Winter SSS pn HOUSING manage your money. Learn how to plan for your financial future; create an Individual Development Account with up to $2,000 matching funds from NHS; build wealth and reduce expenses; set financial goals, such as buying a lf you want to buy . | a home but a Ve ] don't think it's possible, just ask Lauren Jones 3 oS poten ao srates The West View page 4 = SERVICES Mortgage Rates Available from 4% to 6.75%! Baissea 2002 Oy ae es antennae stro ‘< Bie he Benen Lauren Jones, proud first-time homeowner about the first-time homebuyer program at Salt Lake Neighborhood Housing Services (NHS). "I never thought | would be able to own a home. Thanks to this wonderful program at NHS, | have the home; and learn how to use credit wisely. For more information, call Jamie Jimenez at 5391590, ext. 107. SCOHOSHSHSSHSHSSHHSHSHHHOHSHSHSHSHSHHSHSHHSHHSHHSHHSHSHHTHHSHHSHHHHHHHHSSS OH ~ How doI find the rig home? What is a settlement If you are thinking about buying a home, you probably have many questions - how much house can | afford? Am | ready to buy a home? What if my credit is not perfect? NHS can help you with these and any other questions! the revitalization of its target neighborhoods. NHS serves the Fairpark, Guadalupe, Rose Park, Glendale, Poplar Grove, and West Capitol program at NHS helps people purchase either NHS can help qualified purchasers obtain a mortgage at 4% to 6.75%. A lower interest rate ensures a lower monthly payment. For many people, this can all happen with as little as $1,000 of out-of-pocket expenses by the purchaser. Dreams do come true. Just ask Ms. Jones, "You don't Know how far beyond a dream this is. It is truly a miracle,” she said. The first step toward homeownership is attend- ing an NHS orientation session. purchase a home. home in any of the NHS target neighborhoods, the NHS Rehabilitation Program can help. NHS can offer qualified homeowners a second mortgage with interest rates as low as 3 percent. For some people who are on fixed incomes, the When you are ready to purchase, we will attend the closing with you to answer any questions. Buying a home can be an intimidating process, but NHS is here to assist and guide you through the process. At NHS we want to see tenants become successful homeowners, and are glad to assist you and help ensure your success. Qualify for a 4% Loan on this Brand New Home! A home on Pugsley Street is rehabilitated, including a new roof. loan can be deferred until the home is sold. Guadalupe, Rose Park, Glendale, Poplar Grove, then work with contractors and homeowners to ensure the work is completed according to building code specifications, NHS requirements, and the homeowner's satisfaction. If you are interested in doing any remodeling Regardless of the results, NHS can assist people who have credit issues, have good credit, or have very little established credit. For more information, please call Jamie Jimenez, Loan Program Assistant, at 539-1590, ext. 107. or repairs to your home, call Bob Lund, Rehab Specialist, at 539-1590, ext. 109 for more information. This brand new, four-bedroom, 21/2 bath home is located in a great neighborhood that is close to downtown, shopping, bus routes, Gateway, Picture Yourself Living in This Great Neighborhood and Olympic venues. It can be purchased with a 4% loan by a qualified buyer and is waiting for your family! The home has over 1,800 sq.ft. of living space, lots of closets and storage, an automatic sprinkler system, central air conditioning, and a beautiful oak staircase. There is ceramic tile in the entry, kitchen, laundry, and baths, and Just sign up for the NHS Financial Fitness Workshop. Attending a Financial Fitness Workshop with NHS will change the way you To qualify, the home must be owner occupied and within the NHS target neighborhoods of Fairpark, or West Capitol Hill. NHS can assist with contractor selection, and buyers are asked to complete a Personal Profile and provide a $15 check or money order so that NHS can order a credit history. The next step is determined by the results of the credit history. Home! What improvements would you like to do to your home? Perhaps install a new roof, replace course will help participants understand debt, banking, mortgages, and closing documents. session, attendees learn about NHS and the programs it can offer. At the session, interested $2,000 toward the ~ Purchase of a Remodel, Repair Learn how to wisely manage At this one-hour Receive Up to The 3 R's: Rehab, NHS has a Home Buyer Education course that your finances and realize your dream of becoming a homeowner. The Home Buyer Education _ an existing home or a brand new home that has been built through the NHS construction program. move in! SOCHSHSHSHOSSHSSSHFSSHSSHSHSHSHOSHSSHSHSHSHHHSHSHSHHHHHHTHHHHHHHOHHSCHHOS kitchen, or pour a new concrete driveway? If you are interested in making improvements to a can answer your questions before and after you The first-time homebuyer insulation. To see this home at 346 North Edmonds Place (640 West), call Dave Galvan at 301-9040. Call soon and find out how you can the carpet, add a family room, build a new statement? opportunity of a lifetime," said Ms. Jones. NHS is a non-profit organization dedicated to Hill neighborhoods. home was built with quality in mind and has 2"x6" exterior wall construction for extra thick the range, dishwasher and disposal are included. A huge front porch, rear deck, and roomy 2 car attached garage complement the exterior. The For information, call Dave Galvan at 301-9040.