Forums Discussions
-
All Discussions
-
FHA DPA (Federal Housing Administration Down Payment Assistance) loan programs are designed to help eligible homebuyers purchase a home by providing financial assistance for their down payment and sometimes closing costs. These programs are typically offered by state and local government agencies, nonprofit organizations, and some lenders in partnership with the FHA. Here’s a general overview of how FHA DPA loan programs work:
-
Eligibility Criteria: To qualify for an FHA DPA loan program, you typically need to meet certain eligibility criteria, which may include:
- Demonstrating financial need.
- Completing a homebuyer education course.
- Meeting income and credit score requirements.
- Using the property as your primary residence.
-
FHA Loan Requirement: In most cases, FHA DPA programs are designed to work in conjunction with FHA loans. Therefore, you’ll need to qualify for an FHA loan first, which typically requires a lower down payment and allows for more flexible credit requirements than conventional loans.
-
Down Payment Assistance: The primary benefit of an FHA DPA program is that it provides financial assistance to cover a portion of your down payment. The amount of assistance can vary depending on the specific program, your financial situation, and the location of the property. Some programs offer grants or forgivable loans, while others may provide low-interest or deferred-payment loans.
-
Repayment Terms: The terms and conditions for repaying the down payment assistance can vary significantly between programs. Some programs offer grants or forgivable loans, meaning you may not have to repay the assistance if you meet certain conditions, such as staying in the home for a specified period. Other programs may require you to repay the assistance with interest once you sell the home or refinance the mortgage.
-
Application Process: To apply for an FHA DPA loan program, you’ll typically need to work with an approved lender or the organization offering the assistance. The application process may involve providing documentation of your income, assets, and other financial information.
-
Location-Specific Programs: Many FHA DPA programs are location-specific, meaning they are offered at the state or local level and may have different eligibility criteria and assistance amounts depending on where you plan to buy a home. It’s essential to research and find programs available in your area.
-
Homebuyer Education: Many DPA programs require participants to complete a homebuyer education course to ensure they understand the responsibilities of homeownership.
FHA DPA loan programs can be an excellent option for first-time homebuyers or those with limited financial resources who are looking to purchase a home. However, it’s essential to carefully review the terms and conditions of any program you’re interested in to understand how the assistance works and what obligations you may have in the future. Additionally, since my knowledge is current as of January 2022, I recommend checking with local housing authorities or lenders for the most up-to-date information on FHA DPA programs available in your area.
View Last Reply:
replied 1 year, 11 months ago
| Participants: 2 Members
|
2 Replies
-
-
Joe Biden, the President of the United States, had two German Shepherds named Champ and Major. Champ is the older of the two dogs and was with the Biden family before Joe Biden became President. Major is a rescue dog and was adopted by the Bidens in 2018. Please note that there may have been changes or developments since then, so I recommend checking the latest information for updates on the Biden family’s pets.
View Last Reply: replied 1 year, 11 months ago
| Participants: 2 Members
|
1 Reply
-
If a NMLS licensed loan officer works for a mortgage broker and is licensed in 30 states, can the loan officer be paid their commissions by 1099 on states that he is licensed in that allow 1099 compensation and be paid W2 on states that do not allow 1099 compensation>
-
This discussion was modified 2 years ago by
Gustan Cho.
View Last Reply:
replied 1 year, 11 months ago
| Participants: 8 Members
|
9 Replies
-
This discussion was modified 2 years ago by
-
Dogs are better. Better than who? People.
https://www.facebook.com/share/r/wppQvYbvQBzejtv8/?mibextid=oFDknk
facebook.com
📍 Cutest moments with pets. ❤️💕💞 #dogs #dogsofinstagram #dogstagram #dogslife #fyp #fypシ #foryou #foryoupage #viralvideos #viral. thaniaraynemodel · Original audio
View Last Reply:
replied 1 year, 11 months ago
| Participants: 2 Members
|
4 Replies
-
I have heard many conflicting stories about Illinois banning pets stores from selling puppies. If true, is this law just for Illinois or are there othere states? Or is it state by state? Is there any truth to this or is it another conspiracy story from FAKE NEWS. Thank you in advance.
View Last Reply:
replied 1 year, 11 months ago
| Participants: 2 Members
|
1 Reply
-
Growing up in Greenwich Village during the 1950s and 1960s allowed me to be exposed to the melting pot of historical writers. Thomas Paine, William Sydney Porter. [O’Henry] Mark Twain and James Baldwin, just to name a few. They all lived in The Village and embraced the Bohemin life style. For many years aspiring writers have flocked there. However, there are also locally born writers plying their craft. Charles Messina, Alfred Caneccchia, Dom Perruccio and myself. I can say I have know Charles Messina since he was born on Thompson Street. Charles has written many screen plays and plays, his latest musical play soon to be on Broadway, “The Wanderer.” Based on the life of Dion DiMucci, Dion and The Belmonts. Al Caneechia has written many books, “Greenwich Village Vignettes,” the Village seen through his eyes. “When Greenwich Village Was Ours,” which I contributed a short story. My buddy Dom Perruccio, he and Charles wrote, “Stomping Ground, Growing Up On The Streets of Greenwich Village,” His latest work is a beautifully illustrated book, “The Adventures of Miss Canoli The Scamp,” a wonderful tribute to his dog.
We will never be as famous as the afore mentioned writers, their creativity has cemented a place in Greenwich Village for current writers and writers of the future. Growing up in Greenwich Village during the 1950s and 1960s allowed me to be exposed to the melting pot of historical writers. Thomas Paine, William Sydney Porter. [O’Henry] Mark Twain and James Baldwin, just to name a few. They all lived in The Village and embraced the Bohemin life style. For many years aspiring writers have flocked there. However, there are also locally born writers plying their craft. Charles Messina, Alfred Caneccchia, Dom Perruccio and myself. I can say I have know Charles Messina since he was born on Thompson Street. Charles has written many screen plays and plays, his latest musical play soon to be on Broadway, “The Wanderer.” Based on the life of Dion DiMucci, Dion and The Belmonts. Al Caneechia has written many books, “Greenwich Village Vignettes,” the Village seen through his eyes. “When Greenwich Village Was Ours,” which I contributed a short story. My buddy Dom Perruccio, he and Charles wrote, “Stomping Ground, Growing Up On The Streets of Greenwich Village,” His latest work is a beautifully illustrated book, “The Adventures of Miss Canoli The Scamp,” a wonderful tribute to his dog.
We will never be as famous as the afore mentioned writers, their creativity has cemented a place in Greenwich Village for current writers and writers of the future. Growing up in Greenwich Village during the 1950s and 1960s allowed me to be exposed to the melting pot of historical writers. Thomas Paine, William Sydney Porter. [O’Henry] Mark Twain and James Baldwin, just to name a few. They all lived in The Village and embraced the Bohemin life style. For many years aspiring writers have flocked there. However, there are also locally born writers plying their craft. Charles Messina, Alfred Caneccchia, Dom Perruccio and myself. I can say I have know Charles Messina since he was born on Thompson Street. Charles has written many screen plays and plays, his latest musical play soon to be on Broadway, “The Wanderer.” Based on the life of Dion DiMucci, Dion and The Belmonts. Al Caneechia has written many books, “Greenwich Village Vignettes,” the Village seen through his eyes. “When Greenwich Village Was Ours,” which I contributed a short story. My buddy Dom Perruccio, he and Charles wrote, “Stomping Ground, Growing Up On The Streets of Greenwich Village,” His latest work is a beautifully illustrated book, “The Adventures of Miss Canoli The Scamp,” a wonderful tribute to his dog.
We will never be as famous as the afore mentioned writers, their creativity has cemented a place in Greenwich Village for current writers and writers of the future.
View Last Reply:
replied 1 year, 11 months ago
| Participants: 3 Members
|
3 Replies
-
Years ago when you worked 30 years for a company and retired they gave you a gold watch, a pension and a thank you for being a loyal employee. Today if you work for a larger corporation they give you a pink slip at 55. You are now too old for the company. They can hire two of you and save a bundle. At 55 your health becomes a concern, data shows you will get sick and it will cost the company dearly. No more loyalty, what are you supposed to do at 55? No one will hire you, you’re old. To me age is only a number a concept. If you stay healthy and avoid stress, stress is the big corporate killer, you may live a long life. Diet and exercise will help. I have my own theories of exercise. A rabbit hops around all their life and it lives many 8 years or so, a dog runs and jumps and lives to 12. Now a turtle sit on his ass all day and lived to 150. Be a turtle, no mortgage, no HOA and extremely mobile.
View Last Reply: replied 1 year, 11 months ago
| Participants: 2 Members
|
2 Replies
-
My latest novella about racial tension in Gulfport, Mississippi in 1950s.
View Last Reply: replied 1 year, 11 months ago
| Participants: 3 Members
|
4 Replies
-
-
I want to thank my dear friend Peter Arcuri @peter who I highly respect as a client, friend, writer, advisor, and business associate and partner on all he does for the team at GCA, being my advisor, going over ideas and business plans especially with Great Community Authority Forums, and spirituality and life in general. I like to start this forum to share the views of others on their thoughts and opinions of everything that is going on today in the United States and the world. I like to thank Peter for volunteering of taking on the responsibility of being my mentor and professor on studying and mastering the Christian’s view of the Ten Commandments. As I was working i overheard a YouTube video my wife was listening too and asked her what she was listening too. It seemed like whoever was talking, he stole my principles, ideology, and foundation i live by every day and base most of my business decisions and make my decisions on who my acquaintances and friends are. So I yelled to my wife who’s the guy talking on YouTube. She yells back, “THE TEN COMMANDMENTS.” That’s when I text Peter Arcuri. I will explain on a separate subforum on why I requested Peter for taking on the task on educating me on a following subforum at a later date on this thread. Basically, I asked Peter Arcuri, “Peter, can you teach me all about the ten commandments.” Peter’s response: ” Easy. Don’t Fuck Anyone.” Okay. Now I know where this academic thesis of the Ten Commandments will lead to. Here’s what started all this
https://youtu.be/RbIZsTVNu5M?si=1AI7U97dTIU_snot
-
This discussion was modified 1 year, 11 months ago by Gustan Cho.
-
This discussion was modified 1 year, 9 months ago by
Sapna Sharma.
-
This discussion was modified 1 year, 9 months ago by Sapna Sharma.
-
This discussion was modified 3 months, 4 weeks ago by Sapna Sharma.
View Last Reply: replied 1 year, 11 months ago
| Participants: 2 Members
|
1 Reply
-
This discussion was modified 1 year, 11 months ago by
-
What determines rural living? Being raise in NYC anything with a lawn was rural. Suburbia was the country to me. When I moved west and worked in vineyards I got a better idea. I can sum it up in two words. “Dirt Road” unsaved, pebbles is my definition, and a septic tank.
View Last Reply:
replied 1 year, 11 months ago
| Participants: 3 Members
|
2 Replies
-
There are many fake doctors that are celebrities. These so called celebrities use Dr. How many fake doctors are there. Is Dr. Jill Biden and Dr. Phil real doctors or fake doctors?
View Last Reply:
replied 1 year, 11 months ago
| Participants: 3 Members
|
2 Replies
-
Last Grapevine:
Last grapevine I mentioned truth in advertising; I am not done! Let’s start with organic. When organic was first introduced, it was great; although a little pesticide was used, parts per million, the produce was ugly. They never grew in a uniformed way. So they changed the meaning of the word, enabling them to use more pesticides. There will also be pesticides in fruits and vegetables because the farmer has to bring his crop to market and keep it fresh. Sulfur will always be used. If a farm is having an issue with certain bugs in damp weather, sulfur will be used to dry the crop and preserve it.
Vegan vs. Vegetarian: there are laws no that follow vegetarian and vegan. Marketing determines the guide lines, lately you will see, “plant based” Vegetarian or vegan cheese may contain rennet. This coagulates the cheese. It is actually a cow’s intestines. The cow must be dead before being used. It is an enzyme made from cows and is extremely appetizing. Read the label; it may contain rennet. No sugar added, or sugar-free. No additional sugar is added, which comes from fructose, which is natural in sugar but also a component of high fructose corn syrup. This causes diabetes, obesity, and some cancers. Here in the US sugar is processed with “bone char” to make it whiter. FDA says natural flavors can derive from a plant or an animal. FDA, spices are okay contains none of the afore mentioned.
Did you ever read the labels on candles? Tropidelic Clary Age—I guess that is the one Keith Richards uses. Tropidelic: does it contain LSD? Clary, sage, lavender, beetroot, and eucalyptus all contain herbal healing elements. If you believe in herbal medicines, Palo Santo, which means Saint Paul. Many cultures have used this wood for healing. A natural remedy for pain also comes in bracelet form. Why are these ingredients in candles?
If you are really serious about being a vegan or a vegetarian buy nothing in a package. Oops, apples are coated with ground beetle shells called, “black resin,” which is used in epoxy glue.
You heard it through the grapevine.
View Last Reply: replied 1 year, 11 months ago
| Participants: 2 Members
|
2 Replies
-
If you are looking for a quick, easy sauce for pasta, here is my recipe for Puttanesca sauce. Originally, from the Campagna region of Italy. Literally, Puttanesca means “prostitute,” a fast sauce made in between Johns. From the 19th century bordellos of Naples rose this simple dish that has become popular in the United States.
As I mentioned I don’t follow recipes only time and temp of the protein.
Vermicelli pasta, or any “Spa’getti,” a long, thin pasta.
Cook pasta,drain always reserve a little pasta water to add in. Preferaby cooked Al Dente, “to the tooth,” in Italian.
Add: Roma tomatoes sliced, olive oil, red pepper flakes, anchovies, black olives, and garlic.
The original recipe has capers, [I use olives] chili peppers, [I use red pepper flakes.]
You can add any amount of these ingredients depending on personal preference.
My wine suggestion would be a light, crisp, dry white wine, Pinot Grigio. If you need a little sweetness, try a German Riesling, they are dry with a slight touch of sweetness. Apricot is one flavor, in Riesling, the stainless steel aging of these wines created the fresh, crispness.
View Last Reply: replied 1 year, 11 months ago
| Participants: 2 Members
|
2 Replies
-
-
Who is this Anthony Fauci? Is he a medical doctor? Does he have a PhD? Does Anthony Fauci a real doctor? Is the information that Dr. Anthony Fauci worked for more than 50 years at the National Institutes of Health worked to manage U.S. public health crises, such as the HIV/AIDS epidemic in the 1980s, the West Nile Virus outbreak in 2009, H1N1, Ebola, Zika and Severe Acute Respiratory Syndrome (SARS), among others true? Did doctor Fauci was leading monster to have created and launched coronavirus and was in charge of developing the coronavirus vaccine to be used as a weapon of mass destruction? Did Dr. Fauci kill thousands of Beagle dogs to use them for lab testing purposes? Is Dr. Fauci a monster or a real doctor who wants to help people?
https://www.youtube.com/watch?v=KxwcdiX9dPI
-
This discussion was modified 1 year, 12 months ago by
Danny Vesokie | Affiliated Financial Partners.
View Last Reply:
replied 1 year, 11 months ago
| Participants: 11 Members
|
16 Replies
-
This discussion was modified 1 year, 12 months ago by
-
Biden Administration is not an inflation fighter
View Last Reply: replied 1 year, 11 months ago
| Participants: 3 Members
|
3 Replies
-
Americans no longer trust politicians and the mainstream media. Once trust is broken, you can not get it back. Trust was broken with politicians and the media. Ever listen to lying Jim Cramer of MAD MONEY JIM CRAMER show on CNBC? WHAT INFLATION? What do you mean high unemployment? The economy is great 👍. Joe Biden is great. Bidenomics? President Biden is the Navy Seal of Fighting INFLATION 💪 Whooo. We escaped a second GREAT RECESSION. Listen to Janet Yellen and FED Chair Jerome Power about their soft landing. What are they smoking 🚬 🚭 🤔. Please listen to the attached video carefully. It makes all the sense in the WORLD 🌎
View Last Reply:
replied 1 year, 11 months ago
| Participants: 2 Members
|
1 Reply
-
View Last Reply: replied 1 year, 11 months ago
| Participants: 2 Members
|
1 Reply
-
I could have been tech savvy years ago. I was living in San Mateo, California, near San Jose. I was managing restaurants and my neighbor was working in San Jose. He said to be, “ I got this great sales job and you would be great at it!” I asked what was the job, he replied, “selling chips.” Now I’m thinking chips that was a great job back in New York, if you can get a chip route it paid good money. So I ask, “Lays or Pringles?” He explained micro chips was the latest invention for computers. This was 1988, Silicon Valley was yet to be established. I miss the boat and I never ate potato chips again.
View Last Reply:
replied 1 year, 11 months ago
| Participants: 5 Members
|
7 Replies
-
-
What’s the LTV that an investor can use for rental income? Is it still 75%?
View Last Reply: replied 1 year, 12 months ago
| Participants: 2 Members
|
1 Reply
-
-
A homily early in Advent last year at St. Paul’s in Tampa, reminded me of a similar homily I heard years ago about prayer. There was a flood predicted and one man refused to heed the warning of the local authorities to vacate before the flood arrived, his answer was, “I will be fine I am praying to God.” Some hours passed and the flood worsened, the sheriff sent a boat to the man’s house to rescue him, “I am fine I am praying to God.” The boat left only to return three hours later and the man still refused to leave. Finally, the man was on his roof praying to God for help when just then a helicopter arrived to save him, still he refused, and he drowned.
When the man was greeted by God at the pearly gates he asked God, why He didn’t help him after praying so hard, God said “ I did help you I sent the sheriff, a boat and a helicopter.” The moral of the story is God answer prayers, maybe not the way we want, but He answers them.
I know God answers prayers, I don’t know how? I have prayed and prayed for things in my life, these prayers were not answered right away. If my prayer wasn’t answered, so I thought, it really was answered and the answer was “no.” God will give us the tools to help ourselves, we have to be aware of them and use them accordingly. I always pray, I wake up and pray, a prayer is constantly going through my head, and so many times the devil enters to trip me up with the words, he wants me to trip and fall so he can help me. It may have worked at one time, not now, and that’s the reason I am writing this story.
I pray to Padre Pio, “pray, hope and don’t worry,” that was Padre Pio’s mantra. I wear a St. Benedict medal attached to my crucifix to keep the devil away. For the last few weeks I have been wearing a Immaculate Mary medal on a black leather bracelet. I was never in the habit of praying to Mary, I do now and it works. My worries and troubles have not changed, but praying to Mary has eased my mind and prepared me for the future with a clearer head. This past Advent I prepared myself for the arrival of Jesus, and I have never felt so serene and so joyous. I know my prayers are being answered. In the end of this life I fully believe that praying has made a difference in my life. Pray!A homily early in Advent last year at St. Paul’s in Tampa, reminded me of a similar homily I heard years ago about prayer. There was a flood predicted and one man refused to heed the warning of the local authorities to vacate before the flood arrived, his answer was, “I will be fine I am praying to God.” Some hours passed and the flood worsened, the sheriff sent a boat to the man’s house to rescue him, “I am fine I am praying to God.” The boat left only to return three hours later and the man still refused to leave. Finally, the man was on his roof praying to God for help when just then a helicopter arrived to save him, still he refused, and he drowned.
When the man was greeted by God at the pearly gates he asked God, why He didn’t help him after praying so hard, God said “ I did help you I sent the sheriff, a boat and a helicopter.” The moral of the story is God answer prayers, maybe not the way we want, but He answers them.
I know God answers prayers, I don’t know how? I have prayed and prayed for things in my life, these prayers were not answered right away. If my prayer wasn’t answered, so I thought, it really was answered and the answer was “no.” God will give us the tools to help ourselves, we have to be aware of them and use them accordingly. I always pray, I wake up and pray, a prayer is constantly going through my head, and so many times the devil enters to trip me up with the words, he wants me to trip and fall so he can help me. It may have worked at one time, not now, and that’s the reason I am writing this story.
I pray to Padre Pio, “pray, hope and don’t worry,” that was Padre Pio’s mantra. I wear a St. Benedict medal attached to my crucifix to keep the devil away. For the last few weeks I have been wearing a Immaculate Mary medal on a black leather bracelet. I was never in the habit of praying to Mary, I do now and it works. My worries and troubles have not changed, but praying to Mary has eased my mind and prepared me for the future with a clearer head. This past Advent I prepared myself for the arrival of Jesus, and I have never felt so serene and so joyous. I know my prayers are being answered. In the end of this life I fully believe that praying has made a difference in my life. Pray!
View Last Reply:
replied 1 year, 12 months ago
| Participants: 3 Members
|
3 Replies
-
Happy Thanksgiving !!
View Last Reply:
replied 1 year, 12 months ago
| Participants: 2 Members
|
1 Reply
-
I have a broker that is representing the seller in a transaction that is falling out.
Buyer has home listed in Canoga Park for $900k that they need to sell before they will qualify on a home.
Would it be possible to lend in this situation and if so what would be a range of possible rates?
I’m still collecting information but I’d like to give them some general feedback.
Best regards,
Taylor Gilmore
View Last Reply: replied 1 year, 12 months ago
| Participants: 2 Members
|
1 Reply
-
Decor trends come and go, but the Modern Farmhouse, Boho Chic and Industrial style seems to be here to stay. There are styles are always evolving and changing in scope, but the core theme remains. Where do you find style inspiration?
A few that I enjoy are
https://www.laurelmercantile.com/
https://www.netflix.com/title/81088239
https://www.hgtv.com/shows/home-town
-
This discussion was modified 7 months, 1 week ago by Sapna Sharma.
studio-mcgee.com
Studio McGee: Beautiful Interior Design & Home Decor
Explore Studio McGee for timeless home decor and interior design. From design to lifestyle, everything you need to make life beautiful!
View Last Reply: replied 1 year, 12 months ago
| Participants: 2 Members
|
1 Reply
-
This discussion was modified 7 months, 1 week ago by
-
California is facing a severe housing inventory shortage despite high rates, soaring inflation, and Californians fleeing the liberal state. Read this informative article by Sarah Wu
View Last Reply: replied 1 year, 12 months ago
| Participants: 2 Members
|
1 Reply
-
Credit Karma is not accurate for mortgage credit scores but it is a great indicator. If Credit Karma is high, so will your mortgage credit scores. The mortgage credit scores are generally lower than Credit Karma.Creidt Karma is easy to use and you get Transunion and Equifax but not Experian.
View Last Reply: replied 1 year, 12 months ago
| Participants: 2 Members
|
1 Reply
-
DSCR mortgage loans require a 20% to 30% down payment. The down payment depends on the borrower’s credit score. The lower the credit scores the higher the down payment requirement on DSCR loans. There is no income tax returns required on DSCR loans.
-
This discussion was modified 3 years, 3 months ago by
Eric Jeanette.
View Last Reply: replied 1 year, 12 months ago
| Participants: 2 Members
|
1 Reply
-
This discussion was modified 3 years, 3 months ago by
