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Urgent last plea issued for forgotten 5 months old puppy, his suffering will be end with euthanized

What to Consider When Applying For a Private Mortgage

If you are looking for information on how to get a private mortgage you have come to the right place. The right mortgage broker knows how to get a private mortgage and the process is relatively quick and easy. You may not even need a down payment in cash, and there also may not be a credit check. So your mortgage broker connects you with private lenders who are interested in issuing the "paper" on the home you are looking to buy or refinance. The word "paper" refers to mortgages that are created privately and registers at Land Titles Office (LTO). These are popular investment vehicles, because their basis is real estate rather than a stock or bond, which means that the rate of return is much more reliable and the borrower is able to obtain a loan that they may not have otherwise been able to obtain.

How to do a private mortgage

There are 4 factors that influence the marketability of a loan application: the term, the rate of interest, the ratio of loan to value (LTV) and the location.

When assembling the mortgage application, a private mortgage lender wants a short term and a generous yield and interest rate. Private Lenders generally do not want to exceed 12 months, but at times will go up to 3 years or more. In many cases, private lenders will arrange loans over 12 months with an option to renew with a good payment history. Some lenders will have renewal fees attached.

The right rate of interest combined with the right LTV, will be very appealing to a private mortgage lender; making it much easier for Mortgage Investment Corporations (MICS) to satisfy their investor partners, especially if it is a private first mortgage.

Because the ratio of the loan (LTV) is so important, an appraisal by an accredited company is crucial. Be careful when choosing a company; because some private lenders have a designated list of approved & trusted appraisers, contact a mortgage broker and discuss the details of your loan plans.

Private Lenders love to invest in larger cities compared to smaller towns, but no matter where the property is located, if the loan to value ratio isn't too high then a good broker should be able to place the mortgage loan with someone. For example, a 75% LTV in a major city is more attractive than a 75% LTV property in a rural location. The equity position may be the same, but the likelihood of selling a property in a urban center is much better simply due to the population density. Private Lenders must always consider worse case scenario because the loans provided are higher risk. Borrowers have the right intention, but things happen; so if a lender must foreclose they would prefer a property that can be sold quickly and easily.

❗๐Ÿ†˜️San Antonio TX๐Ÿ†˜️❗

Forgotten puppy will be euthanized ๐Ÿ˜ญ๐Ÿ˜ญ

Urgent last call ‼️‼️

MAX has demodex mange which is Not contagious and TREATABLE. He's only 6 months old, very sweet and friendly. He has until Monday morning or he could be killed for space. ๐Ÿ’”

๐ŸพThis DOG - ID#A506738
I am a male about 6 months old

▶️I will need confirmed adoption, foster or rescue placement by 10am on 11/11/2018.

๐ŸพTo Foster or Rescue email
๐ŸพTo Adopt email

▶️His pet harbor link below⤵️

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
San Antonio Animal Care Services
4710 State Highway 151
San Antonio, TX 78227
Phone Number: (210) 207-4PET.
Fax Number: (210) 207-6673
Ask for information about animal ID number #A506738

STATUS : - read comment for update from crossposter
Looking for housing, paying the mortgage, maintenance and bill payment can be a daunting task for low income earners especially with disability problem. The U.S. government, state agencies and nonprofit organizations offer financial assistance, guidance, counseling and other necessary support to the disables through varied grants and loan programs for the purchase of home, paying home debts, mortgages, acquiring equipment, home repairs and improvement and other such dwelling necessities. With these grants a descent living even with limited economy seems to be affordable now.

Housing Grants for the Disabled

Department of Housing and Urban Development

There are many grant funded programs offered through the Department of Housing and Urban Development (HUD) for helping individuals with disabilities. They provide help in house purchase, renting a home and also assistance in obtaining housing vouchers. The federal housing program provides financial help to moderate or low-income families in renting or purchase of a house. The main goal of this program is to make renting and purchase affordable for people with limited economy. The section 8 in the program proposes subsidies for both home owners and tenants. The Homeownership Voucher program helps the low-income disabled by providing vouchers for reducing the monthly mortgage payment or house rent.

The program can be availed by contacting the local public housing authority (PHA) and in case the PHA's don't offer ownership as an option, housing counselors can be contacted in the respective state. They are appointed by HUD and are certified to assist individuals with housing needs.

Habitat for Humanity

Habitat for Humanity is an option for disabled or low-income individuals in getting aid with down payments or mortgage payments. They can also provide other assistance such as zero-step entries, wide doorways and other needs. This is a global Christian non-profit organization that specializes in building accessible homes, through the mortgages being given through local, private, state and federal sources, volunteer work and donations. If selected by the Habitat for Humanity's family selection committee, then the organization will build the home.

The Habitat for Humanity has already built more than 250,000 houses all around the world, helping more than 1 million people spread across 3,000 communities to achieve a decent and affordable shelter. If you are also in need of a residence, apply for it today as after the initial application an average of 18 months is required for the Habitat for Humanity owners for attaining occupancy.

Home Ownership Voucher Program

Low level or moderate income disable families can now buy their shelter through the Home Ownership Voucher Program which is linked with the Department of Housing and Urban Development. Though not free of charge, this program enables in fulfilling monthly mortgage payments for the first time home buyers. The eligibility criteria for the program are:

• Applicants need to owe a home for the first time

• No family member should have had home ownership interest in the previous three years excepting displaced homemakers or single parents

• At least one member of the family must be disabled

• The annual income of the adult family members' owning the home should not be less than a single residing individual's monthly Federal Supplemental Security Income benefit multiplied by 12

• The family also needs to fulfill the housing counseling program and pre assistance homeownership of PHA

Fannie Mae Home Choice Program

Fannie Mae Community Home Choice program offers financial products and services across all states for the lower and middle-income families. It helps low-income or disabled individuals to buy a home by offering aids like smaller down payments, lenient credit evaluations and also provide them with mortgage qualification aid which has lower debt-to-income requirement.

The U.S. government has more to offer. The Fair Housing Act, Supplemental Security Income, Fair Housing Act, Americans with Disabilities Act and several other organizations also offer housing disability grants for a well secured, reasonable and humble dwelling.