The Power Is Now Real Estate Magazine | September 5, 2022

PROPERTY INFORMATION:

This wonderful mountain home in the beautiful subdivision of Alpine Village is a Must See! Large bedrooms, 2 bathrooms, spacious living room, great kitchen/dining combo. (New flooring and kitchen counters/cabinets in 2021.) Covered back deck, fully fenced back yard, unfinished basement acts as a workshop/hobby area. Two car garage and additio nal parking for RV or additional vehicles. Attic space the length of the home for tons of storage. Primary, second home or long/short term rental opportunity. Schedule your showing today before it’s gone!

PROPERTY

This cozy park model home is conveniently located in the community of Star Valley. This 1 bed 1 bath home has many nice features throughout. This is a perfect opportunity to buy a wonderful full time or 2nd home in Star Valley. This beautiful home is ready for move-in! This property is chattel and the land is leased at $375/ mo. Call your realtor today for more information. This is not an age restricted community.

PROPERTY INFORMATION:

A rocky bluff on the northside of this 47.5 acre par cel provides an exquisite backdrop creating the per fect property for privacy and seclusion. The rocky bluff extends as a natural wall along the north side of a large, open meadow area that is bound by the local road and a wash which travels along the south side and through a section of the property, leaving approximately 13 open acres on the southeast side of the wash. The Arizona artist who owns this land has used the wash sand many times in her sand impressions. Amazing pieces of petrified wood are continually being found and the diversity of plant life gives credit that the soil is potentially suitable for growing a variety of plants. Owned by one family since 1983, Well can be drilled.

PROPERTY INFORMATION:

Looking for a ‘’Tiny’’ home? Here is your opportunity to own an affordable home just below the Mogollon Rim that offers horse privilege’s, No HOA, RV par king, Arizona’s largest national forest-Tonto Natio nal Forest surrounding the community, allows short term rentals and close proximity to numerous Rim Lakes. This Quintessential cabin is adorned with tall Ponderosa Pines! Come to the heart of Arizona and enjoy all four, mild, seasons in the charming com munity of Tonto Village. Wildlife enthusiasts, hikers, bikers, UTV/off-roaders, and stargazers will All be enthralled! Your future memories await you! Call and schedule your showing Today! Home is sold AsIs. Cash only.

Stunning acre lot in the beautiful Santa Cruz Mountains. Lots of previous work and efforts have been put into this property and now it’s just waiting for the next owner to build it into their dream home. A well engineered driveway leads past a forgotten gem of a zinfandel vineyard, to the existing garage and building pad mountain views. tank was but not put into operation. water already on site. Power pole is already on the property. Just a short drive to Scotts Valley, Santa Cruz and the Silicon Valley, this lovely

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*The Annual Percentage Rate (APR) is a variable rate based upon an index and a margin. The APR will vary with the Prime Rate (the index) as published in the Wall Street Journal. The variable rate APR will range from Prime + 0% to Prime + .435%, depending on the applicant’s credit score. This variable rate is based on auto-debit of payments from a First Bank checking account. If not auto-debiting payments from a First Bank checking account, add .75% to the rate. The APR may increase or decrease but will not exceed 18% nor will fall below 4.25% except during the 12 month promotional period. During the promotional period the rate will be Prime - 1.51% and the promotional rate requires auto-debit of payments from a First Bank checking account. As of July 28, 2022, the APR ranges from 5.50% to 6.685% and the promotional rate is 3.99%. Rates are subject to change. This promotional rate is available only for consumer checking account clients of First Bank who do not have a HELOC with First Bank as of July 27th, 2022. Offer available for applications accepted July 28, 2022 – September 21,2022. Maximum credit line is $500,000 and there are no closing costs for standard documentation.

**Rate subject to change. Available on Home Equity Lines of Credit (HELOC) originated April 1, 2019 or later. Minimum lock amount is $5000 Each advance is subject to a onetime $50 fee. Each HELOC is limited to three (3) Fixed Rate Advances at any one time. Offer expires September 21, 2022.

FREQUENTLY ASKED QUESTIONS

Who can qualify for a Home$tart grant?

earning up to 80 percent of area median income for the location of the residence being purchased Income limits are adjusted based on household size Home$tart recipients must also:

• Complete a home buyer education class

•

You must have a signed Purchase and Sale Agreement to enroll in Home$tart.

How much grant money may I receive through Home$tart? Home$tart participants may receive up to $7,500 in grant funds

How do I enroll in Home$tart?

Des Moines and participates in the Home$tart program. A list of participating located within the Affordable Housing Products section of our website, www.fhlbdm.com Your lender will qualify you for Home$tart and explain the program in greater detail.

LENDING STRENGTH

Are there any restrictions on the type of home I may purchase?

Home$tart grants may be used to purchase single-family homes, manufactured homes, condominiums and other types of residences. The home you purchase must be used for your primar y residence There are no neighborhood restrictions (i.e., type or location)

Are there restrictions on how the grant may be used?

Home$tart grants may be used for down payment and closing costs for purchase of a home or for repairs in connection with the home purchase.

What happens if I sell my house?

If your home is purchased with Home$tart assistance, it is subject to a

on the length of time you own the home, and the funds will be taken from your sale proceeds If you sell your home at a net loss or to another low- or moderate-income home buyer or if you lose your home through foreclosure, the prorata amount owed on your grant will be forgiven; in these cases, your title company should contact FHLB Des Moines to request a forgiveness

have to repay the grant. It’s all yours! L.

Federal Home Loan Bank of Des Moines is a member owned cooperative that provides funding solutions and liquidity grants to create livable communities for households with limited incomes.

PROPERTY INFORMATION:

Quiet and private contemporary home located North of RT 67 near to Transylvania Pond and Radey Pond. Perfect get-away or condoalternative. Large natural stone fireplace is a central feature in the great living room. Home office/den setup, cathedral ceiling in living and dining room, open floor plan. Great yard for gardening and entertaining. Stately stone walls appear in yard and offer sitting areas and natural barriers. Some TLC will make this shine! Bring your ideas and offer today :-)

PROPERTY INFORMATION:

PROPERTY INFORMATION:

Excellent opportunity with this beautiful move in ready 3 bed 2 bath block home situated on a private lot and featuring an oversized 736 Sq Ft garage/workshop. Freshly painted throughout. Beautiful kitchen with granite countertops and stainless-steel appliances. Recently updated hot water tank and updated windows, NEW AC and many more upgra des including electric hook up for your RV. Conveniently located close to shopping,I-95 Mims 46 exit and the Indian River Lagoon. Seller will provide recent 4 point, wind mitigation and home warranty. INFORMATION:

Homeownership May be Closer than You Think

The GSFA OpenDoors® Program, provided by Golden State Finance Authority (GSFA), provides down payment and closing cost assistance (DPA) in conjunction with 30-year fixed rate home financing.

The DPA (up to 7%) is provided in the form of a zero percent interest rate Second Mortgage combined with a Gift.

Only the amount of assistance provided as a Second Mortgage has to be repaid and not until the home is sold or the First Mortgage is paid off. Any assistance that is provided as a Gift is forgiven as soon as escrow closes.

You May Qualify for Homebuyer Assistance, up to 4 Percent

Individuals or families purchasing a primary residence in California with a USDA Rural Development loan guarantee through the GSFA Platinum Program will be eligible for homebuyer assistance of up to four percent of the mortgage loan amount.

The assistance is provided as a low interest rate Second Loan, amortized over 15 years*. The assistance can be used towards closing costs or for principal reduction.

USDA’s guaranteed home loan features 100 percent financing and is available to low-to-moderate income homebuyers in rural areas, typically communities with populations of 35,000 or fewer. Coupled with the GSFA Platinum Program, qualifying homebuyers may be able to purchase a home with no money out of pocket.

USDA Guaranteed Home Loan

» Zero down.

» 100 percent financing.

» Closing cost assistance, up to 4 percent.

» No first-time homebuyer requirement.

» No Mortgage insurance requirement.

» New or existing residential property allowed.

GSFA

Where Starting Over happens every day!

We’re Starting Over, Inc. a 501(c)(3) organization dedicated to supporting and uplifting people experiencing the effects of mass incarceration, systemic racism, housing insecurity, substance addiction, and mental health issues. We believe that people impacted by these issues are the ones closest to the solutions, which is why we are a Black led and criminal justice impacted organization engaged in this work. From experience, we’ve learned that housing is critical, but alone, it is not enough to support those exiting prisons or the streets We not only provide transitional housing, but also include holistic services such as peer support, case management, employment, wellness, and re entry services We also work to address the root causes of our houseguests’ difficult situations, leading grassroots organizing and policy initiatives in the Inland Empire region and statewide. Established in 2009, we’ve served over 1,400 men, women, and families in Riverside and Los Angeles Counties through the re entry and transition process.

We believe that the past does not define our future. We’re invested in creating safe and equitable opportunities for all members of our community, and especially those with past convictions Housing opportunities are crucial for our community members and directly affect their ability to thrive.

Starting Over, Inc. is committed to reducing and eliminating the many barriers to life after incarceration. We have a deep commitment to identifying and implementing evidence based approaches to strong communities and families. We seek to creating program/project solutions where the need exists in our community We do lots of things at Starting Over, Inc but our primary goal is to address the immediate effects and root causes of incarceration, be it through housing, employment, legislation, or community organizing

T t i l d ith i itiatives, access our services, or support our work through donations, you can or office@startingoverinc.org.

Our programming and projects include, but are not limited to:

Transitional Housing

We currently operate eight homes in LA and Riverside Counties open to men, women, and children, with options for sober living or harm reduction housing All of our services are available to our houseguests, many of whom have been unable to obtain housing after being released due to their conviction histories

Case Management

Our Case Management specialists provide support to our guests with obtaining necessary documents/identification and accessing insurance, education, healthcare, clothing, food, & more.

Peer Support

Our houseguests are not alone our support specialists, having experienced incarceration, addiction, and homelessness themselves understand our guests' needs and the barriers they face. We’re here to meet our guests wherever they are in their journeys and to support them moving forward through empowerment, support with recovery, referrals, and mentorship

Family Reunification, Equity, & Empowerment (FREE) Project

Mass incarceration affects not just individuals, but families many of our community members and guests experience family separation at the hands of the child welfare system. The FREE Project is system impacted led and organizes parents and family members in a non judgemental space, advising on best practices and dependency court procedures We recently sponsored and passed statewide bill that eliminates major barriers to child placement and allows family members with criminal convictions unrelated to caring for children to be considered as placement options allowing for suitable family members with criminal convictions to step up in times of crisis

Employment

Through our Path to SEED program, we connect guests and community members with employment opportunities and provide training & support regarding obtaining and retaining employment, often a major hurdle for formerly incarcerated individuals.

Marshall Legal Clinic

Our free clinics provide relief for expungements, wills/trusts, immigration, and more with the support of local legal organizations

Policy Advocacy

In the past year, we’ve co sponsored and/or supported nearly a dozen statewide bills to reduce the scale of mass incarceration and its collateral consequences We’ve also worked locally to influence Riverside County to reduce criminal history look back periods from 7 years to 3 years in 2017 and to enable youth coming out of probation to be able to stay with their family members in subsidized housing

Grassroots Organizing & Civic Engagement

Our Participatory Defense organizing model (based on Silicon Valley De Bug) empowers family and community members in the courtroom to positively impact their loved one’s outcome and to bring them home. As fiscal sponsor and start up organization of Riverside All of Us or None (a chapter of a national initiative of formerly incarcerated people, family members, and allies advocating for the rights of the currently and formerly incarcerated people) we ensure that system impacted leadership remains at the center of the fight to keep our community together and address the social problems that incarceration purports to solve Our community outreach team also disseminates voter registration and public health information regarding COVID 19, and we organize food and clothing relief for community members in need.

PROPERTY INFORMATION:

Multiple Offers Received. Highest and Best due by 8:00 PM on Friday, April 22nd. Walk to Lake Lavon in minutes. This home is located in a small & quiet lake area. The home features 3 bedrooms and 2 full bathrooms, living room and eat-in kitchen. Lots of updates and special features inside. The backyard is a gardeners dream and features a large wooden deck, greenhouse, storage building, raised garden beds, and water collection system. Last but not least, cool off on hot summer days in the stock tank pool. At the end of the street is Avalon Park and the shores of Lake Lavon.

PROPERTY INFORMATION: