California Teacher Home Loan and Assistance Programs, teacher mortgage programs.#Teacher #mortgage

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California Teacher Home Loan Assistance Programs

Teacher mortgage programsCalifornia s Teachers, Educators, and School District Employees have several home mortgage and home buyer assistance program options besides the suspended CalSTRS Teacher home loan.

Below is a brief summary and complete list of Teacher home loan and home buyer down payment assistance programs in California.

Extra Credit Teacher Home Purchase Program

The ECTP home buyer assistance program is offered through the California Housing Finance Agency (CalHFA). ECTP gives eligible teachers, support staff, administrators, food service, and janitors who are first time homebuyers for down payment assistance in the form of a silent second deferred payment junior loan.

The assistance can be in the form of down payment or closing costs up to $15,000 in high cost counties.

To be eligible for the California Extra Credit Teacher Home Buying Program, you must be employed by a K-12 public school, Charter School, couty/continuation school, or by tthe school district.

Read more details about eligibility and qualifying for the ECTP program go here or read this.

CalHERO Teacher Home Loan

CalHERO is an EXCLUSIVE home loan for teachers and educators. CalHERO was developed to provide an alternative home loan benefit for CalSTRS members. Ever since the CalSTRS program administrator and master servicer chose to not renew their home loan program.

CalHERO eligible borrowers can combine other assistance assistance programs with the CalHERO home loan to further reduce funds needed for closing on a purchase.

CalHERO Teacher Mortgage Highlights

  • Discounted interest rates
  • Reduced lender fees
  • NO income limits
  • For purchase or refinance of an existing loan
  • Down payments as low as 3.5%
  • Credit scores as low as 600
  • NOT limited to first time home buyers
  • Lender credits available to help pay closing costs
  • Can combine or layer CalHERO with other assistance programs

CalSTRS 80/17 Refinance. CalHERO can also be used to refinance and consolidate a CalSTRS 80/17 combo loan in which the 2nd mortgage payment is about to adjust and make your monthly payments INCREASE! Current teachers with a CalSTRS 80/17 loan should read be proactive and take action by reading this.

CalHERO is a LESS EXPENSIVE option than the former CalSTRS loan because CalHERO does not charge a 1.5% up front origination fee. More details on CalHERO can be read here.

We are actively working on an official endorsement as a financial provider for CTA members.

Good Teacher Next Door 50% Off Homes!

The Good Teacher Next Door program is actually a nationwide home buying program that enables teachers to purchase homes for 50% off the listed sale price. This program is officially referred to as the Good Neighbor Next Door (GNND).

The Good Neighbor/Good Teacher Next Door program is not an actual home loan program, but rather a home buying program. Teachers can use any mortgage program, like CalHERO, to purchase these homes.

The Good Teacher Next Door program s goal is to promote home ownership and give a large financial incentive for teachers to buy a HUD owned home in hopes their presence will help revitalize targeted neighborhoods. You can read more about the Good Teacher Next Door and conditions of buying here or here.

MyCommunity Teacher Mortgage (MCTM)

The MyCommunity Teacher Mortgage gives teachers in California access to a low down payment home loan with more flexible underwriting guidelines and discounted PMI.

Although the MyCommunity Teacher Mortgage is not limited to first time home buyers, it does have a household income limit based on the borrowers household income and cannot exceed 140% of the county Area Median Income (AMI).

Southern California income Limits (call me for other counties)

  • Riverside County – $87,640
  • San Bernardino County – $87,640
  • Orange County – $93,520
  • San Diego County – $101,220
  • Los Angeles County – $93,520

The MCTM program is an alternative to CalSTRS and other programs if you cannot met CalPATH criteria. Buyers can also combine the CalHFA down payment assistance program (CHDAP) with the MCTM.

You can read more about the MyCommunity Teacher Mortgage here.

Additional California Teacher Assistance Home Loan Programs

CalHFA offers several first time home buyer and/or down payment assistance programs that teachers can benefit from

CalPLUS w/ ZIP provides 3.5% down payment assistance silent second mortgage that is deferred at 0% for life of the loan.

CalHFA first lien Conventional or FHA program.

CalHFA MyHOME Assistance provides 5% for down payment assistance in the form of a silent second mortgage for first time home buyers.

NHF/GSFA Grant program provides home buyer assistance for buyers who are NOT first time home buyers!

Platinum or Sapphire Grant can be either an FHA or Conventional loan that provides up to 5% in the form of a grant that never has to be repaid.

NHSIE (Neighborhood Housing Services of the Inland Empire) offers two homebuyer programs teachers can use.

CalHOME A Mortgage Assistance Program offers a 10% silent second mortgage for first time home buyers.

CityLIFT Provides $15,000 in down payment assistance for buyers in the Inland Empire that is forgiven after 5 years .and do not have to be first time home buyers.

Not Sure Which Program is Best?

If you re not sure which program will help you qualify for the most, has the lowest rate, has the lowest payment, lowest down payment requirement, which one you are eligible for, or which program you will actually qualify for, don t worry, most loan officers don t know either!

Ha Ha ..just kidding, sort of ..but it can get confusing and that s exactly why most loan officers and mortgage lenders don t offer these programs. You really need a SPECIALIST who understands how to structure your mortgage and assistance program.

I would be honored if you would contact me or call (951) 215-6119 to figure out which program is best for you and compare your options side by side.





20/09/2017

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What Can I Do with an Associate – s Degree in

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What Can I Do with an Associate’s Degree in Elementary Education?

Completing an associate’s degree program in elementary education may prepare graduates for a job as an elementary school aide, or it may just be a precursor to earning more education in the field. Read on to find out what options are available to graduates of an associate’s degree program in elementary education. Schools offering Elementary Education degrees can also be found in these popular choices.

What is an Associate’s Degree in Elementary Education?

Most elementary school teachers are required to have at least a bachelor’s degree, as a 4-year degree is needed to gain teacher certification in most states. For this reason, an associate’s degree in elementary education alone cannot provide individuals with the academic credentials necessary to work as educators in public and private schools. However, many community colleges still offer 2-year, associate’s degree programs in elementary education. While these programs alone cannot prepare students to become teachers, they can prepare them for other opportunities.

While enrolled in an associate’s degree in elementary education, students should learn the basics of primary education. They may examine a variety of topics, including educational techniques and classroom technology. Graduates of such a degree program may enter the educational workforce as teaching aides or assistants or pursue higher education in a related field. Below are a couple of employment and educational options available to those with an associate’s degree in elementary education.

Important Facts About Teacher Assistants

Median Salary (2014)

Job Outlook (2014-2024)

Communication skills, patience, and resourcefulness

Career and technical education teachers, childcare workers, library assistants

Source: U.S. Bureau of Labor Statistics

Become an Elementary School Aide

Elementary school aides, sometimes referred to as teacher aides or assistants, are responsible for assisting teachers with a wide range of classroom tasks. These tasks allow teachers to focus their energy on planning and implementing lessons. Aides may help move students between school locations, supervise students and prepare materials for classroom lessons. In some cases, aides may assist in the grading of projects and homework. Although many aides only hold high school diplomas, some states require aides to hold degrees from accredited 2-year college programs.

Earn Further Education in the Field

Many graduates of associate’s degree programs in elementary education can choose to continue their studies at a 4-year university. Credits earned in such a program may be applied toward a bachelor’s degree program in the field. Bachelor’s degree programs build upon the knowledge gained in associate’s degree programs and help prepare students to pass a teaching certification exam. Teachers may continue their education by earning a master’s degree in elementary education or in a more specific field. In general, a higher education level translates into higher pay.

To continue researching, browse degree options below for course curriculum, prerequisites and financial aid information. Or, learn more about the subject by reading the related articles below:





13/09/2017

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MnSCU Farm Business Management – Welcome to Farm Business Management #minnesota,

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Welcome to Farm Business Management

In today s world, farming is a complex business with many facets. From the traditional family owned farm to the corporate farm, bookkeeping, profitability, tax planning and many other skills are required to complement traditional farming duties.

Agriculture is the number two industry in Minnesota, and Minnesota State Colleges and Universities offers many programs for farm owners and employees.

This site will help you explore the many possibilities that await.

Farm Business Management Education Programs

Minnesota State Colleges and Universities farm business management education programs are administered through eight college campuses at 46 different sites across the state. There are a total of 62 farm business management instructors.

Farm business management programs are designed to provide education to farm owners and operators or persons interested in farming. The purpose of the program is to assist students in meeting their business and personal goals. This is best accomplished through the use of quality records and sound business decisions. Effective financial management in the business is the best way for the business to maintain that competitive edge.

Instructors in Minnesota s farm business management education programs deliver the program using a variety of methods. The primary delivery method is through individualized instruction at the student s farming business. Instructors meet with the students on a regular basis to evaluate the business and develop individual educational plans. Instruction is also delivered in the traditional classroom, small group meetings, field trips and tours.

Farm business management education is managed at the state level by the senior system director for workforce development and customized training. The state of Minnesota is divided into six regions which are managed by five regional deans of management education.





27/08/2017

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CTDLC Home #connecticut #distance #learning #consortium, #ctdlc, #connecticut, #distance, #learning, #consortium,

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CTDLC ANNOUNCES THE WINNERS OF THE 2016 DIANE J. GOLDSMITH AWARD FOR EXCELLENCE IN ETUTORING Newington, Conn. U.S.A. (October 3, 2016) – The Connecticut Distance Learning Consortium (CTDLC), whose online tutoring program serves an international community of 2-year and 4-year colleges and unive.

CTDLC ANNOUNCES THE WINNERS OF THE 2016 DIANE J. GOLDSMITH AWARD FOR EXCELLENCE IN ETUTORING Newington, Conn. U.S.A. (October 3, 2016) – The Connecticut Distance Learning Consortium (CTDLC), whose online tutoring program serves an international community of 2-year and 4-year colleges and unive.

May 25, 2016 at Fairfield University Our Featured Keynote Speaker will be Dr. Robbie Melton “Education On-Demand and In Your Hands” The Internet of Things or IoT will not be gently knocking at higher education’s door, it will be banging on our doors with an army of devices in tow, and sooner.

Call for Proposals Deadline Extended! The Conference will be held on Wednesday, May 25th, 2016, at Fairfield University. The DEADLINE FOR SUBMISSIONS has been extended until Friday, March 18th. The Connecticut Distance.

The Connecticut Distance Learning Consortium (CTDLC), a division of Charter Oak State College and a member of the Connecticut Board of Regents of Higher Education, recently completed development of a series of online courses offered in American Sign Language (ASL) by the Connecticut Bureau of Rehabi.

The Connecticut Distance Learning Consortium (CTDLC), whose online tutoring program serves an international community of 2-year and 4-year colleges and universities, is pleased to announce the recipients of this year’s Diane J. Goldsmith Award for excellence in

Today we are pleased to be the focus of the WCET Frontiers blog. Our Call Center is very proud of all they have accomplished and are now able to offer to our clients. Here’s the link. We are always open to new cli.

If you are new to online learning, instructional design, eLearning course development, or would simply like to learn more about the world of online education, this course is designed for you. Discounted rate for eTutoring.org Schools. A Two-Week Course Starts Monday, July 27th, 2015 Registration.

CTDLC is proud to announce its latest partnership with Connect-Ability, Department of Services (DORS). and the Bureau of Reh.





23/08/2017

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How do I Become an Online School Teacher? (with pictures) –

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wiseGEEK: How do I Become an Online School Teacher?

An online school teacher provides educational support and assistance to online students. Online school is a term used to describe educational institutions offering courses over the Internet. The requirements to become an online teacher differ based on the subject, audience and certification being provided.

Online schools that are offering government managed educational programs must have teachers with the same qualifications as a brick and mortar school. Online school teachers for elementary and high school programs must have an undergraduate degree and a bachelor’s degree in education. The requirements for teachers differ in many states. The ones that are in effect for the state you are teaching in must count.

To become an online school teacher for programs aimed at adults, you must have an expert level of knowledge and an excellent understanding of the subject. Most schools require a bachelor’s degree in a related field and traditional teaching experience. Additional certifications in adult education or online learning are beneficial.

Online schools that are providing a branded program must have teachers with the qualifications required by that program. The license that allows the online school to offer the program stipulates the educational requirements for the instructor. If there are any complaints, or issues surrounding this, the school may have their license revoked.

Education is a huge industry and provides billions of dollars in revenue to schools. Because of this, the competition for students is quite high. People are cautious when selecting an online school and check into the background of the online school teacher in much greater detail than they would for a traditional instructor. As a result, many online school teachers are actually overqualified for the material that they are teaching.

To become an online school teacher, there are three things that you must have: post secondary education, teaching experience and technological skills. Although the requirements may differ in detail, all online school teachers must have a senior level of education in their field.

Teaching experience is essential for an online school teacher. Obtain classroom experience by volunteering to teach at a local school. Offer short seminars on your subject. Presentation, public speaking and answering questions are all teaching skills that must be learned.

Online schools rely heavily on technology. You must be comfortable using course management software, recording and editing lectures, providing online notes and moderating student discussion boards. Time management is a critical sill when teaching and a quick turnaround on assignments and questions will greatly enhance your student’s enjoyment of your course.

Article Discussion

It is a little bit harder because you can’t read the child facial expressions and the online set up seems a little cold to me. I know that a lot of people take college classes online, but that is different because adults are more independent and it fits their lifestyle better.

I don’t think that kids are that independent that they can take a series of classes online without the regular give and take in the classroom. I think that teachers that are drawn to this profession are probably not going to want to be tied to a computer at home. I think most would want to get to know their students face to face.

1) The funding shortages in a lot of states have really created the need for online public schools. Allowing students the chance to take classes at home really saves the school district money.

I have looked at working for one of these schools and they usually require at least three years of actual teaching experience in classroom along with a teaching certificate and a Bachelor’s degree. These positions also require the teacher to be available from 9 to 5.

They also require a lot of communication with the students and their parents and I think it is a great fit for someone that has the credentials, but wants a change of scenery. Some people don’t like dealing with the office politics that you deal with while working in a school and this set up is ideal for that type of person.

I think that in Florida, the teachers hired for the Virtual School start off at $45,000 a year.





09/08/2017

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Cerebral Palsy #cp, #cerebral #palsy, #wheelchair, #crutches, #congenital #disorder, #birth #defect,

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Cerebral Palsy

Maybe someone at your school has cerebral palsy — or perhaps you have it and you’ve been dealing with it your whole life. As we become more aware of appearance and body image. it can be tough to be in a wheelchair or to have people tease you about the way you walk. But lots of teens with CP don’t let it hold them back. They do just what everyone else does.

What Is Cerebral Palsy?

Cerebral palsy (CP) is a disorder of the brain. Normally, the brain tells the rest of the body exactly what to do and when to do it. Because of how CP affects the brain, a person might not be able to walk, talk, eat, or move the way most people do.

CP affects a person’s muscle tone and ability to coordinate body movements. People with CP have trouble controlling their muscles. How a person is affected all depends on what part of the brain is involved.

How Does Cerebral Palsy Affect People?

The three types of cerebral palsy are:

  1. Spastic (pronounced: SPASS-tik) CP is the most common type of CP. People with spastic CP can’t relax their muscles or the muscles may be stiff.
  2. Athetoid (pronounced: ATH-uh-toid) CP affects the ability to control the muscles of the body. A person’s arms or legs may flutter and move suddenly.
  3. Ataxic (pronounced: ay-TAK-sik). People with ataxic CP have problems with balance and coordination. Their movements may seem shaky.

People with CP can have mild cases or more severe cases. It all depends on how much of the brain is affected and which parts of the body that section of the brain controls. If CP affects both arms and both legs, a person might need to use a wheelchair. If CP only affects the legs, someone may walk in an unsteady way or have to wear braces or use crutches.

If CP affects the part of the brain that controls speech, a person with CP might have trouble talking clearly or not be able to speak at all. Some people with CP also have learning disabilities or behavior problems, though many don’t have these issues. Others can have medical problems like seizures or epilepsy. or hearing impairment.

What Causes It?

In most cases, doctors don’t know exactly what causes CP. They do know that it’s the result of damage to the brain — either while a baby is in the womb or in the first few months or years after the baby is born.

Babies have a higher chance of having CP if they are born early or if they’re very underweight at birth. Babies who don’t get enough oxygen during or right after birth also have a higher chance of having CP. So do babies who need to be on a ventilator (a machine to help with breathing) for several weeks or more after birth.

CP is not contagious, so people can’t catch it from other people. Even a mother with CP can’t pass it on to her unborn baby.

What Do Doctors Do?

Doctors diagnose CP when kids are young, so by the time people reach their teens, they usually know they have CP and are used to living with it.

With CP, the problem with the brain will not get any worse as people get older. For example, someone who has CP that affects only the legs won’t develop CP in the arms or have problems with speech later on.

Although CP doesn’t get worse over time, how it affects someone’s body can change as the person grows or develops. For example, some teens with CP may develop dislocated hips (when the bones that meet at the hips move out of their normal position) or scoliosis (curvature of the spine).

Because CP affects people differently, there are lots of ways to treat and manage it. Some teens have only mild problems with movement. Others need crutches or wheelchairs to get around. Doctors, parents, teachers, therapists, and the person with CP all work together to develop the best treatment plan.

Teens with CP may work with these experts:

  • a pediatric orthopedist
  • a developmental pediatrician who looks at how the person is growing or developing compared with other teens
  • a pediatric physiatrist (or rehabilitation physician), who helps kids with disabilities of many kinds
  • therapists, like physical therapists to help with movement, occupational therapists to help with skills like handwriting, and speech therapists

Some teens with CP take medicines to relax their muscles (in the case of spastic CP) or to help control seizures. And some might have special surgeries to keep their arms or legs straighter and more flexible.

Coping With Cerebral Palsy

Puberty can be especially challenging for people with CP. Rapid growth can cause weight gain and clumsiness in any teen, but can make it even more difficult for someone with CP to move around. A person’s muscles can become tighter as the bones grow, which can restrict movement even more.

If you have CP, what you’ll do depends on your CP. One thing you can do is to get more involved in your medical care wherever possible. Keep up with your appointments, including any physical or other therapy visits. This is a time when your medical team will want to keep an eye on you and adapt your treatment or therapy as you grow.

Many guys and girls with CP can do the same sorts of things that other teens do, like enjoying extracurricular activities, listening to or playing music, hanging out with friends, reading, going to the mall, and dating, to name just a few.

Helping a Friend Who Has CP

If you know someone who has CP and you’re wondering how to help, just treat that person the way you would anyone else. Some people with CP might need extra assistance once in a while, like when reaching for something. Help out — just as you would with anyone else — without making a big deal about it. If you can’t understand what a person with CP is saying or if it takes longer to do things, give him or her extra time to speak or move.

And don’t be afraid to talk to a friend about what it’s like to live with CP. Everyone wants to fit in, and being in a wheelchair or having other physical problems can make someone self-conscious or feel left out. So if you know someone with CP, try to be welcoming and include him or her in what you’re doing.

Date reviewed: August 2015





06/07/2017

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