Author Archive: Ruth Collins

Small Business Administration Resources for Veterans

March 5, 2019

The Small Business Administration offers various resources for veterans interested in starting, financing or growing their businesses.

This post is part of a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

Find additional information and resources on small business grants and loans, home buyer programs and Community Foundation programs from around the world.

Community Development

SCORE Services to Small Business – An Introduction

February 28, 2019

In an excerpt from a 2010 interview the SCORE CEO discusses its counseling and workshops offerings to small businesses.

This post is aligned with a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

Find additional information and resources on nonprofit information, educational grants and Civic Engagement programs from around the world.

Community Development

How to Apply for a Federal Grant

February 26, 2019

We often hear of federal grants and how they can help make our lives better. Well, they actually do, make our lives better. But instead of assisting our personal financial needs such as personal debts and rent payment, federal grants intend to make our lives better by innovating solutions to the problems in the community and the society.

This post is part of a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

Find additional information and resources on small business grants and loans, home buyer programs and Community Foundation programs from around the world.

Community Development

Grants from the Department of Health and Human Services

February 26, 2019

In 1979 the Department of Health and Human Services (HHS) was established in an effort to protect the health of all Americans and to provide essential human services to everyone, especially to those who are least capable of helping themselves.

This post is aligned with a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

For more information on small business grant and home ownership programs visit TopGovernmentGrants.com.

Community Development

Shopping for Your Home

February 23, 2019

This video is essential for every first time home buyer and it’s a great
refresher even if you’ve purchased a home before.

This post is aligned with a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

Find additional information and resources on nonprofit information, educational grants and Civic Engagement programs from around the world.

Community Development

Small Business Administration HUBZone Program

February 21, 2019

The Historically Underutilized Business Zones Empowerment Contracting Program provides federal contracting assistance to eligible small businesses located in underutilized business zones to improve their employment opportunities, investments, and their area’s economic development.

This post is aligned with a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

Find additional information and resources on nonprofit information, educational grants and Civic Engagement programs from around the world.

Community Development

Grants From The Department of Labor

February 13, 2019

The Department of Labor was primarily created to nurture, promote and develop the welfare of job seekers, wage earners, and retirees of the United States of America, as well as to improve the country’s working conditions, advance employment opportunities and ensure work-related rights and benefits.

This post is part of a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

Find additional information and resources on small business grants and loans, home buyer programs and Community Foundation programs from around the world.

Community Development

Down Payment Assistance Loan for New York Home Buyers

February 10, 2019

The Down Payment Assistance Loan Program aims to assist first time home buyers in the process of securing their down payment and closing costs through the acquisition of a second mortgage plan which can be used simultaneously with any available SONYMA first time home buyer program.

This post is aligned with a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

Find additional information and resources on small business grants and loans, home buyer programs and impact investment programs from around the world.

Community Development

Small Business Administration Loan Guarantees Program

February 9, 2019

The Small Business Administration has established the Loan Guarantees Program wherein they aim to be able to provide guaranteed loans to small business establishments which are not capable of acquiring financing from a private credit marketplace but greatly manifests the ability to repay funds in a timely manner.

This post is part of a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

For more information on small business grant and home ownership programs visit TopGovernmentGrants.com.

Community Development

Smart Home Mortgage Tips To Help You

February 9, 2019

You need be knowledgeable about the lending process to get the best loan possible. Do you understand what a mortgage brings with it? This article can help give you information to help you obtain a good mortgage.

Pay off your debts before applying for a mortgage. With low consumer debt, you will be better able to qualify on a good mortgage loan. When you have a lot of debt, there is a good chance your application for a mortgage loan will be denied. Carrying high debt can result in a higher interest rate on your mortgage and cost you more money.

New rules under HARP could let you apply for a brand new mortgage, no matter if you owe more than your current home is worth or not. In the past, there were many people who tried to refinance without any luck. This program changed that. Find out if you can qualify for lower mortgage payments.

Before you attempt to get a mortgage, it is wise to have a budget in mind. This way you aren’t stuck agreeing to something that you cannot handle in the future. This means setting a limit for monthly payments, based on what you can afford and not just what type of house you want. If you are unable to pay for it, it can cause problems.

Create a financial plan and make sure that your potential mortgage is not more than 30% total of your income. Unexpected financial problems can result if the percentage of your income that goes to your monthly payment is too high. You will be able to budget better with manageable payments.

In the event that your application for a loan is turned down, don’t despair and give up. Instead, go to a different lender to apply for mortgages. Each lender is quite different on the criteria for loan approval. This means that applying to more than one lender is a good idea.

Mortgage Loan

If you want a good mortgage loan, choosing the right company is essential. You never want to regret either your mortgage loan or lender, winding up having to refinance quickly in the future. Having the right information will help you make the best decision.

Community Development