Housing Grants & Forgivable Loans
Home Improvement Grants –NYS According to investopedia, a government grant is a financial award given by the federal, state, or local government authority for a beneficial project of some sort. It is effectively a gift; it does not include technical assistance or other financial assistance, such as a loan or loan guarantee, and the grantee is not expected to repay the money. Grants are like the free seeds from a fruit bearing tree. There are plenty laying around and all you have to do is pick up the ones that will work for you. First Home Club Matched Savings Program / Home Buyer Dream Program The First Home Club Matched…
Harvesting Season
Three months have now passed since the start of my composting bin in my one bedroom apartment. The easy part was figuring out what I could and couldn’t put in the bin. Although some days I admittedly spent too much time googling “Can I put lemon skins in my compost?” Long story short, composting my kitchen scraps has created a great soil mixture for my plants. A few seeds were thrown into the bin accidentally and immediately germinated, grew stems, and produced one colorless leaf. This year I will be harvesting, tomatoes, peppers and hopefully a pumpkin! Quarantine time has turned into my penchant for planting in living spaces. Planting…
Window Shopping
Open house etiquette: Is it OK to crash an open house when you haven’t been pre-approved? Almost every advisor will tell you to get pre-approved before you start looking for a home. This advice is based on the assumption that most Americans will need to improve their credit and save up some funds before starting the process of buying a home. While this certainly is good advice, there is nothing wrong with window shopping especially if you are already financially fit. That being said, if you are ready (credit/income/savings/assets) then studying the neighborhoods and building your team of realtors, lawyers, and lenders ought to come next. Based on that premise,…
