Down payment assistance programs provide grants of up to $6,000 to help with down payments and closing costs for eligible homebuyers. The funds do not need to be repaid as long as the homebuyer lives in the property for a specified period. This allows buyers to purchase a home sooner by needing to borrow less for a mortgage or put down a smaller down payment initially. Standard Bank currently offers down payment assistance programs through the Illinois Housing Development Authority and Federal Home Loan Bank of Chicago.
What does it mean to have stock options? How can early exercise help maximize the value of employee equity? And what are the pros and cons behind the decision?
This deck defines common terms and concepts like stock options, vesting, and dilution. It explains what early exercise is, the pros and cons, and a includes a detailed “how to” for employees who decide to move forward.
Step by step process to buying a home. Everything you need to know from making the offer, to getting the proper inspections, the paperwork, and closing process.
Mike Hall
Http://www.myohiohouse.com
614-937-4162
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Rotaract has the power to take action, promote Rotary,
and create innovative service and membership models.
Hear about the different Rotaract models worldwide and
understand how you can help build a strong Rotaract
ecosystem in your district.
What does it mean to have stock options? How can early exercise help maximize the value of employee equity? And what are the pros and cons behind the decision?
This deck defines common terms and concepts like stock options, vesting, and dilution. It explains what early exercise is, the pros and cons, and a includes a detailed “how to” for employees who decide to move forward.
Step by step process to buying a home. Everything you need to know from making the offer, to getting the proper inspections, the paperwork, and closing process.
Mike Hall
Http://www.myohiohouse.com
614-937-4162
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Rotaract has the power to take action, promote Rotary,
and create innovative service and membership models.
Hear about the different Rotaract models worldwide and
understand how you can help build a strong Rotaract
ecosystem in your district.
Personal Finance: Budgeting & Psychology of Spending by @PhroogalJason Vitug
Budgeting is an important and vital part of personal finance. The seminar focuses on the importance of mindset to create and stick to a budget. It examines the psychology of spending and our relationship with money. The goal is to educate attendees on key budgeting terms, motivations, pitfalls and the steps to start a budget.
A budget is a spending plan that you decide upon. It is based on how much you make in income and what your monthly expenses are. By understanding your monthly income and expenses, you will be better able to manage your cash flow and determine how much debt, if any, you can assume.
Cultural Event Proposal For Corporate Employees PowerPoint Presentation SlidesSlideTeam
If your company needs to submit a Cultural Event Proposal For Corporate Employees PowerPoint Presentation Slides look no further. Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. https://bit.ly/3g00Fx6
Is there something different you would like to be doing with your money but you are not sure what is the right next step for you right now? (After all there are thousands of choices).
In this presentation you can diagnose your stage in the Six Stages of Wealth Creation. Then discover the right next action for you to do with your money.
Effective 60 Second BNI Presentations - Mike Darnell, BNI United Bangkok
The full post is here:
http://kpis.co/2010/10/07/effective-60-second-business-networking-introductions-5-keys-to-success
Feel free to use this at your BNI chapter meetings : )
My only request is you give me the following credit:
Mike Darnell - Web Project Manager
http://KPIs.co - The Key Performance Indicator blog
BTW you can find all my BNI posts here:
http://kpis.co/tag/bni
Enjoy...!
Mike : )
Financial Empowerment Seminar with focus on
1. Causes of Business Failures
2. Retirement Planning /Life after Work-Life
3. Overcoming Financial Challenges in Retirement
Members of the Personal Finance Community are bringing financial literacy to the masses in unconventional ways. This week, we highlighted some of the people making a difference in the way people learn about important financial topics.
The panel included: Marsha Barnes- Founder of The Finance Bar, Jason Vitug- Founder of Phroogal, Rod Griffin- Director of Public Education at Experian, and Mike Delgado- Social Media Community Manager at Experian.
This deck features tips from: @LeslieHTayneEsq, @Phroogal, @lenda, @shermanwealth, @care4yourfuture, @savingfreak, @CompareCards, @Kasasa, @WealthwithMina, @moneytalk1, @gina_constantino, @dahartattack, and @suddenlyfrugal.
The presentation describes about continued presence of business owners in networking meetings and how a substitute can be used effectively for the same.
Personal Finance: Budgeting & Psychology of Spending by @PhroogalJason Vitug
Budgeting is an important and vital part of personal finance. The seminar focuses on the importance of mindset to create and stick to a budget. It examines the psychology of spending and our relationship with money. The goal is to educate attendees on key budgeting terms, motivations, pitfalls and the steps to start a budget.
A budget is a spending plan that you decide upon. It is based on how much you make in income and what your monthly expenses are. By understanding your monthly income and expenses, you will be better able to manage your cash flow and determine how much debt, if any, you can assume.
Cultural Event Proposal For Corporate Employees PowerPoint Presentation SlidesSlideTeam
If your company needs to submit a Cultural Event Proposal For Corporate Employees PowerPoint Presentation Slides look no further. Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. https://bit.ly/3g00Fx6
Is there something different you would like to be doing with your money but you are not sure what is the right next step for you right now? (After all there are thousands of choices).
In this presentation you can diagnose your stage in the Six Stages of Wealth Creation. Then discover the right next action for you to do with your money.
Effective 60 Second BNI Presentations - Mike Darnell, BNI United Bangkok
The full post is here:
http://kpis.co/2010/10/07/effective-60-second-business-networking-introductions-5-keys-to-success
Feel free to use this at your BNI chapter meetings : )
My only request is you give me the following credit:
Mike Darnell - Web Project Manager
http://KPIs.co - The Key Performance Indicator blog
BTW you can find all my BNI posts here:
http://kpis.co/tag/bni
Enjoy...!
Mike : )
Financial Empowerment Seminar with focus on
1. Causes of Business Failures
2. Retirement Planning /Life after Work-Life
3. Overcoming Financial Challenges in Retirement
Members of the Personal Finance Community are bringing financial literacy to the masses in unconventional ways. This week, we highlighted some of the people making a difference in the way people learn about important financial topics.
The panel included: Marsha Barnes- Founder of The Finance Bar, Jason Vitug- Founder of Phroogal, Rod Griffin- Director of Public Education at Experian, and Mike Delgado- Social Media Community Manager at Experian.
This deck features tips from: @LeslieHTayneEsq, @Phroogal, @lenda, @shermanwealth, @care4yourfuture, @savingfreak, @CompareCards, @Kasasa, @WealthwithMina, @moneytalk1, @gina_constantino, @dahartattack, and @suddenlyfrugal.
The presentation describes about continued presence of business owners in networking meetings and how a substitute can be used effectively for the same.
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
Home Loan Approval with Less Income in Anaheim, California.pptxmarketing367770
Getting a home loan approval with a lower income in Anaheim, California, involves several strategies to improve your chances. Here are key steps to follow:
Improve Your Credit Score: Ensure your credit score is as high as possible by paying off debts, correcting errors on your credit report, and maintaining timely payments.
Save for a Larger Down Payment: A substantial down payment reduces the loan amount and demonstrates financial responsibility to lenders.
Explore Government Programs: Look into federal and state assistance programs, such as FHA loans, which are designed to help low-income borrowers by offering lower down payment requirements and more lenient credit criteria.
Reduce Debt-to-Income Ratio: Pay down existing debts to lower your debt-to-income ratio, making you a more attractive candidate for lenders.
Seek Pre-Approval: Obtain a mortgage pre-approval to show sellers and real estate agents that you are a serious buyer with the financial backing to make a purchase.
Consider Co-Borrowers: Adding a co-borrower with a higher income or better credit can improve your loan approval chances.
Consult Local Programs: Investigate local Anaheim housing assistance programs that may offer additional support or incentives for low-income buyers.
By carefully managing your financial profile and exploring available resources, you can enhance your likelihood of securing a home loan in Anaheim, even with a lower income.
Understanding your mortgage options as a home buyer is the first step to home ownership. With millions of lenders that offer millions of solutions, who do you pick. In this presentation, we will help clear some of your options.
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.
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
First Time Homebuyer's Seminar, by Tom Sparks from Sierra Financial, Inc.
Down Payment Assistance
1. Mortgage Loan Down Payment Assistance Championing Successful Home Ownership in our Communities Member FDIC
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11. Down Payment Assistance Current Program Comparison None Borrower may not have owned principal residence during last 3 yrs unless veteran or targeted area First time home buyer requirement Conventional, FHA, VA, and other programs Conventional insured and USDA SMART MOVE IHDA loans Eligible first mortgages Standard Bank’s Illinois and Indiana lending areas Throughout Illinois Market areas Owner occupied 1 or 2 units Owner occupied 1 or 2 units Eligible properties Required Required Pre-purchase counseling $1000 Greater of $1000 or 1% Minimum borrower contribution Grant with retention agreement forgivable over 5 years to Standard Forgivable second lien at 0% over 10 years to IHDA Form & repayment of assistance Cook, DuPage, Will County $59,850 Grundy County 62,850 Lake & Porter County, IN 52,150 For 5% of purchase price: Cook, DuPage, Will County $59,850 Grundy County 62,850 For 3% of purchase price: Cook, DuPage, Will County 104,720 Grundy County 110,040 Household income limits Example – family of 4 All members 18 or older All members 18 or older Household income Up to $6000 Up to $6000 Amount of assistance FHLBC Downpayment Plus IHDA SMART MOVE As of July 1, 2011