Manna Program

I just received this email from Manna and it is a very good offer for anyone needing this assistance.

MANNA is currently looking for applications for its new project “Children First: Safety Initiative.” The program will involve having MANNA staff and volunteers child proofing the homes of expecting mothers, households with babies, or households with small children. The program will be free of charge to all households who participate, but there are restrictions. Qualified households must:

1.  Live in D.C.

2.  Be expecting a child or have a child of seven years or younger

3.  Be willing/able to be there for the project to occur (a one hour appointment) during the scheduled availability period.

4.  Fill out the application and liability waiver.

 

The project will provide all materials and the assistance (volunteers) to install and set up the materials for child proofing for free to all program participants. We are currently seeking those interested in participating on Wednesday, May 16th between the hours of 10:00 AM – 3:00 PM.

 

To qualify, you must fill out the application and waiver below. Note: All fields must be completed for submission.

Application and Waiver

We are accepting applications for Wednesday, 5/16/2018 until Monday, 5/14/2018 on a first-come, first-served basis. 

 

 

Buying your first home alone-after a divorce/breakup

"Image courtesy of Ambro / FreeDigitalPhotos.net".

“Image courtesy of Ambro / FreeDigitalPhotos.net”.

I had someone ask for a family member how they can buy a home. The person buying supposedly has a great credit score, works and makes enough to buy the home they are seeking. They were denied a home loan from a lender that I had never heard of but with all listed they should have been approved. I asked the person was this the buyer’s first home or an investment property and that is when I was informed that the buyer was married!

Image courtesy of Salvatore Vuono / FreeDigitalPhotos.net

Image courtesy of Salvatore Vuono / FreeDigitalPhotos.net

She still owned a home together with her husband even though they plan on never getting back together. I let the person asking know that is the reasoning behind her denial. She owns a home already and until she removes her name from that house, she will not be able to buy a home as her “principal residence”. Why, you ask? The answer is this-she already has an interest in a property and until she gets rid of that interest, she can buy another home but only as a second home or as an investment with higher interest rates. I advised her to check with an attorney but that it will take either a legal separation or divorce, make hubby refinance and pay her share of the equity out to her for this to be right. Then she is also removed from the loan on the property and no longer responsible for the debt.

Image courtesy of renjith krishnan / FreeDigitalPhotos.net

Image courtesy of renjith krishnan / FreeDigitalPhotos.net

That can then give her the keys to her own home.