text:
The automated calibration system the Navy uses to assess operational equipment functionality is being made available for industry use. The system enables sailors to perform some 10,000 calibrations annually on land and sea.
Under this cross-licensing patent agreement, which the Navy called the first of its type, American Technical Services will be able to commercialize the system, while the Navy obtains a license to use ATS software. The Navy plans on using the license, worth almost $1 million, to make improvements to the calibration system, dubbed Metrology Bench Top.
"Often unnoticed behind the scenes, calibrations are critical to nearly every aspect of naval operations and help ensure weapons, equipment and systems function safely and accurately to support sailors' and ships' missions," a Navy news release said.
A patent for the system was awarded to the Navy in 2007. The system sped up the calibration process by nearly 90 percent, the Navy said.
About the Author
Reid Davenport is an FCW editorial fellow. Connect with him on Twitter: @ReidDavenport.
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Three-time Federal 100 winner is leaving government in July.
Members of Congress heaped hard questions on federal IT leaders at a June 16 hearing and suggested strongly that somebody needs to be fired.
Senate bill carves out exemption for supercomputing and other lab IT; an earlier version of the measure would have exempted the entire Department of Energy.
OPM is partnering with CSID to try to manage the fallout from a massive breach of some 4 million federal personnel records.
Steve Kelman applauds the OMB's move to make career employees "goal leaders" for performance management initiatives -- but wishes it had come far earlier in the administration.
In an exclusive interview, Jimaye Sones, who was Defense Information Systems Agency comptroller from 2005 to 2013, says he was reassigned after revealing questionable accounting practices at the agency.
Through computer forensics training and internships, veterans are helping Immigration and Customs Enforcement tackle a backlog in child exploitation cases.
After two months on the job studying DOD's cybersecurity and IT needs, Secretary Ashton Carter is set to unveil a new Pentagon cyber strategy in Silicon Valley.
The failure of massive federal IT projects can usually be traced to poor management. The solution is as multilayered as the projects themselves.
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Lighthouse Christian Academy vs. Monarch
Are you investigating the differences between A.C.E.'s Lighthouse Christian Academy and the Monarch curriculum from Alpha Omega Publications? You just found the information you need! Find short overviews of each curriculum below, an easy-to-view comparison chart, and additional comparison options!
A.C.E.'s Lighthouse Christian Academy
Lighthouse Christian Academy (LCA) is the provider of distance learning for Accelerated Christian Education (A.C.E.). Lighthouse Christian Academy is a fully accredited (MSA-CESS and Ai) program designed to assist parents in providing a quality Christian education to homeschooled students. Lighthouse Christian Academy exclusively utilizes the A.C.E. curriculum for students in grades K-12 and provides coursework in all core subjects as well as electives.
Lighthouse Christian Academy provides its students with diagnostic testing to determine placement within the A.C.E. curriculum program. Academic advising assists families in designing a course of study appropriate for each student's interests and goals. Honors, college-prep, general, and vocational courses are offered to all high school students. In addition to diagnostic testing, LCA provides progress reports, transcripts, standardized testing for all enrolled students. LCA provides graduation services and a diploma for eligible seniors. Enrollment and administrative fees include all provided services, but the purchase of A.C.E. curricular materials is the responsibility of the parents. Parents are responsible for supervision of all student coursework, as well as all lesson planning and grading of daily work. Completed coursework is submitted to the Lighthouse Christian Academy office for evaluation and reporting.
Finding Your Approach to Homeschooling
Wondering whether you should use a distance learning approach to homeschooling? Keep in mind there is no one perfect homeschool curriculum. A blended approach to homeschooling allows parents the flexibility of using multiple resources instead of one set curriculum. Instead of feeling torn between curriculum formats, parents should be open to mixing and matching materials and resources to customize their child's education. Remember, each child has his own learning style, so it's important to choose materials that best fit his needs.
Monarch from Alpha Omega Publications
Monarch from Alpha Omega Publications is an interactive, Internet-based curriculum for grades 3-12. Alpha Omega Publications, a trusted publisher of high quality educational products, provides Christian curriculum and educational services to homeschool families. Transforming the way students learn, Monarch is an in-depth, online curriculum that makes use of today's 21st century technology. This innovative, cutting-edge AOP curriculum presents Christ-centered lessons using eye-catching animations, learning games, video and audio clips, and more! Unlike traditional textbooks, Monarch has a diverse mix of text-based instruction and engaging multimedia enrichment. Time-saving teaching tools provide automatic grading, lesson planning, customizable lessons, a built-in calendar, printing options, message center, text-to-speech, and more!
Compatible with both Windows® and Macintosh® operating systems, Monarch integrates Scripture and a biblical worldview into all subjects. Monarch offers the flexibility to log on and learn anytime, anywhere with 18-month, single subscriptions using an individualized, student driven approach. Diagnostic tests are available for placement in math and language arts. Core coursework includes Bible (3-12), language arts (3-12), math (3-12), science (3-12), and history and geography (3-12). Over 45 electives are also available. Monarch may be purchased as individual subjects or as complete five-subject sets.
Benefits and Features of Monarch from Alpha Omega Publications
- online interactive lessons with anytime, anywhere access
- compatible with both Windows® and Mac® operating systems
- offers customizable student learning options and time-saving teaching tools
- features dynamic, media-rich lessons; real-time content updates; and data storage
Take a Closer Look at Lighthouse Christian Academy and Monarch
|Lighthouse Christian Academy
|3-12 curriculum options
|Core subjects and electives available
|Internet-based curriculum
|Interactive, engaging multimedia tools
|Customizable lessons and calendar
|Automatic grading and lesson planning
|Message center
|Average yearly cost per grade level**
|Average subject cost per grade level**
View more comparison charts for A.C.E. vs. Alpha Omega Publications curricula and services!
What Other Parents Are Saying:
"It is exciting to know that wherever we are – at home, on vacation, or halfway around the world – we can homeschool by simply logging in online. Our son loves Monarch's cutting-edge, media-rich lessons that are infused with movie clips, animations, learning games, audio clips, and web-related links."
Tom P., Illinois
"Monarch is exciting because it's Christian-based, Mac compatible, portable, and offers the extra accountability my daughter needs. No more excuses like 'I forgot,' or 'I didn't know.'"
Kristin J., North Carolina
"Having the ability to homeschool when and where we want is vital for our busy family. We are constantly on the go, and with Monarch, we don't have to drag a load of books with us. AOP has some of the best curriculum available, and Monarch's benefits and features are really a blessing to our family."
Amanda C., Georgia
"Monarch is a wonderful way to allow my children to get some of the extra help they need through an online curriculum. I can't always give them extra one-on-one time because of their age differences. With Monarch, they are all getting individualized instruction, and I have more time to work with each of them in areas in which they struggle."
Meleasa B., Tennessee
Compare Offerings: A.C.E. versus Alpha Omega Publications
- A.C.E. PACE vs. Monarch
- A.C.E. PACE vs. Horizons
- A.C.E. PACE vs. LIFEPAC
- A.C.E. PACE vs. Alpha Omega Academy
- A.C.E. PACE vs. Switched-On Schoolhouse
*A.C.E.® and PACE® are the registered trademarks and subsidiaries of A.C.E.®. Alpha Omega Publications is not in any way affiliated with A.C.E.. Alpha Omega Publications' purpose with this page is to provide information to families who are considering the different aspects of homeschooling curricula or who wish to compare the benefits of using both curricula. Alpha Omega Publications' products and services are not endorsed or sponsored by A.C.E.®.
Note: Information in this chart was gathered in June 2014 and was obtained from company websites, catalogs, research of rating companies, and publicly filed information. Comparison categories do not encompass entire curriculum features and benefits and may not apply to all situations.
**Prices obtained June 2014 from Accelerated Christian Education Homeschool and A.C.E. Ministries websites and from Alpha Omega Publications 2014 Homeschool Catalog. Yearly prices based on comparison between Monarch 9th Grade 5-Subject Set and A.C.E. Lighthouse Christian Academy full-time administrative costs for a full time 9th grade student (not including registration fees). Costs do not reflect any additional fees or shipping and handling charges. Prices for other Accelerated Christian Education and Alpha Omega Publications curricula and services can be found on individual comparison pages. All prices are subject to change.

subset: commoncrawl


text:
A razor and trimmer combination assembly includes an elongated handle, a razor blade, a trimmer and a motor. The razor blade is disposed at or adjacent a first end of the handle. The trimmer mounts on the handle and includes a moving blade. The motor drives the moving blade.
1. A grooming tool, comprising:
an elongated handle having a first end and a front side, the front side facing a forward direction for the grooming tool;
a razor blade cartridge generally facing the forward direction for direct contact with skin and comprising one or more elongated razor blades mounted in the cartridge, the razor blade cartridge being mounted in a razor mount located adjacent to the first end of the elongated handle;
a trimmer located adjacent to the first end of the elongated handle, the trimmer comprising at least one elongated moving blade generally facing the forward direction, the at least one elongated moving blade having a length generally parallel with a length of the one or more elongated razor blades;
a motor located within the elongated handle, the motor having an output shaft operatively connected to the at least one moving blade for driving the at least one moving blade and for imparting vibratory motion on the handle and the razor blade cartridge;
a transmission assembly continuously coupling the output shaft of the motor to the at least one moving blade of the trimmer, and including a cam having an off-center projection and an arm, the cam being coupled to the output shaft, the off-center projection being coupled to the arm to provide reciprocating lateral movement of the at least one moving blade in a direction generally parallel to the length of the one or more elongated razor blades; and
wherein the relative positions of the trimmer and the razor blade cartridge can be selectively adjusted through a sliding arrangement such that the grooming tool can be configured in at least a first operational position and a second operational position, and wherein (i) in the first operational position, the trimmer extends beyond the razor blade cartridge such that the trimmer is useable as the motor provides the reciprocating lateral movement of the at least one moving blade, and (ii) in the second operational position, the razor blade cartridge extends beyond the trimmer such that the one or more elongated razor blades are useable while the motor provides the vibratory motion to the handle and the razor blade cartridge.
2. The grooming tool of
3. The grooming tool of
4. The grooming tool of
5. The grooming tool of
6. The grooming tool of
7. The grooming tool of
8. The grooming tool of
9. The grooming tool of
10. The grooming tool of
This application claims the benefit of U.S. pending patent application, Ser. No. 10/885,278, filed Jul. 6, 2004, which claims the benefit of U.S. provisional patent application Ser. No. 60/557,745, "Razor and Electric Trimmer Assembly" filed Mar. 30, 2004, which are incorporated by reference.
Wet razors are typically used with shaving cream and water to shave a man's face or a woman's legs. These wet razors typically include an elongated handle having a razor blade and/or a razor blade cartridge attached to one end of the handle. The user pulls the razor blade across the skin cutting the hair that is present.
Electric trimmers are also known for trimming longer hairs such as sideburns, mustaches, beards, as well as the bikini area of a woman. Electric trimmers typically include a stationary blade and a moving blade. Since the trimmers are typically powered by electricity and the wet razor is typically submerged in water, assemblies that employ both a wet razor and a hair trimmer assembly are not known.
A razor and trimmer combination assembly includes an elongated handle, a razor blade, a trimmer and a motor. The razor blade is disposed at or adjacent a first end of the handle. The trimmer mounts on the handle and includes a moving blade. The motor is disposed within the handle and operatively connected to the moving blade.
A grooming tool includes a housing, a razor mount, a trimmer mechanism, a motor, a linkage, a power source compartment, and a power source connector. The housing includes an elongated handle portion and a head end portion. The razor mount is disposed at the head end portion of the housing and selectively secures an associated razor blade or an associated razor blade cartridge. The trimmer mechanism is associated with the housing. The motor mounts within the housing. The linkage couples an output shaft of the motor to the trimmer mechanism. The power source compartment is disposed within the housing and is adapted to receive an associated power source. The power source connector mounts within the power source compartment and provides at least a portion of a power delivery path between the associated power source installed in the power source compartment and the motor.
A method of manufacturing a wet razor and trimmer combination assembly having a vibrating handle includes the following steps: providing a wet razor and trimmer combination assembly comprising a wet razor mounted at or adjacent a first end of a handle and trimmer disposed on the handle, and providing a drive inside the handle to impart vibratory motion on the first end of the handle.
The combination of a package and an electric grooming tool disposed in the package includes a cover at least partially enclosing the grooming tool. The grooming tool includes a handle, a razor mount disposed at or adjacent one end of the handle, a trimmer disposed on the handle, a drive mechanism for the trimmer, a power source for the drive mechanism, a switch for selectively supplying power from the power source to the drive mechanism, and a switch button disposed on the handle for operating the switch. The cover is adapted to allow an external force to be exerted on the switch button such that the switch button can move into the momentary on position.
A grooming tool 10, which can also be referred to as a razor and trimmer combination assembly, includes a thin elongated handle 12 having a first or head end 14 and a second or tail end 16. A razor blade cartridge 18, which can include a plurality of razor blades 22 mounted in the cartridge, attaches at or adjacent the first end 14 of the handle 12. The razor blade cartridge 18 generally faces a direction that will be referred to as forward simply for clarity. Accordingly, the razor blade cartridge 18 generally faces the same direction as a front side of the handle 12. A trimmer 24 is also disposed at or adjacent the first end 14 of the handle 12. The trimmer 24 extends from a rear side of the handle 12. One who shaves with the grooming tool 10 can use the razor blades 22 for conventional wet shaving and can use the trimmer 24 for dry trimming.
The thin handle 12 curves toward the direction that the razor blade cartridge 18 faces similar to a conventional wet razor. The handle 12 provides a housing for internal components that drive the trimmer 24. In the embodiment depicted in
As mentioned above, the razor blade cartridge 18 attaches at or adjacent the first end 14 of the handle 12. In the depicted embodiment, a cartridge mount 34 is provided at the first end 14 of the handle 12 to mount the cartridge 18 to the handle 12. The razor blade cartridge 18 selectively attaches to and detaches from the cartridge mount 34. Any known shaving cartridge mount can be utilized. In this embodiment, release buttons 36 cooperate with the razor mount 34 such that when the release buttons are pressed inward, i.e., toward the handle 12, the mount disengages the razor cartridge so that the cartridge can be removed. Similar to a conventional wet razor, the cartridge 18 can pivot in an axis parallel with the length direction of the cartridge, which is generally perpendicular to the handle 12.
In addition to the razor cartridge 18, the trimmer 24 is also disposed at or adjacent the first end 14 of the handle 12. The trimmer 24 is similar to a conventional trimmer in that the trimmer includes a first or stationary blade 40 and a second or moving blade 42. Alternatively, the trimmer 24 can include two moving blades, or a plurality of moving blades. In the embodiment depicted in
The trimmer 24 is provided with a finger pad 46 where a user can place his finger or thumb to move the trimmer. As seen in the embodiment depicted in
Referring to
The handle 12 also defines a power source compartment 58 that is adapted to receive a AAA battery 56 to provide power to the motor 50. Alternatively, the power source compartment 52 can be sized differently so that it can receive a different sized battery and/or power source. The power source 56 is accessible by removing the tail piece 32 from the front piece 26 and rear piece 28 of the handle 12.
The switch button 52 can be depressed inward and held in by the user so that the motor is in a momentary on position. The switch button 52 can also be depressed inward and slid in a first direction into a continuously on position where the motor 50 is energized until the switch button is slid in a second direction that is opposite the first direction. One non-limiting example of a switch mechanism is depicted in
Any transmission or linkage that translates the rotational movement of the motor 50 to reciprocating lateral movement can be used to connect the motor to the moving blade 42. A drive train, which is depicted schematically in
A post 72 extends normally from the crown gear 66. A follower rod 74 having an elliptical hoop 76 at one end connects to the post 72 by the hoop receiving the post. The follower rod 74 is fixed to the handle 12 (not shown in
When the switch button 52 is depressed into the momentary on position or slid into the continuously on position to close the switch 54, power is delivered from the power source 56 to the motor 50. The motor 50 rotates the pinion 64 which drives the crown gear 66. The crown gear 66 rotates with the post 72 on the hoop end 76 of the follower rod 74. Since the elliptical hoop 76 on the follower rod 74 has a minor axis that is perpendicular to the longitudinal axis of the follower rod and about equal to the diameter of the post 72 and a major axis that is parallel to the longitudinal axis of the follower rod and substantially greater than the diameter of the post, forces perpendicular to the axis of the follower rod, i.e., side-to-side, are translated to the follower rod and forces parallel to the axis of the follower rod are not translated to the follower rod. Accordingly, the follower rod 74 pivots about the pivot pin 78 resulting in lateral reciprocal movement of the moving blade 42.
As mentioned above, the moving blade 42 slides along the follower rod 74 between a distal end 82 of the follower rod and the pivot pin 78. The moving blade 42 is adjacent the pin 78 when in the stored position and is adjacent the distal end 82 when in a use position. To attach to the follower rod 74, the moving blade 42 includes a bracket 84 (
As the moving blade 42 is moved farther away from the pivot pin 78, e.g., from the stored position to the use position, the angular displacement of the distal end 82 of follower rod 74 is greater and, therefore, the lateral movement of the moving blade 42 is greater. The lateral reciprocal movement of the moving trimmer blade 42 can result in a desirable vibration of the first end 14 of the handle 12 which results in vibration of the razor cartridge 18. Additionally, the off-center weight 68 on the output shaft 62 of the motor 50 can also result in desirable vibration of the razor handle 12.
Since the razor blades 22 are periodically rinsed with water during use, gaskets are provided to protect the internal components of the assembly. A first gasket 88 receives the follower rod 74 to protect the components of the drive train assembly below the first gasket. As seen in
In addition to the external configurations disclosed in
An alternative configuration of a drive train for the moving blade of the trimmer is also disclosed. This configuration can be useful for a grooming tool where the trimmer pivots in relation to the handle; however, as mentioned above, any drive train that provides the lateral movement of the moving blade and can mount in or to the handle can be used to drive the moving blade. With reference to
With reference to
In use, the motor 94 engages and rotates the cam 96 which results in the off-center projection 98 rotating about the axis of the output shaft. Since the slot 104 of the arm 102 is open in a vertical direction, vertical forces of the projection 98 are not transferred to the arm 102 so that the arm only moves in a side-to-side or horizontal direction. The side-to-side movement of the arm 102 results in a side-to-side movement of the forked end 106 that receives the post 112 in its inlet 108. Accordingly, the post 112 moves side-to-side moving the second or moving blade 42 side-to-side. As seen in
An embodiment using the drive train depicted in
As noticeable in
Grooming tools such as those described above are typically sold in a package 130, as shown in
In an alternative embodiment, a package can be provided that allows a customer to urge the switch button into the momentary on position while preventing the urging of the switch button into the continuous on position without having an opening. For example, the cover can include a flexible portion adjacent the switch button 52 that allows for the button 52 to be depressed through the cover while precluding the consumer from sliding the switch button 52 into the continuous on position. In such an embodiment, a structure, such as but not limited to the rib described above, can prevent movement of the switch button into a continuous on position.
In alternative grooming tool embodiments, two switch buttons can be provided (see
A number of different embodiments of a grooming tool that combines the benefits of an electric trimmer and a wet shaver have been disclosed. Obviously, modifications and alterations will occur to others upon a reading and understanding of the preceding detailed description. The invention, which is defined by the appended claims, is intended to cover all alterations and modifications insofar as they come within the scope of the appended claims and the equivalents thereof.
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On Saturday, speaking to priests-in-training and nuns, Pope Francis said a car is necessary to do a lot of work, but it shouldn't be a fancy one. He said, "Just think about how many children are dying of hunger in the world." He added that seeing priests and nuns in the latest-model cars hurts him.


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Crumble your eggshells and sprinkle your coffee grounds in your garden to enrich your soil without a full-blown compost pile. Ready for the next level? This helpful guide from the U.S. EPA tells you how to start composting in your home or yard!
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This 1970 Challenger is one Sinister Bad Boy that features beautiful black paint, totally rust free, red & black interior, external hood mounted gauges... More
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Matching numbers 383, 59,438 original miles, mostly original car with one high-quality repaint. Two sets of wheels and tires. Runs and drives very well,... More
Numbers Matching with 2 Buildsheets and tons of reciepts over the years, All original sheet metal and hood, original cowl and radiator support numbers,... More
1974 Dodge Challenger Rallye. Complete matching numbers. Scheduled build date 12/10/1973. High quality nut and bolt factory correct restoration. 1,000's of hours have been spent stripping everything... More
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5.0 out of 5 stars A sports-fiction about the disabled,
By A Customer
This review is from: The Great Quarterback Switch (Paperback)
The Great Quarterback Switch, by Matt Christopher, is a book about a boy named Michael, who is physically disabled. Michael is stuck in a wheelchair the rest of his life. He has a twin brother Tom, who plays football. Michael goes to every game, wishing he could play. One day, the twins meet their next door neighbor. Ollie Prutte is pretty old. He believes in mental telepathy. Ollie tells the boys instructions on how to do telepathy, from what he knows. At Tom's next football game, it happens, the telepathy works!! This book, a sports-fiction book, is great for young sports readers. The author, Matt Christopher, is presently living in Rock Hill, South Carolina with his wife, Cay. He has written more than thirty sports novels for children.
One reason why readers like this book is because I love sports books and Matt Christopher is really good at writing for kids. A really good scene is when, on the second game of trying telepathy, it works and Michael scores two touchdowns. Another reason why readers enjoy this book is because Matt writes books so that it makes it seem real-life, not fiction. He is a great writer.
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The Great Quarterback Switch by Matt Christopher (Paperback - Sept. 3 1991)
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Brighton's Maccabees have gone from strength to strength since the release of their debut top 30 album 'Colour It In' in 2007. Their brand of slightly off-kilter British art-rock has seen them compered to the likes of Wire, Blur, Magazine, Futureheads and XTC. The frenzied live shows have generated stage invasions and riotous crowds buzzing to the sounds of already classic anthems like 'About Your Dress' and 'Toothpaste Kisses'.
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Negative - Cosgrove, Victoria, circa 1936 Reg. No: MM 003983
- Description Of Content:
- A rail car and trailer at the Cosgrove Railway Station. The car, a standard motor car fitted with flanged wheels, is painted in diagonal stripes. Several people stand on the platform, and the wooden station buildings are behind them.
- Acquisition Information:
- Copied from G Mackenzie, 1987
- Acknowledgement:
- The Biggest Family Album of Australia, Museum Victoria
More information
|Tagged with:
|motor cars, rail transport, railway rollingstock, railway stations, railways, signage
|Themes this item is part of:
|Images & Image Making Collection, Transport Collection, The Biggest Family Album in Australia Collection
|Primary Classification:
|Secondary Classification:
|Railways - Internal Combustion Power
|Tertiary Classification:
|petrol rail motors
|People Depicted:
|MacKenzie, A.G.G.
|Organisations Depicted:
|Cosgrove Railway Station
|Negative: Black & White; 35 mm
|Place & Date Depicted:
|Cosgrove, via Shepparton, Victoria, Australia, circa 1936
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Title: The anatomy of the brain containing its mechanism and physiology : together with some new discoveries and corrections of ancient and modern authors upon that subject : to which is annex'd a particular account of animal functions and muscular motion : the whole illustrated with elegant sculptures after the life by H. Ridley ...
Author: Ridley, Humphrey, 1653-1708.
Publication Info: London : Printed for Sam. Smith and Benj. Walford ..., 1695.
subjects: [Brain -- Early works to 1800] [Animal locomotion -- Early works to 1800]


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Please visit www.totalwebcasting.com/live/monticello to view live footage of Monticello High School's 2015 graduation held on Sunday, June 28. Congratulations to our graduates and Happy Summer to all!
The Monticello Class of 2015 bid farewell at on Sunday, June 28 during a commencement ceremony at SUNY Sullivan.View highlights from graduation in the video below and, for many more images, check out Monticello's graduation photo album on Facebook.
The Monticello Central School District has announced its participation in the Summer Food Service Program (SFSP) in which meals will be provided to all children 18 years and under without charge during the week. read more
Monticello High School will offer a summer learning academy for credit recovery and enrichment. from July 6 to August 13, 2015. Click here to view a brochure or read more.
EPIC Coordinator Jane Sorensen and RJK Middle School Guidance Counselor Nancy Wilhelm were recognized at a recent annual meeting of the Sullivan County School Boards Association. read more
Congratulations to third grade teacher Carolyn Rojas, who is a great example of "being greater than the average." read more
At its June 4 meeting, the board of education awarded individuals from the district for demonstrating a greater than average commitment to students and education. In addition, the board recognized five teams as "Scholar Athletes." read more
The Food Service Department is currently accepting food distribution sites for the Summer Food Service Program, in which free breakfast and hot lunch will be delivered to any club, camp, activity or program that operates within the district. read more
Footings, Inc. recently notified Monticello Central School District officials that its subsidiary, ClubRec, would no longer be providing before and after school care services for Sullivan County, effective September 1, 2015. read more
Six students were recently honored for their outstanding leadership and devotion to health and physical activity with a Physical Education Leader Award at a ceremony at Washingtonville High School. read more
On June 2, twelve students attended a special youth summit held at the New York Giants' MetLife Stadium in conjunction with the Fuel Up to Play 60 program. read more
Superintendent Tammy Mangus reflects back on the school year in this year's final issue of The Monti Navigator. view June issue [PDF]
To ensure the safety and security of all students, employees and visitors to our buildings, the district has implemented new safety procedures. All visitors to any building are required to adhere to the outlined procedures listed here. Click here to read the Monticello Board of Education policies regarding visitors.
As part of ongoing efforts to further recognize the health, safety and well-being of every student and staff member, the district has added a School Safety page to the website. This page can be located on the left hand column of the website under "District Links."
The Monticello Board of Education adopted the 2015-16 school year calendar during the March 26 BOE meeting. see calendar [PDF]
The board met with Superintendent Mangus to identify key priorities and has set forth four goals for the 2014-2015, 2015-2016 and 2016-2017 school years. read goals
The school district calendar that will be mailed to households by mid-to-late August is now available for download. Please keep in mind that the best resource for updated information is the district web site. CLICK HERE to view or download the 28-page document in its entirety.
To anonymously report a bullying incident or threat of violence, click on the icon and fill out the electronic form. This form allows individuals to confidentially report urgent and sensitive information to school officials.
If you have questions or concerns you would like to share, please click on the ? button and fill out the online feedback form. A district representative will respond to you within 72 hours. We welcome your input!


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High performance Dodson Custom Home. This new home in Oklahoma City has an open layout with vaulted ceilings, crown molding, and fireplace. Gourmet kitchen with 3cm granite, under-mount sink, custom cabinets, stained wood work, stainless steel appliances, breakfast bar and pantry. Spacious master suit with tiled shower, jacuzzi tub & WIC. Split bedroom floor plan for added privacy. Upstairs bonus room with half bath. Tons of storage and covered patio. Enjoy community amenities and Deer Creek Schools.
Learn More
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@AnonaMiss_WBA awww stop it! We think you're awesome. :)
@tanesia__ well we hope to see you soon then! What's your favorite pizza?
@AnonaMiss_WBA you can get most of that with us! I'm sure we can attempt some Jerk chicken. :)
You have the best frozen pizza I have ever tasted. Your frozen pizzas are better than most restaurants around the Carolinas. My wife and my two daughters feel the same way. I wish you had restaurants around here and also wish that more grocery store chains would carry your pizzas. Keep up the great art of making fine pizzas."
I tried my first Home Run Inn frozen pizza tonight and thought it was the best frozen pizza I have ever had. Great crust and the sauce has an excellent flavor. Thanks for making this great product available in the south!"


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Game Stats
Game Stats
W: F. Hernandez (1-0) L: J. Weaver (1-2)
S: M. Lowe (1)
|1st Inning
Raul Ibanez (3) solo shot to right off Weaver.
|3rd Inning
Jeff Mathis (1) solo shot to left center off Hernandez.
|4th Inning
Raul Ibanez (4) solo shot to right off Weaver.
|6th Inning
Gary Matthews Jr. (2) solo shot to center off Hernandez.
Kotchman reached on an infield single, Anderson scored.
|6th Inning
Sexson walked, Lopez scored, Ibanez to third, Vidro to second.
Wilkerson singled to center, Ibanez and Vidro scored, Sexson to third.
|7th Inning
Guerrero singled to center, Aybar scored, Figgins to third.
|7th Inning
Ibanez ground-rule doubled to center, Suzuki scored.
|8th Inning
Izturis safe at first on 1st baseman Sexson's fielding error, Hunter scored, Willits to second.
|8th Inning
Johjima doubled to left, Cairo scored.
Betancourt tripled to center, Johjima scored.


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You can now invite anyone to meet at your favorite Starbucks.
Limited-time feature
29 year old man | Chicago, IL, USA | Seeking women 25-29 within 30 miles of Mount Prospect, IL
Hopeful Romantic!
I'd describe myself as easy going, sharp, and comical in a dry-sense-of-humor sort of way. I love good conversation as much as anyone else, however I am usually the one at family parties wrestling my family's dog... and then subsequently getting yelled at for breaking something. I am quite competitive and very confident, but love kicking back watching Netflix or reading a good book. I work as an engineer doing accident prevention for nuclear power plants. I try to golf most weekends in the summer, I bowl, play tennis, and I grew up playing hockey, playing into college. I also coach hockey on the side. My life revolves around my family and friends - I enjoy my job, but I am not someone who lives to work. I love travelling... I currently have enough miles for a free round-trip flight anywhere in the world - any suggestions?
Coffee and conversation , Movies/Videos , Playing cards , Playing sports , Volunteering , Watching sports
Bowling, Cycling, Golf, Hockey, Running, Skiing, Swimming, Tennis / Racquet sports, Walking / Hiking, Weights / Machines
I exercise 3-4 times per week.
I like Dogs
My family has a lab named Maggie that is really good at hide and seek.
Anywhere with a patio. And Molly's Cupcakes, of course.
University of Illinois at Urbana–Champaign, Champaign, IL
Hockey, golf, cooking, a good beer, bowling, white wine, House of Cards, Wedding Crashers, Walking Dead, Orange is the New Black, 60 Minutes...
It's the company, not so much the activity. I think I'm fairly adept at making most situations entertaining.
ESPN.com. The Alchemist is a personal favorite.
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
|What he is looking for
|5'8" (172cms)
|5'0" (152cms) to 5'8" (172cms)
|Body type:
|Athletic and toned
|Slender, Athletic and toned
|No preference
|Dark blonde
|No preference
|No Way
|No Way
|Social Drinker
|Social Drinker
|Technical / Science / Computers / Engineering
|No preference
Mechanical engineer
|I'll tell you later
|$35,001 to $50,000, $50,001 to $75,000, $75,001 to $100,000, $100,001 to $150,000, $150,001+
|Never Married
|Never Married
|Have kids:
|Wants kids:
|Definitely, Someday
|White / Caucasian
|White / Caucasian
|Christian / Catholic
|Christian / Catholic, Christian / LDS, Christian / Protestant, Jewish, Spiritual but not religious, Christian / Other
|Graduate degree
|Bachelors degree, Graduate degree, PhD / Post Doctoral
Illinois and U of C


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Erotic Entrepreneurs is success-minded community of self employed professionals who work in the field of sexuality.
We welcome a wide spectrum of people who do talk-based sex coaching, lead sex education workshops, write sexual help books, do hands-on somatic sex education, massage, teach Tantra, do energy healing or other holistic work.
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To join the group, your profile needs to have a headshot photo.
This group is for:
Erotic Educators
Sex Coaches
Relationship Coaches
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Sacred Intimates
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Dakas and Dakinis
Healing Professionals
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Life Coaches
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Sexual Freedom advocates and researchers
Erotic Entrepreneurs
Membership is open to everyone
Content of this Meetup Group is only visible to members
Meetup has allowed me to meet people I wouldn't have met naturally - they're totally different than me.
— Allison, started Women's Adventure Travel
Meetup members, Log in
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Stk. 1904 1957 Chevrolet Bel Air Every classic car has a story behind it…and so does this stunning example. Originally built in Atlanta, Georgia as... More
Stk. 1902 1955 Chevrolet Bel Air Convertible (Restomod) Originally found and purchased in good condition from a gentleman in Kentucky, this stunning 1955 Chevrolet Bel... More
The 50's beauty of black paint and gleaming chrome. "The Hot One is Even Hotter" was the motto that Chevrolet boasted for its 150, 210... More
1957 Chevrolet Bel – Air Nomad FOR SALE!!! Finished in Gloss Matador Red / India Ivory exterior over a Matador Red / Black interior. this... More
There are a lot of '57 Chevys out there. Heck, just look through our inventory and you'll find 20 or so nice ones. But... More
For sale in our Detroit showroom is this incredible 1955 Chevrolet Bel Air. These Tri-Five Chevys are especially desirable and this 55 is a... More
This street rod has a unique pain job! Teal, Watermelon and Apricot!! Engine is Chromed 350 Turbo Trans with shift kit 1974 Chevy 350, Bored .030 Over... More
1957 Chevrolet Bel Air Convertible in red with white top that has just undergone a highly detailed complete frame-off, rotisserie restoration. It is a... More
This excellent 1957 Chevrolet Bel Air convertible has had a frame off restoration. It is powered by a 283 Power Pack V8 with an... More
Price: $62,500 plus tax and title and doc fees, Sale price. Type: Used Year: 1955 Make: Chevrolet Model: Bel Air Body Style: Coupe Stock 173043 Mileage: 586 Engine Size: 350ci Transmission: Automatic Exterior Color: Blue/White Interior Color: Blue/White Vin: C55173043 866-230-2851 Contact Us [Free CARFAX Report] Free CARFAX Record Check Description Beautiful 1955 Chevrolet... More
1955 Chevrolet Bel Air 2-door hardtop, 350 engine, automatic, power steering, power disc brakes, air conditioning, show car, California car, sacrifice at only $58,000.... More
There are '57 Chevys and then there are '57 Chevys that serious collectors wait all their lives to own. This gorgeous Sierra Gold 1957... More
This absolutely stunning 1957 Chevrolet Bel Air is for sale in our Chicago Showroom. This gem is powered by a 385 CID Fast... More
1957 Chevrolet Bel Air Sport Coupe for sale in our Indianapolis Showroom. This 57 Chevy is offered as a turn-key fully restored classic and... More
This 1955 Chevrolet Bel Air 2dr Hard Top Coupe features a GM 502 V8 RAMJET FI 8cyl Gasoline engine. It is equipped with a... More


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Vehicle for Sale > USA > DC > DC Area
Cars and Vehicles for Sale in 20737(1 - 15 of 117,605)
$9,000 Pontiac BonnevilleAnnandale, VAVery Rare 1960 Pontiac Parisienne. Built in Canada, Sits on a 1960 impala frame from the factory.so all the running gear is 1960 chevy. A...Lanette B. · 5 days ago
$6,890 Spacious and Clear 2006 Ford Fx4 off Road Package F250Daniels, MDSPACIOUS AND CLEAR 2006 FORD FX4 OFF ROAD PACKAGE F250. Options: Sunroof, 4-Wheel Drive, Leather Seats, CD Player. Mileage: 186,102 Driv...Fobug W. · 4 days ago
$7,070 Low Mileas!!!Like New!!!2004 Hummer 5967CC H2 V8Odenton, MD… Engine: 6.0L 5967CC 364Cu. In. V8 GAS OHV Naturally Aspirated Options: navigation, bo...Evellyn B. · 4 days ago
$9,100 \1988 Bmw M3139,200 miles · Fort Washington, MD1988 e30 m3. Diamond Schwartz over Plaid interior. Some Facts: DOT VIN on right front fender.Kim L. · 4 days ago
$3,856 2001 Toyota Tundra XTRACABHighlandtown, MD… 4 Door AM/FM stereo Auxilliary engine cooler Cancellable Passenger Airbag Cassette player with auto-rever...Alferd S. · 1 day ago
$3,500 --++--1930 Packard 733 Chrome--++--Burke, VAThis car was put in storage in the early 1950's. This is a real solid complete car has all its hard to find pieces such as cigar lighter,...Denis L. · 1 day ago
$2,539 2006 Honda CR-V SE 4WDBaltimore, MD4WD 4-speed automatic. AM/FM/cassette stereo w/ 6 disc CD changer. Factory roof rack. Good gas mileage - 26 mpg! Power moonroof. Power lo...Charles R. · 1 week ago
$13,000 2006 toyota 4 runner 4x410,000 miles · Hyattsville, MDI have a burgundy 2006 4 runner 4×4 burgandy with gray leather seats in perfect condition brand new tires brakes rotors with maryland sta...
$2,600 *** """Super rare 2001 LIDO GOLF CART""""***Fort Washington, MDPRVoyRnFJM AUOOMGJWdZ acSNcyS ixXdUl lgjSvdNHD qEbYla EpEcFkJyTz lixcvIaR oUhmRE ====>>SUPER RARE 01 LIDO 4 SEAT SHOW TRUCK, 25mph ELEC...Gregoryprettyyk V. · 1 week ago
$5,250 1959 dodge m37Oakton, VAI'm selling my 1959 dodge m37 power wagon. this period correct was done over 7 years. it has a flathead 6 cal motor and manual 4 speed tr...Theatel D. · 2 weeks ago
$1,844 5 speed.automatic 2002 toyota xcab v6Washington, DCgreat truck for sale here! 6 cylinder engine runs like a top! Starts every time even at 4am in February with the AUTOMATIC STARTER 5 spee...George N. · 2 weeks ago
$4,849 fgh5675675·• .·´¯`·. 2005·• .·´¯`·. ·• .·´¯`·. Toyota...Fort Mcnair, DC":>?>>?>>:"L":L":L":>?>>?>>:"L":L":LLights all work well, along with turn signals, head lights, high beams, brake lights, parking lights,...Ricky S. · 1 week ago
$2,500 1999 Honda Accord 4 Door Sedan146,000 miles · Hyattsville, MD1999 Honda accord silver 4 door sedan in good condition car has 148k miles you can come test drive the car for as long as you want bring ...
$3,000 2002 Honda Civic166,000 miles · Hyattsville, MD2002 SIVER EXTERIOR GREY INTERIOR AUTOMATIC HAS 166K MILES THE CAR IS IN GREAT RUNNING CONDITION ENGINE AND TRANSMISSION ARE IN GREAT CON...
$8,000 2009 Dodge Charger for sale98,350 miles · Rockville, MDSelling my 2009 Dodge Charger SXT, 3.5 liters -- price negotiable. Hablo Español Features premium 20'' wheels, low mileage (90,735), rea...Natalie E. ·1 listing · 21 hours ago
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USDA Rural Development - IOWA Guaranteed Single Family Housing Loan Program TABLE OF CONTENTS Program Summary/Terms .................................................................. Page 1 Closing Costs Interest Rates Fees Refinancing Automated Underwriting .................................................................... Page 2 Applicant Eligibility ............................................................................. Page 2 CAIVRS Income Credit History Ratios Property Requirements ...................................................................... Page 4 Condos Modular Homes Duplexes New Construction Flood Plain Outbuildings Inspections Townhouses Location Eligibility Warranties Manufactured Homes Processing SFHGLP Loans ............................................................... Page 8 Closing Checklist Repairs/Escrow Conditional Commitment Underwriting Processing Checklists Servicing SFHGLP Loans .................................................................. Page 9 Delinquency Loan Note Guarantee Paid in Full Loans Reporting I 10/2011 EXHIBITS B Waiver - Risk Layering Analysis - OPTIONAL D SFHGLP Loan Analysis - OPTIONAL G Approved Dealer/Contractors H Manual Underwrite Processing Checklist - OPTIONAL H-1 Guaranteed Underwriting System (GUS) Accept Processing Checklist - OPTIONAL H-2 Refi Processing Checklist – OPTIONAL I Closing Submission Checklist – OPTIONAL INCOME LIMITS & PROPERTY ELIGIBILITY http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do FORMS http://www.rurdev.usda.gov/RegulationsAndGuidance.html Click on Forms 1980-21 Request for Guarantee 1924-25 Plan Certification – new construction only 400-1 Equal Opportunity – new construction only 400-6 Compliance Statement – new construction only 1980-19 Loan Closing Report 1980-11 Lender Record Change 1980-D INSTRUCTION http://www.rurdev.usda.gov/RegulationsAndGuidance.html Click on Instructions ADMINISTRATIVE NOTICES (ANs) http://www.rurdev.usda.gov/RegulationsAndGuidance.html Click on Administrative Notices Refer to the 1980-D Instruction for more specific information on the SFHGLP program. II 10/2011 GUARANTEED SINGLE FAMILY HOUSING LOAN PROGRAM PURPOSE Rural Development offers private lenders a user-friendly program to assist households who are not eligible for conventional financing or any other type of government guaranteed loan and who do not exceed moderate income, purchase new or existing dwellings for use as a primary residence in rural areas. Income and property eligibility may be tested at http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do. Rural areas are those communities under 20,000 population and rural in character. Open country is considered a rural area. REFINANCING existing SFHGLP loans or Rural Development 502 Direct loans is authorized. No other refinancing is eligible. Contact your local Rural Development office for the current guarantee fee rate. The SFHGLP may not be used to refinance leveraged loans from a non-Rural Development source that was closed simultaneously with a 502 direct loan. Use Exhibit H-2 as an optional processing checklist. SFHGLP loans may be assumed by an eligible SFHGLP applicant; however, the transferor is not released of liability. 100% FINANCING IS AVAILABLE TERMS 100% financing is available. No down payment is required. Approved lenders may loan up to the appraised value and therefore may loan for REPAIRS and/or CLOSING COSTS if the appraised value is sufficient. (NOT TO INCLUDE REPAIR ESCROW) INTEREST RATES are negotiated between the borrower and the lender. However, the rate must not be more than the Fannie Mae required net yield for 90-day commitments on 30-year fixed-rate mortgages plus 60 basis points rounded up to the nearest one-quarter of a percent (not applicable for refinances). The daily and historical Fannie Mae rates can be obtained at http://www.efanniemae.com/sf/refmaterials/hrny/index.jsp or check your rate sheet. Lenders may charge the usual and customary FEES for a SFHGLP loan as for similar transactions. The closing costs must be reasonable. Loan dockets that contain excessive costs will not be approved. There is a one-time SFHGLP FEE due at closing to Rural Development. Closing costs may be gifted, however, the secondary market may cap this amount, talk to your underwriter. If closing costs are borrowed, the debt must be included in the ratios. ANNUAL FEE of 0.3 percent based on the average scheduled unpaid principal balance of the loan, for both purchase and refinance loan transactions. The Annual Fee will be payable each year therefore lenders may establish an escrow account to collect the annual fee from the borrowers on a monthly basis. The Annual Fee Calculator is available at https://usdalinc.sc.egov.usda.gov/USDALincTrainingResourceLib.do Applicants may not receive any cash back at closing, other than the documented amount representing costs paid in advance by the borrower from their personal funds (i.e. earnest money deposit, appraisal, credit report fees). Pro-rated real estate taxes are not paid by the borrower. Pro-rated taxes are paid by the seller. The borrower cannot be paid pro-rated real estate taxes. Pro-rated credits for taxes must be either: 1) Applied as a principal reduction to the guaranteed loan or 2) Reduce the amount of the loan by the amount of pro-rated real estate tax credit This same guidance applies to any excess funds remaining from seller paid concessions. There is no mortgage insurance on a SFHGLP loan. 1 This Handbook does not supersede 1980-D Regulation Down payment and closing cost assistance programs such as Iowa Finance Authority (IFA) programs may be used in conjunction with SFHGLP loans. Furthermore, any type of joint financing can be considered for use with a SFHGLP loan. AUTOMATED UNDERWRITING The Guaranteed Underwriting System (GUS) is available to all approved lenders as an option, although use is not required at this time. GUS incorporates the underwriting requirements of RD Instruction 1980-D and uses a modified version of the Federal Housing Administration (FHA) mortgage scorecard known as Technology Open To Approved Lenders (TOTAL) in an web-based automated underwriting environment. The GUS is available to activated users 24/7 with no fees. The system allows the user to pre-qualify, determine eligibility, and submit the file to the applicable Rural Development office. Minimal documents are needed for file submissions via GUS. View online training anytime at https://usdalinc.sc.egov.usda.gov/USDALincTrainingResourceLib.asp. Scroll down & click on GUS Lender Overview Training to see how it works! Obtain a sign up package for GUS via Iowa's website at http://www.rurdev.usda.gov/ia/rhsguar_Participating_Lender.html. APPLICANT ELIGIBILITY INCOME- Annual and Repayment The applicant's household adjusted annual income may not exceed the county's established MODERATE INCOME limit. Income limits may be found at http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do Household size is determined by the number of persons who will physically occupy the dwelling on a permanent basis. A person does not need to be listed on the note to be considered a household member. The income of ALL adult household members must be included in the household income calculation. Household income includes not only ALL wages, but all bonuses, overtime, child support, alimony, Social Security, etc. for all persons over the age of 18 that will live in the home. Income received by minors will be counted as income when it is the form of SSI or support of another type. Wages earned from minors are not considered household income. Income from students that are 18 or older will be used in the determination of household income. Adjustments to annual income include dependent children (deduct $480 for each child) and child care expenses for dependents under twelve. Other deductions may include full-time adult students, elderly families and medical expenses for elderly families. Adjusted income is calculated by subtracting the adjustments from gross income. Refer to Rural Development Instruction 1980.347 and applicable Administrative Notices (ANs) for more information about calculating gross and adjusted income. Use of Exhibit D to determine income qualification for a SFHGLP loan is optional. 2 This Handbook does not supersede 1980-D Regulation RATIOS Applicants must demonstrate adequate repayment ability by meeting Underwriting RATIOS Ratios. Income used in the ratios should be derived from those who are parties to the 29/41 note. Income used in the ratios should be supported by historical evidence. Monthly housing expense to gross income may not exceed 29%. Total obligations to gross income may not exceed 41%. Child care paid is not considered a debt in the ratios while Child Support is considered. All debts with more than six months remaining are required to be included in the total debt ratio. Shorter term debts that may have a significant impact on repayment ability may also be considered in determining ratios. Revolving debt will always be considered when calculation debt ratios regardless of the balance. If no monthly payment is listed, the underwriter may use 5% of the balance for the monthly payment due or the applicant can provide a recent statement as evidence of a lower payment. Deferred student loans must be included in the debt ratio calculations regardless of the deferment period. If the credit report does not indicate a monthly payment amount, lenders may use the monthly payment amount provided by the loan servicer or 1% of the loan balance reflected on the credit report. Any co-signed debts as well as obligations on previous mortgages must be included as a debt in underwriting ratios unless the lender submits 12 months of cancelled checks documenting that another responsible party is paying the liability. The underwriting ratio requirements may be exceeded in occasions where acceptable compensating factors exist or if the credit score of the applicant(s) exceeds 680. Rural Development Instruction 1980.345 and applicable ANs provide more specific details regarding repayment ability for a SFHGLP loan. Exhibit B, Risk Layering Analysis, is optional and may be utilized to document the decision by the underwriter. CREDIT The applicant's credit history must indicate a reasonable ability and willingness to meet obligations as they become due. CREDIT VERIFICATIONS There are two main credit verifications required by Rural Development. Credit Reports Rural Development accepts Residential Mortgage Credit Reports (RMCR), Tri-Merged Reports (MMRC) or Nontraditional Mortgage Credit Reports (NTMCR) for the SFHGLP program. Credit reports that meet the standards of Fannie Mae, Freddie Mac, HUD, VA and Rural Development are acceptable. Three nontraditional sources are required for applicants with current rent/housing history. Four nontraditional sources are required for applicants with no rent/housing history. Tradeline sources must be open and have a 12 month history. Credit reports must be re-verified if the loan is not closed within 120 days from the date of the original verification (180 days for proposed new construction). Credit Alert Interactive Voice Response System (CAIVRS) Lenders must document the CAIVRS number prior to submitting a SFHGLP application and documenting the confirmation number above applicant's signature on page 2 of Form RD 1980-21, Request for Single Family Housing Loan Guarantee. Effective October 1, 2008, access to CAIVRS will be completed via the Internet. CAIVRS identifies individuals who have delinquent Federal debts. The applicant must be current and judgment-free on any Federal debt; this includes any previous Rural Development or Farmers Home Administration debt. The instructions for checking CAIVRS are as follows, or may be found at https://entp.hud.gov/caivrs/public/caivrs_phone_script_lenders.htm: Internet Access for FHA Approved Lenders FHA lender staff currently accessing CAIVRS via the telephone who have FHA Connection User Ids will need to request that their FHA Connection Application Coordinator update their FHA Connection profile to 3 This Handbook does not supersede 1980-D Regulation include CAIVRS. FHA lender staff that does not have FHA Connection User Ids should access the FHA Connection at: https://entp.hud.gov/clas/index.cfm, and select Registering to Use the FHA Connection to request a User ID and access to CAIVRS. Internet Access for Non-FHA Participating Agency Lenders Non-FHA lender staff currently accessing CAIVRS via the telephone will need to request access from HUD's Internet site at https://entp.hud.gov/caivrs/public/home.html, and select Registering Lender User ID from the main menu. Each non-FHA lender must request at least one Application Coordinator User ID as well as a Standard User ID for each individual user. Lenders utilizing GUS are provided with a service that automatically retrieves a CAIVRS number for each applicant upon completion of the "Borrower" application page. HISTORY Credit Scores are only used to streamline application processing. There are no minimum credit scores. Please review current AN for further guidance. A description of unacceptable credit may be found in Rural Development Instruction 1980-D at 1980.345 If an applicant's credit score is < 640 and the family has experienced adverse credit as described in 1980-D, the lender's underwriter must submit written documentation that the circumstances that caused the delinquency were beyond the applicant's control and those circumstances have been removed. Exhibit B, Risk Layering Analysis, may be utilized to document the decision by the underwriter. If the credit score of applicant(s) is 640 or above, credit waivers are not required and lender may proceed with application without issuing a credit waiver. Lender must document their permanent mortgage loan file with their rationale for the waiver. OTHER The applicant does not need to be a first-time home buyer. However, there are several other eligibility criteria that applicants must meet to qualify for a SFHGLP loan. ► If the applicant owns a home, it must be sold prior to (or simultaneous to) the closing of the new purchase loan. ► The borrower must intend to occupy the home on a permanent basis. ► Co-Signers are not allowed with RD financing. PROPERTY REQUIREMENTS The property must be located in a rural area or rural community. Certain communities are ineligible due to size and/or location within a MSA (Metropolitan Statistical Area). Property location eligibility may be determined at http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do. The property must be a SINGLE FAMILY DWELLING. APPRAISALS The appraisal forms that must be used for loan origination purposes are as follows: • Uniform Residential Appraisal Report (URAR): FNMA 1004/FHMLC70 for one unit single family dwellings • Manufactured Home Appraisal Report and Addendum: FNMA 1004C/FHLMC 70B for all manufactured homes 4 This Handbook does not supersede 1980-D Regulation • Individual Condominium Unit Appraisal Report: FNMA 1073/FHLMC 465 for all individual condominiums units A complete URAR, must be completed by licensed or certified state appraisers. The appraised value must at least equal the loan amount. The appraisal must contain at least three comparable properties that have been sold within the past 12 months. Comparables from similar communities may be used if adequate comparables do not exist in the subject community. The appraisal must contain photos of all comparables as well as the subject property. (An appraisal is not required if refinancing an existing SFHGLP loan and the SFHGLP fee only). The cost approach section of the appraisal is required to be completed when dwellings are less than one year old. For dwellings more than one year old, the cost approach section needs to be completed only to the extent necessary to comply with site value analysis of 1980.313(e). Form 1004 MC "Market Conditions Addendum to the Appraisal" must accompany all appraisals. INSPECTIONS Properties serving as collateral must meet the requirements of RD Instruction 1980-D, section 1980.341(b)(1)(i) (Meets the current requirements of HUD Handbook 4150.2 and 4905.1.). The qualified inspector may be an FHA Roster Appraiser or one deemed qualified by the approved lender. An appraisal performed by an FHA Roster Appraiser, when prepared in accordance with HUD Handbook 4150.2, serves as acceptable documentation to comply with existing dwelling inspections. Appraisers may certify the requirements have been met on page three of the appraisal form in the "Comment" section, in an addendum to the appraisal, or elsewhere on the appraisal form. A separate Home Inspection Report prepared by a home inspector deemed qualified by the approved lender may also be an option to meet existing dwelling inspection requirements. Finally, if an FHA Roster Appraiser is not available, the lender may determine that a non-FHA roster appraiser is qualified to perform the home inspection as long as the lender is assured that the non-FHA roster appraiser is thoroughly familiar with HUD Handbook 4905.1 and 4150.2. An individual who is not thoroughly familiar with HUD Handbook 4905.1 and 4150.2 should not certify that a property meets all the HUD Handbook standards. Doing so would constitute a misrepresentation. Lenders should be reminded that they are responsible for the acts of their agents, including appraisers. The inspection (appraisal or home inspection report) will be submitted as part of the SFHGLP application. The HUD Handbooks are available from the HUD Ordering Desk at 1-800-767-7468. Dwellings with space heaters, wall furnaces or gravity heat as their primary Home Inspection source of heat are not acceptable. -or- Documentation FLOOD PLAIN per HUD HB 4150.2 Existing properties located in the 100-year flood plain are eligible for a Rural Development guarantee when flood insurance is obtained. (The insurance cost must be included in the ratios.) Lender must submit FEMA, Standard Flood Hazard Determination, FEMA 81-93 and an Elevation Certificate completed by a land surveyor, engineer, or architect who is authorized by law to certify elevation information. The Elevation Certificate is an important administrative tool of the National Flood Insurance Program (NFIP). It provides a way for a community to document compliance with NFIP's required community floodplain management ordinance. This certificate DOES NOT provide a waiver of the flood insurance purchase requirement and RD will not allow a waiver for flood insurance. Per 1980.318(a)(4) it indicates the first floor elevation must be above the 100-year flood zone elevation. How do I determine what is considered the first floor? In a non-elevated building, the lowest floor used for rating is the building's lowest floor including a basement, if any. If basement has at least one window or door to provide daylight and at least one window or door that can be opened to provide an escape 5 This Handbook does not supersede 1980-D Regulation or rescue opening, that basement meets the definition of "lowest floor" and is considered the first floor, therefore, the basement must be above the 100-year flood zone. LOCATION The site must be located on an all-weather road. The value of the site must not exceed 30% of the total value of the property. Rural sites with values exceeding the 30% of the total value may be acceptable if the lender obtains documentation from the local zoning office that the site cannot be further subdivided for residential purposes based on its current zoning. Properties with OUTBUILDINGS (besides the house and garage) and/or NON ESSENTIAL LAND are not eligible purposes. NEW CONSTRUCTION The builder and lender are responsible for seeing the following requirements are met to insure the proposed new construction of single family dwellings is eligible for SFHGLP. ► An appraisal will be made prior to construction by a state certified appraiser. The appraisal needs to support the decision to build the dwelling at the proposed cost. ► The plans and specifications must meet appropriate building codes and Rural Development thermal guidelines for new construction (Model Energy Code). ► Applicable development standards are adhered to. New Construction is not ► Applicable laws, ordinances, codes and regulations are in allowed in a flood plain! compliance. ► Drawings, specifications, and estimates are adequate. ► Adequate water, electric, heating, waste disposal and other necessary utilities and facilities are obtained. The water and water/waste disposal systems must be approved by a state or local government agency. ► Construction and development are performed expeditiously and properly including inspections of sites and construction or development in various stages of completion to determine that work and material conform to the approved certified drawings and specifications and any other requirements. ► A final payment is made only after the final inspection has been made and the construction or development has been found to be complete in all respects. ► A builder's warranty is issued when new construction, repair or rehabilitation is involved, which provides for at least one year's warranty from the date of completion or acceptance of the work. ► No claims or liens exist against the borrower or the security. New construction requires a plan certification as well as periodic inspections with a one-year warranty or a final inspection and a 10-year warranty. The following documentation should be maintained in the lender's case file in addition to the regular application package for new construction. CERTIFIED PLANS AND SPECIFICATIONS RD Instruction 1980.340(b)(1) The Lender's file must contain evidence that the plans and specifications comply with all development standards* applicable to the new construction. Acceptable evidence includes: 1. Copy of the certification from a qualified individual or organization that the reviewed documents comply with applicable development standards. Form RD 1924-25 "Plan Certification" is an acceptable format, but is not required. -OR- 2. Certificate of Occupancy issued by a local jurisdiction.** -OR- 3. Building Permit (or equivalent) issued by local jurisdiction.** The lender may accept certifications only from individuals or organizations trained and experienced in the compliance, interpretation or enforcement of the applicable development standards* for drawings and specifications. Plan certifiers may be any of the following: (1) Licensed architects, 6 This Handbook does not supersede 1980-D Regulation (2) Professional engineers, (3) Plan reviewers certified by a national model code organization, (4) Local building officials authorized to review and approve building plans and specifications, or (5) National codes organizations. * Applicable development standards - The current edition of any of the model building, plumbing, mechanical, and electrical codes listed in exhibit E of 7 C.F.R. part 1924, subpart A applicable to single family residential construction or other similar codes adopted by the Agency for use in the State. ** If this method is used, the State Director must determine whether local communities or jurisdictions qualify to use this form of "acceptable evidence" under RD Instruction 1924-A, Section 1924.5(f)(1)(iii)(C)(2). EVIDENCE OF CONSTRUCTION INSPECTIONS RD Instruction 1980.341(b)(2) The Lender's file must contain copies of the documents described in one of the following three options: 1. Certificate of Occupancy issued by a local jurisdiction that performs at least 3 construction phase inspections, including those prescribed in RD Instruction 1980-D, §1980.341(b)(2), and a 1-year builder warranty plan acceptable to Rural Development. -OR- 2. Three construction inspections performed when: ▪ Footings and foundation are ready to be poured and prior to back-filling. ▪ Shell is complete, but plumbing, electrical and mechanical work is still exposed. ▪ Final inspection of completed work prior to occupancy. ▪ A 1-year builder warranty plan acceptable to Rural Development. -OR- 3. Final inspection and a 10-year insured builder warranty plan acceptable to Rural Development. One contract for the entire development must be obtained when a house is built under contract (rather than spec). Forms RD 400-1 and 400-6 must be submitted. (Lender must comply with Equal Opportunity and non- discrimination.) New construction INSPECTIONS are to be completed by a construction inspector that the lender has determined to be qualified. A WARRANTY is a legally enforceable assurance provided by the builder (warrantor) to the owner and the lender indicating that the work done and materials supplied conform to those specified in the contract documents and applicable regulations. For the period of the warranty, the warrantor agrees to repair or replace any defective materials at the expense of the warrantor. ONE-YEAR WARRANTY: This warranty is provided by the builder and may be on their own form provided it covers the above information. TEN-YEAR WARRANTY: A ten-year warranty must agree to claim authority to act as a risk retention group under the Products Liability Risk Retention Act of 1981. This warranty may be obtained through any of the following warranty companies. (This list is subject to change.) Home Buyers Warranty Corp. (HBW or 2-10) Residential Warranty Corporation (RWC) 2675 S Abilene Street 5300 Derry Street Aurora, CO 80014 Harrisburg, PA 17111-3596 (800) 488-8844 (800) 247-1812 Manufactured Housing Warranty Corporation StrucSure Home Warranty 5300 Derry Street 6825 E. Tennessee Ave. Suite #410 Harrisburg, PA 17108-0641 Denver, CO 80224 (800) 247-1812 (303) 806-8688 7 This Handbook does not supersede 1980-D Regulation In addition to the Nationally Approved Warranty Companies listed above, the following warranty company is approved in the State of Iowa. Professional Warranty Service Corporation 4443 Brookfield Corporation Drive Chantilly, VA 20151 703-803-8230 HOME TYPES TOWNHOUSES, CONDOMINIUMS, and DUPLEXES - Can be eligible for the program. A copy of an acceptable association agreement, covering common areas and party walls, must be submitted for townhouses. Condos must be approved by HUD, VA, Fannie Mae, or Freddie Mac. Duplexes require a copy of an acceptable party wall regime be submitted. MODULAR HOMES - The new construction requirements of the warranty, inspections, plan certification, and Equal Opportunity also apply to modular homes. MANUFACTURED HOMES - To be eligible for the SFHGLP program, any manufactured home(sometimes referred to as a "mobile" home) must be a new unit less than 12 months old, never occupied and include the site. The date of the purchase agreement must be within one year of the manufactured date displayed on the plate attached to the unit. Units must be purchased and built through a Rural Development approved dealer/contractor. The unit must be placed on a permanent foundation in accordance with State Code and built in conformance with FMHCSS. See Exhibit G for a listing of approved dealer/contractors. A warranty, inspections and a plan certification are required. PROCESSING SFHGLP LOANS Lenders must become an APPROVED LENDER with Rural Development prior to submitting a SFHGLP application. Lenders who are "Full-Service" with IBMC need not become an approved lender. Mortgage Brokers working with approved lenders do not need approval. Use of Exhibit H, H-1, or H-2 PROCESSING CHECKLISTS, as appropriate is optional to assure that all required documents are submitted to Rural Development. In addition to the processing application, Rural Development requires one form, the REQUEST FOR GUARANTEE, Form 1980-21. Refer to optional Exhibits H, H-1 or H-2 to assure all processing documents are submitted to Rural Development. The approved lender is responsible for UNDERWRITING the loan prior to submitting the package to Rural Development. The risk analysis rests substantially with the lender's underwriter. The lender uses conventional forms and a state certified appraiser chosen by the lender. Limited Alternative Documentation (Alt Docs) is acceptable. Form 1008 must be signed by an approval official if utilizing this document as underwriting, a handwritten or typed name on this document is not authorized. Funded buy-downs may be utilized in certain circumstances. A compensating factor must be approved in advance for the use of a funded buy-down. Rural Development will issue a CONDITIONAL COMMITMENT within 24 HOURS of receipt of the application. If the loan amount or the interest rate increase after the Conditional Commitment is issued, the lender must comply with the following for Rural Development to issue a new commitment: 8 This Handbook does not supersede 1980-D Regulation ▪ The interest rate may still not exceed the Fannie Mae posted rate for 90-day delivery plus six tenths of one percent and then rounded up to the nearest quarter for a 30-year fixed-rate conventional loan. ▪ The lender must confirm that the applicant still meets the underwriting ratios. COMMITMENT ▪ The lender will submit a revised Request for Guarantee, RD Form WITHIN 24 HOURS 1980-21, revised Underwriting Transmittal, FNMA 1008, and a revised Uniform Application, FNMA 1003. In order to receive a Loan Note Guarantee prior to completion of development work, an ESCROW ACCOUNT may be established by the lender for exterior work only under the following circumstances: ▪ The weather does not permit the work to be completed and the work remaining does not affect the livability of the home. ▪ A signed contract and bid schedule are in effect for the proposed exterior work. ▪ The escrow account must be funded in an amount sufficient to assure the completion of the remaining work. 150% of the cost to complete is suggested, but the lender may require a higher amount if they deem necessary. The escrow may not be established with RD loan funds. ▪ The work will be completed within 120 days. ▪ A final inspection report is obtained and RD is advised when the work has been completed. Use of Exhibit I, CLOSING CHECKLIST is option to assure that all closing documents are submitted to Rural Development. Rural Development will issue the LOAN NOTE GUARANTEE once all closing documents have been submitted and completed appropriately. With the closing documents, Lenders must submit the SFHGLP fee. Refer to Exhibit I to assure all closing documents are submitted. SERVICING SFHGLP LOANS For every RD SFHGLP loan, the original Form RD 1980-17, LOAN NOTE GUARANTEE, is retained by the holding or servicing lender attached to the original Promissory Note until such time that the loan is no longer in effect. Lenders will service loans in accordance with the Lender's Agreement for Participation in Single Family Loan Programs, Form FmHA 1980-16. SFHGLP loans may not be sold to lenders who are not approved through Rural Development. SFHGLP loans may be sold to approved lenders without prior concurrence from Rural Development. The lender will submit a Lender Record Change, Form 1980-11 when a loan is sold to a lender other than Fannie Mae, Freddie Mac or Ginnie Mae. Tax and Insurance escrow accounts insured by FDIC are required. Servicers will REPORT on the status of ALL SFHGLP borrowers on a quarterly basis. Delinquent borrowers are to be reported on a monthly basis. Accounts are considered delinquent when more than 30 days past due. Reporting is done online at https://usdalinc.sc.egov.usda.gov (USDA LINC). Lenders may call toll free 877-636-3789, or email email@example.com to obtain a Trading Partner Agreement (TPA) to sign up for an ID to access the automated reporting system. When a SFHGLP loan is PAID IN FULL, the holder or servicer of the loan is to return the original Loan Note Guarantee to Rural Development stamped "Paid-in-Full" and notated with the date it was paid in full. It is not necessary to send a copy of the note. 9 This Handbook does not supersede 1980-D Regulation The stamped Loan Note Guarantee is to be returned to Rural Development. In addition to sending the Loan Note Guarantee to Rural Development, the loan must also be terminated electronically. This must be done during the next quarterly reporting period via the Electronic Data Interface (EDI) status reporting system by changing the Investor Reporting Action code to a "9". Lenders shall perform services which a reasonable and prudent lender would perform in servicing its own portfolio of loans that are not guaranteed. For all your Servicing needs please contact: Centralized Servicing Center-USDA, Rural Development 4300 Goodfellow Blvd. Bldg. 105E, FC-225 St. Louis, MO 63120-1703 1-800-550-5887 email@example.com LENDER REVIEWS Compliance reviews are a significant part of the oversight and monitoring process. These reviews are designed to help USDA Rural Development determine that Lenders and Servicers participating in the Single Family Housing Guaranteed Loan Program (SFHGLP) are operating within acceptable standards that minimize the risk to the Agency. The Lender/Servicers guaranteed loan files will be reviewed to assess compliance with the laws, regulations and policies governing the SFHGLP in the areas of loan production, eligibility, underwriting, servicing and quality control. The review will also include examining the business operating of the Lender/Servicer and interviewing personnel who work in the lending and servicing process. Additionally, the review will consist of an assessment of the Lender/Servicers' quality control operations and provide specific details of the process. Generally, compliance reviews will occur on-site at the Lender/Servicers' offices. Rural Development will perform a two-year Compliance Review on a sufficient sampling of loans originated and/or serviced by each Lender/Servicer who originated 25 or more loans per year or services a portfolio of 50 or more loans. A five-year Compliance Review will be performed on a sufficient sampling of loans originated and/or serviced by each Lender/Servicer who originated 25 or less loans per year or services a portfolio of 50 or less loans. Compliance Reviews may be conducted on loans developed by a newly eligible Lender to assure compliance with, and understanding of, Agency regulations. Thereafter, the Lender will be subject to a two- year or five-year review. 10 This Handbook does not supersede 1980-D Regulation USDA, Rural Development - Single Family Housing Guaranteed Loan Program EXHIBIT B Risk Layering Analysis OPTIONAL Applicant(s): ______________________________ ______________________________ Lender: ______________________________ Address: ____________________________________ Underwriter: __________________________ Phone: ________________ Fax: ________________ Loan Amount: ____________________ Repayment Income: _________________ Waiver Issue: Adverse Credit - Debt Ratio Waiver (Circle One) ____________________________________________________________________________________ ____________________________________________________________________________________ In cases where payment shock is 100% or higher as well as in cases where the applicant did not have housing expenses prior to purchasing a home, no additional risk layering should be allowed without strong compensating factors. Housing Payments: Current ____________ Proposed ____________ Payment Increase ____________ = __________% Compensating Factors: ____ Credit Score ≥ 680 __________ ____ Conservative Use of Credit ____ Excellent Credit History ____ Ratios _______/_______ ____ Stable Employment History for 2 years or more ____ Good Residual Earnings ____ Demonstrates Savings Pattern ____ Potential for Increased Earnings ____ Other: ________________________________________________________________________ Check all that apply: ____ I, the Underwriter, hereby waive the applicant's adverse credit circumstances. They were temporary of nature, beyond the applicant's control, and have been removed as documented above. ____ I, the Underwriter, hereby waive the applicant's adverse credit circumstances since the delinquency was the result of a justifiable dispute relating to defective goods or services as documented above. ____ I, the Underwriter, hereby approve the ratio above 29/41 due to the strong compensating factors documented above. Loan approval will be subject to all other underwriting conditions of both, Lender and USDA, Rural Development. ___________________________________________ ________________ Underwriter Signature Date USDA, Rural Development Waiver Granted: YES NO, reason ____________________________________________________ RD LOA Signature ____________________________________ Date ______________ 1/2011 EXHIBIT D OPTIONAL GUARANTEED LOAN INCOME ANALYSIS *** HOUSEHOLD INCOME CALCULATION *** All household income is included in this income calculation. Include all base, overtime, commissions, bonuses, child support, part-time jobs, etc. All income from all adult household members whether or not they are on the note. Refer to 1980-D, 1980.347. *** REPAYMENT INCOME CALCULATION *** Use income you would normally use for Repayment. This is income that has historically been received (typically 24 months). Before using OT in qualifying income, verify history of receipt for 24 months. Qualifying income is typically not the same as household income. Adjusted Annual Annual Income Repayment Income Borrower $______________ $______________ Co-Borrower $______________ $______________ Other Household Members $______________ $_____na_______ SS, SSI, Alimony, Child Support, etc. $______________ $______________ Total Income $______________ $______________ LESS: Adjustments to Annual Income Dependent Children #____ x $480 = $______________ Annual Child care expense $______________ Elderly ($400) $______________ Student or Disabled ($480) $______________ Total ADJUSTMENTS $______________ Adjusted Household Income $______________ is below the ______________ County Moderate Income Limit of $______________ For a household size of _____ people. $%$%$%$%$%$%$%$%$%$%$%$%$%$%$%$%$%$%$%$%$%$%$%$%$%$%$%$%$%$%$% Repayment Ability/Ratios Monthly Repayment Income $______________ PITI $______________ PITI Ratio ________% Other Monthly Debt** $______________ Total Debt $______________ TD Ratio ________% **All debts with more than 6 months remaining or shorter term debts with significant payment, child support paid and deferred student loans must be included regardless of the deferment period. ________________________________ _________________________ ____________ Lender/Underwriter Signature Title Date 01/2011 EXHIBIT G APPROVED MANUFACTURED HOUSING DEALER/CONTRACTORS USDA, RURAL DEVELOPMENT Brothers "3" Mobile Homes Burds Manufactured Housing Inc Burlington Mobile Home Sales Inc th 6007 16 Avenue S.W. 14680 Hwy 20 7567 Hwy 61 South Cedar Rapids, IA 52404 Peosta, IA 52068 Burlington, IA 52061 (319) 396-1549 (319) 556-7293 (319) 753-1012 Creston Mobile Homes Inc. Davis Homes Ferring Homes Corp. 1464 Highway 34 West 1650 Hwy. 34 West 4229 Lewis Access Road Creston, IA 50801 Mt. Pleasant, IA 52641 Center Point, IA 52213 (515) 782-4548 (319) 986-6198 (319) 849-2811 Four Seasons Homes Hallmark Homes Hames Mobile Homes 401 SE Oralabor Road 570 Birch Lane 631 Hwy 1 West Ankeny, IA 50021 Taylor, MO 63471 Iowa City, IA 52240 (515) 964-9880 (573) 393-2442 (800) 272-3032 Hilliard Mobile Homes Sales Horkheimer Enterprises Ida Grove Homes Inc. Rt. 5, Box 6 Highway 150 South, Box 296 Highway 175 East, Box 208 Chariton, IA 50049 Hazleton, IA 50641 Ida Grove, IA 51445 (515) 774-4913 (319) 636-2080 (712) 364-3177 Iseman Mobil Homes Kavanaugh Mobile Homes Lansing Homes 2900 Hwy 75 North Highway 77 & 20 Bypass 1211 Main Street, P.O. Box 328 Sioux City, IA 51105 South Sioux City, NE 68776 Lansing, IA 52151 (712) 252-0181 (402) 494-1520 (563) 538-4194 Nu-Trend Mobile Homes Prairie Du Chien Homesteader Ramsey-Jones Homes Inc. 6303 L. Street Inc. RR #1, Box 241-75 Omaha, NE 68117 PO Box 406 LaGrange, MO 63448 (402) 733-8900 Prairie Due Chien, WI 53821 (573) 655-2256 (608) 326-4919 Sarver Mobile Home Service Sherlock Homes Southwest Iowa Homes dba Century Homes of Oskaloosa 601 SW Oralabor Road 1620 Avenue J R.R. 2, Box 07 Ankeny, IA 50021 Council Bluffs, IA 51501 Oskaloosa, IA 52577 (515) 964-4242 (712) 322-9166 (515) 672-2344 Squaw Creek Village Sunset Sales Inc. Happy Homes Inc. 6201 Hennessey Parkway 811 Iowa Avenue W., Box 1266 3566 Highway 218 Marion, IA 52302 Marshalltown, IA 50158 Keokuk, Ia 52632 (319) 377-0990 (515) 752-6301 Sunrise Housing Inc. Erickson Trucking Inc. DBA Centennial Homes, Inc 14374 Highway 65 Lincoln Homes PO Box 1915- S Hwy 281 nd Iowa Falls, IA 50126 971 222 Drive, Hwy 30 Aberdeen, SD 57402-1915 (641) 648-4289 Ogden, Ia 50212 515-275-2717 01/2010 EXHIBIT H OPTIONAL SINGLE FAMILY HOUSING GUARANTEED LOAN PROGRAM MANUAL UNDERWRITE PROCESSING SUBMISSION CHECKLIST (This includes GUS Refer/Refer with Caution Applications) PRIOR TO PROCESSING ___ Complete a preliminary loan analysis (Exhibit D, optional) PROCESSING ___ Form 1980-21, Request for Single Family Housing Loan Guarantee (Rev 10/11) ___ Underwriting Approval Document-signed by underwriter (MUST be in file prior to submission) ___ FNMA 1008, Transmittal Summary- signed by underwriter ___ FNMA 1003, Uniform Residential Loan Application bearing borrower and lender interviewer signature (typed) ___ VOE(s) & most recent paystub(s) (See Iowa Single Family Housing Guaranteed Loan Program Handbook for additional guidance of acceptable documentation for verifying income ___ Other Relevant Income Documentation (Divorce Decree, Child Support Records, Social Security, Child Care Letter, etc.) if applicable ___ Residential Mortgage, Tri-Merge, or Non-Traditional Credit Report (see Iowa Single Family Housing Guaranteed Loan Program Handbook for further guidance on Non-Traditional Credit Reports ___ Other Relevant Credit Documentation ___ Rental Verification (12 months) (only required if score <640) ___ Purchase Agreement ___ Appraisal - complete URAR with all addenda including photos and Form 1004 MC "Market Conditions Addendum) ___ Property Inspection ___ Flood Certification 10/2011 EXHIBIT H-1 OPTIONAL SINGLE FAMILY HOUSING GUARANTEED LOAN PROGRAM GUARANTEED UNDERWRITING SYSTEM (GUS)--ACCEPT PROCESSING SUBMISSION CHECKLIST PROCESSING ___ Form 1980-21, Request for Single Family Housing Loan Guarantee (Rev 10/11) ___ Appraisal - complete URAR with all addenda including photos ___ Flood Certification 10/2011 EXHIBIT H-2 OPTIONAL SINGLE FAMILY HOUSING GUARANTEED LOAN PROGRAM REFI PROCESSING SUBMISSION CHECKLIST PRIOR TO PROCESSING ___ Complete a preliminary loan analysis (Exhibit D, optional) PROCESSING ___ Form 1980-21, Request for Single Family Housing Loan Guarantee (Rev 10/11) ___ Underwriting Approval Document (MUST be in file prior to submission) ___ FNMA 1008, Transmittal Summary-signed by underwriter ___ FNMA 1003, Uniform Residential Loan Application bearing borrower and lender interviewer signature (typed) ___ VOE(s) & most recent paystub(s) (See Iowa Single Family Housing Guaranteed Loan Program Handbook for additional guidance of acceptable documentation for verifying income ___ Other Relevant Income Documentation (Divorce Decree, Child Support Records, Social Security, Child Care Letter, etc.) if applicable ___ Residential Mortgage, Tri-Merge, or Non-Traditional Credit Report (see Iowa Single Family Housing Guaranteed Loan Program Handbook for further guidance on Non-Traditional Credit Reports ___ Other Relevant Credit Documentation ___ Appraisal - complete URAR with all addendums including photos and Form 1004 MC "Market Conditions Addendum to the Appraisal" (only if lender's fees are financed OR direct loan refi) 10/2011 EXHIBIT I OPTIONAL SINGLE FAMILY HOUSING GUARANTEED LOAN PROGRAM CLOSING SUBMISSION CHECKLIST BORROWER NAME ________________________________ _____ Form RD 1980-18, Conditional Commitment with signature (on reverse) _____ Items requested by Rural Development on Conditional Commitment _____1. _____2. _____ Form RD 1980-19, Guaranteed Closing Report _____ SFHGLP fee payable to USDA - Rural Development _____ Copy of executed note _____ Copy of final HUD-1 Settlement Statement 01/2011
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Whip Smart
A Memoir
By Melissa Febos
(Thomas Dunne Books, Hardcover, 9780312561024, 288pp.)
Publication Date: March 2, 2010
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"While a college student at The New School, Melissa Febos spent four years working as a dominatrix in a midtown dungeon. In poetic, nuanced prose she charts how unchecked risk-taking eventually gave way to a course of self-destruction. But as she recounts crossing over the very boundaries that she set for her own safety, she never plays the victim. In fact, the glory of this memoir is Melissa's ability to illuminate the strange and powerful truths that she learned as she found her way out of a hell of her own making. Rest assured; the reader will emerge from the journey more or less unscathed.
Melissa Febos is co-curator and host of the Mixer Reading and Music Series, she holds an MFA from Sarah Lawrence College, and teaches at SUNY Purchase College and The Gotham Writers' Workshop
Melissa Febos graduated from college with straight A's and a prestigious internship. She also led a secret life as a dominatrix. Her new memoir, Whip Smart, details her time working in a sex dungeon in midtown Manhattan. She describes what it was like to work for four years at the upscale S&M house. More at NPR.org
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