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Comparing USDA To Conventional Home Loans

St. Louis, Missouri (April 13th, 2018)- As many people know, one of the most common loans is the Conventional Fixed-Rate Home Loan, which is widely available to buyers. One loan type that most people are unfamiliar with is the Missouri USDA Rural Development Home Loan. This loan is designed for buyers in certain eligible rural areas.

 

To help better understand, let’s compare the two loan types. USDA loans can only be received if you are in a certain geographical area and for your primary home. A Conventional loan can be used for a secondary or investment home as well, and in any geographical location. Both of these loans have to check your eligibility based on credit history and finances.

 

Some more information regarding these loans would include that USDA loans do not require a down payment, which is a major benefit. For Conventional Loans, the down payment and fees can vary exceptionally. For conventional loans, insurance is typically required and can be up to 20% of your loan, while USDA insurance can be financed into the mortgage with low monthly payments. With the USDA loan, you can roll in your closing costs and are sure to get 100% financing.

 

The requirements for the USDA home loan may be difficult to meet but if you are considering purchasing a primary home in a rural area, it is definitely something to consider so you can receive the benefits. For more information and any questions, please contact Liberty Lending Consultants.

Liberty Lending Consultants, Inc.

1950 Craig Park Ct #100, St. Louis, MO 63146

Potential Damages Brought On From Spring Storms

St. Louis, Missouri (March 19, 2018)- While Spring brings beautiful, blossoming flowers, we can’t forget about the several downpours that also come along. Spring can be a time for many harsh thunderstorms and tornadoes, leaving damages to homes. Some risk factors of a windy storm could be branches falling from trees, shingles blowing from roofs, and leaks from pooling water. It is important to keep an eye out for damages to your home to prevent bigger problems from occurring in the future. One major problem area to your home that faces potential risks is the roof. With heavy rain and strong winds blowing through, there is no telling what could land up there or if there is excess water. Having an expert look at your roof after a rough storm is always a good idea if you think there may be damages.

With repairs often being costly, try to find a company that offers free estimates, such as Rely Roofing. These estimates make customers feel more comfortable with the entire process, knowing there are no initial fees. Customers can also take advantage of their 24-hour emergency services if an issue occurs. Having someone who can help at all times of the day can take away much of the stress that these storms can bring on.

Rely Flat Roofing has been in the St. Louis area for over 40 years, providing excellent service to both residential and commercial customers. They strive for customer satisfaction and getting work completed in a safe and prompt manner.

3748 McKelvey Rd.

St. Louis, Missouri

63044

Avoiding Strikes by Keeping Employees Happy

Erlanger, KY (March 7, 2018)- Everyone has heard about the West Virginia teacher strike, causing schools to be shut down for a total of 9 days. While yes, what was happening to these teachers was unfortunate, nobody wants their schools or businesses to be closed due to a strike. The goal most companies have is to keep their employees happy and satisfied so that they do not have any reason to go on such strikes. While strikes can definitely be needed in certain situations, they are typically avoidable.

 

One way to avoid strikes is to keep your employees happy. Employees are valuable assets to the company, therefore making sure they are dedicated to the organization can make a big difference. Another way to do this is by compensating your employees fairly. This is one of the reasons that the teachers went on strike because they are teaching in one of the lowest paid states. Don’t be that employer that doesn’t care about your employee’s needs, make sure they are compensated enough to live and be satisfied. Another way to avoid strikes is to create a positive work environment where everyone feels like they have a voice and are valued. Last, open communication can make the world of difference. If employees are scared to come to management about an issue, they make gather and talk on their own, which could lead to union organization. Knowing your employees can discuss problems and suggestions with each other, as well as with the management team will make the entire business run more smoothly.

 

If strikes are a potential issue for you, consider engaging in union avoidance training. These training sessions are designed to help companies see if they are vulnerable to union organization and if so, developing skills to avoid these actions from occurring. It is not too late to start training for a better work environment for the future.

 

Adams Nash Haskell & Sheridan

3861 Olympic Blvd,

Erlanger, KY 41018

Compassionate and Trustworthy Criminal Defense Attorneys

St. Louis, Missouri (March 2nd, 2018)- Criminal defense trials can involve a multitude of different cases. Some of these cases include drug-related crimes, DWI and DUIs, burglary and stealing, assault, murder, and any other violent crime. Being involved or accused in such a case can be a scary situation and may cause endless worrying. Having a criminal defense attorney that is compassionate and who you can trust is one of the best ways to get through these hard times. Trusting your attorney is vital to your case because if there is no trust, there is no point. Your attorney should be there through the entire process making you feel at ease. Being able to trust that your attorney has your best interests in mind is easier when they have a proven track record of winning for their clients.

The St. Louis criminal defense attorneys at the People’s Counsel are who to turn to when facing a criminal charge. Whether it be a misdemeanor or a felony charge, they can assist on the state or federal level. Charles Barberio and his partner, Thomas Schmitz have a known track record of receiving “Not Guilty” verdicts for their clients, no matter the charge. They are dedicated to serving justice all throughout the states of Missouri and Illinois.

They recently defended a second-degree murder and armed criminal action case that involved an alleged marijuana deal ending in the victim being shot twice. Barberio was able to convince the jury that his client’s actions were an act of self-defense, unlike what the police were saying. Their “Not Guilty” verdict was life-changing for their client, giving him the life he deserves. They put their clients first, offering free consultations to anyone being charged with a crime.

 

4542 W Pine Blvd Suite 200,

St. Louis, MO 63108