The Fair Grove Branch Library will be closed Monday, June 19, through Monday, June 26, for carpet replacement and shelf rearrangement.

The online catalog, My Account, OverDrive, Hoopla, patron suggestions, databases and some parts of the Library website will be unavailable beginning 4 a.m. Friday, June 23, due to server maintenance. The services are expected to be available again by 9 a.m.

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Nitty-Gritty Mortgage Woes

Library staff member Eric Deatherage provided the following annotated Web site suggestions for persons with poor credit who are in search of fiixed-rate mortgages:

http://www.homeloans.va.gov/
VA home loan.  Not credit score driven.  Driven by credit history rather than credit score.  Certificate of eligibility required; the site explains how to get this certificate.  Zero down.  Debt to income ratio must be between 30 and 40%.

http://www.fha.gov/owner/loans.cfm#1
FHA home loan.  Fixed rate product.  Requires 3% down, but there are local donation programs that will cover that amount.  43% debt to income, including home, needed.

http://www.freddiemac.com/homepossible
Freddie Mac program.  Zero down.


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