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From YouTube: Columbus Connection Home Ownership 12 13 2018
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A
A
A
B
A
B
Over
the
years,
we've
helped
hundreds
of
families
and
they're
always
so
thankful
and
grateful,
because
many
of
them
are
first
generation
of
homeowners,
meaning
no
one
else
in
their
family.
They
didn't
know
how
to
take
the
first
step
of
what
to
do
when
the
business
biggest
obstacles
is
credit.
You
know
not
knowing
how
a
credit
score
works
and
how
to
Main
your
credit,
to
keep
your
credit
score
high.
So
we
give
them
that
information.
We
give
them
the
power
of
the
knowledge
to
become
a
homeowner.
What.
B
Of
all
fear,
as
we
discussed
I've
been
in
Whitney
works
for
15
years,
and
we
went
through
the
housing
crisis
in
the
crash
and
prior
to
that,
homeownership
was,
you
know
all
the
range
everybody
was
trying
to
buy
a
home
and
they
were
enthusiastic
about
it.
It
was
a
lot
of
programs
that
sits
down
payment,
but
after
the
market
crash,
and
so
many
people
lost
their
homes
and
mostly
minorities
lost
their
homes
through
foreclosure,
people
got
scared
and
they
pulled
away
from
purchasing
a
home.
B
So
fear
is
the
biggest
obstacle,
so
we're
here
to
say
that
don't
be
afraid,
there's
nothing
to
fear
but
fear
itself,
and
it's
a
systemic
way
that
you
can
prepare
yourself
for
homeownership
and
that's
what
we
do
at
NeighborWorks
columbus,
it's
a
comprehensive
program.
The
first
thing
we
do
is
pull
a
credit
report
that
a
lender
would
pull.
So
we
could
make
an
assessment
of
your
credit
gotchya.
A
In
a
lot
of
with
with
the
with
the
crash,
one
of
the
big
things
were
the
loans
that
were
taken
out
during
that
time,
they
were
just
giving
anybody
all
those
the
loans
that
our
loan.
So
when
people
come
to
you
all,
if
you
know
if
they
don't
know
the
first
thing
about
them
more,
but
you
gradually
point
them
in
the
right
direction
so
that
they're
not
going
to
fall
into
that
same
absolutely.
B
So
we
give
them
the
education
on
different
loan
products
and
basically,
how
you
set
yourself
up
for
financial
success,
so
you're,
not
a
victim
so
that
you're
not
even
applicable
for
those
kind
of
products,
they're
also
a
lender,
we're
a
licensed,
Georgia
and
Alabama
lender.
So
we
do
make
FHA
loan
VA
loans
and
downpayment
assistance
loans.
So
we
give
them
the
opportunity
to
understand
the
process
they
get
to
meet
a
loan
officer.
B
A
B
A
Talk
about
some
of
those
loans,
those
programs,
because
some
people
don't
know
that
there
is
down
payment
assistance.
There
are
so
many
different
things
that
can
help
someone
who
may
not
have
and
I
have
all
that
money
saved
up
to
put
on
a
big
downpayment
like
they
want.
What
are
some
of
the
things
that
it
will
about
the
average
so.
B
One
of
the
misnomers
is
that
you
need
20%
to
put
down
on
a
house
and
you
don't
so
we
underwrite
towards
FHA
guidelines
where
you
need
about
a
3.5%
down
payment.
If
you're,
a
veteran
or
active-duty
military
you
qualify
for
a
VA
loan,
which
is
a
hundred
percent,
then
you
also
have
other
programs
that
have
downpayment
assistance
tied
to
it.
If
you're
buying
in
Alabama
there's
some
Alabama
bond
money,
that's
available.
So
one
thing
about
networks
is
we
were
one-stop
shop?
B
We
have
done
the
research
for
you,
so
you
don't
have
to
go
out
and
look
for
the
programs.
We
qualify
your
family
for
everything
that
we
know
in
the
market.
Okay,
you're
available
that
you
qualify
for
so
there
there
are
downpayment
assistance
programs
here
in
Columbus
Georgia.
The
city
has
one
mm-hmm.
B
A
B
C
Absorbance
of
the
Christmas
holidays,
there
will
be
a
change
in
your
waste
and
recycle
collection.
Pickup
day
there
will
be
no
collections
on
Monday,
December,
24th
or
Tuesday
December
25th
Monday's
route
will
be
collected
on
Wednesday
Tuesday's
route
will
be
collected
on
Thursday
Thursday
is
probably
collected
on
Friday
and
Fridays,
where
I
will
be
collected
on
Saturday.
This
route
change
will
be
only
for
the
week
of
December
24th.
We
apologize
for
any
inconvenience
and
we
extend
you.
The
warmest
holiday
season.
D
This
ever
happened
to
you
and
you
didn't
know
who
to
call
it's
simple
doubt:
3
1,
1
or
7
0
6,
6,
5,
3,
4,000,
Columbus,
3,
1,
1
citizens
service
center.
Our
goal
is
to
provide
complete,
accurate
and
timely
information
to
citizens
and
employees
regarding
complaints,
inquiries
and
requests
for
information,
columbus,
3-1-1
citizens
service
center.
Your
direct
link
to
city
service
welcome.
A
Back
to
columbus
connections,
we
are
talking
home
ownership.
Buying
a
property
is
the
end
of
the
year.
Why
not
start
off
that
first
year
right,
finding
you
a
place
to
live
now.
One
thing
that
people
have
a
lot
of
reputation
about
when
buying
a
home
is
credit,
is
my
credit,
may
not
be
up
in
the
eights
and
the
7.
So
what
do
I
need
to
do
so?
I
have
with
me
a
realtor
who
is
who,
if
you're
gonna,
buy
a
home,
find
yourself
a
great
realtor
that
makes
all
the
difference.
I
have
with
me
mr.
A
A
E
The
first
thing
is,
you
have
to
know
where
your
credit
is,
so
that's
the
first
that
knowledge
is
power
yeah,
and
so
the
first
thing
you
would
need
to
do
is
go
to
a
lender
and
have
them
pull
your
credit,
so
they
can
show
you
where
you
are
and
then
tell
you
how
to
get
to
where
you
need
to
get
to.
But
what
most
lenders
look
for
is
about
a
640.
That's
the
bottom
line.
Number
people
could
work
with
lower
numbers,
but
that's
when
you
get
the
interest
rates
high
and
things
of
that
nature.
E
A
E
E
E
E
Our
job
and
everybody's
job
is
to
work
for
you
and
to
make
sure
we
get
you
what
you
desire,
what
you
want
and,
like
we
said
the
first
time
you
when
you
meet
with
that
lender,
they
would
let
you
know
where
you
qualify
and
what
you
qualify
for
lots
of
people.
They
try
to
go
out
and
start
looking
at
homes,
and
they
don't
know
what
they're
qualified
for
so
as
a
real
term.
We
step
in
just
to
let
you
know
the
steps
about
going
about
it.
E
We
will
sit
down
with
you,
we'll
ask
what
you're
looking
for
everything
that
you
want
in
a
house
and
everything
that
you
don't
want
it
house
and
we'll
go
through
the
MLS
list
and
we'll
get
everything
that
fits
your
needs
and
then
we
would
bring
them
to
you
and
then
we
will
sit
down
and
choose
which
ones.
You
would
like
to
take
a
look
at
gotcha.
A
E
E
E
Yes,
the
counter,
so
once
they
do
that,
that's
what
starts
going
to
go
to
negotiations
once
we
all
come
to
an
agreement.
That's
when
it's
under
contract
now,
once
you
get
it
under
contract,
you
have
between
10
to
14
days
where
you
have
a
due
diligence
period
and
that's
when
we
will
get
you
set
up
with
inspectors.
You
get
the
house
inspected,
you'll
get
termite
inspection
done.
E
You
will
make
sure
that
you
get
everything
completed
within
that
amount
of
time
before
you
continue
on
with
the
process
now,
and
that's
once
once
you
do
that
if
something
comes
back,
let's
say
inspector
come
back
and
say
this
needs
to
be
done
or
that
needs
to
be
done,
you're
able
to
you're
able
to
renegotiate
with
the
sellers.
So,
therefore,
if
something
comes
I
say
this
needs
to
be
fixed.
Now
you
go
back
to
the
seller
and
say
this
needs
to
be
fixed.
E
A
A
You
see
the
house,
you
want
you
put
in
the
offer
on
the
contract,
you
ski
that
goes
to
the
seller.
They
look
at
it
and
say:
okay,
we'll
take
it,
we
won't
take
it
or
we
want
to
change
stuff.
You
do
a
little
bit
of
negotiating
to
you,
decide
what
you
want.
Yes,
during
that
time,
you
have
all
of
the
the
you
want
to
do
the
appraisal
to
make
sure
the
property
is
worth
what
it's
worth.
A
E
A
So,
once
everything,
if
you
once
you're
satisfied
with
what
you're
moving
into
you
got
the
appraisal
as
what
it's
worth
the
inspection,
everything
is
good,
now
you're
ready
to
do
the
what
we
call
the
closing
the
closing
yes
and
we've
here.
We
hear
that
word
a
lot
for
anyone,
who's
never
bought
up
property.
What
is
the
closing
all.
E
Right,
the
closing
is
real,
quick.
Let
me
just
touch
on
all
these
people
are
working
for
you,
the
lenders
and
everybody.
So
the
appraisals
there's
the
system
is
set
up
to
where
you're
not
buying
defective
products.
Okay,
their
prey,
the
importance
of
the
appraisals
to
make
sure
you're,
not
overspending
for
a
house
and
that's
a
big
thing.
E
That's
not
worth
it
right,
so
it
has
to
meet
the
minimum,
or
at
least
whatever
you
put
the
offer
on
or
the
contract,
so
that
so
the
system
is
just
set
up
to
wait
to
make
sure
that
they're,
protecting
the
consumers,
yeah
Jeff
and
now
when
once
all
that
is
completed
now
we're
standing
down
and
we're
closing
closing
part
is
basically
signing
over
the
deeds
and
you
get
in
your
property
and
that
we
have
your
lawyers.
That's
when
the
lawyers
are
involved.
E
A
A
E
Closing
cost
can
sometimes
between
both
sellers
and
buyers.
Sometimes
the
sellers
pay
it.
It's
everything
is
negotiable
on
the
table,
so
you
got
a
that's.
Why
it's
good
to
have
a
good
agent
so
to
negotiate
the
prices
and
ghost
get
negotiate?
Who
pays
the
closing
costs
and
things
of
that
nature
and
then
there's
certain
guidelines
on
each
loans?
Also
VA
FHA
conventional
there's
certain
amount
that
they
can
pay
or
the
seller
can
pay
towards
closing
costs,
and
then
you
do
have
them
assistance
of
payment
or
it's.
A
E
E
E
Definitely,
and
is
there's
no
better
feeling
than
to
have
your
own
own
home.
You
have
put
in
your
money
instead
of
going
to
rent.
Now
it's
going
towards
something
that
you're
going
to
own,
but
just
like
you
said
there
are
plenty
of
incentives.
You
get
tax
breaks
when
it
comes
to
home
ownership,
sand
things
of
that
nature.
There's
lots
of
incentives
if.
A
E
A
On
the
other
side
of
the
cafe,
pretty
straight
the
TV
we're
done
there,
you
have
it
folks,
like
I
said
this
is
the
new
year.
We
hope
to
see
you
guys
have
a
happy
new
year
and
hopefully
you'll
spend
the
part
of
that
year
and
your
brand-new
home.
You
have
any
questions,
contact,
NeighborWorks
or
contact
a
real
estate,
professional
Happy,
Holidays
business,
Columbus
connections,.