Home of your own program san diego

Borrowers must occupy the property as their primary residence. Minimum Borrower Contribution. Other Terms. The first mortgage must be a 30 year fixed rate, all income must be documented no stated income. But listed below are the most common; Are un-permitted additions allowed? Will probably fly Are un-permitted conversions allowed like a garage conversion? Will probably fly Is a section 1 termite clearance required?

No Is a home warranty required? No Are there funds available for the program you are applying for? If so, are the enough funds available that there will still be funds by the time your file is reviewed? Is the buyer allowed to make any repairs out of their own funds to correct issues called out on the appraisal or by the program? This is important because if the house is in a condition that either entities will call out repairs, and the seller is not willing to correct the issues, then the transaction will fail.

Is the lender required to be on an approved list? Yes Want even more information? There are really two overriding factors which will determine if you maximized the potential in the sale of your home. It is an accepted fact that the more people that walk through your house to look at it, the higher the price it will sell at.

Think about it. If ten people walk through your home, perhaps 1 will hate it, 2 will not like it very much, 4 will think it is okay, 2 will like it and 1 will think it is the most awesome house that they have ever seen. Obviously the one that thinks it is the most awesome house ever would be the one that wanted to make the highest offer. You need to get enough people to walk through your house to make sure that you get the highest possible offers.

What is the maximum amount the buyer is allowed to offer? Now that you got enough people to walk through the property and have several really interested buyers. First Time Home Buyers are the largest single segment of buyers. It is in your interest to lure them in for a look. What better way to lure them in than with Custom signage that says that Down-payment Assistance may be available to them to help the purchase your home.

That your listing agent is an expert in these programs and will waive his consultation fees for any buyer who makes on offer on your home. That your listing agent is an expert and can help the buyers agent write the offer is a way that it will conform to the program guidelines.

Now that they are interested, you can maximize the amount that they can offer you because we will help them qualify for any down-payment assistance that is available. We have helped buyers increase the amount the qualify for by up to 90, dollars. This is no sales pitch, review our comments on this website and also look at our Facebook page to see real comments by real buyers and sellers who have used these programs to maximize there transactions. At the bottom of this page you will find links to our customer comments and a link to our Facebook page.

Make sure to copy and past this pages web address from your browser and then give us a short description of the link and where it is located on the page Want even more information? Make sure to copy and past this pages web address from your browser and then give us a short description of the incorrect or outdated information and where it is located on the page Want even more information?

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Anita grew up around disability. I became blind before she was born, and she and her mom lived in the same town we did when we were raising our son Gus, who was born with physical and developmental disabilities and uses a wheelchair. No more bah humbugs! I said yes. And am I glad I did! Anita and Kelly were accompanying their blind old great-aunt Beth, so they got the same discount I did. Seeing Eye dog Luna guided me from home to the theater to meet Anita and Kelly last Saturday, I showed my proof-of-double-vaccination card with pride, and handed over my ticket.

I appreciated having the costumes displayed on dressmaker dummies — that way I could feel the fabrics with structure and imagine how they might look — and fit. A costumer from the show was on hand to give me the back story on each piece. My favorite? A top and hoop skirt worn by the Ghost of Christmas Present. I was encouraged to touch the fabric, the stitching, the piping, the braids, the brocades, the hoops, everything.

Anita and Kelly showed up in time to enjoy some of the costumes, and from there the two of them escorted me into the theater to meet some of the main actors in the play for the pre-show.

Yes, harness. She wears it to hold up the weight of the Christmas tree hanging off her shoulders. The last actor to describe themselves was the Ghost of Christmas Past. Use the link to the audio player below. During the pre-show the actors explained to me exactly when the flying scene would happen, how the flying contraption works, how heavy it is to wear and so on.

Audio describer Jason Harrington jumped on stage at one point to walk around it and describe the setting and scene changes — so helpful. Forgive me for going on and on about this. I had a wonderful time with Kelly and Anita, they both were so kind-hearted, totally comfortable around me and very helpful, too: ordering coffee before the show, snacks during intermission and then a Lyft ride home afterwards. That is 7. It is important that we observe this day to bring attention and awareness to the special education system to ensure that the most vulnerable students among us have access to everything that they need to be successful.

It is important to highlight the children, people and families that are beneficiaries of this work. The Black Child Fund is focused on the intersectionality of race and disability and aspires to disrupt systems of educational inequity and improve long term outcomes for BIPOC youth with disabilities. Easterseals aspires to be a thought leader and convener of people, ideas, and resources aimed at mitigating disparities that exist for BIPOC youth with disabilities in educational outcomes and social indicators of health and wellbeing.

What are the disparities that Black students and Black students with disabilities face in education? Black students are the largest population in the special education system, and the most underserved. Despite being over-represented in the special education system, outcomes for Black children receiving special education services lag behind those of every other group.

While disability does not occur more frequently in the Black community, Black children are often over identified as having behavior problems or not being school ready thus creating a pipeline of Black students into the special education system that often does not serve them equitably.

The Black Child Fund seeks to elevate the cultural competence of special education advocates, teachers, and practitioners so that all professionals serving BIPOC students with disabilities are doing so through a culturally responsive lens.

This work is important to me because I fundamentally believe that education is the most powerful lever that we have to disrupt the effects of generational poverty within communities of color. Full Stop. If you really want to disrupt the effects of generational poverty, educate young girls of color. The willingness of people and institutions to have a reckoning with the racial injustices of our current system. I believe that the soil is fertile and now is the time to have hard conversations about racial inequalities.

People are open to hearing, taking action and wanting to be a part of the change that we want to see in our culture and in our communities. Culturally inclusive and culturally responsive pedagogy must become ubiquitous within the special education system. My hope is that meaningful funding will follow all the goodwill and good intentions. Small ideas that are working well in pockets still need a larger platform. We need resources so that we can scale them to benefit all children.

How has the pandemic shaped the experience for children with disabilities and their education? What has changed for them, and what issues are most pressing as we continue through the pandemic? Learning loss for all students is real. Access to services has been the prevailing challenge through the pandemic and this problem persists even though students are back to in-person learning.

The number one problem that we saw as a result of the pandemic was that million K students received no formal education at all starting in March of through the fall of this year when we went back to in-person schooling.

It has been nightmarishly hard for everyone to manage education through COVID, and special education populations have felt this more acutely then just about any other unique group.

When general education gets a cold, special education gets pneumonia. And I would suggest that special education in poor and rural communities is where the pandemic has done its biggest damage. It has been nightmarishly hard for educational growth and attainment. The learning deficits are tremendous. We are seeing catastrophic numbers in educational outcomes in the special education population during the pandemic because students have been fundamentally disconnected from education and services that are provided through the local education authority.

So, not only am I not getting formal education, but I am also not getting my speech therapy, I am not getting my behavioral therapy, I am not getting all the educational services that my IEP suggests that I need. Educators and administrators are working hard to try to figure out how to solve these problems for our children, and there are not a lot of easy solutions and pathways to success, and access to opportunities when you layer on issues of poverty,. What message do you have for parents?

Find your tribe. Our services are either free or pretty cost neutral even if you are uninsured or use Medicaid. These services are available to everyone. Also, consider a special education advocate. You can reach out to Easterseals to find a Special Education Advocate in your community. Special Education Advocates are a fountain of knowledge and a wealth of resources, and they connect you to other resources in your community.

If you do not have a Special Education Advocate, get one! I also encourage parents to reach out to Easterseals or other organizations to find an affinity group for yourself so that you can learn to become the strongest, most effective advocate for your child possible.

In doing so, you will also teach your child to become a strong and effective self-advocate. Also, always remember that the squeaky wheel gets the grease. You are their partner, and no one knows your child better than you.

You need to work with your education partners to make sure that your child is getting everything they need at school, and that you are doing everything at home to make sure that there is a consistent focus on education both at home and at school.

Your child should not feel that there is one set of expectations at home and another set of expectations at school. You want to have relationships with your educators and school administrators. Learn to be an advocate for your child, and this will teach your child to be a self-advocate. I encourage more people to reach out to Easterseals. We are here to help. We want to bring more people into this tent. Right now, there is a big tent and there are not enough of us in it.

The best way to make progress is to bring in more people and more resources into the tent. Tonight, Thursday, November 18, , I will be one of four women with disabilities on an hour-long …. Tonight, Thursday, November 18, , I will be one of four women with disabilities on an hour-long free Zoom panel sponsored by the Skokie Public Library:.

What does self-advocacy look like when navigating the world with a disability? Panelists will share lessons learned and provide tips on fighting for more fair and just treatment in the workplace and beyond. The four of us will each be given 10 minutes to tell a few personal stories of advocating for ourselves, leaving time afterwards for discussion and questions.

My plan is to talk fast and describe three experiences, one a success, another a collaboration, and the third a failure:. The hour-long panel is free, it will be hosted on Zoom on Thursday, November 18 at 7pm CST, and you can register for it here.

You can attend free of charge even if you are not a member of the Skokie Public Library. Call the library at For me, this pandemic has been a real paradox. It has brought a lot of hardship and loss, but it has also expanded my horizons.

The biggest positive change? No more worries about transportation, finding the right street address, getting turned around in crowds. For that, I am very thankful. Teaching myself new apps, gaining more respect for Uber drivers, making new friends, trying new things. I have a lot to feel thankful for, and I hope that on the days that things seem uncertain and the world seems scary, you can find some silver linings, too.

He shares with us his thoughts on National Disability Employment Awareness Month and why companies must include disability in their diversity and inclusion efforts.

What is your current position at Old National Bank? Did I hear you have another job as well? Which job should I describe? He said with a smile. At ONB, I serve as a Diversity and Inclusion Outreach Specialist, where I work to create a more inclusive atmosphere for people with disabilities both within our company and the communities we serve. I run point on Achieve Ability, a program that pairs aspiring professionals with disabilities with leaders at ONB for a month mentoring relationship.

Our goal with Achieve Ability is to empower people with disabilities through a deep and meaningful relationship with a leader at Old National Bank. So, when the opportunity presented itself to run for a City Council position — I was in. Not only am I able to utilize my passion for advocacy to benefit the people of the First Ward whom I represent I was able to harness my competitive nature to beat the other guy in the election! Therefore, I believe my disability has naturally made me — I think — into a better and stronger advocate for myself and the people I serve in the First Ward as a Councilman.

National Disability Employment Awareness Month is the time to promote inclusion of people with disabilities in the workforce. It is the best time of the year to share success stories, demystify myths, and inspire companies and their leaders to become more inclusive. For the employer community, some can brag about how inclusive their workforce is already, and some can utilize this month to learn from the leaders in the industry by reading stories and attending webinars.

What are some of the best things about hiring people with disabilities? Why should companies consider this untapped market? We navigate a world that was not created for us. We have found a way to do and accomplish, each and every day. We are resilient.