How To Improve At Design In Minutes: January 2021

Monday, January 18, 2021

Williamsburg VA Real Estate Williamsburg VA Homes For Sale

Table of Content

Williamsburg, VA Real Estate & Homes for Sale
Living in Williamsburg
Popular Markets in Virginia
More to explore in Williamsburg
What is transportation like in Williamsburg?

Lot backs up to Colonial Williamsburg property. The lot already has a 2 car garage with walk up storage “loft” area. Great 4 bedroom townhouse within City of Williamsburg. Great opportunity for an investment property with tenant in place or for your primary residence. This lot will accommodate a walk-out basement if so desired! The natural preserve is located in the rear of the lot to allow for well deserved privacy.

Gorgeous Transitional in Piney Creek Estates - the City of Williamsburg has 5 bedrooms and 3.5 baths! The spacious Great Room has a cozy gas fireplace, vaulted ceiling and luxury vinyl plank flooring. Formal Dining Room with hardwood floors, tray ceiling crown and chair rail. Convenient home office with hardwoods, vaulted ceiling chair rail and French doors. Spacious eat-in Kitchen has a LVP floors, bay window, gas cooking and island.

Williamsburg, VA Real Estate & Homes for Sale

You will feel like you are living in Ford's Colony, but the price and no Ford's Colony fees/rules you don't have to pay or live by! Turn key 2 story, 4 bedrooms, 2.5 baths, updated home located at the end of street and Ford Colony property is behind you to the right. Our top-rated real estate agents in Williamsburg are local experts and are ready to answer your questions about properties, neighborhoods, schools, and the newest listings for sale in Williamsburg. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange Program of the WMLS.

All listing data is refreshed regularly, but its accuracy is subject to market changes. All copyrights and intellectual property rights are the exclusive property of the Multiple Listing Service of The Roanoke Valley. Whether obtained from a search result or otherwise, visitors to this web site may only use this listing data for their personal, non-commercial benefit. The unauthorized retrieval or use of this listing data is prohibited.All area school information is deemed reliable but is not guaranteed. Extremely rare opportunity to build on a lot a short walk to all Colonial Williamsburg has to offer.

Living in Williamsburg

All users of REIN's listings database should confirm the accuracy of the listing information directly with the listing agent. A grocery store is ordinarily reachable within a reasonably short walk from most houses for sale in this city. There are also over 150 restaurants and coffee shops in Williamsburg.

The spacious first-floor primary bedroom has a large walk-in closet. The first floor also includes a âflexâ room currently used as a bedroom that could be a home office. Upstairs a generous loft provides additional flexible living space. Bedroom Three features golf views, while outdoor living space includes a charming wrap-around patio with a pergola - perfect for morning coffee or evening cocktails. Four bedroom two story home with a great floor plan and convenient location close to schools, shopping restaurants, and Kidsburg. On the main level there is a large family room with gas fireplace, a huge kitchen and dining area which access the rear deck and yard, laundry room, and powder room.

Popular Markets in Virginia

Neighborhood amenities include a pool, playgrounds, private beach, security, clubhouse, golf, RV storage, tennis courts and more. Neighborhood amenities include a pool, playgrounds, private beach, security, clubhouse, golf, RV storage, tennis courts and more SELLER TO PROVIDE A 1-YR HOME WARRANTY. Golf-front views of the 8th fairway and fabulous privacy are found in this âHickory 2â model home located in Colonial Heritage - a premier gated, golf and 55-plus community. You will love the flexibility of this open floor plan featuring a dramatic reverse staircase in the foyer and cathedral ceiling with a Juliet balcony in the great room. Offering hardwood floors and a corner gas fireplace, the great room opens to a light-filled sunroom. The kitchen features quartz countertops, a gorgeous tiled backsplash, Plantation shutters, NEW refrigerator, NEW dishwasher and a gas range.

Or just sit at home and relax on your deck, enjoying the birds chirping in the woods behind your home. The data relating to real estate on this website comes in part from the Broker Reciprocity/IDX Program of the New River Valley Multiple Listing Service, Inc. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange Program of the Albemarle Area Association of Realtors, Multiple Listing Service.

Very well maintained first floor living with 2 bedroom, 2 full ensuite baths, kitchen, and large family entertaining area. Kitchen finished with stainless steel appliances and granite counters. This Resort Condo on the 9th Fairway of the River Course comes fully furnished and is already enrolled in the Kingsmill resort rental program. Two porches, one off the living room and one off the second bedroom, where you can relax and take in the gorgeous golf course views!

Convenient access to the walking trails and all of the amenities Ford's Colony has to offer including 3 golf courses, 2 community pools, tennis courts, and so much more. Homes for sale in Williamsburg, VA have a median listing home price of $425,000. There are 439 active homes for sale in Williamsburg, VA, which spend an average of 52 days on the market.

Enjoy the recently updated GE appliances installed in 2021 and the Whirlpool washer and dryer installed in 2022. Home also offers whole house water purifier and surge protector. This offers plenty of storage including a room in the basement for storage. The rest of the basement can be used as a family sitting room, or even for hobbies. It also is in an HOA that offers lots of amenities like Indoor pool, outdoor pool, clubhouse, tennis/pick ball courts, and clubs. You will be able to find fun activities to do around the area as well, including Busch Gardens, Water Country and Colonial Williamsburg, which are less then 30 min away.

The Kent offers an attached garage and rear covered porch. The foyer opens into leads into the beautiful kitchen with granite counters, gas cooking and large center island! The island overlooks the dining area and family room. The primary suite boasts a WIC and private bath with double vanity and ceramic tile shower. A 2nd bedroom has a WIC and access to the hall bathroom.

Some of the hottest neighborhoods near Williamsburg, VA are Jamestown Road, Lees Mill, Stoney Brook, The Forest, Snidow. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange Program of the Williamsburg Multiple Listing Service, Inc. Information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. One of the last buildable "in-town" lots in the City of Williamsburg and located a tenth of a mile down Burns Lane across from the College of William and Mary at the corner of Powell and Burns.

This city offers mainly four or more bedroom and three bedroom homes. About 70% of the population of this city own their home and renters make up the remainder. Traveling by car is very easy in Williamsburg. The majority of properties for sale are a reasonably short car ride from the nearest highway, and it is very convenient to come across a place to park. In contrast, the public transit network in Williamsburg is quite poor.

Williamsburg, VA Real Estate Williamsburg Homes for Sale

Table of Content

Williamsburg Homes for Sale
What is the median home price in Williamsburg?
Williamsburg VA Real Estate & Homes For Sale
What are the schools and amenities like in Williamsburg?

Updated kitchen with stainless steel appliances granite counter tops and newer cabinets updated windows and family room with fireplace Nice deck with lots of privacy a great value in williamsburg. This lovely 3 bedroom, 3 bathroom townhome has been freshly painted, brand new carpet, and new vinyl floors in the kitchen and bathrooms. Beautiful hardwood floors throughout the downstairs living area. First floor has primary bedroom with ensuite bathroom. Deck can be accessed from the living room or Primary bedroom. This house located in the quiet neighborhood of The Settlement at Powhatan Creek, a great 55+ community, is beautiful.

Williamsburg Homes for Sale

Homes for sale in Williamsburg have a median listing price of $383K. School service boundaries are intended to be used as reference only. To verify enrollment eligibility for a property, contact the school directly. Excellent Wooded building lot in always popular Windsor Forest, perfect for your new home.

What is the median home price in Williamsburg?

Williamsburg VA Real Estate & Homes For Sale

The laundry room is located near the bedrooms and has an exterior door to the attached garage. Quarterpath residents enjoy low-maintenance living in a prime location, near the area's best shopping, dining & recreation! (HOME IS UNDER CONSTRUCTION - Photos & visual tours are from the builder's library & shown as an example only. Options will vary). Beautiful all brick 5 bedroom 3.5 bathroom home located in highly sought after gated neighborhood of KINGSMILL. Come inside to the gorgeous 2-story foyer showing off the staircase, and leading into the dining room. Continue on to see the open space between the kitchen and family room which is the perfect area for entertaining.

Nonetheless, homeowners benefit from a few bus lines, and it is easy to reach a nearby bus stop from most homes. It is inconvenient for pedestrians to get around in Williamsburg because most daily needs are at times difficult to carry out by walking. REIN's listings Data and information is protected under federal copyright laws. COPYRIGHT VIOLATORS MAY BE SUBJECT TO SEVERE FINES AND PENALTIES UNDER FEDERAL LAW. This is a rare opportunity to build near The College of William & Mary and Colonial Williamsburg.

Double vanities, soaking tub and California closet add to the luxury of the master suite. 2 perfectly sized bedrooms and loft are on the 2nd floor. It features so much space, Berber carpet and walks out onto the ground level brick patio. Wonderful nature views from all the rear home windows.

On the second floor you will find the spacious primary suite with double closets, and full bath with double vanity. There are also two additional bedrooms and a huge bonus room or fourth bedroom. There is also an attached garage and covered front porch. This property has lots of potential and could be a wonderful home with a little love and care.

Williamsburg Homes for Sale: Williamsburg, VA Real Estate

Table of Content

Living in Williamsburg
Northridge Street UNIT 8A
Williamsburg, VA Real Estate & Homes for Sale
What is transportation like in Williamsburg?
Williamsburg real estate trends
Schools in Williamsburg

This Condo Unit comes with direct access to the outdoor inground pool. Fabulous location and view with close proximity to all of the wonderful Kingsmill amenities. Sellers recently installed new hvac unit and new tvs.

Living in Williamsburg

Northridge Street UNIT 8A

Williamsburg, VA Real Estate & Homes for Sale

1st floor Primary bedroom with LVP floors, large walk-in closet and En-suite bath. This Lily home is situated on a beautiful cul-de-sac. The foyer leads into a great room that flows into a large open kitchen and dining space. A large granite island provides more work space and seating! Upstairs the open feeling continues with 4 large bedrooms with plenty of closet space and a separate linen closet.

If you're looking to sell your home in the Williamsburg area, our listing agents can help you get the best price. Our Williamsburg real estate stats and trends will give you more information about home buying and selling trends in Williamsburg. In addition to houses in Williamsburg, there were also 33 condos, 8 townhouses, and 1 multi-family unit for sale in Williamsburg last month.

Sunday, January 17, 2021

The University of Oklahoma

Table of Content

About the University
OSU Extension
Student Profile
Give to OSU
Campus
OSUIT

In 1894, 2½ years after classes began in local churches, 144 students moved into the first academic building — later named Old Central and still located on the southeast corner of campus, housing the Honors College today. In 1896, Oklahoma A&M held its first commencement with six male graduates. OSUIT is a leader in workforce and economic development for the state of Oklahoma. By providing customized industry training, certificate programs, adult and continuing education, and employability skills, we are creating career pathways that will bridge our nation’s skills gap. OSU has a global reputation for excellence, and we welcome students from all around the world.

Courses designated "S" propose theoretical constructs based on empirical observation to explain human behavior and society in social and/or physical environments. Students will evaluate evidence, interpretations, results, and solutions related to the physical and biological sciences. The minimum required number of pages may be encompassed in one or multiple assignments. Informal writing assignments and group projects will not count toward writing minimum.

About the University

Historic Gallagher-Iba continues to exist as the arena within the Athletic Center. As a land-grant university, Oklahoma State is a leader in research of all kinds with the facilities to make that possible. Edmon Low Library, one of the largest in the Southwest, and Old Central, the university’s first permanent structure on campus.

By choosing OSU, you have made the right decision in selecting one of the nation’s top-tier research institutions and a leader in higher education. We are proud of our mission as a modern land-grant university and are committed to access, teaching, research and outreach. OSU provides a creative, innovative and collaborative learning environment, preparing our students to use their knowledge and hands-on experience to make a life for themselves and a difference in the world.

OSU Extension

Located north of the Colvin Center on Hall of Fame Avenue, the facility was enhanced a year later with the nearby North Dining Facility, which features seven distinctive dining choices that offer a focus on healthy, fresh options. In 2001, the university constructed the new Athletic Center on the site of Gallagher-Iba. The top of the original building was removed, and the Athletic Center was built completely over and around Gallagher-Iba, expanding its seating to approximately 13,600.

Courses designated “L” emphasize evaluating scientific hypotheses through the scientific inquiry process and must include the equivalent of at least one semester credit hour of physical or biological laboratory experience. Writing assignments must be tied to the purpose/requirements of the “I” designation. Courses designated "H" concentrate on the expression, analysis, and interpretation of ideas and the aesthetics or values that have formed and informed individuals and societies. Writing assignments must be tied to the purpose/requirements of the “D” designation. Students will reflect on identity through the examination of one or more underrepresented groups (e.g. racial, ethnic, religious, social class, gender, age, disability, sexual orientation) in present day United States. TheUnmanned Systems Research Institute(ceat.okstate.edu/mae/research/usri) brings together researchers from all over the university and the state to advance unmanned aerial systems and related technologies and applications.

Student Profile

Music laboratories, classrooms and teaching studios will be equipped with the latest technology for high-level studio production. AACSB International accreditation represents the highest standard of achievement for business schools worldwide. Institutions that earn accreditation confirm their commitment to quality and continuous improvement through a rigorous and comprehensive peer review process.

If you will start as a freshman or want to transfer, all the information international students need can be found here. One of the most tradition-rich programs in college baseball has a new state-of-the-art home. The $72 million building is unique in design and shape, a “crescent masterpiece” that brings all of Spears Business together for now and in the future. Spears Business is designed to promote collaboration and hands-on, experiential learning to best prepare graduates for success in the modern workplace.

The FAPC seeks to develop successful value-added enterprises in Oklahoma. The university has an enrollment of more than 33,000 students on five campuses. It offers bachelor's, master's and doctoral degrees in many fields, as well as Doctor of Osteopathic Medicine and Doctor of Veterinary Medicine degrees. Specialist in Education degrees are also offered in selected fields.

We’ve put together some resources to help you and your child navigate the college selection process. Sign up for a tour or join us for one of our many admissions events hosted throughout the year, or experience our virtual campus tour. Research at OSU, a Carnegie R1 research university, is relevant, accessible and beneficial — whether it’s exploring basic scientific questions or applied concepts that directly impact lives. OSU is listed in Carnegie Classifications of Institutions’ top tier for research universities. As a land-grant institution, we believe access to education is an essential part of our mission.

Campus

The $70 million building, the largest project in the state’s Capitol Bond Program, provides state-of-the-art laboratory space for a wide range of disciplines and encourages collaborative research. In spring 2015, OSU opened the Bert Cooper Engineering Laboratory for structures and materials engineering with new geothermal systems for energy efficiency. The 72,000-square-foot lab in the College of Engineering, Architecture and Technology is the only one of its kind in the U.S. and is dedicated to immersive undergraduate learning experiences. It’s the glass-and-steel embodiment of a new era in undergraduate engineering learning, where walls no longer exist between disciplines, and individual expertise is melded into interdisciplinary teams. Donors paid for more than half of the $35 million cost to build it, and students changed their fees to ensure it would be staffed, accessible and open for their innovations. Thanks to a $63 million facelift, the Student Union offers greatly enhanced facilities and services to students.

O’Brate Stadiumfeatures an expansive clubhouse and operations center, including a "training triangle" with an indoor facility, pitching lab and practice infield. The ballpark includes 3,500 permanent seats that can be expanded to 8,000 as needed. The new Transportation Operation Facility will be a $16 million replacement facility for the existing facility at the northeast corner of Farm Road and Western. The new facility, which will be funded by grants, will be located on Lakeview Road next to the Clean Energy Fuel station.

Research adds richness, depth and broader impact to the other mission components of teaching and outreach. Research and creative innovations within the arts and humanities enhance how human beings view and understand the world we live in. The academic institute, which will be constructed on the Stillwater campus, will develop preventative therapeutic strategies to combat obesity and chronic diseases. Lance Walker, the inaugural Rick and Gail Muncrief Executive Director, will lead the institute. Walker is a licensed physical therapist and an internationally recognized expert in fusing sports performance, sports science and sports medicine for athletes of all ages, ability levels and disciplines.

Leadership & Campus Life is prominently located on the second floor, and dining options have been enhanced and expanded. The Student Services Center in the Union houses the Bursar, Registrar, Scholarship and Financial Aid, University College Advising, Undergraduate Admissions and New Student Orientation and Enrollment in one convenient location. In 2016, the Student Union’s Atherton Hotel received a major renovation that enlarged its rooms and upgraded its accommodations. Students will demonstrate their understanding through written work that provides them the opportunity to enhance their writing skills; upper division “S” courses will include extensive written work. In courses worth three or more credit hours, at least one-half of the course materials must relate to international cultural perspectives on the present times.

Undergraduate Admissions Oklahoma State University

Table of Content

Oklahoma's Only University of Applied Technology
Discover Our Programs
Youth, Family, 4-H, Health & Home
Give to OSU
Explore All Programs
Online Degrees & Certificates

The facility will make it possible to service all OSU vehicles with 12 large service bays, bus and vehicle automatic wash bays, space for fleet vehicle rentals, a fueling station and offices. The project was bid in the fall of 2021 and is expected to be completed in the fall of 2022. Students will understand the role of empirical observation using quantitative or qualitative methods in the social and behavioral sciences.

Faculty from mechanical engineering, electrical engineering and materials science and engineering work collaboratively there on research and graduate education. Oklahoma State University Institute of Technology is a recognized leader in applied technology education and is known for world-class teaching facilities, partnerships with industry, and a nearly 90 percent career placement rate. OSU Online provides flexible and convenient online college credit courses for today’s busy student. Start or finish an undergraduate degree, graduate degree, or earn a professional certificate.

Oklahoma's Only University of Applied Technology

Discover Our Programs

Students choose the twelve-month class but can complete it in less time. Yearlong courses have open start dates so students may begin a course anytime they wish. OSU students can also enroll in individual study semester length classes. Courses are delivered through the OSU learning management system, Canvas; however, students who do not have Internet access can participate in courses using print-based materials.

Youth, Family, 4-H, Health & Home

In addition, the School of Accounting is supplementally accredited by the AACSB. There are only 189 schools world-wide that have attained this status for both business and accounting programs. EXCELSIOR, an unmanned systems innovation laboratory, was celebrated on Nov. 2, 2019. The new lab houses multidisciplinary research and education programs for the Unmanned Systems Research Institute in the College of Engineering, Architecture and Technology. The facility offers a recognized emphasis in instruction and research in unmanned aircraft systems and supplies hands-on analysis, design, construction and flight testing of UAS platforms. Students focus on projects that include flight testing and operations.

Keep up with all of the new and exciting things happening on and around campus in the latest Panhandle Magazine. After high school, Audrey pursued a career as a professional dancer and performer... Located in America’s heartland, OSUIT partners with global corporations to develop academic coursework and practical training environments using industry-caliber equipment to create a seamless classroom to career transition. We offer a wide array of unique programs from Aviation to Occupational Safety.

Give to OSU

Upper-division courses must include at least ten pages of out-of-class written assignments or essays. Instructors must provide feedback that students can incorporate in subsequent writing assignments . At least one writing assignment must be at least four pages in length. TheHelmerich Advanced Technology Research Center(tulsa.okstate.edu/helmerich) is a state-of-the-art research, development, testing and education center located on the OSU-Tulsa campus.

Explore All Programs

The new and enhanced teaching facilities support modern teaching methods and cutting-edge technology critical to the successful recruitment and training of students, faculty and staff. Is a premier music education facility that harnesses the synergy of research, talent and incomparable hands-on learning experiences available only at Oklahoma State University. The building opened in spring 2021, thanks to lead donors Michael and Anne Greenwood. The Greenwood School of Music’s proximity to The McKnight Center for the Performing Arts will amplify and leverage opportunities, including master classes for students and faculty to interact with world-class musicians.

Research opportunities include UAS design, aerodynamics, flight path management and airspace integration, sense and avoid, controls, structures, aeroacoustics, propulsion, communications and operations, and sensors and payloads. Ray and Linda Booker OSU Flight Center is a $6 million replacement facility that will serve as a premiere resource for students pursuing degrees in aviation education. The 11,600-square-foot facility opened in spring 2022 and includes private rooms for individual flight debriefings between students and flight instructors. Additional advances to the student learning experience include space for state-of-the-art simulator technology, dispatch space and student common areas.

EVENTS

The Division of the Vice President for Research is also home to several core research facilities. Its main objective is to facilitate research and aid in educational advancement by integrating state-of-the-art high performance computing technology for multidisciplinary units across the OSU campus and throughout Oklahoma. TheOklahoma State University Microscopy Laboratory (research.okstate.edu/microscopy) is a multi-user instrumentation facility for materials research spanning from nanotechnology to biology and medicine. Analytical capabilities include microscopy via electron beams, force probes and visible light, as well as nanomechanical and nanotribological probes. OSU'sAnimal Resources(research.okstate.edu/animalresources) handles the centralized housing and husbandry of animals utilized in research, and overseas the veterinary care of all OSU animals used for teaching testing and research.

Lovingly restored, Old Central continues to hold court on the southeast side of campus as it houses the Honors College. Students will use the methodologies and models of science to define, evaluate, and solve problems in biological and physical sciences. Courses designated “N” feature the systematic study of physical or biological processes and the mechanisms and consequences of human intervention in those processes.

At OSU, we also have an eye on comfortable and convenient living, ranging from residence halls and transportation to incorporating art into the campus. The university has been on the forefront of replacing outdated residential halls with apartments and suite-style accommodations for nearly two decades. Multiple upgrades have opened, giving on-campus students new opportunities for better living and community within the halls. Thanks to a gift from the Donald W. Reynolds Foundation, OSU doubled the size of its School of Architecture building.

Oklahoma Panhandle State University Home

Table of Content

Oklahoma State University Athletics
Student Success Resources
Education Everywhere for Everyone
IT Services and Information
The University of Oklahoma
Message from the President
Accreditation
Campus

Oklahoma State University Athletics

Students will demonstrate their understanding through written work that provides them the opportunity to enhance their writing skills; upper division “D” courses will include extensive written work. Programs at OSU-Tulsa are fully accredited by the Higher Learning Commission, carrying the same accreditation as programs on the Stillwater campus. TheRobert M. Kerr Food & Agricultural Products Center(food.okstate.edu) provides large and small businesses, producers and entrepreneurs access to faculty and staff with expertise in business and technical disciplines.

With expertise in a variety of disciplines, more than 80 faculty members across campus are involved in the Center’s activities. OSU has multiple research centers and facilities across the Stillwater campus and throughout the state. TheOffice of University Research Compliance(research.okstate.edu/research-compliance) ensures OSU follows federal, state and University regulations that set forth requirements for certain kinds of research. Working through faculty committees, it oversees research involving human subjects, animal models, radiological materials, certain hazardous agents and recombinant DNA.

Student Success Resources

Education Everywhere for Everyone

The university also completed several athletic projects north of Boone Pickens Stadium. OSU opened the Sherman E. Smith Training Center for indoor training and a new outdoor track in 2013. The Greenwood Tennis Center features six indoor and 12 outdoor courts and is one of the leading collegiate tennis facilities in the country.

It also will house cutting-edge irrigation systems, intense climate and humidity control and other technology standard in today’s horticulture industry. Its designated classroom facilities have elevated the educational experience for students. The addition includes three flexible classrooms and makes room for specialized training in existing instructional space.

You'll get real experience to start your career off on the right track. And a big dose of Cowboy spirit in a community you'll be proud to call home. Facilities Management has completed a new power distribution center, otherwise known as the PDC. The PDC acts as an indoor switching station between two OG&E substations, that allows power to be distributed throughout campus. These infrastructure projects provide more capacity, offer better resiliency, and renew the life of the electrical system serving campus for decades to come.

Oklahoma State University is committed to providing regionally and nationally competitive athletics programs as an integral part of the overall educational mission of the University. Sponsored programs comply with the highest recognized standards of the institution and the athletic governing bodies. Intercollegiate athletics operate in harmony with the University's stated mission and are committed to the intellectual, cultural, physical and social development of the student-athletes as individuals. Opportunities for student-athletes are provided without discrimination. AAALAC International is a private, nonprofit organization that promotes the humane treatment of animals in science through voluntary accreditation and assessment programs. AAALAC International accreditation shows that an institution is serious about setting, achieving and maintaining high standards for animal care and use and is committed to animal welfare in science.

Message from the President

Allan Houser; yearlong exhibitions by Bill Barrett; the commemoration of Nancy Randolph Davis, the first African-American to attend the university when it was Oklahoma A&M College; and many more. The sculptures co-exist with the brick-and-mortar architectural landscape and integrate art into everyday life. OSU opened its Postal Plaza Gallery in 2014 as the home of the OSU Museum of Art, showcasing the university’s extensive art collection and strengthening its connection to downtown Stillwater. University Commons, a traditional-style residence hall, opened for the fall 2015 semester.

Saturday, January 16, 2021

First-Time Home Buyer Tax Credit

Table of Content

FHA Energy Efficient Mortgage
Which Type of Mortgage Is Right for You? FHA, USDA, and Other Loan Options
CHILLY TIMES
How do I compare mortgage lenders?
What is the best mortgage for first-time home buyers?

Although, many will extend your preapproval, provided your finances haven’t changed. Some people get prequalified when casually looking at homes, or when they want a general idea of their future budget. Keep in mind that a prequalification isn’t always necessary.

how to get a home loan for the first time

But you’ve got a few more steps to take before the process is complete. We’ll find you a highly rated lender in just a few minutes. Victoria Araj is a Section Editor for Rocket Mortgage and held roles in mortgage banking, public relations and more in her 15+ years with the company. You can’t get first-time homeowner benefits if you own a rental or investment property, even if you don’t live in it.

FHA Energy Efficient Mortgage

Terms are either 15 or 30 years, and the maximum loan amount varies by geographic area (ranging from $420,680 to $970,800). The home must be a primary residence, be appraised by an FHA-approved appraiser, and pass an inspection. The Federal Housing Administration , the Department of Veterans Affairs and the United States Department of Agriculture , each have their own mortgage loan programs.

Because of this guarantee, credit requirements are generally looser than other types of mortgages, and down payments can be as low as 3.5%, even with a relatively low credit score. While there are a few drawbacks to FHA loans, especially when it comes to costs, they can be a great way for buyers who don't have stellar qualifications to become homeowners. It’s important to consider the benefits of different first-time home buyer loans before deciding which option is right for you.

Which Type of Mortgage Is Right for You? FHA, USDA, and Other Loan Options

Remember that your credit score and credit report are both crucial to securing the best mortgage rate. A lower credit score indicates that there’s a greater chance you might default on your monthly payments. Lenders could charge you a higher rate of interest to cover the risk. In turn, a high credit score suggests that you are more likely to make your monthly payments. Our scoring methodology included capturing more than 10 data points, which covered interest rates, lender fees, loan types, discounts, accessibility and borrower requirements.

A section just for military borrowers that asks for details about your military service. A gifts and grants section to list who the gift is coming from and how it’s getting to you.

CHILLY TIMES

This results in a lower monthly payment than with a conventional loan. After the interest-only period ends, the borrower pays both the interest and principal. An interest-only mortgage may be a good option for people who move every few years, or who are buying a home as a short-term investment. Different from a fixed-rate mortgage, an adjustable-rate mortgage has a stable interest rate for a set period of time (for example, the first five or seven years of a 30-year loan). After that, the rate will adjust based on market conditions .

Getting approved for an FHA loan is one of the easiest ways to get a home today. Pay down your debt -Try and cut down your existing debt before applying for new credit as lenders may be reluctant to lend to you if you already have a large amount of debt. The first is an affordability check, which is how lenders decide if you'll be able to make your payments on top of your other expenses. Once you’ve selected a fixed, variable, discount or specialist mortgage, you can start looking at your likely rates.

A conforming mortgage has a maximum loan amount that's set by the government. The NADL program helps Native American veterans and their spouses purchase a home on Native American trust lands. Your tribal organization must participate in the VA direct loan program, and you must have a valid Certificate of Eligibility. You can apply for a VA loan with the lender of your choice, but first, you'll need to obtain a Certificate of Eligibility either through the VA's eBenefits site or by mail. Because the VA home loan is a lifetime benefit, you don't have to worry about using up your benefits within your first home purchase.

However, you may get an appraisal waiver or, in the case of states still affected by COVID restrictions, an appraisal of just the outside of the home may be acceptable. A broken water heater, landscape spruce-ups and regular maintenance are all on your dime as a homeowner. According to HomeAdvisor’s 2020 State of Home Spending report, homeowners spent $3,192 on home maintenance. Insurance companies suggest you budget 1% of your sales price or $1 per square foot toward these expenses to cushion the blow of unexpected costs.

For example, some state-level housing finance agencies offer Individual Development Accounts , which might contribute three dollars for every one dollar the borrower saves. Those who qualify work with an assigned counselor to deposit funds into an IDA over a specified period of time. If the borrower follows the plan and saves the required amount, they’ll receive the match at closing. First-time homebuyers can more easily afford a home with the help of down payment assistance , which is a sum of money given as either a grant, second mortgage or matched savings. USDA loan – The U.S. Department of Agriculture guarantees loans for some rural homes for up to 100-percent financing (in other words, there’s no down-payment requirement). This doesn’t mean you have to buy a farm or shack up with livestock, but you do have to buy a home in a USDA-eligible area.

PNC also offers a full digital pre-approval application, where borrowers may apply online and receive approval in a matter of minutes. Better doesn’t charge commission or lender fees—that includes application, underwriting and origination fees. According to Better, the commission-free business model saves approximately 1% of the loan amount.

How can I boost my chances of getting a mortgage?

A rental income section if you’re using rent income to qualify for the home you’re buying. In addition to pay stubs and W-2s for the last two years, provide the company name, address and phone number for your current employer. Lenders will need the information to verify your employment again before closing. Department of Veterans Affairs require the ages and number of children in a family.

It’s just that lenders want to make sure that their money returns to them and make some profit while they’re at it. Simply put, a credit score is a numerical value ranging from 300 to 850, which indicates how good your “credit behavior” has been in the past . Credit scores are measured using FICO scores, where anything under 630 is considered “bad”, while a score over 720 is considered “excellent”. Do this at least three months in advance to give yourself time to address any issues. Typically, anyone who has not owned a home in the past three years is considered to be a first-time buyer. Both policies offer protection in case there are problems with the title to the property down the road.

Non-profit organizations, certain employers, and other financial institutions also offer first-time home buyer loans. Has the right combination of features and perks, including no origination fees, low mortgage rates, and an online experience that helps homeowners cut their costs while saving time. The lender also offers $150 off closing costs when applying through The Ascent site. Some states also provide first-time homeowner assistance specifically for student loan borrowers.

It’s best to apply for a Mortgage Pre-Approval before you start shopping for a new home. Knowing how much home you can afford, what to expect for closing costs, and the interest rate you may qualify for helps you shop with confidence. These include fixed-rate and adjustable-rate conventional loans, jumbo loans for higher-value properties, and government-backed loans from the FHA, VA, and USDA. These programs are typically available through private mortgage lenders — many of the same lenders that offer conventional or jumbo loans. But because they are backed by the Federal government, the lender can be reimbursed if the loan defaults. Lenders look at many factors when you apply for a mortgage.

How To Get A Mortgage: A Step-By-Step Guide

Table of Content

CHILLY TIMES
Step 7: Maintain your credit status
Conventional mortgages
How to qualify for first-time home buyer grants

This could include how many applications you've made recently, how much you owe, what credit products you've had and whether you paid them all off on time. He also pointed out that lenders don't just look if you'll be able to pay back at the current interest rates - but how you'd cope if they went up too. We are all currently dealing with high interest rates, the cost of living crisis, and global uncertainty. But over the long term, UK property remains one of the most resilient assets in the market.

Conforming loans comply with guidelines, such as the loan limits set forth by government-sponsored enterprises Fannie Mae and Freddie Mac. These lenders often buy and package these loans, then sell them as securities on the secondary market. However, loans that are sold on the secondary market must meet specific guidelines to be classified as conforming loans.

CHILLY TIMES

How much you have for a down payment and closing costs. The more you can put down, the lower your payment will be. Take the time to prepare everything you need to get a home loan at least six months before you begin your home search. Not only will you be confident that you can close the purchase when you find that dream house, but you’ll also know that you got the best loan for your income and lifestyle.

The majority of purchase mortgage loans in the United States are known as conventional loans. This is a broad term that refers to loans that aren't guaranteed by a government agency. The lack of a guarantee means that conventional mortgages generally have stricter qualification requirements than the other loan types listed here.

Step 7: Maintain your credit status

The standard in the industry is 20% down, but you do not need that much money to buy a home for most programs. Today, you can get in some Fannie Mae programs with a 3% down payment, and 3.5% down payment for FHA loans. It may give you a lower interest rate, and it also will reduce the amount you borrow, thus lowering interest you pay. Historically, property has always been a safer investment, compared with more volatile stocks and shares as explained in this article at propertyreporter.co.uk. For example, in spite of the COVID-19 pandemic, average UK house purchase prices reached their highest on record in July 2022. In contrast, the stock market suffered its worst crash since 1987.

HUD keeps a running list of approved nonprofits available in every state and county. You can learn more about local housing programs available to you by visiting HUD’s website. Most government home buying assistance comes through state and local programs. You can view a complete list of state-specific buying resources on the HUD website. Luckily, there are grants and loans available to help home buyers become homeowners.

Conventional mortgages

A conventional loan requires a minimum credit score of 620 and a debt-to-income ratio of up to 50% or lower. Borrowers will need to provide documentation verifying their credit score, employment, income, and down payment funds during the application process. Sit down with a lender who specializes in first-time buyer programs. Not all lenders are authorized to offer FHA-insured loans.

But they could still be excellent options for first-time buyers with strong credit scores. There are several conventional mortgage programs for first-time buyers that allow for down payments as low as 3% of the purchase price. Nonprofit programs can offer exceptional value to first-time homebuyers seeking an affordable mortgage. The nonprofit does this by using “character-based” standards to qualify borrowers, versus the risk assessment most mortgage lenders perform, according to the organization. Down payment or first-time homebuyer grants are essentially free money that help you cover your down payment or closing costs. Grants are usually awarded to low- or moderate-income borrowers, typically defined as earning no more than 80 percent of the area median income .

"As a result, the 2023 downturn could prove shallower than first feared, prompting a bounceback in transactions later in the year as buyers and sellers adjust. These are just predictions and should not constitute financial advice. The latest data from the Land Registry - which works on a two-month lag - shows house prices rose 0.3% between September and October 2022 to reach £296,422.

But repeat buyers can sometimes qualify as first-time home buyers, too, giving them access to special loan programs and financial assistance. The requirements to qualify for a first-time home buyer grant depend on the down payment assistance programs available where you live. Freddie Mac's Home Possible Mortgage aims to help low-income borrowers, those making 80% or less of their area's median income, to purchase a home. Borrowers can pay a minimum of 3% down and even apply with a co-borrower who doesn't plan to live in the home.

Loans for First-Time Homebuyers: How to Finance

The lender you select will then guide you through the preapproval process. Most mortgage lenders look for a credit score around 620, so if yours is below that you will have to do some digging. For buyers in a hurry, the lender offers a Homebuyer Express 17-Day Closing Guarantee program. This is considerably faster than the industry average of 43 days to close, according to Freddie Mac.

A mortgage is likely to be the biggest loan you’ll ever take out – so the rate of interest you pay on it is vitally important. In fact, knowing where to find the best mortgage rates can make a significant difference to your monthly payments. And if you’re already paying off a mortgage, switching to a lender with a better rate can be a smart move. LoanDepot requires a minimum credit score of 620 for conventional and VA home loans, which is the average requirement for most lenders.

If a homebuyer wants to withdraw up to $10,000 for a home purchase from a Roth IRA, they can do so without penalty, as long as they’ve had the Roth account for at least five years. Note that this only exempts you from the penalty for early withdrawal. If you withdraw from a traditional IRA, you will still have to pay income tax on the money withdrawn. Most mortgage insurance premiums are collected monthly, along with tax and property insurance escrows. Once LTV is equal to or less than 78%, PMI is supposed to be eliminated automatically. LTV is the amount of actual or implied equity that is available in the collateral being borrowed against.

But, your loan amount and the overall cost of your loan may increase. Before you begin to shop for a mortgage, take a look at your credit score and look for ways to increase it if it is well below 700. To increase your credit score, pay off debt, make all payments on time and check for any errors. If you see errors, dispute it with the credit bureau and ask for it to be removed. Check the credit score requirements for home loans today. Your best line of attack when you’re shopping around, is to use an online comparison tool – especially for first-time buyers.

With a preapproval, the lender will review your finances to determine if you’re eligible for funding and an amount they’re willing to lend you. Mortgages can have a fixed or adjustable rate, meaning the interest rate stays the same for the duration of the loan term or changes over time, respectively. Most home loans have 15- or 30-year terms, although there are 10-year, 20-year, 25-year and even 40-year mortgages available.

How to Apply for a Home Loan in 6 Steps

Table of Content

How To Apply For The First-Time Home Buyer Tax Credit
First-Time Homebuyer Requirements
How do I choose a mortgage lender?
What Is a First-Time Homebuyer Loan?
first-time homebuyer grants
Editorial integrity
Consider factors that aren’t on the mortgage application

If passed into law, the First-Time Homebuyer Tax Credit will grant first-time home buyers up to $15,000 in refundable federal tax credits. That offer grants and loans to help pay your down payment and closing costs. It has been 12 years since the last first-time home buyer tax credit expired.

The federal government operates many first-time homebuyer loan programs. However, these often have special requirements regarding the location or type of property, or criteria for the borrower . You don’t directly deal with Fannie Mae or Freddie Mac to get these loans. Rather, they’re available through many types of mortgage lenders, including banks, online lenders and credit unions. A mortgage is a major financial commitment, both for you and the lender. So expect to share a lot more documentation than you would if you were applying for other loan types.

How To Apply For The First-Time Home Buyer Tax Credit

You’ll provide documentation and paperwork that backs up the information you submitted when you applied. All of our content is authored by highly qualified professionals and edited by subject matter experts, who ensure everything we publish is objective, accurate and trustworthy. Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.

This makes their homes much more affordable than local options. Habitat for Humanity is the largest nonprofit builder in the world, with over 800,000 homes built. You might qualify for charitable or nonprofit assistance if you have low to moderate income. Charities and nonprofits are non-government organizations that can offer you educational and financial resources when you buy a home.

First-Time Homebuyer Requirements

They’ll examine your income, job history, credit score, debt-to-income ratio, assets and the type of property you want to buy. You’ll be responsible for providing them with all relevant documentation that can prove your viability to qualify for a loan. These scores are used by banks and other lenders in order to assess just how certain it is that they will get their money back if they give you a loan. A credit score can influence loan approval, as well as loan amounts. If this is your first time getting a loan, you will have no credit score whatsoever, which is why lenders sometimes apply higher rates to a first-time borrower. Both conventional mortgages and FHA-insured loans have specific borrowing limits in the continental U.S.

(You can search online for FHA-approved lenders.) And not all lenders are up to speed on how the 3% down payment for conventional mortgages work. Department of Housing and Urban Development , provides various mortgage loan programs for Americans. An FHA loan has lower down payment requirements and is easier to qualify for than a conventional loan. FHA loans are excellent for first-time homebuyers because, in addition to lower up-front loan costs and less stringent credit requirements, you can make a down paymentas low as 3.5%. Keep in mind that these loan terms will likely be updated once you lock in your true rate and submit your final loan application.

How do I choose a mortgage lender?

Tax deductions and employer-sponsored programs are often more flexible. You can deduct your mortgage insurance on your personal home even if you have other properties – up to the limits mentioned earlier. One of the most well-known housing nonprofits is Habitat for Humanity, an international organization that offers “simple, decent and affordable” housing for low-income families. Volunteers build homes for those in need, and Habitat for Humanity makes no profit on the home after you close.

And household income limits may be based on family size and property location,” says Merritt. “Every state in the country has a housing finance agency, and all offer special programs for first-time buyers,” says Anna DeSimone, author of Housing Finance 2020. For those who qualify, a VA loan is often the best loan option. Zero down payment is required, and VA homeowners never pay private mortgage insurance .

Buying A House After Bankruptcy: What You Need To Know

Locate your state’s housing finance agency website in the tables above and look for a list of “approved” or “participating” lenders. Surprisingly, these can prove to be much easier than other types of first-time loans. Lenders will be more than happy to approve this type of loan if you are willing to secure the loan with your new car as collateral. There are lenders who offer loans for 18-year-olds with no credit. Just follow our tips to make sure you find the right one for you.

This translates to any loan in which you own less than 20% equity in the home. As a first-time homebuyer, you may be eligible for special programs that allow you to access deeply discounted homes and put low or no money down. Lenders will evaluate your creditworthiness and your ability to repay based on your income, assets, debts, and credit history. To prepare for a preapproval, gather your documents early and submit these to a mortgage lender in a timely manner. A loan officer can walk you through each section, and give you feedback along the way. An extra two or three months’ worth of mortgage payments in the bank could boost your approval odds.

Look for the most competitive rates, loan terms, down payment requirements, and fees. Buyers should also look to see what types of loans a lender offers, who they will be working with, the average loan processing time, and customer service ratings. The program also has neither a credit score nor a DTI requirement.

While first-time homebuyer grants exist and are worth exploring, here we'll go in-depth on loans. Some loan options are tailored specifically for low-income borrowers. Alternative mortgage instrument is any residential mortgage loan with different terms from a fixed-rate, fully amortizing mortgage. A mortgage is a loan used to purchase or maintain real estate.

first-time homebuyer grants

In fact, in 2016 Better funded its first loan without a single phone call. For people who like automation, this is where Better shines. Our ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team. The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters. Matt is a Certified Financial Planner® and investment advisor based in Columbia, South Carolina.

Friday, January 15, 2021

West's Mortuary Americus, Georgia

Table of Content

YOUR LOVED ONE
Mrs. Norma Lee Perkins Jackson
Add your memorial or rememberance
Greg Hancock Funeral Chapel
Mr. David Lee Monts "Wig"
~ Order Flowers ~
Mrs. Lizzie Mae Harper

Bobby was affectionately known as "Bob" by his family and friends. He was educated in the public school system of Sumter County. His employment began at Horne Farms where he worked as a farmer for many years.

Betty Lou was born to Bertha and Lawrence Thompson in Aneta, ND on September 28, 1923. Theresa Burkhart, age 63, of Americus passed away on Monday, November 21, 2022 at her residence. Oscar T. Harrell, Jr., age 91, of Desoto, GA, passed away Monday, December 19, 2022 at his home. They were outstanding when my mother passed away.They took care of all our needs at a very tough time.Very caring and professional. On February 25,1983, he was united in holy matrimony to the love of his life Barbara Jean Carr and to this union they were blessed with two children. Mike was a man that had a huge passion for farming as well as raising his animals, working in the garden, and most of all making his famous Brunswick Stew.

YOUR LOVED ONE

Have flowers from a local florist delivered to an upcoming service. Sgt. Willie D. Harris, Sr. was born October 1, 1951, in Macon County, Montezuma, Georgia to the late John Rackley and Annie Mae Harris. At an early age, he joined New Hope Baptist Church.

Find an obituary, get service details, leave condolence messages or send flowers or gifts in memory of a loved one. Roscoe loved spending time with his children, grandchildren, and friends. He loved to cook and was known for his delicious ribs.

Mrs. Norma Lee Perkins Jackson

Terry passed away on Friday, September 10, 2022, in Connecticut. She believed that every child needed and deserved love, but with that love came truth, discipline, a switch, and love…in that order. She dedicated her life to God at the ripe old age of nine years old at New Hope Baptist Church. From that time forward, she worked in the “field” of God. While in Rochester, she was a fine member of Holy Trinity Baptist Church.

west funeral home obituaries americus ga

Michael Joe Felton Sr. was born October 5, 1961, in Montezuma, Georgia. He was the son of Florie Felton the late Alonzo Woolfolk. He received his education in the Macon County School System at the Historic D.F. Douglass High School. At an early age, he became a member of the Harrison Chapel Baptist Church. Michael, better known as “Mike”, was employed at the Tyson Feed Mill where he worked as a rail receiver for 20 years, until his health declined. Sarvondre Eugenia Clark was born January 18, 1970, to Jimmy Lee Clark and Pharies Elaine Turner Clark in Sumter County, Georgia.

Add your memorial or rememberance

At the age of 18, he moved to Hartford, Connecticut in search for better opportunities. He was also employed by the City of Hartford’s Department of Public Works, where he retired after 20 years of dedicated service. In July of 1953, Mag was united in holy matrimony to the late Lester West.

731 North Lee Street Americus, Georgia about funeral arrangements, regardless of their intent to purchase funeral services or not. Your friends and neighbors will appreciate the information. After many years of working in the manufacturing industry in and around Hartford, Norma moved to Michigan to help raise her grandchildren. She had a zeal for life and loved doing activities with her daughter, son-in-law, and grandchildren that brought her joy. Norma also loved cooking, reading, and listening to all kinds of music from Opera to Jazz to Motown Soul.

A funeral can be one of the most expensive and difficult purchases one may ever have to make. Having little to no knowledge of the industry, coupled with the added time pressure and emotional duress a person could easily be fooled and taken advantage of. Her trust, and ultimate victory, however, was won in the Lord Jesus, and in His saving love for her. Marie Jeanette Kloster was born on August 10, 1935, in Sharon, ND, the fourth of five children born to Willie and Myrtle Kloster. She attended K-12 in the same school building in Sharon, ND,...

He worked at the Savannah Beach Nursing Home for ten years, was a member of the Savannah Fire Department for five years, and worked at Tyson Foods for ten years. Carl’s true passion was working in his yard as often as he could to keep his lawn fresh and his flowers blooming. On September 5, 2022, Carl departed this life and entered into eternal rest. Terry Wynn, son of the late Rosa Wynn and Clifford Mitchell, was born September 9, 1957, in Macon County, Georgia.

Mr. David Lee Monts "Wig"

He later worked installing air conditioners for Safe Air until his health failed. On September 12, 2021, with the quickness of the wind, he slipped away from those who loved him dearly. He was preceded in death by his son, Bobby Darrell Baker, Jr; his brother, Charlie Will Baker, Jr. and his sister, Annette Wilson. Shanita was educated in the public schools of Sumter County.

For anyone who is interested in preplanning your funeral, you can be sure your legacy will be safeguarded and that you may have peace of mind. Ms. Odessa “Perk” Foster was born February 27, 1945, in Sumter County, Georgia to the late Mr. Rozell Foster Sr. and the late Mrs. Ida Willie Mott Foster. She attended Staley High School and after high school, she worked at Walmart for several years before an unfortunate injury. After that, Ms. Odessa focused solely on her family.

Recent Obituaries

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Brown's Funeral Services
West’s Mortuary, Inc. | Welcome to West’s Mortuary
Barnum Funeral Home
Albritten's Funeral Service
Smith West Mortuary
Funeral Services for Mr. John Wilson were held on the … – YouTube

This is generally required if you will be needing any assistance from the staff for the service. This is the fee for the services the funeral home will provide during a funeral or memorial service. This is generally required if you would like to hold the service at the funeral home or if you will be needing any assistance from the staff for the service. Karl Wayne Styles, affectionately known as Lil Pete or Loko, was born on October 15, 2003, in Columbus, Georgia to Kristy and Travis Bowens.

Brown's Funeral Services

He was preceded in death by his brothers Marshall Fobbs and George W. Tooke, Jr., his mother Nannie Mae Tooke, and his stepfather George W. Tooke, Sr. Timothy Allen Strickland, 58, of Ellaville, Georgia passed away Friday, November 25, 2022. Timothy loved spending time with his grandchildren and was a devoted husband, father, grandfather, and friend.

Sarvondre departed this life on September 16, 2022, in Atlanta, Georgia. She was preceded in death by her parents and her youngest brother Lu-Keldric Clark. Search Americus obituaries and condolences, hosted by Echovita.com.

West’s Mortuary, Inc. | Welcome to West’s Mortuary

At the age of five, the family moved to Hartford, Connecticut where he graduated in the Connecticut school system. Just like her mother, Laura had superb culinary skills. She enjoyed music and believed life wasn’t satisfying without laughter.

Barnum Funeral Home

This union blessed them with three daughters, Elaine West Turner , Marion West McDonald and the late Eria West Jackson of Montezuma, Georgia. Mag was also the stepmother to Lester West Jr. of Miami, Florida and the late Beverly West Bates of Miami, Florida. He loved his kids so much, he would do anything to make them have everything he never did. His favorite thing to do was take his boat out on the lake on hot summer days and ride through the waves of beautiful bodies of water.

Due to COVID-19 concerns, we ask that you MASK UP and continue to practice social distancing for your protection and for the protection of others. The information on this page comes from the websites of funeral service providers in the Americus area. Unfortunately there are just a few that have no website. This is the fee for the services the funeral home will provide during a graveside service.

Albritten's Funeral Service

The family moved to New Rockford, ND, where she graduated from high school. She attended Interstate Business College in Fargo and after graduation worked for the St. Paul Insurance Company. Danell Dougherty, loving wife, mother, grandmother, passed away on December 13, 2022, under the care of Hospice of the Red River Valley at home with her family by her side. Danell was born on June 18, 1962 in Breckinridge, MN to Marlyn and Elaine Ordahl. Danell and her family lived in Milnor, Jamestown, Emrick and Fessenden before moving to Beach, ND when Danell was in the 8th grade and where Danell graduated from high school.

She loved to cook big meals for them and have family time together. She was well known by the community to shop at her two favorite stores, Salvation Army and Goodwill. Due to COVID-19 concerns, we ask that you wear a mask and continue to practice social distancing for your protection and for the protection of others.

Mrs. Mag Jamerson West

It is with deep sorrow that we announce the death of Mrs. Mary Jane Ward, which occurred on Wednesday, October 5, 2022. Beloved wife of Arthur Ward, mother of Alvin Robinson, grandmother of Avery Cannon, and great-grandmother of Avery Cannon Jr. and Donovan Cannon. Mr. Joseph W. Monts, Sr. was born on February 12, 1945, in Sumter County, Georgia to the parentage of the late Mr. Joe E. Monts and the late Mrs. Bessie Lou Cottle Monts. He was a member of New Mount Mariah Baptist Church. He attended the public schools of Sumter County and was an employee of The Sumter Livestock Association for over twenty years, until retirement. Before his health declined, he loved fishing and working in his garden.

Mr. Carl Isreal was born in Montezuma, Georgia to the late Willie Isreal Sr. and Lillian Clark Isreal on July 24, 1950. After high school, he attended Fort Valley State University. He was united in Holy Matrimony to Carolyn Johnson Isreal on December 13, 1970.