From Mlongreene2 at aol.com Tue Dec 9 19:59:51 2008 From: Mlongreene2 at aol.com (Mlongreene2 at aol.com) Date: Tue, 9 Dec 2008 19:59:51 EST Subject: [Year-Round Housing] House Sale Alert!! Message-ID: Hi All, Laurie Wood alerted me on the boat this morning that the former Faith Woodman house is going on the market now for the price of $127,900!! If you have any interest in this year round house call Laurie ASAP at 766 2194; cell 232 0758 and see what is needed to make it happen. No house is perfect but this is potentially an incredible affordable housing opportunity. Mark **************Stay in touch with ALL of your friends: update your AIM, Bebo, Facebook, and MySpace pages with just one click. The NEW AOL.com. (http://www.aol.com/?optin=new-dp&icid=aolcom40vanity&ncid=emlcntaolcom00000012) -------------- next part -------------- An HTML attachment was scrubbed... URL: From Mlongreene2 at aol.com Wed Dec 10 08:25:36 2008 From: Mlongreene2 at aol.com (Mlongreene2 at aol.com) Date: Wed, 10 Dec 2008 08:25:36 EST Subject: [Year-Round Housing] First home buyers - financing available; little or no down Message-ID: A followup to the Woodman house offering. There is no reason why this sale would not be eligible for MaineHousing's first time homebuyer program. Low interest, money available, modest or no down payments possible: Check this out:: Mark Program Summary MaineHousing’s First Home Program provides low fixed rate mortgages to help Maine people buy homes of their own – often with little or no down payment. Mortgage options are available with no points, low points, and extended payment terms – you choose what’s right for you. First Home interest rates are usually lower than market interest rates for similar products. Lower interest rates mean lower monthly payments. This can save thousands of dollars -- and often tens of thousands of dollars -- over the full term of a loan. To see how much a MaineHousing mortgage can save you, compare the effect of a _MaineHousing interest rate_ (http://www.mainehousing.org/DATAInterestRates.aspx) and a market rate using an online _mortgage calculator_ (http://www.mainehousing.org/EDUCalculatorMortgage.aspx) . All First Home mortgages also come with payment protection for unemployment. If you are a MaineHousing borrower in good standing and become unemployed, Maine HOPE – HomeOwnership Protection for unEmployment – may be able to help by making four MaineHousing mortgage payments, including taxes and homeowners insurance. The amount paid becomes a junior mortgage lien, with no interest, that is repaid when you pay off your MaineHousing mortgage or stop using the home as your primary residence. It’s a little added protection for you and your home. MaineHousing mortgage options include: * No point and low point options - Discount points may be paid at closing to reduce your interest rate. MaineHousing offers both a zero point and a two point mortgage option. Whether payment of points makes financial sense for you may depend on how long you think you’ll stay in your home without refinancing your mortgage. * Optional 40-year term - MaineHousing now offers an extended term option that allows you to repay your loan over 40 years. (This option is not available for mobile homes.) If you choose the 40-year term, your monthly payment will be lower, but you will pay a higher interest rate and more interest over time. * Down payment and closing cost assistance - A MaineHousing loan with mortgage insurance can help you buy a home with little or no down payment. But if you still need help with the cash needed for closing, consider the Maine Assist option. You may be eligible for 3% of your mortgage amount — up to $4,000. Borrowers using Maine Assist will have a slightly higher interest rate on their loans and must complete a _hoMEworks homebuyer class_ (http://www.mainehousing.org/EDUHomebuyerEducationClasses.aspx) to be eligible. (If you are interested in Maine Assist you may also be interested in the _Maine American Dream Initiative Program (MADI)_ (http://www.mainehousing.org/PROGRAMSMadi.aspx?ProgramID=40) .) * Home improvements included in your loan amount - The Purchase Plus Improvement option finances the purchase and repair of a home with one loan. If you are eligible, you may include between $500 and $15,000 for home improvements in your mortgage, as long as the cost of the home plus improvements does not exceed program _purchase price limits_ (http://www.mainehousing.org/HOMEBUYERPurchasePriceLimits.html) . * Financing for mobile homes - MaineHousing offers mortgages for single- and double-wide mobile homes located on owned or leased land. The Mobile Home Self-Insured option provides financing for mobile home property types that are ineligible for private or federal mortgage insurance. With this program option, there is a purchase price limit of $150,000 statewide, interest rates will be a little higher, and the term of the loan is based on the age of the mobile home. MaineHousing has been a trusted source for mortgage financing for over 30 years. If you choose a MaineHousing mortgage, your mortgage stays with us – it will never be sold. Am I Eligible? You may be eligible if you: * Are a first-time homebuyer. * Have not had an ownership interest in your home within the past three years. Although _household income limits_ (http://www.mainehousing.org/HOMEBUYERIncomeLimits.html) apply, most Maine households are income-eligible for the program. Limits vary depending on how many people live in your household and where you plan to buy your home. Most types of homes qualify for a First Home mortgage, including: * New and existing single family homes. * Owner-occupied, 2- to 4-unit apartment buildings. * Condominiums. * Permanently attached mobile homes built within the last 20 years. (Mobile home must be located on owned or leased land.) _Home purchase price limits_ (http://www.mainehousing.org/HOMEBUYERPurchasePriceLimits.html) apply, but vary by location and are seldom a limiting factor. How Do I Apply? Apply for a MaineHousing First Home loan at one of our more than 30 _Participating Lenders_ (http://www.mainehousing.org/HOMEBUYERLenders.aspx) . For more information see related information at the top right of the page, download our _First Home brochure_ (http://www.mainehousing.org/Documents/Brochures/Brochure-FirstHome.pdf) , or contact: Homeownership Department _Email Us_ (mailto:myfirsthome at mainehousing.org) (207) 626-4663 **************Stay in touch with ALL of your friends: update your AIM, Bebo, Facebook, and MySpace pages with just one click. The NEW AOL.com. (http://www.aol.com/?optin=new-dp&icid=aolcom40vanity&ncid=emlcntaolcom00000012) -------------- next part -------------- An HTML attachment was scrubbed... URL: From Mlongreene2 at aol.com Wed Dec 10 10:56:15 2008 From: Mlongreene2 at aol.com (Mlongreene2 at aol.com) Date: Wed, 10 Dec 2008 10:56:15 EST Subject: [Year-Round Housing] December YRHC meeting? and Updates and Storm Windows Message-ID: Year Round Housing Corporation Town of Long Island Wharf Street - Box 263 Long Island, Maine 04050 Mark Greene, Trustee, President Leah Doughty, Secretary Tammy Hohn, Trustee, Vice-President Stephen Train, Treasurer Amy Tierney, Trustee Ruth Peterson, Registered Agent Sandra Scheurman, Trustee Newell Stewart, Selectman Trustee December 10, 2008 Subject: Next YRH Committee Meeting? Hi All, Thought I would show off the new letterhead with the YRHCorp new Trustees and Officers. Hope it is all accurate. I have scheduled a regular YRH Committee meeting for Tuesday, Dec. 16, but as I began to put together the agenda, I am not sure we need to meet in person to cover what is going on. Please let me know if a meeting is in order as I do have the library and calendar set for it if desired by you. Otherwise, we will schedule our next YRHC meeting for Tuesday, January 20. Let me give a summary of the many things in motion at this time. 1. Ownership of the remaining lots on Garfield St. and Leavitt St. are now complete and in Town hands. 2. Survey work of all lots: Cushing and Fowler; Garfield, Leavitt, and 811 near the East End School house is complete. 3. I met with our lawyer in Town yesterday and gave her all of the surveys and descriptions needed to make and record proper deeds for all of the five properties. That should be done within the week. 4. Genesis has given me permission (and funding) to get septic and site plans done for all five lots! Al Frick Associates will be here all day next Tuesday (weather permitting) to do the ground work on that. 5. I have been in contact with Maine State Housing Director Dale McCormick about getting our Lease/Homestead Program certified for the First Home Loan Program and other MaineHousing benefits. She is most receptive and is hosting a meeting with MaineHousing, Camden National Bank, and myself in the near future. I am just awaiting word from a Mr. Tyler Gilday as to what will work for him (he is away until Dec. 15). I met him recently and he sees no big issue with our program being eligible for Camden loans. 6. YRHASC meeting last month went well and I am hopeful that things will continue to progress at next weeks meeting. (Wed). The group is close to finishing and covering much productive ground. 7. The new Working Waterfront had an interesting article about “ Chebeague residents install storm windows for neighbors” I got two sets of plans (one more detailed than the other, but both good) for these inexpensive interior windows that may be useful in many of your homes. I am going to try some at my house ASAP. Let me know if any of you try them out. They are attached to this e-mail 8. I got word this morning that there are several showings of the former Woodman house going on. I think we need to get YRHCorp more ready to jump on this type of thing in the future. 501c3 status, as noted at the YRHCorp Annual meeting is months and months away as IRS is backloged 6 months on this stuff. I cannot do anything to speed it up. 9. We do need to elect officers for the YRHC, but that can also wait until the January meeting. We need a Chairman, Vice Chairman, and Secretary. I will be glad to run or not run for Chairman, especially if someone is hot to trot for the position. I will only run for Chairman if the Vice Chairman agrees to step up and run for Chairman next year. I have no plans to be any less active in any of this, but feel it is important that the YRHC and YRHCorp be running with a variety of folks interested and able to carry it forward. The participation over the last few years in all of this from all of you has been GREAT!! 10. Let me know of anything else we need to share for info or if you want a live meeting this month. Thanks, Mark **************One site keeps you connected to all your email: AOL Mail, Gmail, and Yahoo Mail. The NEW AOL.com.(http://www.aol.com/?optin=new-dp&icid=aolcom40vanity&ncid=emlcntaolcom00000019) -------------- next part -------------- An HTML attachment was scrubbed... URL: -------------- next part -------------- A non-text attachment was scrubbed... Name: Dec. 08 YRHC Notes.doc Type: application/octet-stream Size: 25600 bytes Desc: not available URL: -------------- next part -------------- A non-text attachment was scrubbed... Name: STORM WINDOW PLANS - CHEBEAGUE.doc Type: application/octet-stream Size: 42496 bytes Desc: not available URL: From Mlongreene2 at aol.com Sun Dec 28 19:52:56 2008 From: Mlongreene2 at aol.com (Mlongreene2 at aol.com) Date: Sun, 28 Dec 2008 19:52:56 EST Subject: [Year-Round Housing] Fwd: NYTimes.com: No Furnaces but Heat Aplenty in 'Passive Houses' Message-ID: An interesting concept to consider, at least in part, as you plan your new homes! Mark ____________________________________ From: mlongreene2 at aol.com To: mlongreene2 at aol.com Sent: 12/28/2008 5:50:36 P.M. Eastern Standard Time Subj: NYTimes.com: No Furnaces but Heat Aplenty in 'Passive Houses' (http://www.nytimes.com/) (http://www.nytimes.com/adx/bin/adx_click.html?type=goto&page=www.nytimes.com/yr/mo/day/world/europe&pos=TopRight-EmailTh is&sn2=7b46aa30/84826a44&sn1=3a63eea2/70e96b77&camp=foxsearch2008_emailtools_8 10910b_nyt5&ad=wrestler_a_88x31_12-17&goto=http://www.foxsearchlight.com/thewr estler) This page was sent to you by: mlongreene2 at aol.com INTERNATIONAL / EUROPE | December 27, 2008 _The Energy Challenge: No Furnaces but Heat Aplenty in 'Passive Houses' _ (http://www.nytimes.com/2008/12/27/world/europe/27house.html?emc=eta1) By ELISABETH ROSENTHAL Innovative homes pioneered in Germany are encased in such an airtight shell that barely any heat escapes. 1. _The Energy Challenge: No Furnaces but Heat Aplenty in ‘Passive Houses’ _ (http://www.nytimes.com/2008/12/27/world/europe/27house.html?em&emc=eta1) 2. _The Reckoning: Saying Yes, WaMu Built Empire on Shaky Loans_ (http://www.nytimes.com/2008/12/28/business/28wamu.html?em&emc=eta1) 3. _Op-Ed Columnist: Win, Win, Win, Win, Win ..._ (http://www.nytimes.com/2008/12/28/opinion/28friedman.html?em&emc=eta1) 4. _Italian Makers of Prosecco Seek Recognition_ (http://www.nytimes.com/2008/12/28/business/worldbusiness/28prosecco.html?em&emc=eta1) 5. _Divine Recruits: Serving U.S. Parishes, Fathers Without Borders_ (http://www.nytimes.com/2008/12/28/us/28priest.html?em&emc=eta1) » _Go to Complete List_ (http://www.nytimes.com/gst/mostemailed.html?type=1) Advertisement Slumdog Millionaire From visionary Director Danny Boyle, nominated for 4 Golden Globe Awards, including Best Picture-Drama. Now Playing in select theatres. _Click here to view trailer_ (http://www.nytimes.com/adx/bin/adx_click.html?type=goto&page=www.nytimes.com/yr/mo/day/world/europe&pos=Center1&sn2=439fd206/ fa3cc088&sn1=2cd4191/6e326806&camp=foxsearch2008_emailtools_810910g-nyt5&ad=sl umdog_g_120x60_11-12&goto=http://www.foxsearchlight.com/slumdogmillionaire/) (http://www.nytimes.com/adx/bin/adx_click.html?type=goto&page=www.nytimes.com/yr/mo/day/world/europe&pos=Center1&sn2=439fd206/fa3cc088&sn1=2cd4191/6e3268 06&camp=foxsearch2008_emailtools_810910g-nyt5&ad=slumdog_g_120x60_11-12&goto=h ttp://www.foxsearchlight.com/slumdogmillionaire/) _Copyright 2008 _ (http://www.nytimes.com/ref/membercenter/help/copyright.html) _The New York Times Company_ (http://www.nytco.com/) | _Privacy Policy_ (http://www.nytimes.com/ref/membercenter/help/privacy.html) **************Don't be the last to know - click here for the latest news that will have people talking. (http://www.aol.com/?ncid=emlcntaolcom00000021) -------------- next part -------------- An HTML attachment was scrubbed... URL: From Mlongreene2 at aol.com Mon Dec 29 11:47:09 2008 From: Mlongreene2 at aol.com (Mlongreene2 at aol.com) Date: Mon, 29 Dec 2008 11:47:09 EST Subject: [Year-Round Housing] Foreclosed house is now $119K Message-ID: The former Watters house at the East End is down to 119K. MG **************Don't be the last to know - click here for the latest news that will have people talking. (http://www.aol.com/?ncid=emlcntaolcom00000021) -------------- next part -------------- An HTML attachment was scrubbed... URL: