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8/29/2019
Homeless Housing cheap housing
There are many differences in manufactured homes. I refer to
pre-fabricated or assembled in a factory after 1976 when building codes became
clear in this industry.
There is a housing crisis in many areas of the United
States. The cost to purchase a single-family home has skyrocketed in areas
where highly paid employment combines with attractive lifestyle conditions.
Buying a home today in California is nearly impossible to even a family with
multiple income earners.
Americans need affordable alternatives to buying a stick
built house or living in crowded condominiums. Home ownership is a known
foundation for the stability of our economy and cultural structure.
The MHINCC (national Counsel) encourages standards for the
many manufactured home builders in the United States. HUD needs to review the
standards and clarify what installation systems are safe in certain locations
and what insulation and construction rules provide a structure which is wind,
seismic and moisture safe.
Mortgage lending for manufactured is far too restrictive. It
is unclear to urban lenders exactly what foundation (auger, pier, post, block,
poured concrete…) is appropriate for the situation and available for sale to
our government.
Many lenders do not loan on manufactured homes as it is
considered complex, higher risk and lower loan amounts which border on
HIGH-COST LOANS risky. Some lenders have a special department that reviews the
plans, specs, permits, tax rolls and installation of a new unit on land. There
are 20-year loans available to be sold, but the additional time and risk to
Underwrite and sell these loan types make few want to enter the ocean.
Perhaps HUD also under this same department umbrella the
retrofitting of containers and other alternative construction methods which are
being employed to avoid the high cost of housing.
8/26/2019
Best Gifts For Gardeners
The top gifts for Gardeners with links to purchase.
These are not affiliate links. I don't make anything from the links
All products I have used and love.
From Master Gardener, rose
patent holder and organic penny pincher for vegetable gardening
All these are around fifty dollars, maybe too steep for children to
buy for Mom; but this type of gift will be used for many years.
Hunter Garden Clogs $39
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| Great garden clogs green |
https://www.hunterboots.com/us/en_us/womens-shoes/womens-gardener-clogs/greengrey/1779
Soke Hidehisa for professional pruning shears from Japan
Steel $59
Look at the cool design and imprint.
These work wonders when you are
Look at the cool design and imprint.
These work wonders when you are
pruning roses for the winter.
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| Garden sheers for pruning |
Linen blend Apron from H and M washable $24.99
Also comes in the normal garden beige and black but this sky blue is
amazing beautiful and even with weed stains, a few autumn leaves brushed
on it - still gorgeous
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| gorgeous sky blue apron for gardening |
Blue and White Fish Bowl Pot $40
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| Blue and white porcelain fish pot for gardening |
https://www.orientalfurnishings.com/blue-and-white-porcelain-jardiniere-for-indoor-or-outdoor-use/
Dermalogica Sun screen $49
I love this and I will use it because it smells great and isn't sticky
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| sun screen |
available at many beauty supply/ even CVS and department stores
Quay Sunglasses
Look pretty and they don't fall off when you lean over
Again you need to protect your eyesight as well as skin $55.00
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| sun glasses |
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| galvanized silver watering can |
Gardening books, gardening calendars, logs
Bruce Asakawa's book is great.
If you don't have alot of money your library bookstore sells used
gardening books. Because garden books aen't for the coffee table,
they are read outdoors- you can get away with a used book and
add seeds in a not a picture envelope as a bookmark
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| gardener's handbook |
8/23/2019
VA Orphaned Mortgages Call Home
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| Yuki orphan |
Back in May 31 2018 Ginnie Mae and Congress came up with an plan that Veterans would not be allowed to refinance before two hundred and ten days lapsed after the close of their purchase or refinance transaction .
To explain, early pay offs before six months costs the originating lender a boat load of cash. The costs a fees a borrower pays for a home loan are not
all recouped in closing costs. Lenders sell off mortgages, in this case VA loans to Ginnie Mae and receive a premium for each deal.
The Economic Growth, Regulatory Relief and Consumer Protection Act of June 1 2018 set in motion a hard and fast law that made it so that all VA loans in process or at funding were held hostage and not considered saleable. The Department of Veterans Affairs and Congress failed to plan for the millions of mortgages in process. Lenders were forced
to hang on to loans and use warehouse lines or cash to fund these what became known as "orphaned loans."
Ginnie Mae changed pooling eligibility criteria for Department of Veterans Affairs (VA) refinance loans in securities guaranteed on or after June 1, 2018.
Today to be eligible to sell a loan to Ginnie Mae, the note date of the refinance loans must be on or after 210 days after the first monthly mortgage payment was made, or the date on which six full monthly payments have been made on the mortgage, whichever is later.
June 6th of 2018 after the legislation was signed into law, Ginnie Mae issued an All Participant Memorandum (APM) implementing the changes effective immediately which failed to plan for mid stream in progress loans, thus sticking all these mortgages into limbo.
Congress has now circled back, a year plus later, to allow lenders to sell the orphaned loans to Ginnie Mae.
here is Congress's complete Bill
https://www.congress.gov/bill/116th-congress/senate-bill/1749/text
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