) home is what s important. Either

More information

Renovation Lending Division EVERYTHING YOU NEED TO KNOW

Renovation Lending Division EVERYTHING YOU NEED TO KNOW Renovation Lending Division EVERYTHING YOU NEED TO KNOW FHA 203K M A N U A L EVERYTHING YOU NEED TO KNOW FHA 203K M A N U A L You just found the deal of a lifetime! With improvements to this property,

More information

HIGH VALUE DWELLING INSPECTIONS

HIGH VALUE DWELLING INSPECTIONS INFORMATION PROVIDERS, INC. HIGH VALUE DWELLING INSPECTIONS The most comprehensive personal lines inspection you will be asked to complete is a high value dwelling report. This inspection is normally ordered

More information

Opportunities For The P-H-C Industry With The Expansion Of The Energy Tax Credits In The American Recovery & Reinvestment Act Of 2009 ( Stimulus Bill)

Opportunities For The P-H-C Industry With The Expansion Of The Energy Tax Credits In The American Recovery & Reinvestment Act Of 2009 ( Stimulus Bill) Opportunities For The P-H-C Industry With The Expansion Of The Energy Tax Credits In The American Recovery & Reinvestment Act Of 2009 ( Stimulus Bill) Opportunities For The P-H-C Industry With The Expansion

More information

REHABILITATE A HOME WITH HUD'S 203(k)

REHABILITATE A HOME WITH HUD'S 203(k) Page 1 of 27 REHABILITATE A HOME WITH HUD'S 203(k) U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT OFFICE OF THE ASSISTANT SECRETARY FOR HOUSING-FEDERAL HOUSING COMMISSIONER MAY 1994 The Federal Housing

More information

POLICIES FOR DEVELOPMENT SERVICES LOANS AND GRANTS. A. Rehabilitation loans and grants may be offered to eligible applicants as funds are available.

POLICIES FOR DEVELOPMENT SERVICES LOANS AND GRANTS. A. Rehabilitation loans and grants may be offered to eligible applicants as funds are available. Revised 6/2018 POLICIES FOR DEVELOPMENT SERVICES LOANS AND GRANTS I. GENERAL A. Rehabilitation loans and grants may be offered to eligible applicants as funds are available. B. Comprehensive Rehabilitation

More information

Selling Your Home. Contents. Important Change for Important Reminders. Publication 523 Cat. No W. For use in preparing 1998 Returns

Selling Your Home. Contents. Important Change for Important Reminders. Publication 523 Cat. No W. For use in preparing 1998 Returns Department of the Treasury Internal Revenue Service Publication 523 Cat. No. 15044W Selling Your Home For use in preparing 1998 Returns Contents Introduction... 2 Chapter 1. Main Home... 2 Chapter 2. Rules

More information

GLOBAL Solution Partners, LLC - Toll free phone and fax: (844)

GLOBAL Solution Partners, LLC - Toll free phone and fax: (844) GLOBAL Solution Partners, LLC info@globalreservestudies.com - Toll free phone and fax: (844) 477-7883 - www.globalsolutionpartners.com Funding Reserve Analysis for Oak Crest Farms November 2, 2016 Page

More information

Sample Contract and Work Scope

Sample Contract and Work Scope Sample Contract and Work Scope After the Home Performance Contractor and the homeowner agree upon the work scope to be performed, the Contractor must present the homeowner with a written contract that

More information

DISTRESSED PROPERTY REINVESTMENT PROGRAM HOUSING RENOVATION GRANT/LOAN PROGRAM APPLICATION. Eligible areas REINVESTMENT AREAS EINVESTMENT AREAS

DISTRESSED PROPERTY REINVESTMENT PROGRAM HOUSING RENOVATION GRANT/LOAN PROGRAM APPLICATION. Eligible areas REINVESTMENT AREAS EINVESTMENT AREAS HOUSING RENOVATION GRANT/LOAN PROGRAM APPLICATION The Distressed Property Reinvestment Program was established in Coffeyville in 2014 with program funding provided by the, with additional public and private

More information

HOME BUYER S GUIDEBOOK

HOME BUYER S GUIDEBOOK HOME BUYER S GUIDEBOOK Finding and Financing a Home REAL ESTATE A Great Investment BEGINNING YOUR SEARCH The Only Source You Need Committed to Our Buyers Home Search Tools FINDING THE RIGHT HOME Home Finding

More information

Age-Friendly Home Investment Program 2018

Age-Friendly Home Investment Program 2018 Age-Friendly Home Investment Program The Cleveland Department of Aging has a program to help seniors age 60 years and older and adults with a disability address one home maintenance or home repair need.

More information

REHAB Loans. FHA 203K and other Rehab Loans. by Natalie Danielson

REHAB Loans. FHA 203K and other Rehab Loans. by Natalie Danielson REHAB Loans FHA 203K and other Rehab Loans by Natalie Danielson 13148 Holmes Pt Dr NE, Kirkland, WA 98034 email: clockhours@gmail.com www.clockhours.com A Washington State Approved Real Estate School under

More information

Commercial Rehabilitation Loan Program

Commercial Rehabilitation Loan Program Hutchinson Economic Development Authority Commercial Rehabilitation Loan Program www.hutchinsoneda.com Hutchinson EDA 3/30/2015 Hutchinson EDA Commercial Rehabilitation Loan Program: Application Property

More information

Your Home Should Be YOUR WAY. That s the FAIR WAY! A Renovation Guide Made Simple

Your Home Should Be YOUR WAY. That s the FAIR WAY! A Renovation Guide Made Simple Your Home Should Be YOUR WAY That s the FAIR WAY! A Renovation Guide Made Simple Table of Contents The Renovation Loan: A Solution to a Problem... 3 Options for Renovation... 4 10 FHA 203k Standard FHA

More information

Affordable Housing Program

Affordable Housing Program Affordable Housing Program ShaDonte Butler Community Investment Business Development Manager September 21, 2017 FHLBank System Overview Support housing finance and community investment Cooperative Commercial

More information

THIS IS A PAYMENT CLAIM MADE UNDER THE CONSTRUCTION CONTRACTS ACT 2002 A PAYMENT CLAIM MADE IN RELATION TO THE FOLLOWING CONSTRUCTION CONTRACT:

THIS IS A PAYMENT CLAIM MADE UNDER THE CONSTRUCTION CONTRACTS ACT 2002 A PAYMENT CLAIM MADE IN RELATION TO THE FOLLOWING CONSTRUCTION CONTRACT: THIS IS A PAYMENT CLAIM MADE UNDER THE CONSTRUCTION CONTRACTS ACT 2002 FROM: Name (or/payee) Contact Person/Representative Address Ph Email TO: Name (Owner/Principal/PAYER) Contact Person/Representative

More information

Why rent when you can own FOR LESS?

Why rent when you can own FOR LESS? Why rent when you can own FOR LESS? Catalina Townhomes 2740 Dutton Meadow, Santa Rosa, CA 95407 www.catalinatownhomes.com Rents have climbed 30% over the past three years in Sonoma County*. Imagine owning

More information

KENTUCKY FAIR PLAN APPLICATION FOR HOMEOWNERS COVERAGE FORM HO-8

KENTUCKY FAIR PLAN APPLICATION FOR HOMEOWNERS COVERAGE FORM HO-8 KENTUCKY FAIR PLAN APPLICATION FOR HOMEOWNERS COVERAGE FORM HO-8 PRODUCER INSTRUCTIONS INCOMPLETE APPLICATIONS WILL BE DELAYED AND/OR RETURNED BY THE FAIR PLAN IMPORTANT Returned applications create an

More information

HOMEownership NMLS ID A step by step guide to help you on your journey to homeownership!

HOMEownership NMLS ID A step by step guide to help you on your journey to homeownership! T H E R O A D T O HOMEownership NMLS ID 629700 A step by step guide to help you on your journey to homeownership! FIRST COMMUNITY MORTGAGE Table of Contents We understand that a lot of important decisions

More information

Catalina Self-Help Townhomes

Catalina Self-Help Townhomes Floor Plans Catalina Self-Help Townhomes 2740 Dutton Meadow, Santa Rosa, CA 95407 www.catalinatownhomes.com Plan B Plan A 60 NEW ENERGY EFFICIENT AFFORDABLE HOMES 1,312-1,400 SQ. FT. 3 BEDROOM 2 BATH 3

More information

MARYLAND'S WITHHOLDING REQUIREMENTS

MARYLAND'S WITHHOLDING REQUIREMENTS MARYLAND'S WITHHOLDING REQUIREMENTS for Sales or Transfers of Real Property and Associated Personal Property by Nonresidents Revised 8/12 MARYLAND S WITHHOLDING REQUIREMENTS for Sales or Transfers of Real

More information

A Credit For Rehabilitation Of Historic Barns

A Credit For Rehabilitation Of Historic Barns New York State Department of Taxation and Finance Taxpayer Services Division Technical Services Bureau A Credit For Rehabilitation Of Historic Barns General The investment tax credit under Article 9-A,

More information

The City of Lynchburg, VA

The City of Lynchburg, VA The City of Lynchburg, VA Parcel ID: 26202022 Property Address: 733 LEESVILLE RD LYNCHBURG, VA 24502 Summary Mailing Address: 1931 ANGEL PL HUDDLESTON, VA 24104-3933 Legal Description: LEESVILLE ROAD,

More information

CITY OF VIRGINIA BEACH DEPARTMENT OF HOUSING & NEIGHBORHOOD PRESERVATION (DHNP) (757)

CITY OF VIRGINIA BEACH DEPARTMENT OF HOUSING & NEIGHBORHOOD PRESERVATION (DHNP) (757) CITY OF VIRGINIA BEACH DEPARTMENT OF HOUSING & NEIGHBORHOOD PRESERVATION (DHNP) (757) 385-5750 HOME REPAIR PROGRAM HOME /CDBG/CDBG-R PROGRAM YEAR FUNDS 2011-2012 PURPOSE To provide eligible homeowner applicants

More information

Standards for Best Practices

Standards for Best Practices General Session 1 Standards for Best Practices Michael Payne, AIA October 21, 2002 RESPONDING AIRPORTS (20) BY REGION 8 5 3 2 2 Eastern Great Lakes New England Southern Western Pacific RESPONDING AIRPORTS

More information

Emmanuel Arellano Director Portfolio Management. Hanan Bowman Asset Strategy Manager Portfolio Management

Emmanuel Arellano Director Portfolio Management. Hanan Bowman Asset Strategy Manager Portfolio Management Portfolio Management / FY 2017 (July 1, 2016 - June 30, 2017) Capital Expenditures Plan SDHC Board of Commissioners May 6, 2016 Emmanuel Arellano Director Portfolio Management Hanan Bowman Asset Strategy

More information

Finding your. home. of choice. A comprehensive workbook to help you on your journey to homeownership! FCM NMLS #629700

Finding your. home. of choice. A comprehensive workbook to help you on your journey to homeownership! FCM NMLS #629700 Finding your home of choice. A comprehensive workbook to help you on your journey to homeownership! FCM NMLS #629700 We understand that a lot of important decisions come with buying a home. At FCM, we

More information

Buying Your First Home

Buying Your First Home Buying Your First Home Buying your first home can be a thrilling experience. For most people, it is the most expensive purchase they've ever made. In addition, it also may be one of the most complex. The

More information

CAPITAL PROJECT PROCESS

CAPITAL PROJECT PROCESS CAPITAL PROJECT PROCESS May 2009 GETTING STARTED What is a project? A project is defined as all work (maintenance & repair or renovation) that requires 5,000 or more in time and materials and/or is sufficiently

More information

FHA 203(k) () streamline mortgage Program. make improvements all with a single loan

FHA 203(k) () streamline mortgage Program. make improvements all with a single loan FHA 203(k) () streamline mortgage Program Help qualified borrowers purchase or refinance and make improvements all with a single loan Why FHA 203(k) Through the Federal Housing Administration (FHA) 203(k)

More information

Residential Permits R-2, R-3, R-4, and U Occupancies 2018 Building Permit Valuation/Fee Schedule

Residential Permits R-2, R-3, R-4, and U Occupancies 2018 Building Permit Valuation/Fee Schedule Residential Permits R-2, R-3, R-4, and U Occupancies 2018 Building Permit Valuation/Fee Schedule The base valuation to determine permit fees for residential buildings and additions are based on a dollar

More information

Columbia City Housing Authority Owner Occupied Rehabilitation (OOR) Program

Columbia City Housing Authority Owner Occupied Rehabilitation (OOR) Program Columbia City Housing Authority Owner Occupied Rehabilitation (OOR) Program Overview The Columbia City Housing Authority (CCHA) seeks to assist low and moderate income residents of Columbia City, or within

More information

Funding Resources for Historic Properties

Funding Resources for Historic Properties Funding Resources for Historic Properties Grants Two grant programs: Historic Preservation Fund (HPF) Educational programs and documentation projects Heritage Trust Fund (HTF) Bricks and Mortar, physical

More information

NCAHMA Spring Underwriting Forum April 7-8, 2010 Physical Needs Assessments

NCAHMA Spring Underwriting Forum April 7-8, 2010 Physical Needs Assessments NCAHMA Spring Underwriting Forum April 7-8, 2010 Physical Needs Assessments 1. What is a CNA? Presentation by: Thomas E. Fielder Phone: 859-276-0000 / tfielder@fieldergroup.com a) Comprehensive review

More information

Low down payment option; qualify with as little as 3.5% down

Low down payment option; qualify with as little as 3.5% down Not every home is move-in ready. The FHA 203(k) Renovation Loan allows you to broaden your home shopping horizons and create the home you want from the start. The FHA 203(k) Renovation Loan combines the

More information

RESERVE STUDY ANNUAL REPORT

RESERVE STUDY ANNUAL REPORT RESERVE STUDY ANNUAL REPORT PINELOCH SUN BEACH CLUB LEVEL III RESERVE STUDY UPDATE WITHOUT SITE VISIT Ronald, WA 98940 Report #50510500R FINANCIAL YEAR 01.2016 12.2016 701 Fifth Ave, Suite 4200, Seattle

More information

ALAMEDA COUNTY MEASURE A1 HOUSING BOND DRAFT HOME PRESERVATION LOAN PROGRAM IMPLEMENTATION-LEVEL POLICIES

ALAMEDA COUNTY MEASURE A1 HOUSING BOND DRAFT HOME PRESERVATION LOAN PROGRAM IMPLEMENTATION-LEVEL POLICIES ALAMEDA COUNTY MEASURE A1 HOUSING BOND DRAFT HOME PRESERVATION LOAN PROGRAM IMPLEMENTATION-LEVEL POLICIES 15-Day Public Comment Review Draft Released June 11, 2018 Table of Contents I. Measure A1 Housing

More information

PROGRAM GUIDELINES (LYNNHURST: Fix It Fund)

PROGRAM GUIDELINES (LYNNHURST: Fix It Fund) PROGRAM GUIDELINES (LYNNHURST: Fix It Fund) Home Improvement Loan Program Overview: The neighborhoods of Armatage, Fulton, Kenny and Lynnhurst have entered into a cooperative relationship to develop and

More information

Job Status Report w/hours 09/24/08

Job Status Report w/hours 09/24/08 Cost-To-Complete Job# = 186 Sample Company 2005 Job Status Report w/hours 186 Williams Post Office 1 General Requirements 1000.000 Budget 926 69,942 69,942 57 % 50 % 39,565 9,187 GENERAL REQUIREMENTS Cost

More information

Residential Construction Guide.

Residential Construction Guide. Residential Construction Guide. for Builders and Mortgage Brokers MARCH 2018 British Columbia Brokerage #X022176 Alberta Brokerage #MW-1411086 ON Brokerage #12560 Admin #12500 page 3 construction guide

More information

SUPPORTIVE HOUSING REPAIR PROGRAM

SUPPORTIVE HOUSING REPAIR PROGRAM SUPPORTIVE HOUSING REPAIR PROGRAM Program Guide and Application Effective January 2019 OVERVIEW For over 30 years, MaineHousing has provided funding to non-profit organizations for the development of supportive

More information

Understanding The FHA 203(k) Rehab Streamline Loan Program

Understanding The FHA 203(k) Rehab Streamline Loan Program Understanding The FHA 203(k) Rehab Streamline Loan Program FHA s 203K Streamline Rehab Program The FHA 203(k) program is HUD s primary program for the rehabilitation and repair of residential properties

More information

Commercial Building & Site Loan Program

Commercial Building & Site Loan Program Commercial Building & Site Loan Program Introduction In 2009, the City Of Muskego established the Commercial Building and Site Loan Program as administered by the Community Development Authority (CDA).

More information

Renovate your Real Estate Business

Renovate your Real Estate Business Renovate your Real Estate Business Shawn Barsness NMLS ID #67292 Renovation Lending This class is to help real estate agents better serve their clients by understanding how renovation loans work to solve

More information

FHA 203(k) () streamline mortgage Program

FHA 203(k) () streamline mortgage Program FHA 203(k) () streamline mortgage Program Help qualified borrowers purchase or refinance and make improvements all with a single loan Presented by: Mountain West Financial Why FHA 203(k) Through the Federal

More information

Construction to Permanent Loan Forms

Construction to Permanent Loan Forms Construction to Permanent Loan Forms Table of Contents Form A - Builder Acceptance Checklist and Questionnaire Form completed by builder for Builder Acceptance by the Lender. Form B - Builder s Letter

More information

INDIAN RIVER COUNTY HOUSING RECOVERY PLAN

INDIAN RIVER COUNTY HOUSING RECOVERY PLAN INDIAN RIVER COUNTY LOCAL HURRICANE HOUSING RECOVERY PLAN GUIDELINES, PROCEDURES, AND STRATEGIES FOR THE INDIAN RIVER COUNTY LOCAL HURRICANE HOUSING RECOVERY PROGRAM FY 2005-2006 FY 2006-2007 FY 2007-2008

More information

General Contractors/Developers General Liability Application

General Contractors/Developers General Liability Application Home Office: One Nationwide Plaza Columbus, Ohio 43215 Administrative Office: 8877 North Gainey Center Drive Scottsdale, Arizona 85258 1-800-423-7675 Fax (480) 483-6752 www.scottsdaleins.com General Contractors/Developers

More information

FHA Renovation Loan Program, or 203K

FHA Renovation Loan Program, or 203K FHA Renovation Loan Program, or 203K The Federal Housing Administration (FHA), which is part of the Department of Housing and Urban Development (HUD), administers various single family mortgage insurance

More information

to Renovation Financing

to Renovation Financing YOUR GUIDE to Renovation Financing IT S MORE THAN A MORTGAGE It Can Be Your Custom Home If you re shopping for a home, you likely have a wish list and with each house you enter, you re wondering if you

More information

FORECLOSURE/EVICTION CLEANUP SUPPLEMENTAL APPLICATION (Complete in addition to ACORD General Liability Application)

FORECLOSURE/EVICTION CLEANUP SUPPLEMENTAL APPLICATION (Complete in addition to ACORD General Liability Application) FORECLOSURE/EVICTION CLEANUP SUPPLEMENTAL APPLICATION (Complete in addition to ACORD General Liability Application) Name of Applicant: Web site Address: State/Area of Operations: ANSWER ALL QUESTIONS IF

More information

Contractors supplemental application

Contractors supplemental application Contractors supplemental application MAGL 2005 08 16 Page 1 of 6 Contractors supplemental application (to be attached to ACORD applications) General contractor/artisan contractor Applicant information

More information

Lake Ontario-St. Lawrence Seaway Flood Relief and Recovery Grant Program. Homeowner Recovery Fund

Lake Ontario-St. Lawrence Seaway Flood Relief and Recovery Grant Program. Homeowner Recovery Fund Guidelines For Financial Assistance Lake Ontario-St. Lawrence Seaway Flood Relief and Recovery Grant Program Homeowner Recovery Fund State of New York Andrew M. Cuomo, Governor New York State Homes and

More information

General Contractors/Developers General Liability Application

General Contractors/Developers General Liability Application General Contractors/Developers General Liability Application ANSWER ALL QUESTIONS IF THEY DO NOT APPLY, INDICATE NOT APPLICABLE. Applicant s Name _ Agent Name Address Mailing Address PROPOSED EFFECTIVE

More information

FHA 203(k) Product Offering 8/12/14

FHA 203(k) Product Offering 8/12/14 FHA 203(k) Product Offering 8/12/14 Overview of 203(k) Offering Define the 203(k) product and features Discuss benefits of the 203(k) products Learn how to determine eligibility Review guideline specifics

More information

TITLE 110 LEGISLATIVE RULE STATE TAX DEPARTMENT

TITLE 110 LEGISLATIVE RULE STATE TAX DEPARTMENT TITLE 110 LEGISLATIVE RULE STATE TAX DEPARTMENT SERIES 15I CONSUMER SALES AND SERVICE TAX AND USE TAX EXECUTIVE ORDERS DECLARING EMERGENCY AND EXEMPTING FROM TAX MOBILE HOMES AND SIMILAR UNITS AND BUILDING

More information

Association s Silver Member Syllabus

Association s Silver Member Syllabus Association s Silver Member Syllabus About This Public Adjusting Training You ve looked for formal public adjuster education. You ve looked for study guides preparing and spent countless hours burning

More information

ATTIC FAN - DECEMBER 1995

ATTIC FAN - DECEMBER 1995 400 Ashley Court Glen Mills, PA 19342 Phone: 610-459-0510 Fax: 610-459-5317 ATTIC FAN - DECEMBER 1995 WHEREAS, the Declaration of Condominium for Darlington Woods Condominium restricts alterations of any

More information

Lower your Risk with Due Diligence. Presented by Socorro Curiel

Lower your Risk with Due Diligence. Presented by Socorro Curiel Lower your Risk with Due Diligence Presented by Socorro Curiel Types of Investments Real Estate Promissory Notes Gas and Oil DPP / Business Stocks and Options Land Contracts Gold, Silver, and other Metals

More information

CELIA MENDIVIL PRIMAVERA FOUNDATION FEB. 28, Renting versus Buying Finding the Right Place To Live Budgeting and Your Finances

CELIA MENDIVIL PRIMAVERA FOUNDATION FEB. 28, Renting versus Buying Finding the Right Place To Live Budgeting and Your Finances CELIA MENDIVIL PRIMAVERA FOUNDATION FEB. 28, 2011 Renting versus Buying Finding the Right Place To Live Budgeting and Your Finances Renting vs. Buying If you are looking for a new home, your first decision

More information

Integrating Green Building Measures into Capital Planning for HUD Assisted and Public Housing Programs

Integrating Green Building Measures into Capital Planning for HUD Assisted and Public Housing Programs Building Bridges to Net Zero Integrating Green Building Measures into Capital Planning for HUD Assisted and Public Housing Programs Evolution of HUD's Green Capital Needs Assessment, and the new CNA etool

More information

Tax Benefits of Home Ownership

Tax Benefits of Home Ownership Thorley Wealth Management, Inc. Elizabeth Thorley, MS, CFP, CLU, AIF, AEP CEO & President 1478 Marsh Road Pittsford, NY 14534 585-512-8453 x205 Fax: 585.625.0477 ethorley@thorleywm.com www.thorleywm.com

More information

Congratulations, you have made the big decision to buy a home. Now what? There are many questions you will need to ask yourself before moving ahead:

Congratulations, you have made the big decision to buy a home. Now what? There are many questions you will need to ask yourself before moving ahead: Buyers Congratulations, you have made the big decision to buy a home. Now what? There are many questions you will need to ask yourself before moving ahead: BEFORE YOU BUY 1. Decide where you want to live.

More information

Apply for Home Preservation!

Apply for Home Preservation! ! Thank you for your interest in Habitat for Humanity of Wake County s Home Preservation program. Through Home Preservation, we seek to serve homeowners who are either unable to afford, or unable to complete

More information

General Contractors/Developers General Liability Application

General Contractors/Developers General Liability Application General Contractors/Developers General Liability Application Applicant s Name Mailing Address Agency Name Agent Address Web Site Address E-Mail Phone PROPOSED EFFECTIVE DATE: From To 12:01 A.M., Standard

More information

Using Financing To Grow Your Business: Enertech Program Overview Enertech Dealer Meeting

Using Financing To Grow Your Business: Enertech Program Overview Enertech Dealer Meeting Using Financing To Grow Your Business: Enertech Program Overview 2017 Enertech Dealer Meeting Who is EGIA Understanding Why Financing Is A Key To Growth Financing Is Necessary For You to Grow! I Have Heard

More information

New Construction and additions require verification of setbacks by a Massachusetts Registered Land Surveyor (RPLS).

New Construction and additions require verification of setbacks by a Massachusetts Registered Land Surveyor (RPLS). TOWN OF PALMER Palmer Town Building 4417 Main Street Palmer, Massachusetts 01069 OFFICE OF THE BUILDING INSPECTOR Telephone. (413) 283-2638 Fax (413) 283-2637 Permit # DM-201 - Rcvd: Amt: $ Paid by: Ck.

More information

PROJECT SUMMARY. 316 E. 23rd Street PROJECT SUMMARY - FLIP

PROJECT SUMMARY. 316 E. 23rd Street PROJECT SUMMARY - FLIP PROJECT SUMMARY PROJECT SUMMARY - FLIP PURCHASE/REHAB ASSUMPTIONS Purchase Price Rehab Cost Total Holding and Closing Costs (not inc. Sale) Total Financing Costs Total Project Cost Basis Total Amount Financed

More information

HOME IMPROVEMENT LOAN INFORMATION PACKAGE

HOME IMPROVEMENT LOAN INFORMATION PACKAGE HOME IMPROVEMENT LOAN INFORMATION PACKAGE CONTRACTORS With Our FHA Title 1 Home Improvement Loan HLIB Advantage Loan and Equity 1st Loan... You can sell more jobs by joining our Home Improvement Referral

More information

CITY OF SASKATOON COUNCIL POLICY

CITY OF SASKATOON COUNCIL POLICY ORIGIN/AUTHORITY Planning and Operations Committee Reports 23-1996; 9-2010; 5-2014; Standing Policy Committee on Planning, Development and Community Services Item 8.1.3 May 24, 2016; and Item 8.1.2. ADOPTED

More information

September Dear Resident of Olivia:

September Dear Resident of Olivia: September 2014 Dear Resident of Olivia: The City of Olivia is applying for funds to help homeowners make improvements in your neighborhood, and we need your help! If we hear from all of you, the program

More information

BENJAMIN RYAN COMMUNITIES, LLC FURTHER TERMS AND CONDITIONS ADDENDUM A. Addendum to New Home Purchase and Sale Agreement

BENJAMIN RYAN COMMUNITIES, LLC FURTHER TERMS AND CONDITIONS ADDENDUM A. Addendum to New Home Purchase and Sale Agreement Page 1 of 5 BENJAMIN RYAN COMMUNITIES, LLC FURTHER TERMS AND CONDITIONS ADDENDUM A Addendum to New Home Purchase and Sale Agreement THIS ADDENDUM IS ATTACHED TO AND MADE A PART OF the certain Real Estate

More information

THE HOMEBUYING EXPERIENCE

THE HOMEBUYING EXPERIENCE THE HOMEBUYING EXPERIENCE A STEP BY STEP GUIDE TO HOME 2018 EDITION CONTENTS CONGRATULATIONS! You have made the decision to purchase a new home! We developed this guide to provide you with an understanding

More information

Gilliam County Attainable Housing Incentive Programs

Gilliam County Attainable Housing Incentive Programs Gilliam County Attainable Housing Incentive Programs Purpose, Program Descriptions, Process Purpose and Intent of this Program The purpose and intent of the following programs is to improve and increase

More information

Is Applicant: Individual Partner Corporation LLC Other: describe. Fax Number: Cell Number:

Is Applicant: Individual Partner Corporation LLC Other: describe. Fax Number: Cell Number: OREP/David Brauner Insurance Services 6760 University Ave., Suite 250, San Diego, Ca. 92115 Phone: 888-347-5273; Fax: 619-704-0567; Email: info@orep.org Date: Name of Applicant/Primary Owner(s): Company

More information

Company Type: Corporation LLC Partnership Individual Joint Venture If Joint Venture, please describe: Additional Named Insured s (if any)

Company Type: Corporation LLC Partnership Individual Joint Venture If Joint Venture, please describe: Additional Named Insured s (if any) CONTRACTOR S POLLUTION LIABILITY APPLICATION SECTION 1 APPLICANT INFORMATION Applicant (Full Legal Name): Physical Address of Applicant: Mailing Address of Applicant: City: State: Zip Code: Established:

More information

Tax Benefits of Home Ownership

Tax Benefits of Home Ownership Select Portfolio Management, Inc 26800 Aliso Viejo Parkway Suite 150 Aliso Viejo, CA 92656 949-975-7900 800-445-9822 info@selectportfolio.com www.selectportfolio.com Tax Benefits of Home Ownership Page

More information