Yes You Can Get FREE Money To Buy A Home With Grant Programs
Dear Michael pickens,
A lack of adequate cash for a down payment and/or closing costs doesn't mean that you absolutely can't buy a home of your own. Even if you don't qualify for a no-down-payment VA-guaranteed loan, you might qualify for a grant program that provides money for a down payment. This report provides information about nine current grant programs.
The Nehemiah Program-Provides a gift of 1% to 6% of the contract sales price to be used toward a down payment and closing costs.
Family Home Providers-Gives a gift of 3% or more of the contract sales price to be used toward a down payment and closing costs.
The Hart Program-Homebuyers can receive up to $15,000.00. The amount of the gift is based on need and is not a set percentage of the sales price. Homebuyers do not need to be first-time homebuyers to qualify for HART gift funds.
The New Life Family Housing Group, Inc.-Helps the buyer receive up to 9% of the sales price in the form of a Home Grant through the Homeownership Foundation of America to apply toward closing costs and down payment requirements.
The AmeriDream Charity, Inc.-Eligible buyers can receive up to five percent of the purchase price of a home. This gift, which does not have to be repaid, can be used for a down payment or closing costs.
Homestead Trust- The Harford Food Bank, administered through the Homestead Trust, will allow gifts up to 10% of the contract sales price of the home for a down payment and closing costs.
National Home Down Payment Gift Program- Buyers can buy a home without having a lot of their own money as down payment, buy any home anywhere, use any real estate agent they want to help them find a home, use any mortgage lender that has an eligible loan program (which is just about all lenders), and use a portion of the money to help pay for some, if not all, of the closing costs.
Neighborhood Gold- Works with The Buyers Fund, Inc., a non-profit organization, to provide grants for prospective homeowners. This money can be used for a down payment or closing costs according to FHA guidelines. Because the money is a gift, it does not have to be repaid.
The OWN Program - Provides a gift, which will be wired directly to the closing office/closing attorney in the homebuyer's name, to be used for a down payment and/or closing costs. The gift can vary from 2% to 5% of the contract sales price, depending on circumstances.
The Nehemiah Program
The Nehemiah Program, established by the Nehemiah Corporation of California, gives qualified buyers a gift, equal to between one and six percent of the cost of the home, to be used for the down payment and closing costs.
The gift does not have to be repaid, and both first-time and repeat buyers can be eligible. The gift can be used for both new and older homes. There are no income or asset limits and no geographical restrictions. The seller's contribution is equal to the buyer's gift amount plus a small processing fee.
This program was established by Don Harris, who started the program at a time when government funds for housing and affordable housing programs were decreasing nationwide. The program is now the largest privately-funded downpayment assistance program in the US. It has assisted more than 120,000 homebuyers.
The Nehemiah Program Web site, http://www.nehemiahprogram.org/, gives information about the program and even provides a mortgage calculator and an online "Homeownership Education Course". You can also get information by contacting the program offices at the following telephone numbers:
For more information, contact:
1-877-NEHEMIAH (1-877-634-3642) Fax 1-916-923-2457 dap@nehemiahprogram.org Family Home Providers, Inc.
Family Home Providers, Inc., gives gifts of 3% or more of the contract sales price of a home to the buyer as a down payment and wires the funds to the closing agent 24 hours before the closing. The buyer or the lender may then fund the homeowner's insurance policy and set up the escrow account. The seller or lender may fund the closing costs. This means that a family can move into a new home, resale home, condo, or town home, usually for less than $1000.00. There are no reserve requirements other than the regular FHA guidelines. The seller/builder must pay Family Home Providers a processing fee.
Family Home Providers, Inc. (FHP) was founded in 1994 and has helped thousands of deserving families buy a home of their own.
Family Home Providers, Inc., is a non-profit, 50(c)3 affordable-housing company. It is allowed, under the guidelines of the Federal Housing Administration (FHA), to gift the down payment funds to anyone qualifying for an FHA loan. The gift does not have to be repaid.
The Family Home Providers Web site, http://www.familyhomeproviders.org/, provides information about the program and provides mortgage calculator, homebuying tips, a list of common terms, and a list of approved lenders.
You can also get information by contacting the organization at the following address and telephone numbers:
Address:
Family Home Providers, Inc 6030 Bethelview Road Suite #202 Cumming, Georgia 30040
Phone: 770.887.4578 FAX: 770.887.7503 Toll Free: 800.704.3664 E-Mail: info@familyhomeproviders.org The Hart (Housing Action Resource Trust) Program
Housing Action Resource Trust (HART) is a 501(3) non-profit housingdevelopment organization that provides affordable housing and homeownership opportunities throughout the United States. HART is actively rehabilitating homes in revitalization areas and is developing affordable housing in many communities across the country.
Established in 1995, HART supports and creates programs such as an Equity Savings Plan, Delinquency and Foreclosure Prevention, Homeownership Education, and Pre-purchase Counseling to help consumers re-establish credit.
The HART Down Payment Assistance Program has been recognized as a successful down payment program. The HART Program provides assistance to individuals and families who lack the necessary funds for down payment and other related costs. It has helped thousands of renters across the country realize their dream of becoming a homeowners.
Homebuyers do not need to be first-time homebuyers to qualify for HART gift funds and can receive up to $15,000.00. The amount of the gift is based on the homebuyers need and is not a set percentage of the sales price. The HART gift funds can be used for a down payment, closing costs, pre-paids, and rate buydowns. There is no requirement to repay the HART gift.
The fee to use the HART program is a flat dollar amount and is not based on a percentage of the sales price like other down payment assistance programs. As of April 1, 2002, the fees were $500.00 for new homes and $650.00 for resale homes.
The loan officer submits the application to HART. After receiving the borrower's application, the HART processing department reviews and responds within 12 hours. The buyer must qualify for a primary mortgage loan that allows gift funds from a non-profit. HART gift funds are available to all prospective homebuyers seeking to purchase a home, not just first-time homebuyers. There are no income limits and no asset restrictions. HART gifts are available with any loan program- such as FHA, VA, conventional, and BCD loans- that accepts non-profit gift funds. The program is available to homebuyers nationwide.
For general information about HART contact:
Housing Action Resource Trust (HART) 8711 Monroe Court, Suite A Rancho Cucamonga, CA 91730 Phone: (888) 820-HART or (909) 945-1574 Fax: (909) 941-4012
If you would like more information regarding the HART program, please contact the Homeownership Education Department or e-mail HART at mself@hartprogram.com.
New Life Family Housing Group
The New Life Family Housing Group, Inc., helps homebuyers receive up to 9% in the form of a Home Grant through the Homeownership Foundation of America toward a down payment and closing costs. Eligible buyers must purchase a certified home with a qualified loan program. The funds are a gift and doesn't have to be repaid.
In order for buyers to receive a home grant from the Homeownership Foundation of America, they must be eligible for a qualified loan program. A qualified loan program is a single-family mortgage loan that allows a charitable organization to provide gift funds for a buyer's closing costs and down payment requirements.
A certified home is one in which a seller has entered into a CERTIFIED HOME REGISTRATION AGREEMENT. In this contract, the seller has agreed to provide a Home Warranty Policy and two-year roof certification.
Additional warranties may occasionally be necessary.
That is determined on a case-bycase basis.
In order to receive the New Life Family Certification, a processing fee of $850 (for houses under $100,000) or $975 (for houses over $100,000) is charged to the seller. The seller also agrees to make a contribution to the Homeownership Foundation of America in an amount equivalent to the amount of gift funds that have been given to the buyer.
To be eligible, the homebuyer must purchase a certified home, be approved for an eligible loan program, complete an approved Home Ownership Counseling Course.
For more information, contact:
New Life Housing Group 2111-F Laurel Bush Rd. Bel Air, MD 21015 Telephone: (888) 860-3679 ax: (410) 515-6940 E-Mail: info@newlifefamily.com
The AmeriDream Charity, Inc.
The AmeriDream Downpayment Gift Program is available to qualifying low- and moderate-income homebuyers who want to purchase either a single-family home of up to $300,700 or a multi-unit property of up to $578,150. The program provides funds- which do not have to be repaid- to be used toward a down payment and closing costs. The program is not restricted to first-time buyers. Also, homebuyers can purchase a home with 0% down and no cash out-ofpocket for closing costs; in other words, they do not need to make a cash contribution toward the home purchase. The homebuyer agrees to return any gift funds not used toward the down payment or allowable closing costs. If for some reason the purchase doesn't go through, the homebuyer must return the entire gift.
To apply for AmeriDream funds, the homebuyer must contact a lender and qualify for a loan that allows gift funds, and the homebuyer must purchase a home from a builder or seller who has enrolled his or her home in the program. The lender submits the application for the buyer to AmeriDream at least 24 hours before settlement/closing. AmeriDream then wires the funds to the settlement/closing agent on the day of settlement/closing.
There are three AmeriDream programs available: AmeriDream's Gold, Silver, and Bronze Programs. The Gold Program gives homebuyers five percent of the home's purchase price, the Silver Program gives three percent, and the Bronze Program provides two percent. For more information, contact:
The AmeriDream Charity, Inc. 18310 Montgomery Village Ave. Suite 300 Gaithersburg, MD 20879
The Harford Food Bank Down Payment Assistance Program, which is administered by the Homestead Trust, is designed to help low- and moderateincome home buyers who need money for down payment or closing costs to purchase a home. Homestead Trust has offices in Maryland, Texas and North Carolina and can efficiently process the gift request and wire transfer the "gift" to the settlement officer within 24 hours of receipt of the initial application.
Cash gifts are available to FHA homebuyers in need, regardless of prior ownership, and are targeted to low- and moderate-income families. Down payment assistance is also available to home buyers applying for a conventional loan if the loan program allows gifts from charities and also meets the Fannie Mae and Freddie Mac agency requirements.
The qualified homebuyer must purchase a home that has been enrolled by the seller in the Harford Food Bank "down payment assistance program". Generally the real estate agency or mortgage lender enrolls the seller into the program by having the seller complete a "seller enrollment form". The buyer must sign a "gift letter" from Harford Food Bank agreeing to accept the gift monies. The mortgage lender must complete a "buyer gift application" which details the information about the participants and property involved in the transaction. Once these three documents are completed, this "packet" of information is forwarded to Homestead Trust, the administrative arm of Harford Food Bank, for processing.
Homestead Trust then reviews and verifies that the information is in order before sending a wire transfer of the down payment "gift" monies to the settlement officer.
Harford Food Bank will allow gifts up to 10% of the contract sales price of the home for down payment and closing costs. Cash gifts are available to FHA home buyers in need, regardless of prior home ownership, and are targeted to low- and moderate-income families. The gift may be used for down payment, closing costs, and/or pre-paids. Applications may be submitted up to 24 hours prior to settlement and approval takes less than 2 hours. Harford Food Bank requires that the seller replenish the "gift fund" by making a contribution in an amount equal to the charitable gift plus a service fee.
All forms are available through Homestead Trust. Their toll-free number is (877) 550-7005, or the forms can be downloaded from their Web site at http://www.homesteadtrust.org under Applications and Forms.
If you have any questions or need more information, you can e-mail the Homestead Trust at info@homesteadtrust.org or contact them at the following address and telephone numbers:
HOMESTEAD TRUST 3450 Ellicott Center Drive Ellicott City, MD 21043
Phone: (410) 480-1967 Fax: (410) 480-4375 Toll Free: (877) 550-7005 National Home Down Payment Gift Program
The National Home Down Payment Gift Program provides financial assistance to individuals and families who want to buy a home but just can't seem to save for the down payment. The financial assistance is a gift and, therefore, does not have to be repaid.
The buyer applies for the funds through a National Home Gift Reservation Certificate and gives it to the lender or real estate agent.
With the Gift Funds Reservation Certificate, buyers can buy a home without using any of their own money as down payment, buy any home anywhere, use any Real Estate Agent they want to help them find a home, use any mortgage lender that has an eligible loan program (which is just about all lenders), and use a portion of the money to help pay for some, if not all, of the closing costs.
To receive gift-funds, homebuyers must be able to qualify for a mortgage loan that allows alternate sources of down payment and purchase a property where the sellers agree to enroll their home with National Home.
The homebuyers do not have to be first-time buyers, but the property must be purchased as their primary residence.
For more information, go to the National Home Web site, http://www.nationalhome.org, or contact them at the following address and telephone numbers:
National Home 6720 Fair Oaks Blvd. Suite 205 Carmichael, CA 95608
The Neighborhood Gold Down Payment Assistance Program has helped thousands of families all over the country move into a home with no money down. Neighborhood Gold works with The Buyers Fund, Inc., a non-profit organization, to provide grants for prospective homeowners. This money comes from an existing pool of funds and can be used for a down payment or closing costs per FHA guidelines. Because the money is a gift, it does not have to be repaid. The Neighborhood Gold Down payment Assistance Program is compatible with conventional and sub-prime loans. Plus, the homebuyer can get exclusive Mortgage Payment Protection at no cost. This insurance covers the first 12 months of the loan and can pay up to six, full, monthly mortgage payments.
There are no income limits for the potential homebuyer. If a buyer is approved for a loan, he or she can receive the grant funds, regardless of income level. There is also no maximum grant amount allowed. The only limit is the appraised value of the home. If buyers are trying to obtain a larger grant, they may need to find a distressed home in order to give the seller sufficient room to pay the service fee. If the grant amount is above $10,000, the fee is 10 percent of the grant amount plus the grant. For example, in the case of a $15,000 grant, the service fee is $1,500 + $15,000 = $16,500.
The funds from the Neighborhood Gold program can be used to purchase any property, including condos, apartments, duplexes, and single-family homes.
Neighborhood Gold has provided down payment grants in 39 states. They can work with lenders, Realtors, sellers, and home buyers in all locations in the United States. The loan officer completes the application and submits it to The Buyer's Fund, Inc., for approval. Once approved, a gift letter confirming approval of the funds is sent from The Buyer's Fund, Inc., to the lender. The only fee involved is a service fee paid by the seller. This fee is the grant amount (which can be anywhere from 3-10 percent of the sales price), plus 1 percent or $1,000, whichever is reached first.
Neighborhood Gold has a list of lenders across the country that accept their program on FHA, Conventional, and Sub-Prime financing. You can call (888) 627-3023 to speak with their Investor Relations Manager to confirm that your lender is on that list. If you are already working with an investor that is not on that list, they can often work with your investor to secure approval for you to participate in the program.
You can also contact Neighborhood Gold by telephone at (888) 627-3023, by fax at (888) 627-3025, or by regular mail at the following address:
If the program requirements have been met, the OWN Program will provide a gift, which will be wired directly to the closing office/closing attorney in the homebuyer's name. The homebuyer may select the gift amount that most suits his or her needs:
2% of the contract sales price
3% of the contract sales price
5% of the contract sales price (optional in designated high closing costs states)
The gift will then be applied to the required investment (down payment/closing costs). The OWN Program is not restricted to first time buyers and there are no income limits, geographic restrictions, or asset restrictions. The OWN Program has a different approach to down payment assistance. Their program is designed to cover only the cost of administration and marketing. Therefore, they are able to offer the lowest possible service fee. The service fee for any transaction is the amount of the gift plus $300 (New or Resale) regardless of the contract sales price.
Any unused gift funds must be used to reduce the principal balance of the loan and MAY NOT be given to the homebuyer(s). The OWN Program does not place any restrictions on the return of the homebuyer's cash investment (earnest money deposit, pre-paids, etc.).
To qualify for a gift, the homebuyer must purchase a home from a builder/seller who has agreed to participate in The OWN Program. The homebuyer must have 1% of the contract sales price either invested in the transaction or in cash reserves. Acceptable sources of these funds are set forth in the HUD Handbook 4155.1. The homebuyer must also complete The OWN Program Home Ownership Education Course or any lender-approved Homebuyer Education and must qualify for a loan program that accepts gift funds for down payment.
For additional information on The Own Program, you can call their Help Line at (866) OWN-PRGM (696-7746) or (727) 392-6676, or you can e-mail them at help@ownprogram.org.
I hope you have enjoyed this special report. We currently have over 40 creative loan programs to fit your needs. Please contact us at 828-456-7692 to set up your FREE No-Obligation consultation where we will meet to tailor a program to fit your needs and comfort levels for monthly payment and investment.
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OUR STORE http://heavensmanna.fscstore.com/
WynnDcorp Mission Statement
WynnDcorp Mission Statement
WynnDcorp is a small, closely held family owned corporation formed upon the principles set forth in the Holy Word of God’s scripture, "The Holy Bible”.
We believe that the standards established by God when He inspired men to write His word is as relevant today as when it was scribed. We make every effort to honor His laws and standards in our every day practice by word and deed. We make every effort to live our lives as He leads, and conduct business in the market place according to His standards.
We serve both Buyers and Sellers with nothing less then the highest of moral standards, honesty and ethics. We Believe God’s word and that states “He establishes Governments”. Therefore we strive to adhere to man’s laws as long as they do not conflict with God’s laws.
We strive to attend Sellers and Buyers needs with the highest degree of honesty, ethics and professional service.
David F. Wynn
http://www.wynndcorprealty.com
Diana Wynn Milner - Secretary
Angelica Wynn - Accounting
Anna Curvin - Broker, Broker Associate
Trudy Wynn Jaynes - Buyer's Property Research
Cheryl Wynn Kirk - Director of Advertising
David and Angelica Wynn, Owners
Welcome to WynnDcorp. We are a full service Real Estate brokerage (except rentals) from Maggie Valley, Haywood County in Western North Carolina, just minutes away from the Smoky Mountain National Park and Asheville.
BUYER REPRESENTATION - Brokers & Realtors represent the seller unless a "Buyers Broker" agency agreement is entered into between the Broker and Buyer. We offer Buyer representation / Buyers Broker services. Contact us for additional information.
http://www.wynndcorprealty.com
We offer a variety of Smoky Mountain Real Estate listings, AND BEYOND - INTERNATIONALLY and as IDX - MLS (Multiple Listing Service) members we can help our buyer's with any Real Estate property or business on the market and some that aren't. We also service relocation companies and their clients.
We are Global Real Estate & Business Brokers in multiple states, either through direct licensing, reciprocal licensing, or referral. David Wynn's specialities include but are not limited to Income, Commercial (Resort, Retreat, Hotel, Spa Resorts) and land tract property. And Buyer's Broker Representative (ABR).
REBAC reports “More than 1 million people in The USA are licensed to sell real estate. Of those licensees, fewer that 2 percent are Accredited Buyer Representatives (ABR)”. Contact David Wynn, RRS, RECS, CPS, ABR, & 20 + yrs experience in real estate, for professional, personalized Buyers Broker services.
http://www.wynndcorprealty.com
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FHA Cash Down Payment Grants!!!!!!!!!!!!!
http://www.fha.com/fha_programs.cfm
Down payment assistance and community redevelopment programs offer affordable housing opportunities to first-time homebuyers, low-income and moderate-income individuals and families who wish to achieve homeownership.
Ameridream
The AmeriDream program offers gift funds up to 10% of the home's purchase price which do not have to be paid back. Buyers must agree however, to return any funds that are not used toward down payments or closing costs and to return the funds if the sale of the home does not close on the scheduled closing date.
[ -more on Ameridream Program- ]
Nehemiah
The Nehemiah Program has helped over a quarter of a million Americans purchase homes. Unlike some down payment assistance programs, Nehemiah offers down payment help to anyone who qualifies for an approved FHA loan. Buyers can get up to 6% of the final contract sales price for down payment and/or closing costs.
[ -more on Nehemiah Program- ]
American Family Funds
American Family Funds (AFF) administers The Dove Foundation, a non-profit charity offering down payment and/or closing cost assistance to qualified American home buyers. Once you are pre-qualified for the FHA loan and find a property you want to buy, notify your loan officer, who will apply for the AFF down payment assistance on your behalf.
[ -more on American Family Funds Program- ]
Family Home Providers
Family Home Providers is a non-profit affordable housing company offering down payment assistance to any family with steady employment and good credit. Under the Family Home Providers plan, those with an FHA loan are eligible for 3% of the final contract price of the home purchased with the FHA approved loan.
[ -more on Family Home Providers Program- ]
Futures Home Assistance
Futures Home Assistance is a non-profit charity group offering a free down payment gift up to 6% of the closing costs of a home purchased with an FHA loan. The mission statement of Futures Home Assistance includes the belief that people who dream of owning a home should not be hindered because of a lack of down payment funds.
[ -more on Futures Home Assistance Program- ]
Grant America
The Genesis Program, also known as Grant America, is a non-profit down payment assistance program. It is operated by the Penobscot Indian Tribal Nation and is HUD-approved to offer up to $34,000 in assistance, even to those living outside tribal jurisdiction.
[ -more on Genesis Program- ]
Housing Action Resource Trust
The Housing Action Resource Trust or HART program is a non-profit housing organization offering help to home buyers who qualify for FHA "first mortgage" loans. A first mortgage does not mean "first-time home buyers only," but rather those who are getting the initial mortgage and not applying for a second mortgage or home equity loan.
[ -more on HART Program- ]
Newsong
Newsong provides a down payment assistance program for residential and commercial properties. This program offers a one-time gift for all closing costs, and there are no income requirements or limits on who can participate. Anyone who qualifies for an FHA loan can apply to receive down payment help from Newsong.
[ -more on Newsong Program- ]
Partners In Charity
Partners In Charity (PIC) is a non-profit group offering down payment assistance on properties such as single-family homes, condominiums, and multi-unit properties. Assistance is also available for rehabilitation programs. Partners In Charity funds are offered to those who qualify for FHA loans or are pre-approved for FHA loan amounts.
[ -more on PIC Program- ]
Responsible Home Ownership
The Responsible Home Ownership program is run by a non-profit organization called Community Housing and Development Corporation. This program offers down payment assistance to low-income individuals who have steady income and good credit. Check with your loan officer if you have specific questions about your participation in this program using an FHA home home loan.
[ -more on Responsible Home Ownership Program- ]
Quickdown
Quickdown is a program that works with non-profit agencies to provide down payment assistance. Home buyers who benefit from Quickdown are those who qualify for approved or pre-approved FHA home loans. This program is designed for those who want to buy a home but are "cash challenged" and can't afford the down payment.
[ -more on Quickdown Program- ]
"Clothing is needed more than anything at this time!
Please send or bring in bags, Boxes of winter clothing and summer clothing for next year too!
"Bulk Clothing accepted in Gaylord Boxes or Bales!!!
Unsorted is fine!
Mailing Address:
heavens Manna
62 CHICKADEE RD.
WAYNESVILLE,NC
28785
************
Yes You Can Get FREE Money To Buy A Home With Grant Programs
http://northcarolinamortgagesite.com/grant-programs.htm?Id=87176
**********************************************
A lack of adequate cash for a down payment and/or closing costs doesn't mean that you absolutely can't buy a home of your own. Even if you don't qualify for a no-down-payment VA-guaranteed loan, you might qualify for a grant program that provides money for a down payment. This report provides information about nine current grant programs.
* The Nehemiah Program-Provides a gift of 1% to 6% of the contract sales price to be used toward a down payment and closing costs.
* Family Home Providers-Gives a gift of 3% or more of the contract sales price to be used toward a down payment and closing costs.
* The Hart Program-Homebuyers can receive up to $15,000.00. The amount of the gift is based on need and is not a set percentage of the sales price. Homebuyers do not need to be first-time homebuyers to qualify for HART gift funds.
* The New Life Family Housing Group, Inc.-Helps the buyer receive up to 9% of the sales price in the form of a Home Grant through the Homeownership Foundation of America to apply toward closing costs and down payment requirements.
* The AmeriDream Charity, Inc.-Eligible buyers can receive up to five percent of the purchase price of a home. This gift, which does not have to be repaid, can be used for a down payment or closing costs.
* Homestead Trust- The Harford Food Bank, administered through the Homestead Trust, will allow gifts up to 10% of the contract sales price of the home for a down payment and closing costs.
* National Home Down Payment Gift Program- Buyers can buy a home without having a lot of their own money as down payment, buy any home anywhere, use any real estate agent they want to help them find a home, use any mortgage lender that has an eligible loan program (which is just about all lenders), and use a portion of the money to help pay for some, if not all, of the closing costs.
* Neighborhood Gold- Works with The Buyers Fund, Inc., a non-profit organization, to provide grants for prospective homeowners. This money can be used for a down payment or closing costs according to FHA guidelines. Because the money is a gift, it does not have to be repaid.
* The OWN Program - Provides a gift, which will be wired directly to the closing office/closing attorney in the homebuyer's name, to be used for a down payment and/or closing costs. The gift can vary from 2% to 5% of the contract sales price, depending on circumstances.
The Nehemiah Program
The Nehemiah Program, established by the Nehemiah Corporation of California, gives qualified buyers a gift, equal to between one and six percent of the cost of the home, to be used for the down payment and closing costs.
The gift does not have to be repaid, and both first-time and repeat buyers can be eligible. The gift can be used for both new and older homes. There are no income or asset limits and no geographical restrictions. The seller's contribution is equal to the buyer's gift amount plus a small processing fee.
This program was established by Don Harris, who started the program at a time when government funds for housing and affordable housing programs were decreasing nationwide. The program is now the largest privately-funded downpayment assistance program in the US. It has assisted more than 120,000 homebuyers.
The Nehemiah Program Web site, http://www.nehemiahprogram.org/, gives information about the program and even provides a mortgage calculator and an online "Homeownership Education Course". You can also get information by contacting the program offices at the following telephone numbers:
For more information, contact:
1-877-NEHEMIAH (1-877-634-3642)
Fax 1-916-923-2457
dap@nehemiahprogram.org
Family Home Providers, Inc.
Family Home Providers, Inc., gives gifts of 3% or more of the contract sales price of a home to the buyer as a down payment and wires the funds to the closing agent 24 hours before the closing. The buyer or the lender may then fund the homeowner's insurance policy and set up the escrow account. The seller or lender may fund the closing costs. This means that a family can move into a new home, resale home, condo, or town home, usually for less than $1000.00. There are no reserve requirements other than the regular FHA guidelines. The seller/builder must pay Family Home Providers a processing fee.
Family Home Providers, Inc. (FHP) was founded in 1994 and has helped thousands of deserving families buy a home of their own.
Family Home Providers, Inc., is a non-profit, 50(c)3 affordable-housing company. It is allowed, under the guidelines of the Federal Housing Administration (FHA), to gift the down payment funds to anyone qualifying for an FHA loan. The gift does not have to be repaid.
The Family Home Providers Web site, http://www.familyhomeproviders.org/, provides information about the program and provides mortgage calculator, homebuying tips, a list of common terms, and a list of approved lenders.
You can also get information by contacting the organization at the following address and telephone numbers:
Address:
Family Home Providers, Inc
6030 Bethelview Road
Suite #202
Cumming, Georgia 30040
Phone: 770.887.4578
FAX: 770.887.7503
Toll Free: 800.704.3664
E-Mail: info@familyhomeproviders.org
The Hart (Housing Action Resource Trust) Program
Housing Action Resource Trust (HART) is a 501(3) non-profit housingdevelopment organization that provides affordable housing and homeownership opportunities throughout the United States. HART is actively rehabilitating homes in revitalization areas and is developing affordable housing in many communities across the country.
Established in 1995, HART supports and creates programs such as an Equity Savings Plan, Delinquency and Foreclosure Prevention, Homeownership Education, and Pre-purchase Counseling to help consumers re-establish credit.
The HART Down Payment Assistance Program has been recognized as a successful down payment program. The HART Program provides assistance to individuals and families who lack the necessary funds for down payment and other related costs. It has helped thousands of renters across the country realize their dream of becoming a homeowners.
Homebuyers do not need to be first-time homebuyers to qualify for HART gift funds and can receive up to $15,000.00. The amount of the gift is based on the homebuyers need and is not a set percentage of the sales price. The HART gift funds can be used for a down payment, closing costs, pre-paids, and rate buydowns. There is no requirement to repay the HART gift.
The fee to use the HART program is a flat dollar amount and is not based on a percentage of the sales price like other down payment assistance programs. As of April 1, 2002, the fees were $500.00 for new homes and $650.00 for resale homes.
The loan officer submits the application to HART. After receiving the borrower's application, the HART processing department reviews and responds within 12 hours. The buyer must qualify for a primary mortgage loan that allows gift funds from a non-profit. HART gift funds are available to all prospective homebuyers seeking to purchase a home, not just first-time homebuyers. There are no income limits and no asset restrictions. HART gifts are available with any loan program- such as FHA, VA, conventional, and BCD loans- that accepts non-profit gift funds. The program is available to homebuyers nationwide.
For general information about HART contact:
Housing Action Resource Trust (HART)
8711 Monroe Court, Suite A
Rancho Cucamonga, CA 91730
Phone: (888) 820-HART or (909) 945-1574
Fax: (909) 941-4012
If you would like more information regarding the HART program, please contact the Homeownership Education Department or e-mail HART at mself@hartprogram.com.
New Life Family Housing Group
The New Life Family Housing Group, Inc., helps homebuyers receive up to 9% in the form of a Home Grant through the Homeownership Foundation of America toward a down payment and closing costs. Eligible buyers must purchase a certified home with a qualified loan program. The funds are a gift and doesn't have to be repaid.
In order for buyers to receive a home grant from the Homeownership Foundation of America, they must be eligible for a qualified loan program. A qualified loan program is a single-family mortgage loan that allows a charitable organization to provide gift funds for a buyer's closing costs and down payment requirements.
A certified home is one in which a seller has entered into a CERTIFIED HOME REGISTRATION AGREEMENT. In this contract, the seller has agreed to provide a Home Warranty Policy and two-year roof certification.
Additional warranties may occasionally be necessary.
That is determined on a case-bycase basis.
In order to receive the New Life Family Certification, a processing fee of $850 (for houses under $100,000) or $975 (for houses over $100,000) is charged to the seller. The seller also agrees to make a contribution to the Homeownership Foundation of America in an amount equivalent to the amount of gift funds that have been given to the buyer.
To be eligible, the homebuyer must purchase a certified home, be approved for an eligible loan program, complete an approved Home Ownership Counseling Course.
For more information, contact:
New Life Housing Group
2111-F Laurel Bush Rd.
Bel Air, MD 21015
Telephone: (888) 860-3679
ax: (410) 515-6940
E-Mail: info@newlifefamily.com
The AmeriDream Charity, Inc.
The AmeriDream Downpayment Gift Program is available to qualifying low- and moderate-income homebuyers who want to purchase either a single-family home of up to $300,700 or a multi-unit property of up to $578,150. The program provides funds- which do not have to be repaid- to be used toward a down payment and closing costs. The program is not restricted to first-time buyers. Also, homebuyers can purchase a home with 0% down and no cash out-ofpocket for closing costs; in other words, they do not need to make a cash contribution toward the home purchase. The homebuyer agrees to return any gift funds not used toward the down payment or allowable closing costs. If for some reason the purchase doesn't go through, the homebuyer must return the entire gift.
To apply for AmeriDream funds, the homebuyer must contact a lender and qualify for a loan that allows gift funds, and the homebuyer must purchase a home from a builder or seller who has enrolled his or her home in the program. The lender submits the application for the buyer to AmeriDream at least 24 hours before settlement/closing. AmeriDream then wires the funds to the settlement/closing agent on the day of settlement/closing.
There are three AmeriDream programs available: AmeriDream's Gold, Silver, and Bronze Programs. The Gold Program gives homebuyers five percent of the home's purchase price, the Silver Program gives three percent, and the Bronze Program provides two percent.
For more information, contact:
The AmeriDream Charity, Inc.
18310 Montgomery Village Ave.
Suite 300
Gaithersburg, MD 20879
Toll Free Phone Number: 866-263-7437 (1-866-AMERIDREAM)
Local Phone Number: 301-977-9133
Fax Number: 301-977-9713
E-mail: info@ameridream.org
Homestead Trust
The Harford Food Bank Down Payment Assistance Program, which is administered by the Homestead Trust, is designed to help low- and moderateincome home buyers who need money for down payment or closing costs to purchase a home. Homestead Trust has offices in Maryland, Texas and North Carolina and can efficiently process the gift request and wire transfer the "gift" to the settlement officer within 24 hours of receipt of the initial application.
Cash gifts are available to FHA homebuyers in need, regardless of prior ownership, and are targeted to low- and moderate-income families. Down payment assistance is also available to home buyers applying for a conventional loan if the loan program allows gifts from charities and also meets the Fannie Mae and Freddie Mac agency requirements.
The qualified homebuyer must purchase a home that has been enrolled by the seller in the Harford Food Bank "down payment assistance program". Generally the real estate agency or mortgage lender enrolls the seller into the program by having the seller complete a "seller enrollment form". The buyer must sign a "gift letter" from Harford Food Bank agreeing to accept the gift monies. The mortgage lender must complete a "buyer gift application" which details the information about the participants and property involved in the transaction. Once these three documents are completed, this "packet" of information is forwarded to Homestead Trust, the administrative arm of Harford Food Bank, for processing.
Homestead Trust then reviews and verifies that the information is in order before sending a wire transfer of the down payment "gift" monies to the settlement officer.
Harford Food Bank will allow gifts up to 10% of the contract sales price of the home for down payment and closing costs. Cash gifts are available to FHA home buyers in need, regardless of prior home ownership, and are targeted to low- and moderate-income families. The gift may be used for down payment, closing costs, and/or pre-paids. Applications may be submitted up to 24 hours prior to settlement and approval takes less than 2 hours. Harford Food Bank requires that the seller replenish the "gift fund" by making a contribution in an amount equal to the charitable gift plus a service fee.
All forms are available through Homestead Trust. Their toll-free number is (877) 550-7005, or the forms can be downloaded from their Web site at http://www.homesteadtrust.org under Applications and Forms.
If you have any questions or need more information, you can e-mail the Homestead Trust at info@homesteadtrust.org or contact them at the following address and telephone numbers:
HOMESTEAD TRUST
3450 Ellicott Center Drive
Ellicott City, MD 21043
Phone: (410) 480-1967 Fax: (410) 480-4375
Toll Free: (877) 550-7005
National Home Down Payment Gift Program
The National Home Down Payment Gift Program provides financial assistance to individuals and families who want to buy a home but just can't seem to save for the down payment. The financial assistance is a gift and, therefore, does not have to be repaid.
The buyer applies for the funds through a National Home Gift Reservation Certificate and gives it to the lender or real estate agent.
With the Gift Funds Reservation Certificate, buyers can buy a home without using any of their own money as down payment, buy any home anywhere, use any Real Estate Agent they want to help them find a home, use any mortgage lender that has an eligible loan program (which is just about all lenders), and use a portion of the money to help pay for some, if not all, of the closing costs.
To receive gift-funds, homebuyers must be able to qualify for a mortgage loan that allows alternate sources of down payment and purchase a property where the sellers agree to enroll their home with National Home.
The homebuyers do not have to be first-time buyers, but the property must be purchased as their primary residence.
For more information, go to the National Home Web site, http://www.nationalhome.org, or contact them at the following address and telephone numbers:
National Home
6720 Fair Oaks Blvd.
Suite 205
Carmichael, CA 95608
Phone: (916) 485-4235
Toll-Free: (888) 487-4663
Fax: (916) 485-4672
E-mail Sales and Marketing: sales@nationalhome.org
E-mail Administration: admin@nationalhome.org
Neighborhood Gold
The Neighborhood Gold Down Payment Assistance Program has helped thousands of families all over the country move into a home with no money down. Neighborhood Gold works with The Buyers Fund, Inc., a non-profit organization, to provide grants for prospective homeowners. This money comes from an existing pool of funds and can be used for a down payment or closing costs per FHA guidelines. Because the money is a gift, it does not have to be repaid. The Neighborhood Gold Down payment Assistance Program is compatible with conventional and sub-prime loans. Plus, the homebuyer can get exclusive Mortgage Payment Protection at no cost. This insurance covers the first 12 months of the loan and can pay up to six, full, monthly mortgage payments.
There are no income limits for the potential homebuyer. If a buyer is approved for a loan, he or she can receive the grant funds, regardless of income level. There is also no maximum grant amount allowed. The only limit is the appraised value of the home. If buyers are trying to obtain a larger grant, they may need to find a distressed home in order to give the seller sufficient room to pay the service fee. If the grant amount is above $10,000, the fee is 10 percent of the grant amount plus the grant. For example, in the case of a $15,000 grant, the service fee is $1,500 + $15,000 = $16,500.
The funds from the Neighborhood Gold program can be used to purchase any property, including condos, apartments, duplexes, and single-family homes.
Neighborhood Gold has provided down payment grants in 39 states. They can work with lenders, Realtors, sellers, and home buyers in all locations in the United States. The loan officer completes the application and submits it to The Buyer's Fund, Inc., for approval. Once approved, a gift letter confirming approval of the funds is sent from The Buyer's Fund, Inc., to the lender. The only fee involved is a service fee paid by the seller. This fee is the grant amount (which can be anywhere from 3-10 percent of the sales price), plus 1 percent or $1,000, whichever is reached first.
Neighborhood Gold has a list of lenders across the country that accept their program on FHA, Conventional, and Sub-Prime financing. You can call (888) 627-3023 to speak with their Investor Relations Manager to confirm that your lender is on that list. If you are already working with an investor that is not on that list, they can often work with your investor to secure approval for you to participate in the program.
You can also contact Neighborhood Gold by telephone at (888) 627-3023, by fax at (888) 627-3025, or by regular mail at the following address:
313 East University Parkway Orem, UT 84058
Or you can visit their Web site at http://www.thebuyersfund.com The Own Program
If the program requirements have been met, the OWN Program will provide a gift, which will be wired directly to the closing office/closing attorney in the homebuyer's name. The homebuyer may select the gift amount that most suits his or her needs:
* 2% of the contract sales price
* 3% of the contract sales price
* 5% of the contract sales price (optional in designated high closing costs states)
The gift will then be applied to the required investment (down payment/closing costs). The OWN Program is not restricted to first time buyers and there are no income limits, geographic restrictions, or asset restrictions. The OWN Program has a different approach to down payment assistance. Their program is designed to cover only the cost of administration and marketing. Therefore, they are able to offer the lowest possible service fee. The service fee for any transaction is the amount of the gift plus $300 (New or Resale) regardless of the contract sales price.
Any unused gift funds must be used to reduce the principal balance of the loan and MAY NOT be given to the homebuyer(s). The OWN Program does not place any restrictions on the return of the homebuyer's cash investment (earnest money deposit, pre-paids, etc.).
To qualify for a gift, the homebuyer must purchase a home from a builder/seller who has agreed to participate in The OWN Program. The homebuyer must have 1% of the contract sales price either invested in the transaction or in cash reserves. Acceptable sources of these funds are set forth in the HUD Handbook 4155.1. The homebuyer must also complete The OWN Program Home Ownership Education Course or any lender-approved Homebuyer Education and must qualify for a loan program that accepts gift funds for down payment.
You can visit The OWN Program Web site at http://www.ownprogram.com.
For additional information on The Own Program,
you can call their Help Line at (866) OWN-PRGM (696-7746) or (727) 392-6676, or you can e-mail them at help@ownprogram.org.
I hope you have enjoyed this special report. We currently have over 40 creative loan programs to fit your needs. Please contact us at 828-456-7692 to set up your FREE No-Obligation consultation where we will meet to tailor a program to fit your needs and comfort levels for monthly payment and investment.
Sincerely,
Julie Coombs
Stockton Turner LLC
52 Walnut Street
Waynesville, North Carolina 28786
Phone: 828-456-7692
Fax: 828-456-7694
P.S. If you would like to get started now please click the following link or image below to fill out a Free No-Obligation Secure Online Application and we will contact you to schedule a free consultation to help you get the home of your dreams with the best terms available...regardless of your credit!
http://northcarolinamortgagesite.com/grant-programs.htm?Id=87176
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Here is a Letter from Someone "Bryant" & "JIM" wnting to help in Clothing Loads!:
In referance to a email one of your friend sent us about Loads of clothing you And/or others have,,,
:WE CAN USE THE LOADS NOT NEEDED!!!! Please let us know about the loads still setting around the areas of "Katrina"
Here is his response about you.,,,
Ah...Tami,Tami,Tami: I have received your request with great interest. We
are approximately 893.6 miles away from you in Kitchener,Ontario,CANADA. I
am going to be of little help to you. However, as I type this out to you and
think at the same time( Yes I can walk and chew gum at the same time) A
thought has come to me. I was talking to a guy in Detroit the other day who
MAY be able to help you. Are you church affiliated? When Katrina hit New
Orleans people sent all kinds of donations to the area. It seems that there
are still trucks sitting down there waiting to get stuff unloaded. (I'm in
the trucking business and as well, our church sent a team down into the
area) Well this guy, He calls himself my Jewish Uncle), tells me that there
are trailer loads of clothing sitting down there still waiting to find a
home. My friend is apparently going down there to see about buying some of
it. You can email him at marianharv@aol.com, perhaps Jon can help you out.
Best of luck and God Bless
Bryant
Here is what we sent him about getting used clothing,,,: :
To Whom it may concern,
Hello,My name is Tami.
We have started a used clothing,toys,wintercoats,mixed clothing,used smallapliances,childrens clothing,winter,summer,MIXED CLOTHING,cars even! Mission called *"Heavens Manna for the needy"*. :'(
WE HAVE ROOM TO STORE IT!!
Website: http://www.ourchurch.com/member/h/HeavensMana/ How can we receive Donated clothing from companies like yours that is /Low cost / free of charge in order to HELP.
Our area "Bethany Missouri" literally has* NO used clothing help for needy families!!!
None! *
There is no Salvation Army,Goodwill,Ect.... within 100 miles of here! :'(
*Our area is FULL of Families that need clothing here! *
They cannot afford to drive 90 - 100 miles to get help.
We do not have funds to buy used clothing yet,Yet there is such a need, *We are going to HELP these people by opening a House full of used clothing Somehow!?*
*We already have someone who is Donating the location to us.
We already have someone who will bring Cars for the needy!!!* :-)
So we have things Started and beginning to network with some to help these families get on their feet! :-)
We ourselves Know how this can happen!
My husband is Disabled now and we lost everything! *I never would have thought a Family could lose everything due to health, They CAN! *
There are Many reasons Families end up in need(We have 1st hand Experience!). :'(
So, Please do not file 13 this email,Please let us know if you could ship some and or others you may know that can ship used clothing, used toys, used shoes, belts,baby items ect... :-) :-) :-)
My husband has a real burden to help others as well as I do.
*We will accept anything that will help Even if it all needs cleaned or separated ect...
Even Churches in our area do not care enough about these people!! :-( * :-(
So , We guess all can do is this!!! *Someone needs to*, So please let us know.
_*Thank you For your time in reading this!
*_*Please Help us Give Hope to others Here in our own backyard US of A*. :-)
http://www.ourchurch.com/member/h/HeavensMana/
*Thank you in advance! *
May God Bless you!
Phil: 3:4-6 !!
Tami & Dave
*"Heavens Manna" *
Shipping address:
403 Vine Street
Ridgeway, MO. 64481
*Note:Please forward this to Anyone that can help us with this need.* :-)
Jim,
***Please let us know about the loads still setting around the areas of "Katrina",... WE WILL HONOR THE LORD WITH THESE!!! "WE WOULD HONOR YOU WITH A PLAQUE! InYOUR HONOR!" And put your story on our website!
I Do Not Know Bryant or you, yet God Does!, You please do what your heart tells you
"THERE IS NO GREATER GIFT....THAN ONE THAT HELPS OTHERS!"
May God Bless YOU & YOURS!
Tami or Dave Pickens
"Heavens Manna"
Phone: **********
Fax **********
Our website: http://www.ourchurch.com/member/h/HeavensMana/
OUR MAILING ADDRESS:
Heavens Manna
PO BOX 152
Ridgeway, MO.
64481
10/19/05 Helping Kids Learn to Pray
Six ways to help your young one communicate with the Divine.
In these times of uncertainty and tragedy, children can feel great anguish and despair. Quite aside from the usual trouble at school or fallouts with their friends, they hear all too frequently that a terrorist has just killed hundreds, or a hurricane has flooded thousands out of their homes. Of course some can pour their hearts out to their parents, grandparents, or teachers, but others can’t. They may appear to tune it all out, but inevitably the power of their feelings overwhelms them. I’ve found with my own child that helping him learn to pray was the most precious gift I could ever give him. When kids learn to pray, they can channel these powerful feelings into a greater universe of hope, easing their tensions and enabling them feel a larger presence that comforts and watches over them. Your children may already know how to pray, but may be shy or embarrassed about applying prayer to everyday situations. Here are some suggestions on how to get them more comfortable with prayer, no matter what your faith.
1. Validate Your Child’s Intuition
Every child—even the most rebellious teen—has an innate sense of some unseen presence greater than themselves. All you have to do is to validate this intuition of a warm and comforting presence that lives very near them, maybe even inside them. To begin, encourage them in the privacy of their own heart just to let go and pour out their pent-up feelings and thoughts to this unseen, healing presence. Encourage them to communicate to the Divine just a little every day. It doesn’t have to be more than a few sentences, like, “Hi, I’m Stephen. Things aren’t going well. I’m very sad. Please hold me and help me fall asleep.” This way, they know they don’t have to be in a formal setting in a church, mosque or temple to pray. They can pray in their room, outside, as they walk or take a break in their homework—in fact, anywhere at all.
2. Use Established Prayers
To begin to develop to this precious skill, it helps to learn passages like the Lord’s Prayer, the 23rd Psalm, or the Native American “Let Me Walk in Beauty.” Kids don’t always feel they have the right to address their little concerns to the greatest power in the universe, and they need to warm up to it. Such passages can show how other people, like Jesus, King David, and the mother Mary, opened their feelings up to God. So choose a passage that pulsates with feelings directed toward the Supreme. Or help your child choose a word like “Om” or “Jesus,” and tell them to repeat it when they feel scared or overwhelmed. It’s just one, power-packed word, no problem to remember. My boy chose such a word when he was very young, and he repeated it whenever he was anxious. At one of those times, when he was batting cleanup in the Little League city championships, he said it silently before his at bat. When he came to the plate, he smashed a double and drove in the winning run!
3. Help Them Reach for Their Own Words
Your kids may still feel they need help communicating their feelings to the Supreme. Tell them that, whenever they feel hurt, sad, alone, or helpless, whenever life seems mean and cruel, they can just plead, “Oh God, everything is so awful, just help me!” Then, show them how to turn the feelings around into a request. Say, for instance, your child has been mercilessly teased by a classmate and comes home in tears. Ask them, “If you don’t like feeling like this, what would you like?” Tell them the Divine can heal all hurts and wounds and, in fact, is capable of anything. Then, suggest that they pray not just for themselves, but also for the person who has injured them—that they may realize their hurtfulness and become a better person. In this way, prayer will reach into and energize the deeper reaches of your child’s being and plug them into a greater power at work in the universe.
4. Let Them Feel the Benefits
Prayer can also be offered when your child is doing fine, but a friend, classmate, or relative has a serious illness or injury. Whether the outcome is the one they prayed for or not, I would echo the words of my meditation teacher. When he was despairing about whether his prayers might actually help those he prayed for, she said, “Not only will your prayers will help them, they will also help you.” When your kids pray that people and animals in need can have good homes and plenty to eat, help them also to understand that offering such prayer will also make them stronger and more secure people.
5. Talk About Prayer at Home
Remember that anything as different from daily life as prayer—a plea for something barely possible addressed to someone your kids can’t see—might make them feel self-conscious. The solution to this problem is to take the secrecy out of it. Start talking about prayer with enthusiasm as you talk about other interests. This is not to say you should push or overpromote it; that will surely send them in the opposite direction. But there is nothing wrong with saying, for example, that you are praying for Grandma who is in the hospital with cancer, or for the people who lost their homes in Hurricane Katrina. Tell your child that prayer can reconfigure the forces in the universe and cause events to happen more favorably than anyone imagines. The more you talk about prayer, the more you will inculcate in them a reservoir of hope, in situations about which they may otherwise feel helpless and despairing.
6. Include Other People Who Pray
I have found how much being with other people who pray makes my practice flow better. So seek out those friends who practice prayer and invite them over. Let your kids see how wonderfully normal they are. Let them also see how happy it can make them to ask from the spiritual universe, the source of everything we see and experience. Tell them that if they pray, their own voice can make such a difference that Jesus’ words can come true: “Knock, and it shall be opened.” For surely prayer will open for your child a new capacity for seeing that their own feelings matter greatly and they are never alone.
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10/19/05 Helping Kids Learn to Pray 
