Sustainable Home Building Accelerator Series

Table of Content

• Select the Right Building Assemblies
• Building a Sustainable Home - Melissa Rappaport Schifman
• Download Green Building A to Z Book in PDF, Epub and Kindle
• Building Sustainable Homes
• of the Best Books About Sustainable Home Design

The fact that doing the right thing is a motivating factor reflects a fundamental optimism in our future. Not only do we have to believe that one’s individual purchasing decisions can make a difference, we have to believe that humans can exist in harmony with nature. And that philosophical outlook is possibly the single best thing about the sustainability movement. While there are some examples of homes in the United States that have achieved or come close to achieving true sustainability , it is rare, difficult, and expensive. We did not aspire to achieve this BHAG ¹ because frankly, it sounded too hard, too expensive, and too unrealistic.

The quality is excellent and for this low price and 100% Money back guarantee, you have nothing to lose. Select the right-sized mechanical systems and incorporate renewable energy sources to achieve long term comfort and savings. It’s the perfect jumping-off point for those not yet familiar with the concept of compact living — and don’t let the relatively small size fool you. Their partnership with 1% for the Planet ensures that their donations are legitimate—no greenwashing here!

Select the Right Building Assemblies

It seemed like not just the responsible route to take, but really the only route for me and our family. Learn the logistics of choosing windows, insulation, appliances, and lighting. Find out about FSC certified wood and about using reclaimed materials.

If everyone was able to read this book it could change the entire industry for the better. First, the LEED for Homes Rating System is an extremely robust set of guidelines and green building principles developed by experts from many different fields in the building industry. It is holistic in both breadth and depth, but more importantly, it provides metrics by which we can define and measure our performance. These metrics help us wrap our brain around what we actually mean by building green. In 2006, my husband Jim and I embarked on a journey that would take almost three years and more of our time and energy—and money—than either of us had ever imagined.

Building a Sustainable Home - Melissa Rappaport Schifman

Going for LEED certification seemed extremely aspirational to us at the time. Plus, receive recommendations and exclusive offers on all of your favorite books and authors from Simon & Schuster. Melissa Schifman became the Twin Cities’ fifth LEED for Homes Accredited Professional and completed the work necessary to get her own home LEED Gold Certified. She founded Green Intention LLC, where she writes and blogs about sustainable home living. As something of an eco-materials encyclopedia — it has everything you need to assess a new material’s suitability for any given project. Rebuildingcommunity.org devoted to sustainable disaster relief around the world.

Josh shows how to create a family home that is comfortable year-round, without the need for air conditioning or additional heating, how to integrate solar power to cover household needs, and how to reduce water usage by integrating rainwater tanks and greywater recycling systems. He also discusses how to cleverly incorporate organic food production in the garden while maintaining a highly attractive space that improves health and wellbeing. Illustrated throughout with photos, plans, charts, diagrams and useful statistics and measurements, The Sustainable House Handbook is an accessible, easy-to-follow resource for anyone planning their dream house, or thinking about how to live more sustainably. Sustainable housing is generally used to describe housing that is environmentally friendly and resource-efficient over the lifetime of the building. Homes are designed to have the least possible negative impact on the environment. This means energy efficiency, avoiding environmental toxins, and responsibly using materials and resources while having positive physical and psychological effects on inhabitants.

Download Green Building A to Z Book in PDF, Epub and Kindle

This book presents a comprehensive overview of sustainable housing, starting from legislation and ending with the design and configuration of homes. A simple, clear, thorough, and complete explanation of basic building science applicable to any building in any climate. This book also includes sections on designing building enclosures, indoor air quality, choosing heating and cooling systems, and how to ventilate, heat, and cool different types of buildings. Beyond simply being energy-efficient, net-zero homes produce as much energy as they consume and are carbon neutral. In The New Net Zero, sustainable architect Bill Maclay charts the path for designers, builders, and homeowners interested in exploring eco-friendly home design’s new net-zero frontier.

From heating and cooling solutions to wind energy systems, solar paneling, thermal glazing, and even Trombe walls, the ideas featured inside are complemented by photographs and architectural plans of gorgeous, sustainable houses around the world. If you’re looking for details about building a green home, this isn’t the book for you. But, if you’re looking for inspiration, you’ll find more than your fair share in this 504 page tome. There’s a little something for everyone in this tale of what makes a home truly water-wise. In this book you’ll find crystal-clear DIY guidance for the planning, design, and implementation of different systems, with gorgeous and relevant illustrations at every turn.

Building Sustainable Homes

Energyconservationinfo.org has numerous links with descriptions about alternative construction and energy. Mcdonough.com William McDonough's site features articles by and about him and his radical ideas for transforming design into an art of creating no waste. Homebuilding.co.uk The A-Z of Green Homes from the UK's Homebuilding & Renovating Magazine. The books shown below are arranged according to when they were published, with the most recent ones at the top. 2+ hours of video lessons, digital construction graphics, expert guests, live round-table discussion, and Q&A.

Now, for the first time ever, the time-tested, proven techniques perfected by the world-famous Dale Carnegie® sales training program are available in book form. #1 New York Times bestselling author Brandon Sanderson's epic Mistborn Trilogy continues with The Well of Ascension. From #1 New York Times bestselling author Brandon Sanderson, the Mistborn series is a heist story of political intrigue and magical, martial-arts action.

My love for nature and the outdoors, the place where my soul is nourished, necessitates caring for Mother Earth. So the seeds of a green lifestyle were sown in my genes and my upbringing. But it was when I became a mother that a new, fiercely focused dedication to creating a healthy home for my family sprouted. Have you found yourself wondering what the benefits to prefab homes are? Koones spends plenty of time dispelling the myths surrounding prefabricated homes, in an approachable manner that would appeal to even the biggest skeptics.

Greenbuildingelements.com is a blog-style magazine featuring articles by various professionals related to all aspects of sustainable design. Construction.com McGraw Hill Construction Community Forum has many threads related to sustainable architecture. Quiethut.com A guide to green building with lots of pertinent links. How to build a resilient, comfortable home using cutting-edge foundation and framing options and modern products and materials that are durable and resource-efficient. How to build a resilient, comfortable home using cutting-edge foundation and framing options, as well as modern products and materials that are durable and resource-efficient.

Certification can be achieved at four levels, with a minimum of 45 points for base-level certification, 60 points for silver, 75 points for gold, and 90 points for platinum, out of 136 total possible points. It should be noted that any level requires that all eighteen prerequisites be met. If even one prerequisite is not met, the building cannot be certified. On May 18, 2011, our home became the eleventh LEED certified home in Minneapolis and the thirty-second in the state of Minnesota. I had appointed myself as the LEED project manager because I wanted to understand how it all worked.

"It's all here. Everything you need to know about designing a sustainable home, for you, your family and the planet. Easy to read and understand while tackling a myriad of complex subjects. Well illustrated and filled with useful information." Epa.gov/sustainability this tool allows people to search for specific sustainable resources from the government. Inika.com this Indian firm combines many aspects of sustainable architecture in their designs. Website features a vast collection of articles about most aspects of sustainable building.

Ideal for owner-builders and sustainable building contractors working with clients aiming to design and build a sustainable home. Essential Sustainable Home Design walks potential homebuilders through the process starting with key concepts, principles, and a project vision that will guide the house to completion. Home Buyers Handbook can give you the secrets to making home ownership easier through a simplified system of buying new homes. If you want to purchase a new home or find more homes for yourself and require assistance with the correct procedure to follow, this product will help you. The purchase of forms is challenged by a wide range of pullback factors that make it harder and harder for you to buy a home.

Hopedance.org magazine for finding pathways to sustainable living and positive solutions. Motherearthnews.com Mother Earth News has provided solid information on many topics related to sustainable living for several decades, and now many of these articles are available on-line. Dsireusa.org The Database of State Incentives for Renewable Energy is a comprehensive source of information on state, local, utility, and selected federal incentives that promote renewable energy. Sustainablesources.com features a calendar of events related to sustainable living which can be updated by visitors online.

20+ Best Mexican Recipes Easy Mexican Dinner Ideas

Table of Content

• Spicy Pork & Green Chili Verde
• Easy Flourless Chocolate Torte
• Sopa de Lima (Lime Soup)
• Pulled pork carnitas
• Pressure-Cooker Beef Carnitas

Get regular updates from New York Times Cooking, with recipe suggestions, cooking tips and shopping advice. Stirring cranberry or pomegranate juice into confectioners’ sugar creates a tangy, pink glaze to pour over this Bundt cake. Drizzle these fried sopaipillas with honey and add a sprinkle of cinnamon. Enjoy this pan dulce for dessert or for breakfast (with coffee!). This sweet rice pudding is spiced with cinnamon and raisins. Featuring walnuts and pomegranate seeds, this is traditionally a fall dish.

From homestyle comfort food to exotic dishes from around the world. The fun thing about this dish is its versatility. It can be made as an appetizer or even a snack, and it's pretty simple.

Spicy Pork & Green Chili Verde

Tuck into this Mexican-style tikin xic, where sea bream is marinated in a blend of garlic, cinnamon, cloves, achiote paste and orange juice, then baked in banana leaves. You can’t have a Tex-Mex feast without a side of refried beans. Sprinkle over coriander, pickled jalapeños and feta for extra oomph. Hibiscus Margaritas – infused with ginger and a whisper of clove.

You gotta try mango salsa in the summer time when you see some juicy, ripe mangoes. All you doing is chopping and mixing a few ingredients. Great for get togethers and potlucks alongside plenty of tortilla chips. Or use it as topping for tacos or over baked chicken or fish like our baked salmon with mango salsa. There is nothing better to start a day than a hearty, tasty breakfast. Load your favorite kind of tortillas with scrambled eggs, chorizo sausage, breakfast potatoes along with fresh pico de gallo, avocado and Mexican cheese.

Easy Flourless Chocolate Torte

I’d love to connect sometime and talk food – you can find my site (I think we have the same wordpress template!) at tastynfree.com. Originating from Oaxaca, Tlayludas are kinda like Mexican Pizza. This lightened-up VEGAN version is loaded up with healthy veggies…. Feel free to “beef these up” with chorizo and Mexican string cheese for a more authentic vibe. A flavorful recipe for Chicken Mole Negro is made with Black Mole Sauce- smoky, spicy and nutty with dried chilies, and a hint of chocolate. Inspired by the classic Mexican dish, these roasted cauliflower tacos paired with a colorful, crunchy taco slaw might be our new favorite taco recipe.

In fact, we make most of our meals on the barbecue when the weather cooperates. Cooking and eating with loved ones is one of life's greatest pleasures, but choosing what to cook isn't always easy. It's the season that is welcome after a well-enjoyed summer. "These sweet tamales with orange, almonds, and raisins are eaten as a dessert in Mexico," says AnaMaría. "Try to find extra sweet ripe oranges for the best flavor."

Sopa de Lima (Lime Soup)

These authentic homemade tamales are stuffed with a homemade chicken and masa filling made with tomatillos and two types of chile pepper . "This authentic homemade tamales recipe comes from the Mexican region Oaxaca," says mega. The cuisine of this Gulf state features tropical influences due to the climate and proximity to the Caribbean.

This smokey salsa is made out of freshly-grilled veggies will be the first app demolished at your next gathering. A simple combination of tomatillos, garlic, cilantro, chile pepper, and onion yields a vibrant and tart salsa. Pineapple juice and muddled jalapeños give this 3-ingredient tequila punch a pop of flavor. There's no end to all the ways you can eat these slow-cooked beans.

Just a simple addition of a few ingredients, and a few extra moments of effort are all it takes to transform your rice. Looking to entertain with minimum time cooking? This disguises tons of veggie power for your little ones. Learn to make pozole and pollo asado, flavors you might not be familiar with. Try new soups like albondigas soup or fun appetizers like queso fundido, and new breakfast flavors like huevos rancheros. Christmas dinner is the highlight of the holiday season.

And with guidelines that are easy to follow. Remember to add flavorful condiments and sauces . The secret to super-addictive guac is grilled avocados. Throw a steak on the grill while you're at it, to serve with the dip.

From light and crispy quesadillas to rich and savory chilaquiles , these recipes show how versatile Mexican cuisine is. Whether you're looking for a light, easy recipe to make lunch or for a dinner fit to feed a crowd, you're bound to find something delicious to whip up here. No matter what the occasion, here are the best Mexican recipes to try this week.

Our barbacoa lamb carnitas make the ideal centrepiece, along with enchiladas, fajitas and tacos. Whip up some sides such as lime and paprika elotes and get the Mexican-themed cocktails flowing . For a mid-week Mexican dinner, try charred sweetcorn soup or our easy quesadilla filling ideas. Place the pork in a large saucepan and just cover with lightly salted water. Add ½ of the chopped onion, ½ of the chopped garlic as well as the pepper, cumin and oregano.

The arid climate of Mexico's northern region is more suitable for raising livestock than growing crops. This recipe takes machaca—a dish of seasoned, dried, then rehydrated beef—and tweaks it for the slow cooker. Once upon a time , the Caesar's restaurant at the Hotel Cesar in Tijuana ran out of lunch. To solve the problem, the crafty restaurateur Caesar Cardini threw together a romaine salad with croutons, cheese, lemon juice, olive oil, egg, and so much more. "Mmm! This is great stuff! Most machaca burritos have green bell peppers in them, but this recipe doesn't. Add it if you like—sliced—and cook with the onions."

This cooked salsa is a flavorful addition to your favorite burrito or taco. Your Mexican meal may not seem complete without Mexican rice. It's a standard side dish at Tex-Mex and Mexican restaurants in the United States, and incredibly easy to make at home. You can even use whatever chopped vegetables you have in the kitchen.

This One Skillet Mexican Casserole only takes 10 minutes of hands on time and is loaded with great flavors. Many people today don't want the fuss of preparing meals with numerous ingredients and processes. Allrecipes is part of the Dotdash Meredith publishing family.

70 Regional Mexican Food Recipes To Make At Home

Table of Content

• Spicy Pork & Green Chili Verde
• Homemade Tortillas (3 ways!)
• Grilled Cumin Lime Chicken
• Mango Salsa
• Mole Poblano with Chicken
• Oaxacan Bowl

This recipe comes from Tacos Padre, a stall at London's Borough Market. It's a vibrant celebration of crabmeat and is best garnished with coriander, jalapeños and fresh lime. I have made most of the recipes and they are all great.

In fact, we make most of our meals on the barbecue when the weather cooperates. Cooking and eating with loved ones is one of life's greatest pleasures, but choosing what to cook isn't always easy. It's the season that is welcome after a well-enjoyed summer. "These sweet tamales with orange, almonds, and raisins are eaten as a dessert in Mexico," says AnaMaría. "Try to find extra sweet ripe oranges for the best flavor."

Spicy Pork & Green Chili Verde

All the delicious flavors happen with a few simple ingredients. Simple marinade and sauce made with cilantro, olive oil, soy sauce, orange and lime juice, garlic, jalapeno and cumin create the flavor wonder. A quintessential Mexican dish, pork loin is marinated in a savory and aromatic chipotle chile, vinegar, and fresh pineapple sauce, and then grilled and coarsely chopped. Serve with warm corn tortillas, tomatillos salsa, and lemon or lime wedges. We have plenty of healthy dinner ideas made with eggs. A healthy way to add protein and nutrients to your meal, these delicious egg recipes can be enjoyed for dinner any day of the week with these simple and easy recipes.

In a small bowl, combine the mayonnaise, lime juice, chili powder, cayenne, and salt and mix until combined. In a separate bowl, mix the cheese and cilantro. When the mealies are ready, remove them from the braai, place them on a large plate and brush the mayonnaise mixture all over each one. The recipes you have in the list are so fresh, beautiful, unique and inspiring!

Homemade Tortillas (3 ways!)

"This easy Mexican guacamole with corn and tomatoes tastes great with corn chips," says Ana Maria Gonzalez. "As with all guacamole recipes, make sure you are using ripe avocados." Tortas are a traditional Mexican sandwich with layers of flavors and ingredients stacked on a big fluffy roll known as a bolillo, tortero or pan francés depending on the region. This torta fuses in some Asian flavors all wrapped around a succulent marinated pork loin. The corn tortilla is one of the most essential parts of Mexican cuisine. Made of ground, nixtamalized corn that has been turned into dough, pressed flat and heated, they are used to hold tacos, to wrap enchiladas and to dip in sauces.

Pin or bookmark this post for an easy return to all these delicious flavors. Ceviche – This shrimp ceviche is a fresh, delicious appetizer that will win everyone’s heart in no time. It takes minutes to whip this up, and you can serve it at your next get together along with chips or over crispy tostadas. Make a huge batch and it’s a perfect meal prep candidate for unlimited tacos, burritos, salads and nachos. These carnitas will be your next favorite keeper when it comes to Mexican food. If you like HOT, this classic Salsa Taquera is for you.

Grilled Cumin Lime Chicken

Every family has their own traditional meal. Whether you celebrate Taco Tuesday every week or like to dig into delicious tacos occasionally you have got to try these tasty and... Easy doesn’t even really begin with this one. It’s a one bowl mix all-the-things together and voila! What makes this Mexican is the spices in it, along with the cilantro.

Tuck into this Mexican-style tikin xic, where sea bream is marinated in a blend of garlic, cinnamon, cloves, achiote paste and orange juice, then baked in banana leaves. You can’t have a Tex-Mex feast without a side of refried beans. Sprinkle over coriander, pickled jalapeños and feta for extra oomph. Hibiscus Margaritas – infused with ginger and a whisper of clove.

Mango Salsa

Curious about incorporating other kinds of protein into your diet? Chapulines are a favorite snack in Oaxaca, and are commonly eaten in tacos. In this recipe, the chapulines are fried up and served on warm tortillas with guacamole, mojo de ajo and a tomatillo-chipotle salsa. This fresh Mexican chopped salad is substantial enough to serve as a light main course on its own, or as a side dish. Either way, this delicious, healthy dish is packed with fiber-rich black beans and plenty of fresh herbs and vegetables. If you're like me, your favorite part of enjoying a meal of Mexican food may very well be the appetizers.

From homestyle comfort food to exotic dishes from around the world. The fun thing about this dish is its versatility. It can be made as an appetizer or even a snack, and it's pretty simple.

Love Food? Love Travel?

Every sip is loaded with delicious, bold Mexican flavors. This albondigas soup is a comfort pot of beef and rice meatballs simmered with plenty of veggies like potatoes, carrots and zucchini. Everyone has seen sheet pan dinners going around the interwebs, but the most fun are undoubtedly fajitas. There's no end to the creativity one can take when making fajitas and anything from guacamole to salsa and even a fried egg are all fair game.

I would like to prepare something almost 100% ahead of time and was looking for something more interesting than enchiladas. Our kitchen and entertaining space is not huge, so being able to prepare everything prior to guests and simply pop a couple casserole dishes in the oven is key. I also have guests attending who do not eat beef or shellfish, so I was considering a chicken option as well as a vegetarian option. A delicious recipe for Pozole Verde- a flavorful Mexican stew made with tomatillos, green chilies, chicken and hominy, topped with cilantro, avocado and red onions.

Don't worry, your slow-cooker will do the work for you in making a tender carnitas filling. Ditch the syrupy slush that covers bottom-shelf tequila and blend a batch with better ingredients right at home. Any excuse to kick off your night with margaritas and chips and salsa is a good one.

Veggie burrito bowls are a one-stop shop, delivering the best part of a burrito — the filling! — with tender brown rice, smoky pinto beans, and fresh veggies, all topped with a dollop of citrusy sour cream. Now you can see this one is for spice lovers by just looking at the photo. Camarones a la Diabla are also known as Diablo Shrimp or Mexican deviled shrimp.

When Can I Get a Mortgage After Bankruptcy?

Table of Content

• Government-Backed Loans
• What Are Fha Loans
• Mortgage After Chapter 7 Discharge
• Steps To Take While You Wait
• How Soon Can I Qualify For A Mortgage After Bankruptcy

While it is possible to get a mortgage after bankruptcy, it can be quite challenging. Keep in mind that preapproval and prequalification aren’t the same. This means that they often hold less weight than a preapproval. The type of bankruptcy you have on your record and the type of loan you want. When you borrow from your home equity, it can take years to repay the loan and regain that equity. If you sell your home while you still have a balance, you’ll have to use part of your profit to pay back the loan.

They are not guaranteed by the government, but they typically have the best interest rates and terms, which means lower monthly payments. The most common type of conventional mortgage is 30-year fixed-rate, which accounted for 79% of mortgages between 2019 and 2021, according to ICE Mortgage Technology. Some lenders, such as credit card and even certain car loan creditors, will take a chance on you right after you emerge from bankruptcy. Do your future self a favor and use this time to repair your credit.

Government-Backed Loans

One of the benefits of bankruptcy is that it erases debts and puts you in a better position to qualify for a home. While you don’t need to wait for a bankruptcy to disappear from your credit report to get a mortgage, you must adhere to a waiting period before applying. How long you’ll have to wait depends on the type of bankruptcy you file, as well as the type of mortgage you plan to get. If extenuating circumstances are present — such as a divorce, job loss, illness, death of a primary earner or other unforeseeable events — you may qualify for a home loan sooner.

Long-term mortgages typically have higher rates but offer more protection against rising interest rates. Penalties for breaking a long-term mortgage can be higher for this type of term. A mortgage is a loan to help you cover the cost of buying a home. It is entirely possible to get an auto loan after a bankruptcy, but you will have to meet certain requirements set forth by a lender. There are also a few things that you can do to help your chances of getting approved.

What Are Fha Loans

However, if your question is of interest to a wide audience of consumers, the Experian team may include it in a future post and may also share responses in its social media outreach. If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well. Second, a preapproval tells real estate agents and sellers that you can secure the funding you need to buy the home you want to make an offer on.

You do, of course, want to be mindful of your financial situation and make sure your monthly income is sufficient before taking on any new debt. And not all creditors will be quite as quick to offer a loan, especially if it’s for a significant amount like a home purchase. A bi-weekly mortgage is a mortgage in which the borrower makes half of their monthly mortgage payment every two weeks, rather than paying the full payment amount once every month.

Mortgage After Chapter 7 Discharge

By law a creditor cannot report any debt discharged in bankruptcy as being currently owed, late, outstanding, having a balance due, or converted as some new type of debt . If something like this appears on your credit report, contact the credit agency right away to dispute the mistake and have it corrected. Although you will be able to get a mortgage after a chapter 7 discharge with a credit score as low as 500, the higher the score, the lower your down payment will be.

An automatic stay means that creditors must stop collection efforts. AFSA points out that learning to budget and save can “go a long way towards helping you build a new life”. Your ability to land a home loan can also depend on which lender you choose. With Chapter 7 bankruptcy, FHA and VA mortgage regulations require a two-year waiting period from the time of bankruptcy discharge. That’s the point the court released you from your debts, not the time you filed.

Steps To Take While You Wait

We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Founded in 1976, Bankrate has a long track record of helping people make smart financial choices.

Low- and middle-income borrowers willing to purchase a home in a rural community will benefit from this loan. It offers a low-interest, no down payment option for those who might not otherwise be able to qualify for conventional financing. In this article, you'll learn about common mortgage loans and the respective eligibility requirements for bankruptcy filers. While you may not lose your home as part of the bankruptcy itself, it could be repossessed if youre behind on your mortgage payments.

How Soon Can I Qualify For A Mortgage After Bankruptcy

But with an FHA loan, you can buy a home with a credit score as low as 580 points. You may even qualify for a loan with a score as low as 500 points if you have a down payment of at least 10%. Like a Chapter 7 bankruptcy, standards are a bit more relaxed for government-backed loans. USDA loans require a 1-year waiting period after a Chapter 13 bankruptcy. This waiting period is the same whether you get a discharge or dismissal. FHA and VA loans simply require a court to dismiss or discharge your loan before you apply.

A Chapter 13 bankruptcy allows for “lien stripping,” which removes junior liens on your home. Non-QM loans tend to be more expensive and are considered risky to borrowers. There are no standard requirements for non-QM loans, but borrowers must adhere to their lender’s guidelines. Often borrowers can secure a non-QM loan immediately after bankruptcy, provided they can meet the down payment and other requirements. When you file Chapter 7 bankruptcy, you’ll have to liquidate — sell — many of your assets and use the proceeds to pay your creditors.

Whats The Difference Between A Bankruptcy Filing Date And A Discharge Date

Keep in mind that the court might not be on board if you’d have to reduce the amount paid to your creditors in your plan to qualify for a home loan. And if you have to present the terms of the house purchase in your motion , you might have a hard time closing the deal. Many sellers would be unwilling to take their house on the market on the chance that you’ll obtain the necessary court approval. If you want to try to get a mortgage after bankruptcy, you can research a number of different types of loans. Each mortgage loan has its own unique requirements for bankruptcy filers.

A discharge also prevents creditors from trying to collect on the debts that have been discharged. Sound advice can help you weave your way through the obstacle course. A nonprofit credit counselor can sit down with you and go over budgets and ways to approach buying a home after bankruptcy.

Manufactured Home Loan Guide 2022 Loan Options and Rates

Table of Content

• Borrower FICO Scores on Completed Purchase Mortgages
• Financing manufactured homes versus mobile homes
• Derogatory Credit
• Mortgage Calculator: Use our free calculator now
• Conventional Mortgage Credit Score Requirements

Your lender will ask you for verbal or written permission to view your credit report. They’ll look at your credit history and search for negative factors that would make it difficult for you to get a loan. The minimum credit score for a conventional loan is usually 620. For a government-backed loan, you’ll need a credit score of at least 580, but that can vary depending on which loan you choose.

Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. The benefits of getting a loan for your home repair is that you'll obviously get those fixes in that are on your to-do list. That is not only satisfying but if those repairs include a bad roof, they are needed to extend the life of your home. If you plan on using the money to make some major changes, you'll need to work with a general contractor and you'll need to hire a 203 consultant to oversee the project.

Borrower FICO Scores on Completed Purchase Mortgages

Until you have 60 to 90 days of activity on any type of credit account, it’s unlikely that you’ll have a credit score. Even if you have reversed the downward spiral of your credit history, you might need to tell a prospective lender that there may be some signs of bad credit in your report. This will save you time, since he or she will look at different loans than he might otherwise. If you have bad credit and fear you’ll face a loan denial when applying for a mortgage, don’t worry. You may still be able to get a mortgage with a low credit score. Of course it will depend on a few factors, so your best bet to see if you’ll qualify for a loan is to talk to a lender.

A lenders considers the borrower’s credit score, the down payment amount, and the borrower’s financial situation when determining whether or not to approve a mortgage application. You will almost certainly be asked about your current debts, assets, and income if you apply for a loan from a lender. If you are a green card or visa holder and are not currently living in the United States, make sure you include your current address and contact information on your application. If you are applying for a mortgage for the first time, you should take into account these factors. To begin, you must first verify your income and credit report. Make sure you are meeting the down payment requirements of your lender, which will vary depending on your credit score.

Financing manufactured homes versus mobile homes

While it’s great to get your credit report cleared out, paying off an old collections account will bring the report current. This can drop your credit score, and affect your ability to get a mortgage with collections. Your agent can help you make an offer on the right home once you find it. You’ll need to get full approval from your lender once the seller accepts your offer. Once you’re approved, you’ll attend a closing meeting, sign the closing documents, and pay your down payment and closing costs. First, lenders will look at the maximum monthly payment you can afford.

But instead of having the same interest rate and monthly payment for the duration, you get an introductory, or teaser, interest rate lasting for a set number of years. Then your rate resets, or floats, up or down periodically, depending on a market benchmark. That means while mortgages start off with lower interest rates than comparable fixed-rate loans, they can end up being more expensive in the long run.

Derogatory Credit

If you dont live in a community property state, then you live in a common-law state, and have more flexibility with your property ownership. Married couples usually have a tax advantage over unmarried couples when it comes to home ownership. The easiest way to address most of these issues is to put everything in writing if you decide to purchase the property together. However, if you’re already set on tying a knot, keep in mind that your home isn’t the only thing about your finances that you’ll need to address. One of the biggest roadblocks to getting a mortgage with a spouse who has bad credit is not the poor credit itself but rather the deposit.

For example, if you missed a few payments on your credit card bills due to a medical emergency, you may want to give your lender a copy of your medical bills. This proves to your lender that the bad marks on your report were the result of a one-time instance, rather than a pattern. Want to buy a small single-family home that you plan on using as your primary residence? You’ll probably get better terms because lenders know that primary housing costs already factor into most people’s budgets, and you’re more likely to stay up to date with your payments. Your lender will want to look at your employment history, your monthly household income and any other forms of money you have coming in, like child support or alimony payments. Your interest rate is determined by a few things, chiefly your credit score.

Mortgage Calculator: Use our free calculator now

To find out how much your home is currently worth, you’ll need to have it appraised, which typically costs a few hundred dollars. An F1 visa mortgage is a mortgage that is available to individuals who have an F1 visa. This type of mortgage is available through a number of different lenders, and it can be a great option for those who are looking to purchase a home. There are a few things to keep in mind when considering an F1 visa mortgage, however, such as the fact that you may need to have a co-signer in order to qualify.

It is important to remember that mortgages are not only for those with perfect credit. Applicants with lower credit scores are usually approved by lenders if they have strong credit histories and a solid down payment. If you want to buy a home or refinance your existing mortgage, you must be well aware of your mortgage options.

USDA loan – With a USDA loan, you’ll generally have to wait three years to apply for a new mortgage, even if extenuating circumstances contributed to the short sale. The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories.

Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Your pre-qualification and pre-approval are based on your current employment and your financial lifestyle over the past two years. Making any sudden changes in employment can affect whether or not you qualify for a loan. If that’s the case, speak with your lender about it to determine the next steps.

You will likely want to make at least a few changes or improvements to the house, and you won’t be able to do those things if you spend too much money on your mortgage payment. Loved ones, friends, and anyone otherwise willing to vouch for you that has sufficient income and credit can serve as a co-signer on the home loan. Yes, you can get a mortgage with bad credit – but it may be more difficult to find a mortgage lender willing to give you one. You may also experience higher interest rates on your loans as a result of having bad credit. Different mortgage lenders have varying interpretations of what constitutes a ‘bad’ credit score.

Christmas gift guide 2022: Best gifts for tween boys and girls they won't return

Table of Content

• The Care and Keeping of You: The Body Book for Younger Girls
• Easter Basket Ideas We Love
• Lush Merry Christmas gift set
• Athleta Girl So Toasty sherpa jacket
• Barbie Dolphin Magic Snorkel Fun Friends

And more than just a fashion statement, this necklace is a memento of her youth that she will treasure forever. Fortunately, I had the pleasure of being able to consult a tween to find out what her picks would be. She helped me compile this list which, hopefully, will help you find the perfect gift for your tween. If you're a fan of Exploding Kittens (of even if you're not), you'll get a kick out of this game. It's a card game and dodgeball (but with burritos!), all in one.

Looking for a way to keep the kids entertained on long car rides? If you’re constantly buying art supplies and paper for your little one, then this art table is something you’ll definitely want in your home. Not only does the table have a 100 ft roll of paper for endless creativity, but also comes with two benches for comfort while creating. The table has removable cups and holders for all of the necessary art supplies and is made of sturdy, durable wood that will last for years to come. Inspired by the incredibly fun and energetic TV show, this Ninja Warrior Obstacle Course for Kids will have your family running, climbing, jumping, and having all kinds of fun. This Kitsch satin heatless curling set gives bouncing curls without heat damage or the risk of getting burned.

The Care and Keeping of You: The Body Book for Younger Girls

It includes 24 pockets and 17 hooks giving it plenty of room to hold all your tween’s fashion accessories. She will be able to find things easily, so she won’t constantly be asking her parents where her bracelets, necklaces and earrings are. Available in pink, purple, blue and black, this is sure to be the answer to all your tween’s jewelry related issues.

He’ll roll around like his very own traveling concert on this electric Razor Sonic Glow scooter, which boasts LED lights and built-in speakers. The Bluetooth-enabled speakers can play whatever songs are on your kid’s playlist, while the LED lights on the steering column pulse along to the beat of the music. It can reach speeds up to 10 mph and hold a charge for about 55 minutes. Some of the other popular athleisure brands don't offer sizes for tweens, making Athleta the go-to brand for younger girls.

Easter Basket Ideas We Love

Your tween is sure to look forward to writing in this book every night and it will make a great memento of her youth for her to enjoy as she gets older. They are in a transitory stage where certain items are too childish while others are too adult. Add to this the fact that the gifts have to be ‘on fleek’ and peer group approved and finding the perfect gift for a tween can seem nearly impossible.

Bring the fun of laser tag into your home with this awesome and highly rated laser tag set. Kids can transform their basement or backyard into a laser tag course with four guns and vests and a charging station. You won’t have to worry about keeping score as all of the vests and guns are automatically synced and keep score. There is a 150-foot reach on the guns and several modes to choose from including nighttime mode, automatic, pistol, and rocket. As Home Editor, Bryce Gruber is an expert in gift ideas, shopping, and e-commerce at Reader's Digest.

Lush Merry Christmas gift set

Stick with the more affordable tech items mentioned on this list, then if it works out after a year, feel free to upgrade. With my eldest, I started out with a budget phone then worked my way up. Kids have a tendency to drop things or balance them precariously on the end of beds or tables, so breaking the latest tech - which can cost upwards of $ is going to sting.

Kids love Fortnite, and if, like me, you’re sick of spending a small fortune on virtual currency and would like loads more for less, this is the way to go. If your child plays Fortnite, theDarkfire Bundle is the first thing you need to buy before anything else. And as it’s from the Hidden Side range, you’ll be able to use your mobile device to take the play to another level.

LEGO MINDSTORMS Robot Kit with Remote Control for Kids

Keep them safe and encourage them to adventure and explore at the same time with this helmet. These ultra-tiny speakers pack great sound and excellent battery life into a very small package. This set comes with the two key staples required to achieve dazzling, holiday party-ready red lips. This sweatshirt has a unique high neckline that totally reminds us of the vintage pullovers your parents used to rock when they were teens. Seventeen picks products that we think you'll love the most. We may earn commission from the links on this page.

Puzzles come in a variety of animal themes including dinosaurs, ocean animals and more. This is a soothing activity that will challenge your tween’s skills and give her a finished product she will love. If you have a budding astronomer on your hands, this telescope will provide them with hours of entertainment.

Lifetime Geometric Dome Climber Play Center

There are so many cool things kids can do with an iPad including stream movies, play games, and even complete some homework assignments – yes, really! And, if your crew loves to take trips and long car rides, you’ll have the entertainment available and ready to go. The plush bear will respond to your toddler at the push of a paw whenever its attention is being requested. And it even has the ability to help with bedtime thanks to the over 30 stories and lullabies it will calm down with.

This JORLAI vinyl record player has three speeds and can play all sizes of vinyl records. It has a style that is both trendy and retro complete with its own case, retro metal screws, decorative panels and more. It also comes with a rechargeable lithium battery, wireless speakers, a headphone jack, an RCA output and an Aux in. She can even hook it up to your external stereo system for those times when she’s ready to party. Cerebral tweens will love this book that contains 300 brain teasers, riddles and puzzles.

For the gal who shines bright: Pottery Barn Mini LED String Lights

Adjust the light with the touch sensor and you’re good to go. One of the best gifts for both young and old kids, this sparkle pop socket comes in various colors and is great if you want to prop your phone up. Keep in mind that the pop socket will only stick to iPhones if you have the right case. Many of these tech gifts are perfect for people of all ages.

Available in four colors, this robe can also be personalized with a monogram or name. When they're ready for a fresh pair, they can simply send these to Thousand Fell to be responsibly recycled. If you're ready to upgrade your tween's studs, these tiny hoops are both cute and age-appropriate. They're made in 18K gold-plated brass, and are affordable enough that it won't be too much of a biggie if she inevitably loses one. Everyone appreciates a fuzzy blanket, but a mermaid tail blanket is just that much better. This one comes in eight different colors and patterns, so you can choose the one she'll never want to part with.

40 Best, Unique Gifts For Trendy Tween Girls This Christmas 2022

Table of Content

• Gift Republic 100 Movies Bucket List Poster
• Kano Computer Kit Touch – Make your own tablet
• Drum Kit
• The ultimate tween boy wish list
• Shop All Buying Guides
• Callaway Girls XJ Hot Junior Kids Golf Club Set

This is not only a fun toy, but it is sure to inspire your tween’s creativity and take their learning skills to the next level. It’s never too early to encourage your tweens to protect their eyes against the sun. These sunglasses are perfect because they offer polarized protection and they are super cute.

She won't have to choose between butterfly clips and claw clips with this set. All six tortoise clips combine the best of both — a cute butterfly exterior with the functionality of a claw clip — so she can pull her hair back with style and ease. Over on our toys hub, we've got gift guides broken down by specific ages, as well as a look at individual toys that are sure to be the most in-demand gifts of the year. Now you can draw in 3D — and it’s not even expensive.

Gift Republic 100 Movies Bucket List Poster

Something the kids can use to decorate their rooms, everyone will flip for this gift on Christmas morning. Bring the fun of the grocery store into your house with this fun and interactive set from Melissa & Doug. Either called Connect Four or Four-to-Score, this large and in-charge version is made with heavy-duty plastic and is great for indoor and outdoor family fun nights. Apple boasts that you can do more with this desktop, and they’re right. Your entire crew will love this awesome Christmas morning surprise this year.

The book is divided into three chapters with the difficulty increasing as you go. But they won’t drive your kid too crazy…after all, the answers are in the back of the book! These are great for developing your child’s out of the box thinking skills and they can be fun for the whole family. Your tween can make memories she will treasure with this Fujifilm Mini 9 Instant Camera. It is perfect for tweens since it is durable and not too expensive giving her the perfect intro to the world of photography. And despite its low price tag, it has features like an automatic exposure measurements that ensure your tween takes the perfect photo every time.

Kano Computer Kit Touch – Make your own tablet

Equipped with enough gear for four players, this set turns your backyard or house into a laser tag arena and is sure to lead to hours of fun for all. Calling all Potterheads young, old, and those who are somewhere in between the illustrated version of J.K. Rowling’s Harry Potter series are serious must-haves. A gift made for kids of all ages – including you, mom, and dad!

You've likely seen her work across a variety of women's lifestyle and parenting outlets and on TV shows. She lives and works in New York's Hudson Valley with her five small children. This would also make the perfect best friend gift for the right person. He’ll have his very own movie theater in his pocket if you give him this palm-sized pocket projector from Kodak.

Drum Kit

And because Vans have a comfortable sneaker fit, you don’t have to worry too much about them not fitting. You really can’t go wrong when you buy a great pair of Vans for your tween. More then just a loyal sidekick, this robot has the ability to challenge you to games and give his opinion on a variety of matters when in Explorer Mode.

This is also one of the best gifts for teenage girls. Since social media is more accessible, the younger audience has drifted to products that their favorite influencers advertise and use. Sometimes letting your tween pick out their Christmas gifts can make things a little easier this holiday season. Bath bombs have recently become popular, making perfect gifts for all ages. When you visit the Lush website, you are instantly flooded with so many colorful bath bombs. If your tween loves taking baths and relaxing, bath bombs may be a good option.

Best Gifts for Tween Girls Sure to Impress

It's not sticky and it has the perfect sheer pink tint. Plus, the fancy packaging makes it feel a little more grown up. The best gifts are ones that involve an experience, and she'll totally be into this massive kit.

A friend of Betty’s showed up at rehearsal with one of these and Betty says it’s irresistible and super fun to play with. Your tween will love having fashionable shoes to go with their school outfits. Start the new year off with cute socks for your tween!

The ultimate tween boy wish list

Advanced readers can opt for the young adult subscription, meant for teens 13 and older, though the picks may include more-mature themes. But with a little research , you might be able to crack the code and give a very cool gift for the next holiday, birthday, or other gift-giving occasion on your calendar. Try a few of these teen or tween gift ideas—approved by actual tweens and teens—to get you started. Our list of the best and most awesome big gifts for kids features a variety of options for kids of all ages - even you, mom, and dad! Even those of us who are young at heart will enjoy a lot of what's on here - and that's okay! If you haven’t playedExploding Kittens before, you’re missing out.

With the cold weather coming, this could be the perfect gift for your tween. The gloves use LED technology to provide a light show that features 3 colors and 6 modes that your child can switch around by pushing a button located near the wrist. They come with a set of four batteries that are completely replaceable, and they are manufactured with safety in mind. The gloves are high quality made of a breathable and highly elastic fabric and they are great for keeping your child comfortable and warm. Best of all, you will probably neve have to bug her to remember to wear her gloves again.

Definitely, a wow-worthy gift, this is definitely a good one on our list of awesome gifts for kids. If you’re looking for big gifts for kids with true imagination and an interest in creating their own fun, check out the Melissa & Doug Doctor Activity Center. This is definitely one of those gifts for kids everyone in the family will love using. An extreme and oversized version of the original and all-time classic family game, this all-wood version from GoSports stacks to a whopping five-feet tall! With 54 giant blocks included along with a dry erase board to make up your own optional party rules – serious or goofy or whatever you fancy. One of those gifts for kids they’ll use all the time, the Razor MX650 Rocket Electric Motocross Bike is seriously awesome.

She will also enjoy choosing from the wide selection of band colors to find one that suits her style. The Fitbit supports a wide range of iOS and Android mobile devices and has an easy to read colorful LCD display with is great for keeping her fashionable and in shape year-round. If your tween has jewelry that is starting to accumulate, she will need something to keep it organized. Unlike most jewelry boxes, this jewelry organizer hangs so tangled jewelry is a thing of the past. Not only that, it looks like a super cute dress, so it is attractive and won’t take up much space.

We've got the best gifts for tween girls in a variety of price-points. Make her holiday sparkle!

I picked one of these up at a Museum gift shop and couldn’t put it down. My mom lived in Russia for awhile and brought us a set of nesting dolls when she moved home, and now I’m convinced every home needs a set. It comes in three different colors, a it’s ready to be used for all the best yoyo tricks.