The CalPERS Personal Loan down payment assistance program is one of the only 100% financing options available for home buyers in today's market.
This program is available to member of CalPERS, LRS & JRS in the State of California.
100% Financing Options for CalPERS members - Updated 1/19/09Scott Schang
CalPERS offers one of the only 100% financing options available by allowing participation annuitants to take out a personal loan secured by their retirement account.
This loan program utilizes an FHA first mortgage in conjunction with a personal loan second to achieve 100% financing.
We also review the newly released guidelines for the $7,500 federal tax credit released by the IRS earlier this month.
The California Public Employees Retirement System offers a special home purchase loan benefit to it's members.
This presentation outlines the benefits and details of this special benefit that features a down payment assistance program that allows up to 102% total financing.
The CalPERS loan can also be used with the CalHFA CHDAP closing cost and down payment assistance program.
Broadview Community Access Affordable Mortgage ProgramFindMyWayHome.com
The Broadview Community Access Homebuyer Mortgage Program is an Affordable Lending program created with the specific purpose of helping valued community members buy a primary residence.
A Complete Guide to FHA Purchase LoansScott Schang
This educational home buyer class explores basic FHA purchase guidelines.
Our mission to educate and empower homeowners extends beyond simple underwriting guidelines.
We also expose common marketing and sales tactics of illegal FHA branches, interest rate bait and switch.
Bonus Topic: We will review the basic guidelines for the $7,500 federal tax credit which expires later this year.
100% Financing Options for CalPERS members - Updated 1/19/09Scott Schang
CalPERS offers one of the only 100% financing options available by allowing participation annuitants to take out a personal loan secured by their retirement account.
This loan program utilizes an FHA first mortgage in conjunction with a personal loan second to achieve 100% financing.
We also review the newly released guidelines for the $7,500 federal tax credit released by the IRS earlier this month.
The California Public Employees Retirement System offers a special home purchase loan benefit to it's members.
This presentation outlines the benefits and details of this special benefit that features a down payment assistance program that allows up to 102% total financing.
The CalPERS loan can also be used with the CalHFA CHDAP closing cost and down payment assistance program.
Broadview Community Access Affordable Mortgage ProgramFindMyWayHome.com
The Broadview Community Access Homebuyer Mortgage Program is an Affordable Lending program created with the specific purpose of helping valued community members buy a primary residence.
A Complete Guide to FHA Purchase LoansScott Schang
This educational home buyer class explores basic FHA purchase guidelines.
Our mission to educate and empower homeowners extends beyond simple underwriting guidelines.
We also expose common marketing and sales tactics of illegal FHA branches, interest rate bait and switch.
Bonus Topic: We will review the basic guidelines for the $7,500 federal tax credit which expires later this year.
CalSTRS 80/17 Home Purchase Loan - Updated 1-15-2009Scott Schang
Updated presentation of "A Complete Guide to the CalSTRS 80/17 Home Purchase Loan".
As an employee of a California public school or community college you may be eligible for this low down payment, NO mortgage insurance, home purchase loan.
Also covered are the newly released IRS guidelines for the $7,500 Federal Tax Credit which expires July 1st, 2009
The CalSTRS 80/17 Home Purchase Program remains the single most beneficial community based home purchase program available in California for eligible employees and teachers of California public schools and community colleges.
This update includes special down payment and closing cost assistance available to members of CalPERS
A Complete Guide to the CalSTRS 80/17 Home Purchase LoanFindMyWayHome.com
This is an incredible loan program available to any employee of a California Public School, School District or Community College.
This loan program offered by the Californiat State Teacher's Retirement System allows for 3% down payment with NO upfront and NO monthly mortgage insurance!
There's nothing out there like this program. It's not too good to be true, there are some things you need to know about this loan to determine if it's right for you.
These are the slides from the online webinar, please feel free to contact us for questions or more information
There have been some important changes to the CalSTRS 80/17 that will affect your qualifying in 2010.
This informative and educational Webinar was presented by Mario Basura, a CalSTRS specialist at Broadview Mortgage - Katella on February 25th, 2010.
If you have questions, feel free to email Mario at MarioB@Broadviewmortgagecorp.com
Five 100% Financing Loans You Should Know AboutScott Schang
We discuss a wide variety of 100% financing options still available to qualifying home buyers.
Topics include community seconds and mortgage credit certificates
Want to buy a home in Maryland, PA or WV but have little money? Check out the USDA Loan. You do NOT need to be a 1st time home buyer. Loan is based on location of the property & max income limits. We cover all the basic guidelines here but to obtain a FREE pre-approval you will need to contact us at challjr@monarchmtg.com or www.monarchbank.com/chall
A Complete Guide to the CalSTRS 80/17 Home Purchase LoanScott Schang
The CalSTRS 80/17 is the single most beneficial loan program available to employees of California's Public School or Community College Systems or School districts
Learn about reverse mortgage with the plain facts explaned on this slide presentation. Maggie O'Connell has been educating seniors for 23 years on HECM - FHA Reverse Mortgages and Jumbo / Private reverse mortgages. 800-489-0986
CalSTRS 80/17 Home Purchase Loan - Updated 1-15-2009Scott Schang
Updated presentation of "A Complete Guide to the CalSTRS 80/17 Home Purchase Loan".
As an employee of a California public school or community college you may be eligible for this low down payment, NO mortgage insurance, home purchase loan.
Also covered are the newly released IRS guidelines for the $7,500 Federal Tax Credit which expires July 1st, 2009
The CalSTRS 80/17 Home Purchase Program remains the single most beneficial community based home purchase program available in California for eligible employees and teachers of California public schools and community colleges.
This update includes special down payment and closing cost assistance available to members of CalPERS
A Complete Guide to the CalSTRS 80/17 Home Purchase LoanFindMyWayHome.com
This is an incredible loan program available to any employee of a California Public School, School District or Community College.
This loan program offered by the Californiat State Teacher's Retirement System allows for 3% down payment with NO upfront and NO monthly mortgage insurance!
There's nothing out there like this program. It's not too good to be true, there are some things you need to know about this loan to determine if it's right for you.
These are the slides from the online webinar, please feel free to contact us for questions or more information
There have been some important changes to the CalSTRS 80/17 that will affect your qualifying in 2010.
This informative and educational Webinar was presented by Mario Basura, a CalSTRS specialist at Broadview Mortgage - Katella on February 25th, 2010.
If you have questions, feel free to email Mario at MarioB@Broadviewmortgagecorp.com
Five 100% Financing Loans You Should Know AboutScott Schang
We discuss a wide variety of 100% financing options still available to qualifying home buyers.
Topics include community seconds and mortgage credit certificates
Want to buy a home in Maryland, PA or WV but have little money? Check out the USDA Loan. You do NOT need to be a 1st time home buyer. Loan is based on location of the property & max income limits. We cover all the basic guidelines here but to obtain a FREE pre-approval you will need to contact us at challjr@monarchmtg.com or www.monarchbank.com/chall
A Complete Guide to the CalSTRS 80/17 Home Purchase LoanScott Schang
The CalSTRS 80/17 is the single most beneficial loan program available to employees of California's Public School or Community College Systems or School districts
Learn about reverse mortgage with the plain facts explaned on this slide presentation. Maggie O'Connell has been educating seniors for 23 years on HECM - FHA Reverse Mortgages and Jumbo / Private reverse mortgages. 800-489-0986
From a Sept. 2009 Making Home Affordable meeting where a rep from the U.S. Treasury went more in depth on the HAMP and HARP programs along with representatives from Freddie and Fannie
This is a copy of the PowerPoint presentation I use when teaching about Reverse Mortgages. If you are interested in learning more about a Revers Mortgage please contact me.
A Complete Guide to FHA Refinance LoansScott Schang
A Complete Guide to FHA Refinance loan programs reviews basic FHA qualifying guidelines including employment, income and allowable properties.
Before you refinance your home, you should always do a thorough cost/benefit analysis to determine if you are refinancing for the right reasons.
We also discuss "Red Flags" - What to watch out for. These are common marketing and sales strategies that try to trick you into refinancing without all the facts.
Another home ownership education class about FHA refinancing options.
More important than knowing what programs are available is understanding the cost involved and how to determine if a refinance will really benefit you.
This informative on-line class discusses how to do a cost benefit analysis to determine your actual benefit, as well as a complete discussion of what FHA loan programs are available for you to take advantage of.
A Complete Guide to CalHFA First Time Homebuyer Programs - Cal30 & CHDAPFindMyWayHome.com
The California Housing Finance Agency recently introduced two new first time homebuyer programs.
The Cal30 is a fixed rate, low cost loan program, CHDAP is a 3% down payment assistance or closing cost assistance loan program.
These are the slides from the online webinar, please feel free to contact us for questions or more information
A First Time Homebuyer's Complete Guide to Credit And QualifyingScott Schang
An overview of how credit affects your loan approval, how to improve your credit scores. Also, details about what is required for a loan application and what the lenders will look at in qualifying for a loan approval
Everything you need to know before you buy your first home. Includes steps of the process, descriptions of financing options, lender red flags and credit score information.
This is an exciting first time home buyer benefit being offered by the California Association of Realtors through the Housing Affordability Fund.
The Mortgage Protection Program offers insurance payments in the event that a new homebuyer become involuntarily unemployed or accidentally disabled.
For more valuable homebuyer education classes be sure to sign up at www.REblueBird.org to receive notifications of upcoming classes.
What you need to know about Hiring A Rea Estate AgentScott Schang
This presentation helps you to understand the extent of the fiduciary responsibilities owed to you under an Agency Relationship.
Buying a home is one of the most important decisions of your life. This presentation will help you to make an informed and educated choice of which professionals to use to help you with this purchase.
A Complete Guide to Closing Costs and The Good Faith Estimate - Updated 2-5-09Scott Schang
This presentation gives an overview of the Good Faith Estimate and what closing costs are typically associated in a Purchase or Refinance refinance transaction.
Many lenders in the past (and still today) use the Good Faith Estimate as a marketing tactic to lure unsuspecting homeowners only to reveal the TRUE costs much further into process when there is little time to change direction.
Hiring An Agent And Finding Deals - Updated 2/5/09Scott Schang
Hiring a Real Estate Agent is a serious and important financial decision.
We discuss how Real Estate Agents get paid, how to hire, what is an Agency relationship, what are the Fiduciary duties of an agent.
We also discuss the use of the internet to advertise homes for sale and collect information for sales call. We will show you how to find accurate information and avoid the high pressure sales calls that can follow if you fill out the wrong form.
As the FDIC and the Fed continue to push for a uniform standard for loan modification eligibility, it is becoming more difficult to qualify.
if modification efforts are being declined over and over again and it seems that foreclosure is imminent, doing a short sale is an option that keep you, the homeowner, in control of the process.
A short sale will make the time line for moving much more manageable and may even allow you to stay in the home for many months more.
A Complete Guide to Buying Foreclosures and Short Sales updated on 2-2-09Scott Schang
This presentation introduces home buyers to foreclosures and short sales.
Going into this real estate market without knowing the particulars of these types of homes offered can be really confusing.
This class attempts to uncover some of the things that you don't usually hear about from lenders and realtors.
A Complete Guide to Closing Costs and the The Good Faith Estimate - Presented...Scott Schang
This class reviews all of the costs associated with purchasing or refinancing a home loan.
Many "not-so-honest" lenders use the good faith estimate to feature an unrealistic interest rate knowing full well that they can never deliver this scenario.
We bust through those tactics and show and empower you with enough information to sniff these tactics out and allow you to make sound financial decisions when choosing which lender you trust to complete your loan.
A Complete Guide to the CalSTRS 80/17 Purchase Loan - Updated 1-15-09Scott Schang
As an employee a California Public School or Community College you may be eligible for a 3% down, No PMI purchase loan.
The CalSTRS 80/17 is hands down the most flexible purchase around with such a low down payment.
We also address the 100% financing option available to members of CalPERS and review the newly released IRS guidelines for the $7,500 federal tax credit that expires in 2009.
Instructions for Submissions thorugh G- Classroom.pptxJheel Barad
This presentation provides a briefing on how to upload submissions and documents in Google Classroom. It was prepared as part of an orientation for new Sainik School in-service teacher trainees. As a training officer, my goal is to ensure that you are comfortable and proficient with this essential tool for managing assignments and fostering student engagement.
Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
Synthetic Fiber Construction in lab .pptxPavel ( NSTU)
Synthetic fiber production is a fascinating and complex field that blends chemistry, engineering, and environmental science. By understanding these aspects, students can gain a comprehensive view of synthetic fiber production, its impact on society and the environment, and the potential for future innovations. Synthetic fibers play a crucial role in modern society, impacting various aspects of daily life, industry, and the environment. ynthetic fibers are integral to modern life, offering a range of benefits from cost-effectiveness and versatility to innovative applications and performance characteristics. While they pose environmental challenges, ongoing research and development aim to create more sustainable and eco-friendly alternatives. Understanding the importance of synthetic fibers helps in appreciating their role in the economy, industry, and daily life, while also emphasizing the need for sustainable practices and innovation.
Palestine last event orientationfvgnh .pptxRaedMohamed3
An EFL lesson about the current events in Palestine. It is intended to be for intermediate students who wish to increase their listening skills through a short lesson in power point.
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
How to Make a Field invisible in Odoo 17Celine George
It is possible to hide or invisible some fields in odoo. Commonly using “invisible” attribute in the field definition to invisible the fields. This slide will show how to make a field invisible in odoo 17.
This is a presentation by Dada Robert in a Your Skill Boost masterclass organised by the Excellence Foundation for South Sudan (EFSS) on Saturday, the 25th and Sunday, the 26th of May 2024.
He discussed the concept of quality improvement, emphasizing its applicability to various aspects of life, including personal, project, and program improvements. He defined quality as doing the right thing at the right time in the right way to achieve the best possible results and discussed the concept of the "gap" between what we know and what we do, and how this gap represents the areas we need to improve. He explained the scientific approach to quality improvement, which involves systematic performance analysis, testing and learning, and implementing change ideas. He also highlighted the importance of client focus and a team approach to quality improvement.
How to Split Bills in the Odoo 17 POS ModuleCeline George
Bills have a main role in point of sale procedure. It will help to track sales, handling payments and giving receipts to customers. Bill splitting also has an important role in POS. For example, If some friends come together for dinner and if they want to divide the bill then it is possible by POS bill splitting. This slide will show how to split bills in odoo 17 POS.
Ethnobotany and Ethnopharmacology:
Ethnobotany in herbal drug evaluation,
Impact of Ethnobotany in traditional medicine,
New development in herbals,
Bio-prospecting tools for drug discovery,
Role of Ethnopharmacology in drug evaluation,
Reverse Pharmacology.
We all have good and bad thoughts from time to time and situation to situation. We are bombarded daily with spiraling thoughts(both negative and positive) creating all-consuming feel , making us difficult to manage with associated suffering. Good thoughts are like our Mob Signal (Positive thought) amidst noise(negative thought) in the atmosphere. Negative thoughts like noise outweigh positive thoughts. These thoughts often create unwanted confusion, trouble, stress and frustration in our mind as well as chaos in our physical world. Negative thoughts are also known as “distorted thinking”.
100% Financing Options with CalPERS - A Complete Guide to the CalPERS Home Loan Program
1. A Complete Guide to CalPERS Home Purchase Loans Thank You for Attending We Will Begin in a Moment Class will begin at 6:30pm Presented By: Broadview Mortgage Corporation Presenter: Scott Schang Contact Information: Phone: 866-667-6724 [email_address]
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29. Thank you for Attending Your feedback is Valuable Please complete survey when you log off Thank you for Attending! Presented By: Broadview Mortgage Corp. Presenter: Scott Schang Contact Information: Phone: 866-667-6724 [email_address]