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The current median price on an American home is a steep $188,900. While it can seem tricky to ever save up enough for a house, its not impossible. If youre a first-time home buyer looking to cut costs on your first house, heres a few tips on how to save money for a down payment and other costs.Lets Save on the Down PaymentPhoto Credit: Monkey BusinessLooking at the very beginning, when you buy a home you often pay the down payment in cash, borrowed from a bank typically as an investment. It shows that as a home owner you will pay your monthly mortgage bills, and that youre invested as a homeowner. This is typically about a 20% down payment. With the prices of ho
stanley website mes across America continuously rising, Colorado up 69% in the past ten years for example, 20% down payment can be a tremendous cost. However, you can certainly buy a home for less than 20% down. This is nonessential. Through an FHA loan, you can buy a home of your own with just 3.5%However, at least 20% is ideal, because otherwise you can get stuck paying primary mortgage insurance of the ent
stanley us ire mortgage amount every year. Additionally, the bigger the down payment, the smaller the monthly payment and smaller the interest over the timespan of the loan. So really, in order to save more on your first house, you should pay as much as you can. 10% is a good starting place if you real
stanley cup ly want to cut corners, then the remaining 10% will be paid from a second mortgage loan with a higher interest rate, allowing you to avoid pay Rkzs BRCC fast-track registration and info sessions
Apples once played a vital role in the economy of Augusta County and the Shenandoah Valley. Author Scott Jost will describe the history of the apple industry in the Valley through oral histories and 聽photographs in an October 2, program sponsored by the Augusta County Historical Society.Part of the Societys Stuart Talks series, the presentation will be 7 p.m. Thursday, October 2, in the R. R. Smith Center for History Art 2nd floor Lecture Room .聽 The event is free to ACHS members and $5 for non-members.聽 Student admission is $1.Jost researched and published Shenandoah Valley Apples, an in-depth look at the unique rel
canada stanley ationship between this area and its once domin
stanley trinkflaschen ant apple industry.聽 Through oral histories and old photographs, Jost has assembled a unique and personal pictur
stanley mexico e of the culture that grew around the apple industry, and the orchards 鈥?great and tiny 鈥?that once dotted Augusta County and the Valley.聽 He will speak of his findings, how apples shaped life in the Valley, and how he assembled his great collection or oral histories and images.Jost is associate professor of art and chair of the Art Department at Bridgewater College.聽 He has published or contributed to several books on Valley history, and his photography has been exhibited across Virginia and the Mid-Atlantic states.The ACHS was founded in 1964 to study, collect, preserve, publish, educate about, and promote the history of Augusta County and its communities. The society is marking its 50th聽year in 2014 wit
