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How to Qualify for FHA Streamline Refinance Program

refinancing mortgage contractThere are various ways to work on your mortgage rates without losing your home. The FHA streamline refinance program in Utah, for instance, is a great option for homeowners who have an existing FHA loan and want to lower their monthly payment.

However, certain qualifications need to be met. Here are the criteria for you to qualify:

You Have to be Staying in the House

One of the qualifications for refinancing is that you have to be living in the property you are refinancing. You should also own the home for at least six months before you could apply for a refinancing program.

Your Payments Should be Updated

You will not qualify for refinancing if you have two late monthly payments on your FHA home loan within the past 12 months. So before your application, check if all your payments are current and made on time.

Get an FHA-approved Letter

You need to have an FHA-approved letter to refinance your existing loan. Meanwhile, homeowners who want to switch to a different lender must ensure that the FHA approves the bank that they will choose as well.

Save Up for the Closing Costs

Another factor that you should consider is the closing costs. Keep in mind that all the closing costs must be paid up front prior to your loan approval. You may also arrange for a “no-cost” FHA streamline home loan.

Although the FHA streamline refinance program is the fastest and the easiest way to refinance your mortgage, there are still a few qualifications that need to be met. To make the process easier, you may want to consider working with qualified mortgage planners to assist you with the entire application process.

Three Facts You Should Know Before Opening a Safety Deposit Box

safety deposit box with money insideNowadays, a safety deposit box is one of the security upgrade strategies most embraced. Your safety box can be hard to break. Besides, it’s conveniently accessible. However, it’s still vulnerable to theft since burglars might break into your home and force you at gunpoint to open it. They can even run away with it to a secluded place and access it using some specialized equipment. This is why you need to verse yourself in the ways of using a safety deposit box.

Store Copies of Necessary Documents in Multiple Locations

If you are using a safety deposit box in Columbia or elsewhere for document storage, you should keep copies of relevant documents with you as well. Some of the most critical documents include insurance, property titles, estate plans, and wills. This makes it convenient to access them when emergencies and urgent calls come through during odd hours.

Give a Trustworthy Person Access

You can never predict some circumstances in life. You may fly out of the country or become incapacitated in one way or another. This inhibits your ability to access your safe box directly. Having relatives sign your signature card makes it convenient for them to access the box and deliver whatever items you need.

Take Inventory of Items in your Safe Box

A mishap is a possibility, even to the so-called safest and hard-to-break boxes. Therefore, it’s crucial that you take stock of what is in the box. Make a list of the items. Support the list with photos if you have a smartphone or camera and store them properly. This makes it easier to launch a claim in case one or more of your items goes missing.

Some documents and jewelry cannot be replaced once they get lost. For the ones that are replaceable, it takes a fortune and time to finish the long and daunting process. Therefore, safety deposit boxes can spare you the trouble of having to waste your precious time and money.

Top Ways to Manage Rheumatoid Arthritis

Old woman's handsRheumatoid Arthritis (RA) is a chronic condition that affects people in different ways. It can be debilitating and can render you dysfunctional for days. RA is an autoimmune condition where the immune system responsible for protecting the body from foreign substances mistakenly attacks the body’s healthy joints, resulting in inflammation and pain.

While there is currently no cure for RA, there are ways to manage the condition. A combination of proper medication and lifestyle changes can provide significant changes.

Managing rheumatoid arthritis

  1. Professional help

Rheumatoid Arthritis care

 and management centers in Las Vegas can help patients feel relieved of everyday symptoms with the help of therapy, medication, and overall care. Such institutions are dedicated to helping patients live a normal life despite their conditions through proper management.

  1. Importance of sleep

Sleep is a luxury for RA sufferers, especially during flare-ups. But sleep helps your body recuperate and can improve your overall well-being. Set a sleeping schedule and follow it to establish your body’s sleeping routine. Seek help from your doctor to get quality and better sleep.

  1. Anti-inflammatory diet

Sugar is known for causing inflammation in the body. Avoiding this in your daily diet, as well as stocking up on healthier foods, such as fruits and vegetables that help lower your body’s inflammation, is a must.

  1. Lifestyle change

Stress is more than just an emotional concern; it’s also a physical one. Learn to reduce or avoid stress, so you can manage your condition. RA-friendly workouts can also help you develop a fitter and more active lifestyle. So, get your exercise gear and keep moving.

  1. Speak up

Do not be afraid to speak up about your condition. Sometimes, being able to sit when you need to or just be given a time-off when your body is not cooperating can help you feel better. Be an advocate for your condition. Share your experiences and be an inspiration to others with a similar condition.

RA is a life-changing and debilitating condition, but it doesn’t mean you can’t be in control. These changes can help you gain control of your body and your life.

3 Considerations for choosing a Wheelchair Ramp

Person sitting on wheelchairMost people have trouble buying a wheelchair ramp because they do not know enough about them. Ascent Mobility says that they must be safe and durable enough for the needs of the disabled.

Here are three considerations to make when choosing a wheelchair ramp:

1. Traction

Whether riding by yourself or have someone pushing the wheelchair for you, proper traction is necessary for adequate footing and wheelchair braking. In that case, it is great to have aluminum tracks as they have non-slip grooved surfaces that sustain traction even in heavy rains. On the other hand, you can use a wooden ramp but it has to be properly cleaned to prevent debris from accumulating. They can also become slippery due to rains so you must be cautious. Alternatively, you can have it fitted with a non-slip surface to sustain traction.

2. Inclement Weather

Depending on your area, your wheelchair ramp may get a lot of exposure to rain and humidity, heavy snow and ice, and salty air. That means you should buy a ramp that can withstand environmental elements in your area. If this occurs, magnesium chloride is a simple and affordable solution.

3. Modular vs Portable

Do you have a friend or relative who comes to your house often and requires a ramp to your house? Chances are you do not need a ramp that is permanently in place as you will only be needing it once in a while. Instead, buy portable lightweight ramps. They are foldable, making them easy to store and move around.

When purchasing a wheelchair ramp, keep the weight capacity in mind. Exceeding its weight capacity may lead to accidents and ramp failures that may compromise your safety. While deciding on the weight, remember to add the weight of an extra person pushing the wheelchair.

Take these Steps and Improve the Quality of Your Rainwater

Rainwater in Salt Lake CityWater is a precious commodity in the world and rain supplies it in copious amounts. The article highlights the best way to ensure that your rainwater is suitable for human consumption and free of contaminants.

Many, including the EPA, view rainwater as a possible solution to the perennial water shortages in many areas of Salt Lake City. Copious and freely available, rainwater is free of contaminant, and with proper collection and storage is the best source of portable water.

However, modern day living has changed the prevailing environmental conditions by increasing the amount of pollutants in the air. Consequently, some measures are necessary to keep contaminants such as fecal matters, pesticides, leaves and sand from the rainwater.

Install filters

Gutter screens, filters, and flush devices are some of the screening mechanisms to keep contaminant out of your water collection and conveyance system and ultimately, out of the reservoir. Keeping the unwanted substrate out of the water system not only safeguards your health but also extends the life of your filtering system.

Despite using a state of the art filtration system, some unwanted substrate still finds its way into the storage tank. Nevertheless, should your reservoir contain too much sediment, you need to take corrective measures. By retaining the services of a notable rain gutter repair provider in Salt Lake City such as Double T. Inc, residents can improve their rainwater harvesting efforts.

Get an appropriate filtering system

Drawing water from the bottom of the reservoir increases the amount of sediment you consume. Opt to use a floating filter that draws water from the middle of the tank without disturbing the sediment. A multi-filter system such as the one that includes several filters gives the best results since each filter eliminates a different type of contaminant.

Choose your filters wisely

Cartridge filters are excellent choices since they arrange filters in series, from the largest to the smallest. The lower the microns on a screen, the higher the efficiency, cost, and time to complete the filtration process. Ideal rainwater filters comprise of 50, 20 and 5 microns filters.

With proper collection and filtration, you can harvest rainwater for domestic use and reduce your water bills.