Communities First Ohio -- Program Summary

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Communities First Ohio -- Program Summary"

Transcription

1 HOUSING FINANCE AGENCY/PROGRAM SPONSOR DESCRIPTION AVAILABLE MARKETS ELIGIBLE LENDERS Port of Greater Cincinnati Development Authority The CommunitiesFirstOhio program provides first mortgage financing and down payment/closing cost assistance to eligible mortgagors. The down payment/closing cost assistance is in the form of a gift to the borrower. The program is created to fulfill CommunitiesFirstOhio mission to provide housing opportunities to low income individuals and families. This Program Summary is a complement to and not a substitute for First Mortgage Program guidelines. FHA, HUD 184, VA, and Rural Development guidelines apply except as modified by this program summary for the purpose of this program only. Properties located within the State of Ohio Lenders must be approved by U.S. Bank to participate in the Communities First Ohio Program. Interested lenders should contact U.S. Bank Help desk at (800) or You can also contact FirstSouthwest at (214) or ***Third party Originations are not allowed under the Program*** MASTER SERVICER & COMPLIANCE AGENT Master Servicer U.S. Bank Home Mortgage HFA Division Rockside Road Bedford, OH (800) Program Administrator/Compliance Agent First Southwest Company Attn: Sharon Gonzalez 325 North St. Paul Street, Suite 800 Dallas, TX (214) FIRST MORTGAGE PRODUCTS Purchase money and rate and term refinances of primary residences only. No cash out refinances. Product Amortization Terms FHA: Fixed Rate Sections 203(b), 234(c), & 203ks VA Fixed Rate Sections 203(b) & 234(c) Rural Development: Rural Housing Guaranteed Loan Indian Home Loan Guarantee: Section of 5 Pages

2 FIRST LOAN INTEREST RATES / LOAN RESERVATIONS DOWN PAYMENT ASSISTANCE FirstSouthwest will post First Mortgage interest rates by 9:00 a.m. ET daily. Current rates can be found at the following website The reservation window will be available from 9:00 a.m. to 7:00 p.m. ET Monday Through Friday except for Holidays All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates: 15 days is % and 30 days is 0.375% This information will be posted on the daily rate sheet. Rates can be subject to intraday pricing changes. The down payment assistance is in the form of a gift and is based on the total first mortgage loan amount. 3.0% Forgivable Grant Assistance Signed gift letter will be provided by the Port The funds may be used to fund up to 100% of the Borrower s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower s loan related costs must be used to reduce the principal amount of the First Mortgage loan. The lender must receive a compliance approval from the Compliance Agent, First Southwest Company in order to be eligible for purchase by the Servicer. Lenders front the grant at closing, on behalf of the Port, and will be reimbursed upon purchase of the Communities First Ohio Mortgage by U.S. Bank INCOME LIMITS 115% AMI -- Based on Credit Qualifying (1003) Income FHA, VA, RD & HUD The borrower s qualifying income must not exceed Program Income Limits. Limits are listed in Exhibit A attached hereto. Lenders will be responsible for ensuring that the income meets program guidelines. BORROWER ELIGIBILITY Borrower does NOT have to be a First-Time Homebuyer Determined by the First Mortgage Program selected. Non-occupying co-signors are permitted. Non-occupying co-borrowers are not permitted. LOAN PURPOSE/TRANSACTION TYPE Purchase or rate/term refinance on Primary Owner-Occupied Residence PROPERTY TYPE 1-Unit, including condominiums and PUDs 2-Unit Co-ops are NOT permitted Manufactured homes are NOT permitted 2 of 5 Pages

3 UNDERWRITING/CREDIT SCORE DEBT RATIO LTV DOWN PAYMENT INTERESTED PARTY CONTRIBUTIONS HOMEBUYER EDUCATION APPRAISAL ALLOWABLE FEES/LENDER COMPENSATION Eligible Loans may be underwritten Manually or through an automated underwriting System (DU or LP) Rural Development Loans (GUS) All borrowers MUST have a minimum representative Credit Score of 640 for all loans (660 for manufactured housing). Borrowers with representative Credit Scores below 640 are not eligible for any loan product Manual Underwrite a loan can be manually underwritten at the lenders discretion. The borrower must have a minimum credit score of 640 even if the file is being manually underwriting with the exception listed below. The maximum DTI for manually underwritten loans is 45%. Follow manual underwriting guidelines for the appropriate Government loan product allowable in the program. Exception: If a Borrower has NO Credit Score, Alternative Credit can be used for manual underwriting of the loan application. Follow the manual underwriting guidelines for the appropriate Government loan product allowable in the program. Determined by First Mortgage Program not to exceed 45% on any approved loans. LTV determined by the First Mortgage Program selected. Gift proceeds may fund up to 100% of the homebuyer s cash to close with no required minimum contribution from the borrower s own funds. Determined by the First Mortgage Program selected. Recommended, but not required. Please refer to First Mortgage Program guidelines. A full interior/exterior appraisal is required and must comply with First Mortgage program appraisal guidelines. In addition to the standard fees normally charged to the borrower (i.e. Appraisal Fee, Credit Report Fee, Flood Certification, Freight, Underwriting, Document Preparation, etc.) the following fees may also be included. If this list includes a standard fee, the amount listed below should be used. Standard fees should be itemized separately on the HUD-1. Type Amount Service Provider Loan Origination Fee Usual and customary Lender Funding Fee $ U.S. Bank Tax Service Fee $85.00 U.S. Bank Code Compliance $225 Paid at closing FirstSouthwest Service Release Premium Paid to lender at loan purchase FHA, RD & HUD % VA 2.00% 3 of 5 Pages

4 MERS ASSIGNMENTS LOAN FUNDING & CLOSING LOAN PURCHASE AND SERVICING Lender may use MERS to register and assign the First Mortgages to U.S. Bank. Lenders must fund the First Mortgage Loans at loan closing. In addition Lenders front the grant at closing, on behalf of the Port, and will be reimbursed upon purchase of the Communities First Ohio Mortgage by US Bank. U.S. Bank will purchase the first mortgage loan at a rate and price reflected on the Mortgage Commitment confirmation, less any fees, plus the applicable Service Release Premium. All loans will be sold to U.S. Bank and loan files should be mailed to the following address: U.S. Bank Home Mortgage HFA Division Rockside Road Bedford, OH (800) If you have additional questions, please contact FirstSouthwest Company: - Sharon Gonzalez Lori Wood of 5 Pages

5 Program Income Limits by County County Income Limits County Income Limits Adams 70,035 Licking 80,500 Allen 70,035 Logan 70,035 Ashland 70,035 Lorain 71,990 Ashtabula 70,035 Lucas 70,035 Athens 70,035 Madison 80,500 Auglaize 73,140 Mahoning 70,035 Belmont 70,035 Marion 70,035 Brown 70,035 Medina 71,990 Butler 78,775 Meigs 70,035 Carroll 70,035 Mercer 73,830 Champaign 70,035 Miami 70,035 Clark 70,035 Monroe 70,035 Clermont 78,775 Montgomery 70,035 Clinton 70,035 Morgan 70,035 Columbiana 70,035 Morrow 80,500 Coshocton 70,035 Muskingum 70,035 Crawford 70,035 Noble 70,035 Cuyahoga 71,990 Ottawa 70,035 Darke 70,035 Paulding 70,035 Defiance 70,035 Perry 70,035 Delaware 80,500 Pickaway 80,500 Erie 70,265 Pike 70,035 Fairfield 80,500 Portage 71,415 Fayette 70,035 Preble 70,035 Franklin 80,500 Putnam 83,720 Fulton 70,035 Richland 70,035 Gallia 70,035 Ross 70,035 Geauga 71,990 Sandusky 70,035 Greene 70,035 Scioto 70,035 Guernsey 70,035 Seneca 70,035 Hamilton 78,775 Shelby 74,290 Hancock 71,875 Stark 70,035 Hardin 70,035 Summit 71,415 Harrison 70,035 Trumbull 70,035 Henry 72,795 Tuscarawas 70,035 Highland 70,035 Union 95,105 Hocking 70,035 Van Wert 70,035 Holmes 70,035 Vinton 70,035 Huron 70,035 Warren 78,775 Jackson 70,035 Washington 70,035 Jefferson 70,035 Wayne 70,035 Knox 70,035 Williams 70,035 Lake 71,990 Wood 70,035 Lawrence 70,035 Wyandot 70,840 5 of 5 Pages

2015 Outline of Medicare Supplement Coverage Cover Page (1 of 2) Plans A, F & N Basic Benefits:

2015 Outline of Medicare Supplement Coverage Cover Page (1 of 2) Plans A, F & N Basic Benefits: Anthem Blue Cross and Blue Shield Ohio Administrative Office: P.O. Box 659801, San Antonio, TX 78265 9101 Toll Free Telephone Number: 1-866-803-5169 Benefit Chart of Medicare Supplement Plans Sold for

More information

Analysis of Proposed Tax Levies for Library Purposes

Analysis of Proposed Tax Levies for Library Purposes Analysis of Proposed Tax Levies for Library Purposes March 2013 Prepared for the Ohio Library Council by Howard Fleeter & Associates 60 East Broad Street, Suite 350 Columbus, Ohio 43215 I. Overview This

More information

STATE PERFORMANCE MANAGEMENT FOR TREATMENT SERVICES

STATE PERFORMANCE MANAGEMENT FOR TREATMENT SERVICES STATE PERFORMANCE John R. Kasich, Governor Orman Hall, Director MANAGEMENT FOR TREATMENT SERVICES Understanding and Using the Information for the BH Leadership Group Meeting January 2012 Division of Planning,

More information

To begin your search, click the red button called Click here to search for Nursing Homes.

To begin your search, click the red button called Click here to search for Nursing Homes. NURSING HOME SEARCH To search for a nursing home, either click the link called Nursing Homes (including short-term rehabilitation) or use the red menu bar at the top for Nursing Homes. At any time during

More information

***Proposed New Rule - June 2, 2016***

***Proposed New Rule - June 2, 2016*** 5123:2-9-20 Home and community-based services - money management under the individual options and level one waivers. (A) Purpose This rule defines money management and sets forth provider qualifications,

More information

Ohio PREP Region 6 Quarterly Newsletter

Ohio PREP Region 6 Quarterly Newsletter Ohio PREP Region 6 Quarterly Newsletter October 2015 Inside This Issue What is Ohio PREP 1 Goals of Ohio PREP 1 Agency Success 2 PREP Coalition 3 Upcoming PREP Training Workshops 3 Ohio PREP Regions 4

More information

The tangible personal property tax, which applies

The tangible personal property tax, which applies The tangible personal property tax, which applies to property used in business in Ohio, is gradually being phased out as part of a broader series of tax reforms enacted in 2005 by the General Assembly.

More information

Ohio Legislative Service Commission

Ohio Legislative Service Commission Ohio Legislative Service Commission Fiscal Note & Local Impact Statement Todd A. Celmar Bill: Sub. H.B. 1 of the 130th G.A. Date: June 13, 2013 Status: As Passed by the Senate Sponsor: Rep. Derickson and

More information

FORMS 1099-MISC. James Driver Federal, State, and Local Government Specialist James.driver@irs.gov 859-244-2449

FORMS 1099-MISC. James Driver Federal, State, and Local Government Specialist James.driver@irs.gov 859-244-2449 FORMS 1099-MISC James Driver Federal, State, and Local Government Specialist James.driver@irs.gov 859-244-2449 1 What is a 1099-MISC information return? Form required to report payments for: Services or,

More information

Induced Abortions in Ohio Ohio Department of Health OHIO 2013. An equal opportunity employer/provider

Induced Abortions in Ohio Ohio Department of Health OHIO 2013. An equal opportunity employer/provider OHIO 2013 Induced Abortions in Ohio Ohio Department of Health John Kasich, Governor Richard Hodges, Director of Health An equal opportunity employer/provider Induced Abortions in Ohio, 2013 Prepared by:

More information

1-237 Adams *Adams $54,253 $0 Assistance Program ADAMS COUNTY TOTAL. $67,320 $24,944 Crime Victim Services 2-056 Allen *Allen Putnam $17,091 $205,346

1-237 Adams *Adams $54,253 $0 Assistance Program ADAMS COUNTY TOTAL. $67,320 $24,944 Crime Victim Services 2-056 Allen *Allen Putnam $17,091 $205,346 2014 Grant Allocations for Web Page 1 File County Counties SVAA VOCA Reach Out Inc. 1-102 Adams *Adams $13,067 $24,944 Adams Co. Prosecutor Victims 1-237 Adams *Adams $54,253 $0 Assistance ADAMS COUNTY

More information

Master Servicer. Purchase money and rate and term refinances of primary residences only. No cash out refinances.

Master Servicer. Purchase money and rate and term refinances of primary residences only. No cash out refinances. DESCRIPTION The REI Gift100 program provides first mortgage financing and down payment/closing cost assistance to eligible mortgagors. The down payment/closing cost assistance is in the form of a gift

More information

Mortgage Solutions for First-Time Homebuyers

Mortgage Solutions for First-Time Homebuyers Mortgage Solutions for First-Time Homebuyers QUALIFIED MORTGAGES 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act. Amends Regulation Z, Truth in Lending. Must prove the ability to repay the

More information

Properties located within the State of Oklahoma. Master Servicer

Properties located within the State of Oklahoma. Master Servicer DESCRIPTION The REI Gift100 program provides first mortgage financing and down payment/closing cost assistance to eligible mortgagors. The down payment/closing cost assistance is in the form of a gift

More information

Wherever you go... You ll feel safer with MedFlight Advantage

Wherever you go... You ll feel safer with MedFlight Advantage Wherever you go... You ll feel safer with MedFlight Advantage YOUR FAMILY DE AN ADVANTAGE Industry leaders MedFlight, MedCare Ambulance and AirMed have joined forces to create a plan to protect you and

More information

Metropolitan & Micropolitan Statistical Area Definitions in Ohio Based on 2000 Census Designations**

Metropolitan & Micropolitan Statistical Area Definitions in Ohio Based on 2000 Census Designations** Metropolitan & Micropolitan Statistical Area Definitions in Ohio Based on 2000 Census Designations** * Statistical Areas in other states that include Ohio counties **Click on the letters or numbers to

More information

REI is not QM/ATR exempt. All loans must be QM loans. Master Servicer

REI is not QM/ATR exempt. All loans must be QM loans. Master Servicer DESCRIPTION The REI Gift100 program provides first mortgage financing and down payment/closing cost assistance to eligible mortgagors. The down payment/closing cost assistance is in the form of a gift

More information

Child Welfare System: Opportunities to Improve Coordination and Consistency in a Complex System April, 2013

Child Welfare System: Opportunities to Improve Coordination and Consistency in a Complex System April, 2013 Child Welfare System: Opportunities to Improve Coordination and Consistency in a Complex System April, 2013 Part I. Introduction and Background The Public Children Services Agencies (PCSAs) are the county-level

More information

polymers & chemicals Partner with the Industry Leader

polymers & chemicals Partner with the Industry Leader polymers & chemicals Partner with the Industry Leader Quick Facts Employment 87,488 people Gross State Product (GSP) $13.7 billion Average Wages $56,461 Number of Firms 1,287 Rank in 2 nd 1 st the U.S.

More information

Wherever you go... You ll feel safer with the MedFlight Advantage

Wherever you go... You ll feel safer with the MedFlight Advantage Wherever you go... You ll feel safer with the MedFlight Advantage YOUR FAMILY DESERVES AN ADVANTAGE Industry leaders MedFlight, MedCare Ambulance and AirMed have joined forces to create a plan to protect

More information

Ohio s Plug-In Electric Vehicle (PEV) Infrastructure Readiness Strategy. Joanna M. Pinkerton, PE Office of Jobs & Commerce

Ohio s Plug-In Electric Vehicle (PEV) Infrastructure Readiness Strategy. Joanna M. Pinkerton, PE Office of Jobs & Commerce Ohio s Plug-In Electric Vehicle (PEV) Infrastructure Readiness Strategy Joanna M. Pinkerton, PE Office of Jobs & Commerce Month June 26, 0, 2012 2011 Ohio s PEV Readiness Strategy Goal: To develop and

More information

DIVISION OF PAROLE AND COMMUNITY SERVICES Parole Officer Assessment Packet

DIVISION OF PAROLE AND COMMUNITY SERVICES Parole Officer Assessment Packet DIVISION OF PAROLE AND COMMUNITY SERVICES Parole Officer Assessment Packet Requirements for Employment January 2007 Attached, you will find a map of the seven Adult Parole Authority Regions, the Parole

More information

Ohio Rapid Response Vendor List

Ohio Rapid Response Vendor List Rapid Response Vendor List AIG Financial Charles Betz 3455 Mill Run Drive, Suite 100 Hilliard Zip 43026 charles.betz@agla.com Phone (614)376-9205 Transition Center, Peer to Peer Support, Job Fair Counties

More information

Ohio Air Quality 2011

Ohio Air Quality 2011 September 22 Ohio Air Quality 2 Division of Air Pollution Control John R. Kasich, Governor Mary Taylor, Lt. Governor Scott J. Nally, Director Blank Page 46 STATE OF OHIO AIR QUALITY CALENDAR YEAR 2 PREPARED

More information

S.B. 236 126th General Assembly (As Introduced)

S.B. 236 126th General Assembly (As Introduced) Jennifer A. Parker Bill Analysis Legislative Service Commission S.B. 236 126th General Assembly (As Introduced) Sen. Carey BILL SUMMARY Implements the provisions of Section 2p, Article VIII of the Ohio

More information

Ohio Department of Health

Ohio Department of Health Ohio Department of Health Oral Health Isn t Optional! A Report on the Oral Health of Ohioans and Their Access to Dental Care, 2011 Table of Contents Executive Summary 1 Section 1: Introduction 4 Section

More information

Table of Contents. List of Figures and Tables

Table of Contents. List of Figures and Tables Table of Contents Acknowledgements... 3 1.0 Executive Summary... 4 2.0 Introduction... 6 3.0 Methodology... 8 4.0 Results... 10 4.1 DS3 Services... 12 4.2 OC3 (155 Mbps) Services... 14 4.3 OC12 (622 Mbps)

More information

Grantee Telephone Program(s) Counties Served

Grantee Telephone Program(s) Counties Served Grantee Telephone Program(s) Counties Served Adams Co. Chamber of Commerce P.O. Box 398 509 E. Main Street West Union, Ohio 45693 Contact: Deana Swayne deana@adamscountychamber.org ACEnet Ventures 94 Columbus

More information

RSVP, Foster Grandparents, Senior Companions

RSVP, Foster Grandparents, Senior Companions RSVP, Foster Grandparents, Senior Companions Director, COAD/RSVP of the Ohio Valley Have served in this position for 16 years Past President, 2 terms, Ohio RSVP Directors Association Past Member, 9 years,

More information

Ann E. Teske, PhD, RN, Associate Professor, Department of Nursing, Otterbein University Heather Reed, MA, Primary Care and Rural Health

Ann E. Teske, PhD, RN, Associate Professor, Department of Nursing, Otterbein University Heather Reed, MA, Primary Care and Rural Health Ann E. Teske, PhD, RN, Associate Professor, Department of Nursing, Otterbein University Heather Reed, MA, Primary Care and Rural Health Administrator, Ohio Department of Health Exploratory Descriptive

More information

Ohio Occupational Therapy, Physical Therapy, and Athletic Trainers Board. Fiscal Year 2011 Annual Report

Ohio Occupational Therapy, Physical Therapy, and Athletic Trainers Board. Fiscal Year 2011 Annual Report Ohio Occupational Therapy, Physical Therapy, and Athletic Trainers Board Fiscal Year 2011 Annual Report Ohio Occupational Therapy, Physical Therapy, and Athletic Trainers Board 77 South High Street, 16

More information

Health insurance is changing

Health insurance is changing Health insurance is changing Anthem Blue Cross and Blue Shield is here to help! Your health benefits are changing and we ve got new choices for you. Did you know Anthem is offering Individual plans on

More information

Ohio MHAS - SFY 2015 SAPT BG PASS-THRU GRANTS

Ohio MHAS - SFY 2015 SAPT BG PASS-THRU GRANTS Allen Lima Urban Minority Alcohol Drug Abuse Outreach Program4256C UMADAOP UMADAOP 141,394 Lima-Urban Minority Alcohol Drug Abuse Outreach Prog. Inc. 4221F Womens Treatment 18,364 4224M Circle for Recovery

More information

Workforce Analysis. Erie Lorain. Stark Richland. Coshocton Delaware. Muskingum Clark Madison. Noble Greene. Monroe Fayette.

Workforce Analysis. Erie Lorain. Stark Richland. Coshocton Delaware. Muskingum Clark Madison. Noble Greene. Monroe Fayette. Workforce Analysis Williams Defiance Fulton Henry Putnam Lucas Wood Hancock Ottawa Sandusky Paulding Seneca Huron Medina Erie Lorain Cuyahoga Summit Lake Geauga Portage Ashtabula Trumbull Mahoning Van

More information

A Regional Approach to Housing

A Regional Approach to Housing A Regional Approach to Housing Disability Housing Network Conference Presentation December 1, 2011 Goals for Today Define Regional Approach Review current regional approaches in Ohio Discuss efforts underway

More information

Ohio Occupational Therapy, Physical Therapy, and Athletic Trainers Board. Fiscal Year 2012 Annual Report

Ohio Occupational Therapy, Physical Therapy, and Athletic Trainers Board. Fiscal Year 2012 Annual Report Ohio Occupational Therapy, Physical Therapy, and Athletic Trainers Board Fiscal Year 2012 Annual Report Ohio Occupational Therapy, Physical Therapy, and Athletic Trainers Board 77 South High Street, 16

More information

Early Childhood Home Visiting Community of Practice Call

Early Childhood Home Visiting Community of Practice Call Early Childhood Home Visiting Community of Practice Call June 30, 2016 Ohio Infant Mortality Reduction Initiative (OIMRI) Agenda Welcome Communications Updates Administrative Updates Data & Performance

More information

FOR A NEW BUSINESS. Location is Everything

FOR A NEW BUSINESS. Location is Everything FOR A NEW BUSINESS Location is Everything WHO IS FirstEnergy? FirstEnergy is a leading regional energy company dedicated to safety, operational excellence and responsive customer service. Our 10 regulated

More information

Medicare s 5-star rating system

Medicare s 5-star rating system NOVEMBER 2012 Medicare s 5-star rating system Every year the Centers for Medicare & Medicaid Services (CMS) uses a star system to rate Medicare Advantage plans (with or without drug coverage) and Prescription

More information

The RN & APRN Workforce in Ohio

The RN & APRN Workforce in Ohio March 2015 Ohio Action Coalition The RN & APRN Workforce in Ohio An Overview of 2013 Licensure Renewal Data This analysis of the 2013 licensure renewal data was supported by funds from the State Implementation

More information

MOVING OHIO FORWARD GRANT PROGRAM Demolition Guidelines (Revised 6/21/12)

MOVING OHIO FORWARD GRANT PROGRAM Demolition Guidelines (Revised 6/21/12) MOVING OHIO FORWARD GRANT PROGRAM Demolition Guidelines (Revised 6/21/12) FIRST ROUND Application Submission Deadline: July 2, 2012-5:00 p.m. Grant Award Date: August 1, 2012 Project Completion Date: December

More information

Hospital Status as of 6/28/16

Hospital Status as of 6/28/16 Adena Greenfield Medical Center Adena Health System Greenfield Ross Live Adena Pike Medical Center Adena Health System Waverly Highland Live AdenaRegional Medical Center Adena Health System Chillicothe

More information

INITIATIVE: PERFORMANCE METRICS AND GUIDELINES

INITIATIVE: PERFORMANCE METRICS AND GUIDELINES INITIATIVE: PERFORMANCE METRICS AND GUIDELINES SUMMARY Policy makers want to fund programs that work. Being able to measure and communicate the value achieved by investing in transit, therefore, is a critical

More information

Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Program (US Bank as Servicer) HFA 2015 Guidelines - At A Glance

Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Program (US Bank as Servicer) HFA 2015 Guidelines - At A Glance Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Program (US Bank as Servicer) HFA 2015 Guidelines - At A Glance Government Loans Freddie Mac HFA Advantage Loans Loan Products

More information

Locally Funded Services For Seniors: A Description of Levy Programs in Ohio

Locally Funded Services For Seniors: A Description of Levy Programs in Ohio Locally Funded Services For Seniors: A Description of Levy Programs in Ohio Michael Payne * Robert Applebaum * Marcus Molea** Doris E. Ross** * Scripps Gerontology Center, Miami University ** The Ohio

More information

Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Program (US Bank as Servicer) HFA 2015 Guidelines - At A Glance

Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Program (US Bank as Servicer) HFA 2015 Guidelines - At A Glance Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Program (US Bank as Servicer) HFA 2015 Guidelines - At A Glance Government Loans Loan Products FHA, VA, USDA HFA Advantage Freddie

More information

Loan Programs: Purchase or Refinance

Loan Programs: Purchase or Refinance Great News on VA Loans! Loan Programs: Purchase or Refinance We are now approved to review VA appraisals and issue a No ce of Value (NOV) for VA loans on our own! This will be handled by our in house underwri

More information

Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Program (US Bank as Servicer) HFA 2016 Guidelines - At A Glance

Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Program (US Bank as Servicer) HFA 2016 Guidelines - At A Glance Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Program (US Bank as Servicer) HFA 2016 Guidelines - At A Glance Government Loans Loan Products FHA, VA, USDA HFA Advantage Freddie

More information

Oklahoma Housing Finance Agency. Lee Ann Smith Director, Single Family Programs September 16, 2015

Oklahoma Housing Finance Agency. Lee Ann Smith Director, Single Family Programs September 16, 2015 1 Oklahoma Housing Finance Agency Lee Ann Smith Director, Single Family Programs September 16, 2015 2 OHFA Description OHFA Advantage program provides first mortgage financing and down payment assistance

More information

Office of Criminal Justice Services

Office of Criminal Justice Services Ashland County Projects 2009-RA-LSS-2401 Ashland County Commissioners Ashland County Sheriff's Office Feb 2013 car grant N 04/01/2013 08/31/2013 $29,986.00 Total Number of Ashland County Projects: 1 Total

More information

State of Ohio Hazard Identification and Risk Analysis (HIRA) Ohio Emergency Management Agency 2855 West Dublin-Granville Road Columbus, Ohio 43235

State of Ohio Hazard Identification and Risk Analysis (HIRA) Ohio Emergency Management Agency 2855 West Dublin-Granville Road Columbus, Ohio 43235 State of Ohio Hazard Identification and Risk Analysis (HIRA) Ohio Emergency Management Agency 2855 West Dublin-Granville Road Columbus, Ohio 43235 January 2011 FOREWORD This 2011 edition of the State of

More information

Genworth 2015 Cost of Care Survey Ohio

Genworth 2015 Cost of Care Survey Ohio Cost of Care Survey 2015 Genworth 2015 Cost of Care Survey Ohio State-Specific Data 118928OH 04/01/15 Ohio Homemaker Services Hourly Rates USA $8 $20 $40 $44,616 2% Ohio Whole State $16 $19 $30 $43,564

More information

Adult Protective Services: Opportunities for Savings through Economies of Scale April, 2013

Adult Protective Services: Opportunities for Savings through Economies of Scale April, 2013 Adult Protective Services: Opportunities for Savings through Economies of Scale April, 2013 Part I: Introduction and Background Adult Protective Services (APS) programs are charged with protecting vulnerable

More information

Community Perspective on AAAs

Community Perspective on AAAs Community Perspective on AAAs The Area Agencies on Aging have helped seniors stay in their homes and saved tax payers millions. The AAAs are mainstays in their communities. Around the state, community

More information

COUNTY AGENCY GRANT AMOUNT

COUNTY AGENCY GRANT AMOUNT Michael R. Miller, Acting Chief 2045 Morse Road, Building C-3 Columbus, Ohio 43229-6693 Phone: (614) 265-6480 2015 Recipients Ashtabula Ashtabula County YMCA $ 5,042.72 Athens Raccoon Creek Partnership

More information

Leading Indicators August 2014

Leading Indicators August 2014 Office of Workforce Development Bureau of Labor Market Information Leading Indicators August 1 The Ohio leading indicator index remained steady in August at 9.9, indicating there will be only weak employment

More information

Ohio 2012 Medical Professional Liability Closed Claim Report. April 2014

Ohio 2012 Medical Professional Liability Closed Claim Report. April 2014 Ohio 2012 Medical Professional Liability Closed Claim Report April 2014 Ohio Medical Professional Liability Closed Claim Report - 2012 I. Introduction Pursuant to Ohio Revised Code ( ORC ) 3929.302 and

More information

Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Program Invitation to Participate

Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Program Invitation to Participate Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Program Invitation to Participate Southeast Texas Housing Finance Corporation (SETH) is pleased to extend an invitation to its

More information

List of Contract Water and Wastewater Operators

List of Contract Water and Wastewater Operators Name of Company Contact Name Phone Number Fax Number e-mail address Available McGhee's Technical Water Service Holly McGhee 49-886-476 49-886-476 Mtwsi@aol.com B & J Environmental, Josh Goodridge 440-57-59

More information

Local Option Income Taxes. Indiana s

Local Option Income Taxes. Indiana s On Local Government Local Option Income Taxes and the Property Tax Caps Larry DeBoer Purdue University October 2013 Indiana s Local Option Income Taxes CAGIT: County Adjusted Gross Income Tax (1973) COIT:

More information

YOUNG ENTREPRENEURS CONSORTIUM

YOUNG ENTREPRENEURS CONSORTIUM YOUNG ENTREPRENEURS CONSORTIUM Inspiring young minds for great futures STUDENT ACADEMIC OFFERINGS 2015 2016 YoungMindsGreatFutures.org 1 About the Consortium The Young Entrepreneurs Consortium, is a partnership

More information

Locally Funded Services for the Older Population: A Description of Senior-Service Property-Tax Levies in Ohio

Locally Funded Services for the Older Population: A Description of Senior-Service Property-Tax Levies in Ohio Scholarly Commons at Miami University http://sc.lib.miamioh.edu Scripps Gerontology Center Scripps Gerontology Center Publications Locally Funded Services for the Older Population: A Description of Senior-Service

More information

Hospital Franchise Fee 2010 Assessments

Hospital Franchise Fee 2010 Assessments Acuity Specialty - Ohio Valley 189,639.59 Acute Care Specialty @ Altman 114,680.11 Adams County 278,353.72 Adena Regional Medical Center 2,315,063.38 Affinity Medical Center (Doctor's-Stark) 1,242,281.53

More information

Ohio 2013 Medical Professional Liability Closed Claim Report. March 2015

Ohio 2013 Medical Professional Liability Closed Claim Report. March 2015 Ohio 2013 Medical Professional Liability Closed Claim Report March 2015 Ohio Medical Professional Liability Closed Claim Report - 2013 I. Introduction Pursuant to Ohio Revised Code ( ORC ) 3929.302 and

More information

3901-1-48 "Ohio mine subsidence insurance underwriting association" and "mine subsidence insurance fund" plan of operation.

3901-1-48 Ohio mine subsidence insurance underwriting association and mine subsidence insurance fund plan of operation. ACTION: Final DATE: 09/15/2011 12:43 PM 3901-1-48 "Ohio mine subsidence insurance underwriting association" and "mine subsidence insurance fund" plan of operation. (A) Purpose The purpose of this rule

More information

CENTRAL OHIO EMERGENCY ALERT SYSTEM

CENTRAL OHIO EMERGENCY ALERT SYSTEM CENTRAL OHIO EMERGENCY ALERT SYSTEM OPERATIONAL AREA PLAN ADAMS LAWRENCE PIKE JACKSON GALLIA MEIGS VINTON ATHENS WASHINGTON BROWN HIGHLAND HAMILTON PREBLE GREENE MONTGOMERY CLARK MIAMI DARKE ROSS MERCER

More information

FIFTEENTH DAY ENROLLMENT STATISTICS

FIFTEENTH DAY ENROLLMENT STATISTICS FIFTEENTH DAY ENROLLMENT STATISTICS East Liverpool Campus Fall 11 1 1. Summary This report provides a statistical analysis of the East Liverpool Campus enrollment for the Fall 11 Term. The East Liverpool

More information

The Self-Sufficiency Standard for ohio 2013

The Self-Sufficiency Standard for ohio 2013 The Self-Sufficiency Standard for ohio 2013 Prepared for Ohio Association of Community Action Agencies ohio association of community action agencies The Ohio Association of Community Action Agencies (OACAA)

More information

HIRING INTERNATIONAL PHYSICIANS WHO NEED A J-1 WAIVER

HIRING INTERNATIONAL PHYSICIANS WHO NEED A J-1 WAIVER HIRING INTERNATIONAL PHYSICIANS WHO NEED A J-1 WAIVER presented by Michael M. Jolic and Michael H. Sharon, Sharon & Kalnoki LLC J-1 VISAS Graduate medical education or training Two (2) year home country

More information

ON THE ROAD. By Diana M. Pearce, PhD December 2015 DIRECTOR, CENTER FOR WOMEN S WELFARE UNIVERSITY OF WASHINGTON SCHOOL OF SOCIAL WORK

ON THE ROAD. By Diana M. Pearce, PhD December 2015 DIRECTOR, CENTER FOR WOMEN S WELFARE UNIVERSITY OF WASHINGTON SCHOOL OF SOCIAL WORK ON THE ROAD Exploring Economic Security Pathways in Ohio By Diana M. Pearce, PhD December 2015 DIRECTOR, CENTER FOR WOMEN S WELFARE UNIVERSITY OF WASHINGTON SCHOOL OF SOCIAL WORK Prepared for the Ohio

More information

Madeira Schools Planning Commission. Alternate Ways of Generating Revenue. February 14, 2013

Madeira Schools Planning Commission. Alternate Ways of Generating Revenue. February 14, 2013 Madeira Schools Planning Commission Alternate Ways of Generating Revenue February 14, 2013 Committee Members: John Harrington Ginger Madden Kathy Justice James Smith Beth Pohlman Richard Palmer Resources:

More information

Commission on Minority Health

Commission on Minority Health MIH - Overview Commission on Minority Health More than 200 grants expected to be administered in FY - biennium Subsidies for Lupus Program remain steady at approximately $187,000 per year OVERVIEW The

More information

DESCRIPTION AVAILABLE MARKETS ELIGIBLE LENDERS SERVICER/ COMPLIANCE AGENT FIRST MORTGAGE PRODUCTS FIRST LOAN INTEREST RATES

DESCRIPTION AVAILABLE MARKETS ELIGIBLE LENDERS SERVICER/ COMPLIANCE AGENT FIRST MORTGAGE PRODUCTS FIRST LOAN INTEREST RATES DESCRIPTION This is a First and Second Loan Program offering closing cost assistance designed to increase homeownership opportunities for low to moderate income individuals and families. This Program Summary

More information

Next Home Government Program Term Sheet Effective December 1, 2015

Next Home Government Program Term Sheet Effective December 1, 2015 Next Home Government Program Term Sheet Effective December 1, 2015 This Program Term Sheet ( Program Term Sheet as referenced in the Master Origination and Sale Agreement, HFA Guidelines as expressed in

More information

July 9, 2015 Real Estate Agent. Investing in quality housing solutions.

July 9, 2015 Real Estate Agent. Investing in quality housing solutions. July 9, 2015 Real Estate Agent Investing in quality housing solutions. KHC Program Guide Real Estate Agents July 9, 2015 New MRB/KHC Home Buyer Tax Credit Household Income Limits Effective with reservations

More information

Technology Barriers and Adoption in Rural Appalachian Ohio

Technology Barriers and Adoption in Rural Appalachian Ohio Technology Barriers and Adoption December 9, 2011 The Appalachian region of Ohio is distinct from the rest of the state with its rich cultural tradition and history, as well as a unique natural environment.

More information

Racial and Ethnic Disparities in 2011 Ohio Mortgage Lending

Racial and Ethnic Disparities in 2011 Ohio Mortgage Lending Racial and Ethnic Disparities in 2011 Ohio Mortgage Lending KRISSIE WELLS KI-DUK PARK March 2013 HOUSING RESEARCH & ADVOCACY CENTER 2728 EUCLID AVENUE, SUITE 200 CLEVELAND, OHIO 44115 (216) 361-9240 (PHONE)

More information

State of Ohio Capital improvements Apprpriations for FYs 2003-2004 County Breakdown of Projects in H.B. 675, As Introduced

State of Ohio Capital improvements Apprpriations for FYs 2003-2004 County Breakdown of Projects in H.B. 675, As Introduced County and ing Agency Allen Natural Resources, Department of 035 CAP-727 Spencerville Canal Improvement $100,000 Rhodes State College (Lima Tech) 034 CAP-004 Basic Renovations $316,757 Rhodes State College

More information

Average Illinois 2nd Lowest Cost Silver Plans Cost Less Than Projected $312. Chicago Peoria ASPE-Derived Estimates from CBO

Average Illinois 2nd Lowest Cost Silver Plans Cost Less Than Projected $312. Chicago Peoria ASPE-Derived Estimates from CBO Rate Levels Rates for benchmark plans are more than 25 percent below U.S. Health and Human Services (HHS) estimates based on Congressional Budget Office (CBO) projections $450 $400 $350 Average Illinois

More information

Personal Property New Taxpayer Return

Personal Property New Taxpayer Return Form 920NT Rev. 11/07 2008 Personal Property New Taxpayer Return File this return in duplicate with your county auditor within 90 days of starting business. No payment is required if the total tax due

More information

Community-based Care Transitions Program

Community-based Care Transitions Program Name of Initiative Organization Name Access East Community-based Transitional Partnership Aging & In-Home Services of Northeast Indiana Aging and Long Term Care of Eastern Washington Akron/Canton, Ohio

More information

Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Program Invitation to Participate

Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Program Invitation to Participate Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Program Invitation to Participate Southeast Texas Housing Finance Corporation (SETH) is pleased to extend an invitation to its

More information

Public School Funding: State Aid and Property Taxes

Public School Funding: State Aid and Property Taxes Purdue Cooperative Extension Service Public School Funding: State Aid and Property Taxes Larry DeBoer Department of Agricultural Economics Purdue University September 23, 2011 For more information DeBoer

More information

Ohio Broadband Providers By County

Ohio Broadband Providers By County COUNTY PROVIDER Ohio Broadband Providers By County PROVIDER DOING- BUSINESS-AS NAME June 12, 2015 TECHNOLOGY WEBSITE MAXIMUM ADVERTISED DOWNLOAD SPEED (Mbps) MAXIMUM ADVERTISED UPLOAD SPEED (Mbps) Adas

More information

22 nd Annual Report on the Cost of Health Insurance in Ohio s Public Sector

22 nd Annual Report on the Cost of Health Insurance in Ohio s Public Sector State Employment Relations Board Research and Training Section 2014 22 nd Annual Report on the Cost of Health Insurance in Ohio s Public Sector SERB Chair W. Craig Zimpher SERB Vice Chair Aaron Schmidt

More information

Commission on Minority Health

Commission on Minority Health Commission on Minority Health House Human Services Subcommittee Chris Murray, Economist Legislative Service Commission March 5, 2003 Additional copies are available on our website at www.lsc.state.oh.us

More information

Indiana Department of Homeland Security July 2007 Statewide Amateur Radio Emergency Communications Test

Indiana Department of Homeland Security July 2007 Statewide Amateur Radio Emergency Communications Test 8OM 8OM 6 M 40 M 2 M 440 6 M FM ECHO LINK LOCAL NET CHECK-IN S Adams Yes Allen Bartholomew 7 Benton Blackford Boone Brown Carroll Cass Clark Clay Clinton Crawford Daviess Dearborn Decatur Dekalb Delaware

More information

Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Program Invitation to Participate

Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Program Invitation to Participate Southeast Texas Housing Finance Corporation (SETH) 5 Star Texas Advantage Program Invitation to Participate Southeast Texas Housing Finance Corporation (SETH) is pleased to extend an invitation to its

More information

FIFTEENTH DAY ENROLLMENT STATISTICS

FIFTEENTH DAY ENROLLMENT STATISTICS FIFTEENTH DAY ENROLLMENT STATISTICS East Liverpool Campus Summer I&II 13 1 1. Summary This report provides a statistical analysis of the East Liverpool Campus enrollment for the Summer I&II 13 Term. The

More information

The Impact of Hardening in the Homeowner's Insurance Market on Ohio Residential Real Estate Brokerage Markets

The Impact of Hardening in the Homeowner's Insurance Market on Ohio Residential Real Estate Brokerage Markets The Impact of Hardening in the Homeowner's Insurance Market on Ohio Residential Real Estate Brokerage Markets Research Report submitted to: Ohio Department of Commerce, Division of Real Estate & Professional

More information

Employment Discrimination. Rights and Remedies for People With Disabilities

Employment Discrimination. Rights and Remedies for People With Disabilities Employment Discrimination Rights and Remedies for People With Disabilities March 2010 This booklet, written by staff attorneys at Legal Rights Service (LRS), summarizes employment rights protection and

More information

School Commander Manual for Peace Officer Basic Training

School Commander Manual for Peace Officer Basic Training School Commander Manual for Peace Officer Basic Training Effective 01/01/2015 Dear Commander, On behalf of the Ohio Peace Officer Training Commission, (OPOTC) I m pleased to provide you with the Ohio Peace

More information

Minnesota Housing & U.S. Bank Home Mortgage- MRBP Division. Product and Underwriting Guidelines

Minnesota Housing & U.S. Bank Home Mortgage- MRBP Division. Product and Underwriting Guidelines Minnesota Housing & U.S. Bank Home Mortgage- MRBP Division Product and Underwriting Guidelines Lou Caresani 2014 Agenda Minnesota Housing vs. US Bank Roles and Responsibilities US Bank Home Mortgage- MRBP

More information

Take charge of your health.

Take charge of your health. Take charge of your health. Choose Aetna, Choose Affordable Coverage The information you need to choose quality and affordable health benefits and insurance coverage. 63.43.300.1 (1/11) LEARN ABOUT YOUR

More information

U.S. County Fast Facts

U.S. County Fast Facts Adams County, OH Total Population 28,550 2,994,520 11,536,504 308,745,538 Population, % change from 2000-2010 4.5% 2.1% 1.6% 9.7% Persons under 18, percent, 2010 25.0% 24.3% 23.7% 24.0% Persons 65 and

More information

Evidence of Coverage:

Evidence of Coverage: January 1 December 31, 2015 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of HealthSpan Medicare Standard (HMO) This booklet gives you the

More information

INITIATIVE: TRANSIT TECHNOLOGY NEEDS

INITIATIVE: TRANSIT TECHNOLOGY NEEDS INITIATIVE: TRANSIT TECHNOLOGY NEEDS SUMMARY The transit industry, like nearly every sector of the economy, has increasingly employed technology to improve service, management, and operations. Innovations

More information

2015 Medicare Product Medicare Advantage. Dual Eligible Special Needs Plan (DSNP) Overview

2015 Medicare Product Medicare Advantage. Dual Eligible Special Needs Plan (DSNP) Overview 2015 Medicare Product Medicare Advantage Dual Eligible Special Needs Plan (DSNP) Overview 1 Dual Eligible Special Needs Plan (DSNP) Overview What is a Special Needs Plan? Medicare Part C Medicare Advantage

More information

FIFTEENTH DAY ENROLLMENT STATISTICS

FIFTEENTH DAY ENROLLMENT STATISTICS FIFTEENTH DAY ENROLLMENT STATISTICS East Liverpool Campus Spring 11 1 1. Summary This report provides a statistical analysis of the East Liverpool Campus enrollment for the Spring 11 Term. The East Liverpool

More information

Procedural Guide (Effective 9/1/2013)

Procedural Guide (Effective 9/1/2013) Ohio Mine Subsidence Insurance Underwriting Association 2500 Corporate Exchange Drive-Suite 250 Columbus, Ohio 43231 614-839-6446/800-282-1772 www.ohiominesubsidence.com Procedural Guide (Effective 9/1/2013)

More information