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By Tammy Bruce
Topic - Virginia Housing Development Authority
Whether you are a highly educated, experienced investor or a young professional eager to become the first homeowner in your family, a homeowner education class can be an invaluable resource.
Virginia's Health Reform Initiative Advisory Council is busy prepping final recommendations on how to set up a state health benefits exchange as mandated by President Obama's health care overhaul — even as the commonwealth remains locked in litigation over the constitutionality of the law.
Most prospective homebuyers are aware of today's stricter lending standards, but they also face another challenge when it comes to buying a home: the need for down-payment funds. At the height of the housing boom, a variety of no-down-payment loans were available, but those types of loans are rare in today's tightened credit market.
Despite the end of the federal homebuyer tax credit - home-purchase contracts had to be signed and ratified by April 30 to qualify - potential homebuyers have plenty of other opportunities for down-payment and closing-cost assistance along with low-interest mortgage loans that can make it easier to afford a home.