Sowing seeds

 It doesn't matter if you have an acre or a tiny balcony 

growing flowers and vegetables will make you feel at home.

Starting seeds in paper egg cartons is an easy 

and cheap way to start your garden

• Some seed companies I like:
• Johnny’s
• Baker Creek
• Select Seeds
• Kitazawa
• Vilmorin
• Franchi
• American Meadows
• Renee's Gardens
• Seed Saver Exchange
• Sow True Seed

Mortgage Refinance

Mortgage Refinance  
Tips For Getting 
Approved

Getting a low refinance rate for your mortgage 

can be very complicated.

However, with a few tips you will be able 

to get the loan you need 

and get the lowest monthly payment possible. 

There are many reasons that people refinance their mortgage.

Some of the main reasons why: 

You have old loans that have high interest rates, 

You have debt that is catching up to you,  

You want to pay for college or to invest in another

property.

Whatever the reason there is a solution that is available for you.

 Here is how you can do it.

The first thing that you need to do is find out what your 

mortgage refinance options

are best for your needs. 

One of the most popular choices is a fixed rate mortgage. 

This type of mortgage can lower your monthly payment since rates are so low.

There is not much difference in rate between a fifteen year 

or five year or ten year loan.

The fifteen year mortgage has the lowest rate but highest payment

Perhaps you cannot qualify for a government backed type loan, we

have solutions to help self employed borrowers or those who have assets but 

not W-2 income.

If you plan on applying for a mortgage refinance, 

then you should know how to get approved. 

If you have a decent credit score, a FICO above 690,

you should have no problem getting approved for a mortgage. 

The mortgage industry is very competitive, 

and you will be able to find the perfect mortgage. 

Another thing you can do to get a lower interest rate 

is to pay points off your mortgage. 

This reduces the amount of interest you pay on your mortgage,

 which can save you thousands of dollars over the life of your mortgage. 

Points are not a great choice if you think you will sell in the next four years.

We will advise you on the best mortgage.

As you can see, there are many ways to get approved for a mortgage refinance 

if you are ready to take your financial situation into your own hands. 

You should be prepared with all your financial information before you start 

filling out applications, it is not necessary to have perfect credit 

in order to get approved for a mortgage.

 

• 
  

Get $1400 Now

If you do not have your $1400 stimulus check or debit card yet you can check here with the IRS as to status:

https://www.irs.gov/coronavirus/get-my-payment

If the IRS says not pending...

 Did you file a 2019 return?

Your adjusted gross income must be less than $69,000  for 2019 year can file their 2019 federal taxes for free this year using IRS Free File. Even if you made nominal income, go ahead and file right away to receive stimulus checks.

Many states also allow free filing online of income taxes at no charge. They do so through Free File offered either by the IRS or by states that have a similar public-private partnership.

When you file your 2019 return online it will also ask you if you received the $600, if the answer is no, it is a credit to you.

I suggest you file online today and enter your correct routing number and checking account number to receive the $600 and $1400 right away. If you don't have a checking account it may take four or five weeks to receive either a check or a debit card in the USPS mail.

• Most people make less than the $69,000 income limit. So, many people can use Free File, the system is pretty simple. Have your W-2 forms, 1099 forms, and social security number out to type in the numbers. You can even do this from your smart phone.

• Taxpayers complete federal tax return before they can begin their state taxes. 
• The IRS has extended filing through 5/17/2021 which is in tact for wage earners and schedule C businesses. There is no reason to wait.
• Be aware what type of return you file. If you are a wage earner you have until May 17 but if you have K-1, LLC, S Corp, and the more complex business returns there was no extension to file
• For business tax return filers 1065,1120S, 1120 etc the extension is not applicable. 
• Self employed borrowers need to file or extend now.

If you are applying for a home mortgage the 2019 extension or return is required depending on which you filed in 2018.

If you want to apply now for a low rate you can start at any time here:

Apply for home loan

 

John Everett

The Comet 

This stormy image of the sea is full of wonder.

John Everett (Herbert Barnard) born 1876

Came from wealth and chose a nomadic life at sea. 

His paintings are recognized now long after his death in 1946.

Not enough bits of his life to make the puzzle fit together.

Married Katherine Everett and had two children that he didn't raise.

She became a landscape garden designer- how I wish there were images

of her work. All we have is her novel, Bricks and Flowers.

Painting of the gardens from the manor where Katherine lived 

(artist not sure from notebook owned by Lady Ardilaun)

Ruins At Sandsfoot Castle

Did he change his name to John because he didn't want to be Herb 

like his father or to emulate Millias???

And now what you came here

 to read the exciting ECOA rules.

Sometimes writing about mortgage is not beautiful.

Regarding Fair Access to home loans:

Credit must be made equally available to all creditworthy 

customers who may be eligible or qualified for them,

 in compliance with all fair housing, 

ECOA and applicable lending law. 

The statute makes it unlawful for any creditor 

to discriminate against any applicant with respect to any aspect of a credit transaction 

(1) on the basis of race, color, religion, national origin, sex or marital status, 

or age 

(2) because all or part of the applicant’s income derives from 

any public assistance program (including, without limitation, 

Social Security income and income derived

from Housing Choice Vouchers); and

(3) the applicant’s good faith exercise of any right under the 

Consumer Credit Protection Act, disability, and familial status.”

 *It shall not be an unlawful discriminatory practice to 

consider age in determining credit worthiness 

when age has a demonstrable and statistically sound relationship to a determination