Creating a Healthy Living Environment
Beginning January 2023, Acclaim management and the FLCDC Board will conduct monthly inspections of all the units to ensure the health and safety of each resident. Management will have a check list to ensure that inspections are complete. You will be given 7 days to correct any violations.
Broward College at L.A. LEE YMCA/ MIZELL CENTER
Broward UP (Unlimited Potential) has expanded Broward College’s service model to ensure all Broward County residents have access to education after high school. Broward College is offering FREE workforce training and support services online and directly in the neighborhood at the Y. By partnering with Broward College the L.A. Lee Y’s goal is to help you get the training needed to find a good job, make more money, and get the skills needed to thrive in the workforce.
Broward College is located on the 4th floor at 1409 NW 6th Street, Fort Lauderdale, FL 33311. Please stop by to explore their course and workshop options; or visit the website https://www.broward.edu/browardup.
COVID-19 Be safe! WALK-UP TESTING | FORT LAUDERDALE
The walk-up site listed below is available.
Lincoln Park - 600 N.W. 19TH Avenue Fort Lauderdale, FL
Call (954) 412-7300 to schedule an appointment.
Open Tues. - Sat. | 9 AM -6 PM
Appointments preferred. No doctor referral needed. Open to anyone experiencing COVID-19 symptoms.
Cleaning really can have benefits that go beyond just having a clean home. Spring cleaning can be an act of self care instead of a chore, especially when you realize just how many health benefits it has to offer. Here’s how a little cleanliness and organization can work double time for you.
1. Cleaning supports a strong immune system. If you’re someone who suffers from seasonal allergies , it may not only be pollen that is responsible for those sneezing fits. Dust, mildew, mold, pet dander and even bugs can be big immune system triggers for people prone to allergies , and cluttered homes tend to gather a lot of these pollutants during the winter months. Many scientists and environmental experts claim that the pollution inside your home can often be worse than outdoor air pollution. The best way to reduce the build up of these immune system disruptors in your home is to regularly vacuum your carpets, furniture and upholstery and clean out potentially damp areas such as bathrooms, basements and garages regularly.
2. Cleaning reduces stress. The physical act of cleaning may turn your brain off for a bit to allow you to relax your mind, some experts say. So while cleaning may seem like a repetitive, mindless task, that may actually be just what your brain needs to de-stress. Not to mention, eliminating external clutter may help you free yourself from internal mental clutter. Studies have also shown that doing housework for as little as 20 minutes can reduce your stress and anxiety by up to 20 percent . To help you de-stress faster, try cleaning products with calming scents like lavender or eucalyptus.
There are mortgages and assistance options that can help you become a homeowner, even with a low income If you have a stable job but are earning less than you’d like, you might be concerned that this can impede your ability to purchase a home. The good news: There are mortgages and assistance options that can help you become a homeowner, even with a low income.
Can I buy a house with a low income?
The short answer: Yes, you can buy a house with a low income, thanks to mortgage programs designed for lower-to moderate-income borrowers.
“Having a low income can increase your debt-to-income (DTI) ratio. This limits some of the loan program options you may be eligible for, but it does not mean you absolutely cannot buy a home,” explains Balenda Hetzel, regional production manager with Inlanta Mortgage, which is headquartered in Pewaukee, Wisconsin.
Low-income mortgages and assistance
Fannie Mae’s HomeReady mortgage program addresses one of the challenges of buying a home with a low income by requiring just 3 percent as a down payment. With this loan, your down payment and/or closing cost funds can come from other sources beyond savings, including grants and gifts, and you don’t need to contribute any of the money personally.
To qualify, your income can’t exceed 80 percent of the area median income (AMI) for the location where you’re buying a home. (You can look up local limits using Fannie Mae’s tool.)
While you can put down as little as 3 percent with a HomeReady mortgage, you’ll be obligated to pay for mortgage insurance. However, those insurance premiums can be canceled once you attain 20 percent equity in your home. You’ll pay the mortgage insurance with your monthly mortgage payment, so it’ll add to that cost, but it’s easy to get out of once you hit that 20 percent. In addition, you can add a co-borrower to a HomeReady mortgage, even if that person isn’t planning on living in the home. “Unlike other home loans, all borrowers do not have to reside in the property,” says Roselina D’Annucci, a New York-based real estate attorney with the Law Offices of Serrano and Associates, P.C. “For example, parents who won’t be living in the home can be co-borrowers on the loan to help their children qualify for a mortgage. ”With a HomeReady mortgage, your mortgage lender can also consider your rent payment history in order to help qualify you for the loan," D’Annucci adds.
By Erick J. Martin with Bankrate
The FLCDC Back To School Backpack Give-a-way!
The FLCDC in partnership with Acclaim Management provided well-stocked back packs to our families with school aged children.
Acclaim Management, FLCDC Board Members and Staff shopped, assembled and distributed the backpacks for students created from each individual “wish list” of school supplies. All backpacks were gifted with hand sanitizers and wipes to help keep students safe.
We wish each student a wonderful and successful 2021-2022 school year!