Welcome
description
Transcript of Welcome
![Page 1: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/1.jpg)
![Page 2: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/2.jpg)
Welcome
Introductions Nature Expectations Agenda Timing
Home Sweet Home 2
![Page 3: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/3.jpg)
Objectives
Role of Relocation Program Role of Housing Programs Budgeting Research Neighborhood Rent vs. Buy Decision Making Rental Process Buying Process
Home Sweet Home 3
![Page 4: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/4.jpg)
Relocation Programs and Services
Moving counseling and planning Moving information and referral Workshops and briefings Training sponsors Maintaining MilitaryINSTALLATIONS and
Plan My Move In and out processing briefings Loan closet
Home Sweet Home 4
![Page 5: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/5.jpg)
MilitaryINSTALLATIONS
Individual Installation Files Articles on Housing
• Housing• Government Housing• Temporary Lodging
Additional Resources on Housing Demonstrate MilitaryINSTALLATIONS
• http://www.militaryinstallations.dod.mil
Home Sweet Home 5
![Page 6: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/6.jpg)
MilitaryINSTALLATIONS
Demonstration of MilitaryINSTALLATIONS• http://www.militaryinstallations.dod.mil
![Page 7: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/7.jpg)
Plan My Move
Standard 90 day calendar Short 6 week calendar for first move 4 calendar views depending on departure and
destination locations Customizable
• Add, remove, modify tasks• Setup email reminders• Change length of calendar
Demonstration Plan My Move• http://www.militaryhomefront.dod.mil/moving
Home Sweet Home 7
![Page 8: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/8.jpg)
![Page 9: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/9.jpg)
Military OneSource
Relocation Essentials Library One on one financial counseling Demonstration of Military OneSource
Home Sweet Home 9
![Page 10: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/10.jpg)
![Page 11: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/11.jpg)
Government Housing Programs
Housing Office Housing Referral Office AHRN Housing Privatization Overseas Housing Furniture Program Demonstrate AHRN – http://www.ahrn.com Demonstrate Services Housing OneStop websites –
https:// onestop.army.mil Navy and Marine Corps –
http://www.housing.navy.mil/onestop/ Air Force – secure website
Home Sweet Home 11
![Page 12: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/12.jpg)
![Page 13: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/13.jpg)
![Page 14: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/14.jpg)
Budgeting for Housing
Budget Elements Income Credit Rating Expenses Down payment Interest Rates Reimbursements Demo Ginnie Mae rent v. buy decision tool –
http://www.ginniemae.gov/rent_vs_buy/rent_vs_buy_calc.asp?Section=YPTH
Demo Ginnie Mae – how much house can you afford to buy – http://www.ginniemae.gov/2_prequal/intro_questions.asp?Section=YPTH
Home Sweet Home 14
![Page 15: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/15.jpg)
![Page 16: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/16.jpg)
![Page 17: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/17.jpg)
Choosing a Neighborhood
Considerations• Location• Touring• Needs• Schools• Safety• Military Community
Home Sweet Home 17
![Page 18: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/18.jpg)
Evaluating a Neighborhood
Traffic Children Word of mouth Interview neighbors Time of day Noise Visual aesthetics
Home Sweet Home 18
![Page 19: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/19.jpg)
Renting – The Process
Determine needs• Community• Housing
Determine price range Conduct housing search Lease process Insurance Move out Renting a home
Home Sweet Home 19
![Page 20: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/20.jpg)
Renting – The Process
Determine Community and Housing Needs• Rooms• Children• Pets• Parking• Style• Neighborhood• Commute
Home Sweet Home 20
![Page 21: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/21.jpg)
Renting – The Process
Determine Price Range• 25% rule• Utilities• Insurance• Amenities• Deposit(s)
Home Sweet Home 21
![Page 22: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/22.jpg)
Renting – The Process
Conduct Housing Search• Meet requirements• Investigate less obvious
- Maintenance- Insects- Security- Noise
Demo Apartment Hunting Worksheet
Home Sweet Home 22
![Page 23: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/23.jpg)
Renting – The Process
Leasing• Legal document• Protects rights• Explains responsibilities• Illegal provisions
Application• Credit report• Application fee• References
Home Sweet Home 23
![Page 24: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/24.jpg)
Renting – The Process
Lease Provisions• Description of property• Duration of lease• Military clause• Rent due• Deposits• Late charges• Maintenance responsibilities• Utilities included• Parking• Use of common property• Pet policies
Illegal Provisions
Home Sweet Home 24
![Page 25: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/25.jpg)
Renting – The Process
Security deposits• Waiver programs• Purpose• Refund• Interest
Role of legal and housing office Handout Property Checklist
Home Sweet Home 25
![Page 26: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/26.jpg)
Renting – The Process
Fair Housing Rights• Tenant entitlement• Landlord entitlement
Tenant – Landlord Relations
Home Sweet Home 26
![Page 27: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/27.jpg)
Renting – The Process
Insurance• Your responsibility
- Personal property- Personal injury- Fire, theft- Apartment security
• Property responsibility- Property- Injury- Fire- Security
Home Sweet Home 27
![Page 28: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/28.jpg)
Renting – The Process
Moving Out• Condition• Refunds• Disputes• Evictions
Home Sweet Home 28
![Page 29: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/29.jpg)
Renting – The Process
House• Agreement v. Lease• Advantages
- Privacy- Space- Storage- Parking
• Disadvantages- Absentee landlord- Additional costs (utilities, yard)- No protection under Fair Housing Laws
Home Sweet Home 29
![Page 30: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/30.jpg)
Buying – The Process
Role of real estate agent Buying a house Obtaining a mortgage
Home Sweet Home 30
![Page 31: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/31.jpg)
Buying – The Process
Real Estate Agent• Use• Types• Brokers• Qualifications
Home Sweet Home 31
![Page 32: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/32.jpg)
Buying – The Process
Home Economics Steps
• Organize• Watch• Negotiate• Elevate• Read
Home Sweet Home 32
![Page 33: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/33.jpg)
![Page 34: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/34.jpg)
![Page 35: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/35.jpg)
![Page 36: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/36.jpg)
Buying – The Process
Types of mortgages Questions for lenders Qualification process Loan application Closing
Home Sweet Home 36
![Page 37: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/37.jpg)
![Page 38: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/38.jpg)
![Page 39: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/39.jpg)
Buying – The Process
Loan Closing• Rights• New laws• Consumer protections
Home Sweet Home 39
![Page 40: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/40.jpg)
Questions
Review Expectations Follow up – Due Outs Review Resources
• Websites• Handouts
Evaluations
Home Sweet Home 40
![Page 41: Welcome](https://reader035.fdocuments.in/reader035/viewer/2022081520/56815607550346895dc3cccd/html5/thumbnails/41.jpg)
Providing policy, tools, and resources to further enhance the quality of life of service members and their families.
Created for you by the Department of DefenseRelocation Assistance Program