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What You Can Do For Your Country
Understanding how to work within our country's system
Completing Census forms
Filing annual tax returns
Settle all dispute public and private through our court system
Avoid safe haven for illegal aliens and known criminals
Register to vote and researching your candidate
The benefit of an education

Moms and Dads Before Adulthood
Emotional and financial consequences of unplanned pregnancies
Unable to finish your education
Seeking employment
Medical bills
Child Care

Diaries of Teenage Girls
Building self esteem
How to recognize healthy and unhealthy relationships
Early warning signs of withdrawal
Stay away from drugs and alcohol
Stay focus on your education and future
Avoid trouble makers


Foreclosure:  When a property owner cannot make the payment on his or her loan, the property is seized and sold by the bank.

Short Sale:  The lender is willing to accept a payoff that is less than the amount owed on the property.

Sheriff Sale:  When the homeowner has defaulted on the loan the sheriff will auction the property off on the court house steps.

Loan Modification:  The mortgage terms are changed through a modification of the loan and both the lender and the homeowner are bound by the new terms.

Appraisal: An estimation of the value of a property on a certain date given by a qualified person.

Good Faith Estimate:  is a estimate of fees that will be charged to the borrower for a mortgage loan.

Fico Score:  is a number representing the creditworthiness of a person or the likelihood that person will pay his or her debts.

HUD1 Statement:  is a itemization of charges imposed upon a borrower and seller for a real estate transaction.

Buyer's Agent: Represent the buyer's interest by monitoring the transaction from start to finish: meaning that the buyer's agent works solely in the best interest of the buyer.

Comparative Market Analysis (CMA): A method of assessing or establishing the fair market value of a property, using recently sold and are similiar in size, condition, location and amenities to the subject property.

Earnest Money Deposit (EMD): A deposit a buyer makes at the time of submitting an offer, to demonstrate the true intent to purchase.

Sales Contract: An agreement between buyer and seller on the price and other terms and conditions of the sale of property.

Title Insurance: A policy, usually issued by a title insurance company, which insures a homebuyer against errors in the title search.

Pre-Approval: A commitment from a lender to provide a mortgage loan on stated terms to a borrower before the borrower has found a property to buy.

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