(NewsUSA) – When Danielle and Jimmy returned to their home state after three years in Germany, they spent the next six months looking for their first home."Location was so important to us. We got used to walking everywhere while we were in Germany. Grocery stores, restaurants, beer gardens and pubs were all within walking distance of our apartment. We wanted to find a neighborhood like that," explains Danielle, an employee relations attorney.They found the perfect neighborhood: Bay View, Wisconsin. They also found a house in a perfect location, right across from a park, with a lovely view of Lake Michigan.But the house itself wasn’t so perfect: it needed about $20,000 worth of renovations. And the sale price was on the high side of their price range."We looked at other homes in the neighborhood that were cheaper and in better shape. But we kept coming back to this one. It was in the perfect spot. And when we found out there is a beer garden in the park in summer, it was a done deal!" Danielle says.They successfully closed on the house in January and spent a month painting, installing a new kitchen floor and remodeling the master bath before they moved in.So how did Danielle and Jimmy manage to buy a more expensive home and have money left over to fix it up? With direction from their loan officer, here’s how they did it:1. They were pre-approved before starting the house hunt, so they knew their price range.2. They used conventional financing with private mortgage insurance, which allowed them to put down 5 percent instead of 20 percent. Their mortgage payment is higher, but still within their monthly budget.3. The lower down payment made it possible to buy the more expensive home.4. Putting less money down also allowed them to keep cash for the renovations.For more information on how to purchase a home with conventional financing and a low down payment, check out the articles and videos on this website, created especially for first-time homebuyers: readynest.com.
(NewsUSA) – Sponsored News – There is little question ethanol is helping America reduce its dependence on foreign oil — lowering gasoline prices, improving the environment with lower emissions and growing the economy with jobs that can’t be outsourced. In 2015 alone, the ethanol industry created and supported more than 350,000 jobs. Ethanol also contributed […]
(NewsUSA) – For students around the country, summer vacation may be in full swing, but for many, that hasn’t kept them from learning – especially those interested in a career in agriculture.For the sixth consecutive year, National 4-H Council has partnered with CME Group, the world’s leading and most diverse derivatives marketplace, to bring the […]
(NewsUSA) – Self-care has never been more important as part of a strategy to manage the ongoing stress of the Covid-19 pandemic.Strategies for self-care include paying attention to sleep, nutrition, and physical activity, but channeling the power of quantum energy offers an additional opportunity for self-care and self-healing.Quantum energy and frequencies have a long history […]