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"certified texas affordable housing specialist" posted by ~Ray
Posted on 2008-12-21 15:59:16

measure week I attended the the certification program. This is an accreditation from the Texas Association of REALTORS® that trains REALTORS® about the programs and procedures to help first-time home buyers and increase home ownership and retention in Texas. I am now one of a handful of agents with this credential that work in the Denton County area. Which I must admit for that reason and that this was a express accreditation was why I decided to spend the 2 days in classes. The classes were full of current data and statistics in fact on more than one occasion the instructors would defend for the “old charts” which were only from July or August. I chuckled at that because in so many classes I attend presentation slides have not been updated in a year or more. To be a Texas Affordable Housing Specialist I had to complete 5 classes which are: United Texas: Housing Initiatives that Work - Focuses on the programs and assistance available to first-time home buyers lower-income buyers public and civil servants rural markets disabled home buyers and Veterans Living in Texas. As well as the responsibilities of a REALTOR® representing these clients. How Green is Affecting Affordability - Elaborated on affordability in comparison to energy conservation. As well as what can be done to retro fit existing homes to be more energy efficient and the cost vs savings in “Green Building” and the incentives from financing to utility company state and federal rebate programs. So in the coming week it is my intentions to to end down each of these programs in greater detail and overlap the information with my visitors. I must say I am proud of this certification because I undergo always enjoyed working with first-time home buyers but now I undergo more tools than ever. In a future affix I will explain why I like first-timers so much. So if you are a first time home buyer which by definition is you have not owned a home as a primary residence in the past 3 years.  Are interested in a rural property or land or a veteran living in Texas for the past 12 months gratify don’t hesitate to call me now to learn more. I encourage you to this blog to stay up-to-date. In a future post I ordain explain <a href="" title=""> <abbr call=""> <acronym title=""> <b> <blockquote have in mind=""> <cite> <label> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>

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"certified texas affordable housing specialist" posted by ~Ray
Posted on 2008-12-21 15:59:16

Last week I attended the the certification schedule. This is an accreditation from the Texas Association of REALTORS® that trains REALTORS® about the programs and procedures to help first-time home buyers and increase home ownership and retention in Texas. I am now one of a handful of agents with this credential that work in the Denton County area. Which I must admit for that reason and that this was a express accreditation was why I decided to pay the 2 days in classes. The classes were full of current data and statistics in fact on more than one occasion the instructors would apologize for the “old charts” which were only from July or August. I chuckled at that because in so many classes I be presentation slides have not been updated in a year or more. To be a Texas Affordable Housing Specialist I had to complete 5 classes which are: United Texas: Housing Initiatives that Work - Focuses on the programs and assistance available to first-time home buyers lower-income buyers public and civil servants rural markets disabled home buyers and Veterans Living in Texas. As well as the responsibilities of a REALTOR® representing these clients. How color is Affecting Affordability - Elaborated on affordability in comparison to energy conservation. As well as what can be done to retro fit existing homes to be more energy efficient and the be vs savings in “Green Building” and the incentives from financing to utility affiliate express and federal rebate programs. So in the coming week it is my intentions to to break down each of these programs in greater dilate and share the information with my visitors. I must say I am proud of this certification because I undergo always enjoyed working with first-time home buyers but now I have more tools than ever. In a future affix I will explain why I like first-timers so much. So if you are a first time home buyer which by definition is you have not owned a home as a primary residence in the past 3 years.  Are interested in a rural property or arrive or a veteran living in Texas for the past 12 months gratify don’t hesitate to label me now to learn more. I back up you to this communicate to stay up-to-date. In a future affix I ordain inform <a href="" title=""> <abbr call=""> <acronym title=""> <b> <blockquote cite=""> <cite> <label> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>

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"redlining was the by far the most significant mechanism used to ..." posted by ~Ray
Posted on 2008-10-18 06:46:56

HOLC.. beginning in the 1930s the federal government launched a series of programs designed to increase employment in the construction industry and make homeownership widely available to the American public. The Home Owners' Loan Corporation (HOLC) was the first of these programs and it served as a model for later efforts.... Unfortunately for blacks the HOLC also initiated and institutionalized the practice of "redlining." This discriminatory practice grew out of a rating system HOLC developed to evaluate the risks associated with loans made to specific urban neighborhoods. Four categories of neighborhoods were established and lowest was coded with the color red; it and the next-lowest category virtually never received HOLC loans. Black areas were invariably rated as fourth grade and redlined. [These practices] lent the power prestige and support of the federal government to the systematic practice of racial discrimination. In the 1930s and 1940s banks used the HOLC maps to make their own loan decisions. Thus HOLC not only channeled federal funds away from black neighborhoods but was also responsible for a much larger and more significant disinvestment in black areas by private institutions. By far the greatest effect of the HOLC rating system however came from its influence on the underwriting practices of the Federal Housing Administration (FHA) and the Veterans Administration (VA) during the 1940s and 1950s. These loan programs together completely reshaped the residential housing market of the United States and pumped millions of dollars into the housing industry during the postwar era. Loans made by the FHA and the VA were a major impetus behind the rapid suburbanization of the United States after 1945.. the marriage of FHA financing and new construction techniques made it cheaper to buy new suburban homes than to rent comparable older dwellings in the central city. As a result the FHA and VA contributed significantly to the decline of the inner city by encouraging the selective our-migration of middle-class whites to the suburbs. "In evaluating neighborhoods the agency [FHA] followed the HOLC's earlier lead in racial matters; it too manifested an obsessive concern with the presence of what the 1939 FHA Underwriting Manual called “inharmonious racial or nationality groups." According to the manual. "if a neighborhood is to retain stability it is necessary that properties shall continue to be occupied by the same social and racial classes."__________________________________________________________________________"It is my belief that black citizens of this era were stuck between Jim Crow(Genocide) and the HOLC which funneled wealth away from many minority communities in the for of home ownership."-Eugene O. Smith. Jr.

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"home refiance" posted by ~Ray
Posted on 2008-01-18 00:32:46

This page provided to the domain owner free by Sedo's. Disclaimer: Domain owner and Sedo maintain no relationship with third celebrate advertisers. Reference to any specific function or trade mark is not controlled by Sedo or domain owner and does not constitute or evince its association endorsement or recommendation.

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"Indiana Refinance Mortgages Denton" posted by ~Ray
Posted on 2007-12-20 22:24:06

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"Those Promises Have Turned Out Not To Be True" posted by ~Ray
Posted on 2007-12-03 20:05:47

“Or he said they may have been among the legions of borrowers with hefty loans who have come to find gulp that those promises of home prices appreciating in perpetuity have turned out not to be true.” ... Lenders Didn't tip On Fatal Results; Cleveland. Detroit Among... In June the Mortgage Bankers Association blamed the nation's high foreclosure rate in part on the hemorrhaging of manufacturing jobs in Ohio. Michigan and Indiana. This shouldn't have come as news to anyone. ... Indiana finance Mortgages DentonMortgage give Refinance Home Loan. Home Refinance Englewoodco. finance Your … Indiana Refinance Mortgage. House Mortgage Refinance. Home Equity Loans Refinance Credit. domiciliate give Refinance In Indiana … No Cost domiciliate Refinance. ... Equity Estate Home give Mortgage RealTip: A domiciliate Equity Loan is a great resource to pay off your high interest rate ascribe card debt … equity estate home loan mortgage real. Tags: midwest title give indiana life insurance explained equity estate home give mortgage real. FHA Mortgage Programs/ FHA domiciliate Loans If you are looking to Purchase or Refinance a owe give please consider us for all of your finanacing options http://www fhamortgageprograms comCurrently Licensed in Alaska. California. Colorado. Florida. Montana. Indiana. ...

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"Those Promises Have Turned Out Not To Be True" posted by ~Ray
Posted on 2007-12-03 20:05:41

“Or he said they may undergo been among the legions of borrowers with hefty loans who undergo come to find drink that those promises of home prices appreciating in perpetuity have turned out not to be true.” ... Lenders Didn't Bank On Fatal Results; Cleveland. Detroit Among... In June the Mortgage Bankers Association blamed the nation's high foreclosure rate in part on the hemorrhaging of manufacturing jobs in Ohio. Michigan and Indiana. This shouldn't undergo go as news to anyone. ... Indiana finance Mortgages DentonMortgage give Refinance Home Loan. domiciliate Refinance Englewoodco. Refinance Your … Indiana finance Mortgage. accommodate owe finance. domiciliate Equity Loans finance Credit. domiciliate Loan Refinance In Indiana … No be domiciliate Refinance. ... Equity Estate domiciliate Loan owe RealTip: A Home Equity give is a great resource to pay off your high interest evaluate credit card debt … equity estate home loan mortgage real. Tags: midwest title loan indiana life insurance explained equity estate home give mortgage real. FHA Mortgage Programs/ FHA Home Loans If you are looking to acquire or Refinance a owe Loan please believe us for all of your finanacing options http://www fhamortgageprograms comCurrently Licensed in Alaska. California. Colorado. Florida. Montana. Indiana. ...

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"Those Promises Have Turned Out Not To Be True" posted by ~Ray
Posted on 2007-12-03 20:05:39

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"Those Promises Have Turned Out Not To Be True" posted by ~Ray
Posted on 2007-12-03 20:05:34

“Or he said they may have been among the legions of borrowers with hefty loans who have go to find gulp that those promises of home prices appreciating in perpetuity have turned out not to be true.” ... Lenders Didn't tip On Fatal Results; Cleveland. Detroit Among... In June the owe Bankers Association blamed the nation's high foreclosure evaluate in part on the hemorrhaging of manufacturing jobs in Ohio. Michigan and Indiana. This shouldn't have go as news to anyone. ... Indiana Refinance Mortgages DentonMortgage Loan finance Home Loan. Home finance Englewoodco. Refinance Your … Indiana Refinance Mortgage. House owe finance. Home Equity Loans Refinance Credit. domiciliate Loan finance In Indiana … No Cost Home Refinance. ... Equity Estate Home give Mortgage RealTip: A Home Equity give is a great resource to pay off your high interest evaluate credit card debt … equity estate home loan mortgage real. Tags: midwest call give indiana life insurance explained equity estate home loan mortgage real. FHA Mortgage Programs/ FHA domiciliate Loans If you are looking to acquire or Refinance a owe Loan please believe us for all of your finanacing options http://www fhamortgageprograms comCurrently Licensed in Alaska. California. Colorado. Florida. Montana. Indiana. ...

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"home loan mortgage refinance loan" posted by ~Ray
Posted on 2007-11-22 18:43:28

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