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#1
04-22-2008, 05:30 AM
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3% mortgage
Ok I know I've been quiet lately but it's been chaotic here. My final two kids are moving towards adoption next month ( waiting on a date ) and we bought a new house.
When we mentioned to our caseworker we were moving she told us about a program called HOPP ( home ownership for permanency placement ) through the state. Apparently their is a program that allows peopel that are adopting and buying a home simultanously qualify for a very low mortage rate. They don't publicize it but it's there. We were arppoved for a 3% mortgage , however we now need to sell our current home prior to settlement ( something we weren't really counting on ) That gives us 60 days to find a buyer - Yeehaw. So if anyone know of anyone looking for a good deal ona 4 bedroom home in Mount Holly, NJ , please let me know. House apparaised at $239,000 but we are willing to let it go much much lower than that just to get rid of it! Anyway if you are adopting and buying a house- it's a great program.
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Kel Welcome to the circus! DH- my 4 kiddos The Enforcer age 6 Adopted November 16, 2007 The Jester- age 5 - Adopted November 16, 2007 The Informer- age 4-identified surrender December 7th 2007 The Terminator - age 3-identified surrender December 7th 2007 our always annoyed Corgi , an escapee bird and various fish, fauna and amphibians and a homeless chicken and a rescued runaway Blue Heeler. 
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Adoption Information
Adoption Websites
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#2
04-22-2008, 06:27 AM
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Any Idea if that would apply to refinancing too?
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Approved and Liscensed--March 2007 Placed with 10 month old--Mid 2007--foster/adopt---Goal-Adoption Birth parents terminated their rights--March 08 Adoption completed on Natl Adoption Day 2008  New FD place May 08---RU'd with mom March 09 
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#3
04-22-2008, 09:45 AM
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Since when do you have a CHICKEN as a pet? Yeesh!
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Single mommy of 3-year-old son Jan. 2005 - decided to adopt Sept. 2005 - licensed as foster home May 2006 - Little Dude arrives. May 2007 - Birth Parents give up parental rights. Nov. 5, 2007 - Little Dude is adopted! It's official! 
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#4
04-23-2008, 07:29 AM
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Henrietta moved in the weekend the boys were adoptedin November. - Diesel my newest addition ( dog ) moved in Christmas week. Now do you know why I need to move?
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Kel Welcome to the circus! DH- my 4 kiddos The Enforcer age 6 Adopted November 16, 2007 The Jester- age 5 - Adopted November 16, 2007 The Informer- age 4-identified surrender December 7th 2007 The Terminator - age 3-identified surrender December 7th 2007 our always annoyed Corgi , an escapee bird and various fish, fauna and amphibians and a homeless chicken and a rescued runaway Blue Heeler.
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#5
04-23-2008, 10:23 AM
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Madfostermomma, you are a gem--what a nurturing spirit you have.
 (Hug the livestock for me.)
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Apr 2004: Licensed for "fost/adopt" May 2007: Foster-Angel #2 arrives..it's a girl  Sept 2007: SHSP/Infant-child CPR certified Oct 2007: Case plan changed to adoption  Dec 2007: Case plan approved! June 2008: Guardianship granted! Oct 2008: Adoption finalized! We're officially a family!  Aug 2009: Updated homestudy in hopes of adopting again  Oct 2009: Matched! We're in the visitation stage prior to placement Very hopeful that things will go smoothly
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#6
06-23-2008, 08:23 AM
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Website
Here is a website I found in reference to the 3% mortgage and yes it also applies to refinancing. I was looking to see if there was anything like this in MD, but it says it is the first of its kind in the nation....maybe it will spread to my state??!!!!!
http://www.ncsha.org/uploads/New%20J...al%20Needs.pdf
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#7
06-23-2008, 08:43 AM
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Wow..if it applies to refinance I may take advantage of it.
MadFosterMomma - Can you PM me a contact # for this program. Thanks
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Licensed Foster Home - November 2004 Licensed Foster/Adopt Home - June 2006 __________________________________________ God grant me the serenity to accept the things I cannot change, courage to change the things I can and the wisdom to know the difference!
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#8
06-23-2008, 03:00 PM
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Anyone know if it might to worth it if you are already at 5.5%???? Just asking...
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#9
06-23-2008, 03:24 PM
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is this just for domestic foster adoption, we are adopting internationally...this would definitely be a good thing!
As for the last question, if you plan to be in your home for more than 5 years, dropping your interest rate by 1 point or more is usually worth it. Karla
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#10
06-25-2008, 05:12 AM
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MadFosterMomma, I would like contact info as well. Would you PM me as well?
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