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24 • August 2018 • UPBEAT TIMES, INC. The Mortgage


S Coach


ummer time is Fun- time! With more day- light to enjoy Sonoma County, making it the


perfect place to live and play. We have


hik-


ing trails, ocean shores, river beaches, and outdoor mar- kets.


No Down Payment Required! by Barry O'Meara of Santa Rosa, CA • barryo@stearns.com


interest rates. Low inventories of housing add pressure to the housing market, pushing pric- es higher. Both factors make affordability more of a challenge. However, we are coming to a point where the hous- ing market is sta- bilizing.


You see You can


always find eve- ning markets with music, arts, and food at any of the cities or towns around the county. With so much to do, a staycation is a realistic plan! With a thriving economy, af-


fordability becomes even more challenging. Low unemploy- ment adds pressure to raise


this as sellers start reducing their list price, or accept- ing lower offers. Median values will not be increas- ing at the same pace month aſter month. Most un-


derwriting guidelines allow the seller to contribute up to 6% of the sales price towards closing costs. Part of closing costs can include buying down your in- terest rate. Lowering your in-


terest rate can make the home more affordable. Trying to save for the down


payment for a home can be the hardest hurdle


to overcome.


Many of the low-down pay- ment programs require a mini- mum of 3% down plus closing costs. Tis can add up to an additional 3% of the sales price. Te good news: A loan pro- gram that will do 100% financ- ing with no down payment required. USDA offers a 100% loan program for the purchase of a primary residence in eli- gible areas whose income is within USDA income limits. In June, USDA announced new income limits. In Sonoma County, the top annual income limit is $123,500 for a family of 4 and $163,000 for a family of 5 or more. For Mendocino and Lake Counties, the income limit is $82,700 for up to 4 fam-


We have Positive Solutions to


Unforeseen Interruptions! From time to time mini fender benders and accidents occur when you least expect them. And they do happen. We are a positive solution to these annoying interruptions. We hope you don’t have to call us. But if you do... We’ll be ready!


ily members and $109,150 for 5 or more. Te program has a minimum credit score of 620. Tese are household incomes, and you can have up to four applicants with incomes, buy- ing the home. Tis USDA loan program is


funded by the United States’ Department of Agriculture and is designed to help under- served areas, typically outside city limits. Once considered Farm Loans, these loans are not for the farm but for the home. If you are looking at a home outside city limits, this loan program may work for you. Eligible properties are Windsor and north, all of east and West County. Te program does require the home to be owner occupied.


are not allowed.


Investor purchases It does have


income restrictions that vary from county to county. If you have been victim of


the economic turndown that resulted in a Bankruptcy, fore- closure, or short sale, the wait- ing period for this program is only three years. With seller or lender credits, you could move into a home for less than what you might pay to move into a rental.


Instead of pay-


ing your landlord’s mortgage, you would be paying your own mortgage. You would be tak- ing pride in ownership and building a foundation for your future. With new higher income


limits, USDA loans will be able to help more households buy their first home in eligi- ble areas. Comparing FHA to USDA, you have lower funding fees and lower monthly mort- gage insurance. If the property is in an USDA eligible area this could be the better choice. For more information on the pro- gram and eligibility, visit the USDA web site at http://eligi- bility.sc.egov.usda.gov


5800 Guerneville Rd Sebastopol • 829-2477


24 • August 2018 • UPBEAT TIMES, INC. “No one has ever achieved greatness without dreams.” ~ Roy T. Bennett Barry ‘O


JOKES & Humor # 6


A man was stopped by a game warden in South Louisiana recently with two ice chests of fish, leaving a bayou well known for its fishing. The game warden asked the man, “Do you have a license to catch those fish?”


“Naw, ma fren, I ain’t got none of dem, no. Deez here are my pet fish.”


“Pet fish?”


Ya. Avery night I take deez here fish down to de bayou and let dem swim ’round for a while. Den I whistle and dey jump rat back inta dis here ice chest and I take dem home.”


“That’s a bunch of hooey! Fish can’t do that!”


The man looked at the game warden for a moment and then said, “It’s de truth ma’ fren. I’ll show you. It really works.”


“Okay, I’ve GOT to see this!”


The man poured the fish into the bayou and stood and waited. After several minutes, the game warden turned to him and said, “Well?”


“Well, what?” said the man.


“When are you going to call them back?” “Call who back?” “The FISH!” “What fish?”


The Totem Ally ... continued from page 23


to empower your golf game from the ground up, start with a totemic ally. Let that spirit of indigenous aware- ness be the wind in the sails of your star-ship into the fu- ture.


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