February 10, 2010 at 08:21 PM
Effective March 1, 2010 the Wheda loan program will be available for first time home buyers in Wisconsin. Some facts about the new program are:
You must be a first time home buyer
The loan will be a 30 year fixed rate loan
The loan will have a 45 day rate lock
The loans are available for existing single family and 2 family homes over 5 years old
The maximum LTV:
- To 97% minimum credit score 660
- Over 97% minimum credit score 680
The maximum debt ratio is 45%
Minimum borrower contribution $1000. 3% borrower funds for 2 unit properties
Home Buyer Education is required
No Mortgage Insurance
Posted by:
Barbara Bednarski
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November 25, 2009 at 03:42 PM
If I’ve had a very hectic day my favorite “comfort” places are a book store, a yarn shop, or a library. Libraries have changed a lot over the years and offer more choices than ever before. I have fond childhood memories of going to the public library and the summer reading program where we placed a sticker on a chart for each book we read. As I think back about it, I must have driven my mother crazy taking to the library all the time. Another fond memory was the Bookmobile, which came to my neighborhood every Monday. You can imagine my excitement when the summer between my freshman and sophomore year in college I got a job at the library, and was the Assistant Bookmobile Librarian.
Ozaukee County communities can boast of wonderful libraries, each having a friendly and helpful staff. Also, books can be borrowed from any of the libraries involved in the Eastern Shores Library System. The Grafton library has some special activites and programs going on. Among these are:
Super Saturday Movie on Dec. 12, at 11 a.m. The movie will be “Snow Buddies”.
On Mon., Dec.7, at both 11 a.m. and 6 p.m. there will be a Family Story Time
The library offers a wonderful online research tool which presents information on current issues that are summarized from a variety of new sources. To access this database, click on “Issues and Controversies” found on the homepage at www.grafton.lib.wi.us. The user name is graftonpl and the password is facts.
Due to a state grant the library system now has a database called Learning Express. It features over 800 online courses; sample tests, such as SAT and GED; plus a variety of occupational exams. A resume building course provides a template for creating your resume. Learning Express keeps track of your sample scores and gives you immediate feedback on right and wrong answers. To access go to the Grafton Library homepage and click the Learning Express link.
New magazines available at the Grafton library are Shop Smart, Scrapbook, Dwell, Wired, and Bead Style.
All of these things are there for you and your family to enjoy at no cost.
Posted by:Barbara Bednarski
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