LOOKING TO GET IN SHAPE?

A local company in town, Habitat Fitness and Health, has a boot camp program that definitely works.

Everyday is a whole new workout program, so your body never knows what to expect. The workouts are on 45 minutes per session and with the nutrition plan provided to you, it just puts you one step closer to your goal.

It’s like having your own personal trainer that motivates you every step of the way.

Definitely a fitness program that focuses on your health and wellbeing.

When In Doubt Throw It Out

Do you ever have the feeling your being over run by clutter? I know the feeling. Most of us don’t know where to start. Hopefully this system will work for you without buying all the fancy organizing tools, shelves and gadgets. Take one hour and you will find out you can become organized!

Things you will need to declutter: 3 boxes or large trash bags, sticky labels, & black sharpie marker.

First, start out with a room and focus on only that room. We can easily get side tracked and create a monster.

Label your boxes or bags. Mark them with KEEP, GIVE AWAY and THROW AWAY.

Next only empty out as much as you can sort through in an hour. Don’t overwhelm yourself.

Then, start with large items that will help you feel like you are accomplishing organizing your room. Look at each item and say “Do I need this” “Are you functional?” “Do I display you?” If not, pitch it or give it away.

Remember don’t keep things out of guilt and clothes that don’t fit thinking you will get in that size again. The local thrift store would love to have all your old treasures!

FHA 203(k) RENOVATION MORTGAGE

Are you interested in buying a fixer-upper, but don't have the cash to remodel it? Or maybe you have saved money for remodeling and you've found your diamond in the rough, but your lender won't allow you to buy it because the house isn't considered habitable without toilets.
There are several properties on the market right now that weren't maintained by former owners, were treated poorly by renters or were foreclosed homes that were deliberately destroyed by their previous owners . Shouldn't there be a way for someone like you to fix up these neighborhood eyesores, bring them back to life, and make it your dream home all at the same time?

There is, and it's brought to you by the federal government. The Federal Housing Administration's rehab loan product, the FHA 203(k) loan, was designed for individuals who want to rehabilitate or repair a damaged home so they can live in it as their primary residence. These loans are endorsed by the government to encourage lenders to offer what would otherwise be considered a risky loan product. The 203(k) loan allows you to buy and renovate your home with one loan by spreading the cost of the renovation ($5,000 minimum; $35,000 maximum) throughout the entire mortgage term.

Homeowners can use renovation-mortgage money for allowable purposes that improves the property. This may include fundamental improvements that make the home safer, such as a new roof, plumbing or electrical work or repairing a foundation. You can also use the funds to invest in energy efficiency, installing more insulation and energy-saving appliances and fixtures. Also, you can use the loan to improve the appearance of your home through landscaping, siding, exterior lighting, kitchen and bath improvements, and cosmetic upgrades such as new flooring.

This loan follows the standard FHA guidelines and qualifications, so if you think that this product sounds like something you would be interested in, contact THE BUTLER TEAM today.

Let us help you, along with one of our preferred Lenders, find that "diamond in the rough"

Penny Jungers-Gilmore

BUYERS SPECAILIST

THE BUTLER TEAM