Community Development Financial Institutions

CDFI’s could be community development banks, community development credit unions, community development venture capital funds, micro-enterprise development loan funds, or community development corporations.

This post is aligned with a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

For more information on small business grant and home ownership programs visit TopGovernmentGrants.com.


SBA Resources for Women-Owned Businesses

The Small Business Administration has a variety of offerings to assist woman entrepreneurs start and grow and their business endeavors. This latest video provides an in introduction to how the SBA can help you.

This post is part of a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

For more information on small business grant and home ownership programs visit TopGovernmentGrants.com.


SBA 8(a) Business Development Program Webinar

This video explains how the SBA’s 8(a) Program works, its eligibility requirements, technical assistance available to small disadvantaged businesses through the program and common myths about the program.

This post is aligned with a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

Find additional information and resources on small business grants and loans, home buyer programs and impact investment programs from around the world.


Suggestions To Benefit Your Home Improvement Plans

As long as people have lived in homes, home improvement has always been a part of the experience. Everyone wants a nice house, and you have to keep up with it to make it that way. Keep reading to learn some modern home improvement tips.

Use fans in your home during the summer months in order to be more energy efficient. Ceiling fans will keep cool air circulating. Fans are a cheaper alternative to air conditioning units so this will save on your electric costs.

Use bleach in your toilet bowl to keep it clean. Sure, bleach has a strong odor, but it’s worth it to reduce disease causing germs and to have a shiny toilet. Scented bleach can also help keep the odor at bay.

Organize different items in your garage by putting them into clear plastic boxes. Label your plastic boxes, and make sure they’re stack-able. This is a cost effective way of cleaning out your garage, as well as keeping rodents and bugs away from your things.

You should not get rid of your old doors. Sand the door to show the bare wood to use as a foundation. You can apply a clean, attractive coat of oil-based paint in whatever shade you desire using an ordinary roller. For a quick update, consider getting new doorknobs.

Rotting decks, chipping paint and ceilings that have water damage are things that you can easily see when looking through the home you are considering buying. Professional inspectors can spot other issues, such as structural and electrical defects. An inspector will let you know if there are any hidden defects in the home.

Having some fun is the best part of home improvements. It is vital that you are seriously careful when you are working, but you should also be having fun. It is more likely that you will make mistakes if you don’t have fun with your project. If this is the case for you, you may want to hire a professional.

Get a contract with a handyman whenever you need to fix something in the house. A contract means extra charges will not arise, as well as you not having to worry about exploitation. Without that contract, you may lose lots of money.

Home improvement can be done by anyone who does their homework on the job. Just remember that thorough planning and rational thinking is required to avoid potential pitfalls. Without proper planning, a seemingly simple plan could end up being extremely expensive.


HUBZone Certification Program Webinar

This video explains the basics of the HUBZone certification program for small business federal contractors.

HUBZone certification allows certain small businesses to compete for set-aside contracts aimed at spurring investment in low median income or high unemployment areas.

This post is aligned with a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

Find additional information and resources on small business grants and loans, home buyer programs and impact investment programs from around the world.


Small Business Administration Loan Guarantees Program

The Small Business Administration has established the Loan Guarantees Program wherein they aim to be able to provide guaranteed loans to small business establishments which are not capable of acquiring financing from a private credit marketplace but greatly manifests the ability to repay funds in a timely manner.

This post is aligned with a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

For more information on small business grant and home ownership programs visit TopGovernmentGrants.com.


Home Mortgages And What You Should Learn About Them

Getting through the process of getting your home financed may take a lot of effort. There is tons of information you must understand before your financing is secured. Thankfully, this article has what you need in an easy to digest format, so read on.

Prepare for the home mortgage process well in advance. If you’re thinking about purchasing a home, then you have to get your finances in order quickly. Build some savings and pay off your debts. Delays can cause you to lose your chance at mortgage approval.

As you go through the mortgage application process, keep paying down debt, and don’t take any new bills on. If your other debts are low, you will get a bigger loan. When you have a lot of debt, there is a good chance your application for a mortgage loan will be denied. It might also make your rates so high you cannot afford it.

Make sure you have a steady work history before applying for a mortgage loan. Most lenders require at least two years of steady work history to approve a loan. Changing jobs can also disqualify you from a mortgage. You should never quit your job during the application process.

Have your financial information with you when you visit a lender for the first time. In the event that you arrive without sufficient documentation of your current earnings and other relevant information, you may quickly be dismissed, and asked to return when you do have everything in hand. The lender is likely to want to look over all of those materials, so keeping it at hand will save you unneeded trips to the bank.

If you are underwater on your home and have been unable to refinance, keep trying. A program known as HARP has been modified, allowing a greater number of homeowners to refinance. Discuss your refinancing options with your lender. If your lender does not want to work on this with you, look elsewhere.

Changes in your finances may cause an application to be denied. In order to obtain financing you must have a secure work history. The information found in your application is what will help you get approved for a home mortgage, so be sure not to take another job until after you have been approved.

Before you attempt to get a mortgage, it is wise to have a budget in mind. This way you aren’t stuck agreeing to something that you cannot handle in the future. You must have a set budget that you are sure that is affordable in the future, and not just focus on the home you want. You do not want to buy an expensive home that leaves you cash poor.

Determine your terms before you apply for your mortgage, not only to demonstrate to the lender you are responsible, but also to maintain a reasonable monthly budget. This means that you have to put a limit in place for your monthly payments, on the basis of your current budget, not just the house you desire. No matter how great a new home is, if it leaves you strapped, trouble is bound to ensue.

These tips should help you go in the best direction. Although it may seem daunting at first, never hesitate to look for more information if you need it to understand your mortgage better. Use what you just learned to supplement what you already know, and you’re going to find this process an easy one.


SBA – Small Business Investment Companies

The Small Business Administration has inititiated the Small Business Investment Companies program to help in developing privately owned and managed investment companies which will be licensed and regulated by the Small Business Administration to provide equity capital, long term loans, and advisory services to small business requiring such services.

This post is aligned with a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

Find additional information and resources on small business grants and loans, home buyer programs and impact investment programs from around the world.


Small Business Administration HUBZone Program

The Historically Underutilized Business Zones Empowerment Contracting Program provides federal contracting assistance to eligible small businesses located in underutilized business zones to improve their employment opportunities, investments, and their area’s economic development.

This post is part of a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

For more information on small business grant and home ownership programs visit TopGovernmentGrants.com.


Small Business Administration Loan Guarantees Program

The Small Business Administration has established the Loan Guarantees Program wherein they aim to be able to provide guaranteed loans to small business establishments which are not capable of acquiring financing from a private credit marketplace but greatly manifests the ability to repay funds in a timely manner.

This post is part of a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

For more information on small business grant and home ownership programs visit TopGovernmentGrants.com.