All Library branches will be closed and the Mobile Library will not make its regularly scheduled stops on Monday, May 29, for Memorial Day.

The Park Central, Republic, Strafford, and Willard branch libraries will not have phone service on Tuesday, May 23, due to maintentance. Please call (417) 882-0714 for assistance.

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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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