Check out this blog by 719Lending No matter where you are in the homebuying process, you can reach out to a professional housing counselor through the U.S. Department of Housing and Urban Development’s (HUD) Housing Counseling service. Counseling agencies are available in all states. They can help with everything from buying a home to avoiding foreclosure or pursuing a reverse mortgage. Start by selecting your state from a drop down menu on the HUD website. You will be provided with a list of HUD-approved agencies that can help answer questions and offer advice. The directory includes the agency name and contact information, including phone number, email, website, and address. You will also be able to see what type of services they offer, the languages staff speak, and the parent organization. For example, the Danville Redevelopment and Housing Authority, in Danville, Virginia offers financial management/budget counseling, pre-purchase counseling, and pre-purchase homebuyer education workshops. They fall under the Virginia Housing Development Authority. Many of the agencies listed are non-profit or government organizations that are specifically equipped to help low-income or experienced home buyers and renters. Many of the counseling services offered through these partner agencies are free to community members. You can find counseling workshops, one-on-one counseling services, and resources for both home buyers and home renters. Resources for foreclosure prevention and homelessness are free to all those who need these services. To be approved by the Department of Housing and Urban Development, agencies must provide counseling for free to those who cannot afford it, must be transparent and inform advisees of the fees they do charge, and only charge a fair fee. If you want advice on home buying, renting, budgeting for a home purchase, or financial considerations after buying your home, visit one of these HUD-approved housing counseling agencies The post HUD-Approved Housing Counseling Agencies appeared first on 719 Lending.

EXIT Realty Corp. International is on the cutting edge of all things real estate. Please enjoy these blogs available exclusively from EXIT Realty Corp. International. By Samantha Morris, Vice President, Digital Marketing, EXIT Realty Corp. International With hacking and cyber scams on the rise, education and awareness are critically important […] The post Protecting Your Data appeared first on Real Estate Industry Leaders.

Check out this blog by 719Lending If you have looked at your monthly mortgage statement, you have probably seen a line for insurance. You may have even received an insurance bill annually. Here is what you need to know about homeowners insurance. Homeowner’s insurance is often included in your monthly mortgage payment. Your mortgage consists of principal, interest, taxes, and insurance. Homeowners insurance usually covers damage to your home’s exterior, interior, and possessions. It can also include personal liability coverage in the event that other people are injured on your property. You can choose between a cash value policy, replacement value policy, or extended policy. Cash Value Policy: Covers the actual appraised value of the home and possessions, less depreciation. So if you purchased your large sectional five years ago, the cash value policy will value it at less than the purchase price. Replacement Policy: Covers the amount that it would take the actually rebuild and replace the home, usually more than the appraised value. Your policy will cover the cost to replace that large sectional with a new model. Extended Replacement Policy: Covers additional costs associated with replacing the home, even if the costs exceed the actual value of your policy. This keeps inflation in mind, since the rebuild cost of your home will likely be higher in 15 years than it is now when you purchase your policy. Keep in mind the homeowner’s insurance, like most types of insurance, is very customizable. You can agree to a larger deductible or lower coverage to keep your monthly premiums down. Your mortgage company will likely have minimum coverage requirements that you will need to carry to be approved for the loan. Check with your lender to find out what their minimum insurance requirements are. When you are ready to purchase homeowner’s insurance, start by talking to the insurance agency where you have other types of insurance, such as automobile, life, or disability insurance. You may be able to bundle your policies and receive discounts. You should shop around for the best insurance coverage that you can afford at a reasonable premium price. You can also ask your lender or realtor for recommendations if you are unsure where to begin. The post Ins and Outs of Homeowners Insurance appeared first on 719 Lending.

Check out this blog by 719Lending If you are homeschooling, virtual schooling, or just spending more learning time at home, you can benefit from some intentional design of your educational space. Here are some easy ways to make the most of your home’s layout for learning. If you have a little space: – Create a workspace for your child. Invite them to participate, by picking out special materials (pencils, markers, crayons) and asking them for input. Having a comfortable chair to work in can work wonders! – If you are setting up at your kitchen or dining table, try to stay as organized as possible to make set up and clean up easier. Consider where you will store your school materials when not in use. Teach your child to clean up at the end of the school day. – Hang a calendar to keep track assignments, meetings, and special days. This is also a great way to keep excitement high. If you have a dedicated room: – Give each person a workspace, such as a desk, chair, and lounge area. It can be helpful to ask their teachers how their classroom would normally be set up and what features work best for their age group. – Embrace nontraditional learning spaces, such as couches, beanbags chairs, or even floor pillow. Many children benefit from being able to move as they process new information. – Set up a tech charging station. Many schools are relying on tablets and other technology to work on assignments or meet in a virtual classroom. Create an area in your school room to charge these devices at the end of your day and teach your child to plug them in. You’ll be happy to see a full battery at the beginning of your day. If you have an outdoor space: – Make sure to get some fresh air and sunshine daily. This will help keep everyone’s spirits high. – Invite your children to take their learning outside. As long as they will not be distracted, they can even attend virtual school meetings or work on assignments out in the fresh air. – Create a family PE class with balls, sidewalk chalk, or small cones. You can even use items in your yard to create a nature hunt. Get creative and get outside! The post Creating a Homeschool Space in Your Home appeared first on 719 Lending.

Check out this blog by 719Lending Here’s my advice on how to approach your pre-qualification to buy a home. Need a Home Loan? Apply Today Have a Real Estate or Mortgage Question? Contact Us   Some people out there are under the impression that a pre-qualification can be done with a quick phone call. In some cases it can, but it really shouldn’t. Hear me out: It’s really a good idea for you to provide concrete financial documentation at the time of pre-qualification. Whenever there’s any sort of question about your income, credit, or debt, having that documentation upfront makes any problems much easier to solve in the long run. Anything that needs to be done will be completed before you sign a contract anyway. A pre-qualification that’s backed with paperwork will make the process much less stressful for you. Documentation will include pay stubs, tax returns, and other financial documents to get ahead of any hiccups that could happen, which ensures you’re approved and ready to buy when the time comes.   A pre-qualification backed by paperwork makes the process much easier.   If you have any questions about buying a home or home loans in general, don’t hesitate to reach out via phone or email. I look forward to hearing from you soon. The post VIDEO: What Documentation Is Needed to Get Pre-Qualified? appeared first on 719 Lending.

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* I got your books this weekend and WE LOVED THEM! We had so much fun reading about the different personalities, we had to read all the books all at once! It was fun picking out which ones we are! It was really great to read those, especially for Lauryn, my little I! ESPECIALLY since I’m homeschooling her, I can really teach her how to thrive in that personality! I would definitely encourage parents and teachers to buy them! I can better understand my children and how to parent, teach and encourage them to flourish in their God given personalities! Thank you!!!!

*These books are an insightful, creative presentation of the personality types. They are well-written and present clear distinctions that elementary age children will understand and to which they will relate. I believe this series can be used by teachers and parents alike to gain understanding on how to best work with and get the most out of their students and children. I believe that children that are exposed to this material will be better equipped to get along with others regardless of their personalities. This series will help children learn some things are not wrong, they are just different.

*The Four Pals series of books for children wonderfully reflect the unique differences and gifts that God has given each of us. If children are taught an awareness, understanding, and appreciation of these differences during their early years of development, they will be more successful in subsequent relationships with friends, family members, and in the world of business.

*Delightful stories will capture children’s imagination and attention as they identify with the characters and deepen their understanding of the four basic personality styles. As a result, they’ll better determine why the think and act the way the do, offering the positive reinforcement and self-esteem that every child needs!

*The Four Pals Series explains and highlights the four different personality types of individuals in a fun way. As parents of 18 children we realize the importance of understanding their viewpoints based upon each person’s unique personality. We have been encouraged to use our God-given motivational gifts and learn to work together in harmony to accomplish great things. We hope you enjoy reading these books with your children as much as we have with ours!

Signing up is easy! Please click on the option of your choice, fill out the completed form and email it back to us at: personalitypro@msn.comOnce we receive your registration we will contact you to secure your time slots and get you the form to choose your topics. You may have to wait a few weeks to start your sessions but we have new offices rotating in and out regularly so it shouldn’t be too long! Option 1: Full Flex Training Click Here Option 2: Piggy Back or Individual Sign Up Click Here

Our pkg of 17 sessions covering 19 topics is currently priced at $1,895.This can be divided into two payments! We do accept all major credit cards. You will receive your complete pkg. after your 1st payment has been processed. The 2nd payment will be processed 30 days after the initial payment.Add to CartFor questions about purchasing FLEX Training, please email us at: angeltuckerauthor@gmail.com.

Q: Are the sessions recorded?– Yes! You own them and can use them whenever you like.Q: Do I need to be with the EXIT organization to participate?– Yes!Q: Do you have a payment plan?– We can accept 2 installments upon request only! Conditions apply.Q: If you update a session, will I have the newest version?– Yes! It will automatically be put into the same dropbox folder!Q: Can I purchase new sessions in the future as you add more?– You sure can! New sessions can always be purchased to expand your package!Q: If I have technical difficulty during a session, can I repeat the session on a future date?– We do everything we can to make up your session if there were challenges due to internet connection, weather, etc. We want you to learn and love Flex Training so if we can make it happen…. we will!Q: Can I reschedule my sessions if needed? –You may reschedule up to 1/3 of your purchased sessions with at least 24 hours notice. If you need to reschedule more than that we reserve the right to charge you $25 per rescheduled session.