welcome introductions nature expectations agenda timing home sweet home 2
TRANSCRIPT
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Welcome
Introductions Nature Expectations Agenda Timing
Home Sweet Home 2
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Objectives
Role of Relocation Program Role of Housing Programs Budgeting Research Neighborhood Rent vs. Buy Decision Making Rental Process Buying Process
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Relocation Programs and Services
Moving counseling and planning Moving information and referral Workshops and briefings Training sponsors Maintaining MilitaryINSTALLATIONS and
Plan My Move In and out processing briefings Loan closet
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MilitaryINSTALLATIONS
Individual Installation Files Articles on Housing
• Housing• Government Housing• Temporary Lodging
Additional Resources on Housing Demonstrate MilitaryINSTALLATIONS
• http://www.militaryinstallations.dod.mil
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MilitaryINSTALLATIONS
Demonstration of MilitaryINSTALLATIONS• http://www.militaryinstallations.dod.mil
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Plan My Move
Standard 90 day calendar Short 6 week calendar for first move 4 calendar views depending on departure and
destination locations Customizable
• Add, remove, modify tasks• Setup email reminders• Change length of calendar
Demonstration Plan My Move• http://www.militaryhomefront.dod.mil/moving
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Military OneSource
Relocation Essentials Library One on one financial counseling Demonstration of Military OneSource
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Government Housing Programs
Housing Office Housing Referral Office AHRN Housing Privatization Overseas Housing Furniture Program Demonstrate AHRN – http://www.ahrn.com Demonstrate Services Housing OneStop websites –
https:// onestop.army.mil Navy and Marine Corps –
http://www.housing.navy.mil/onestop/ Air Force – secure website
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Budgeting for Housing
Budget Elements Income Credit Rating Expenses Down payment Interest Rates Reimbursements Demo Ginnie Mae rent v. buy decision tool –
http://www.ginniemae.gov/rent_vs_buy/rent_vs_buy_calc.asp?Section=YPTH
Demo Ginnie Mae – how much house can you afford to buy – http://www.ginniemae.gov/2_prequal/intro_questions.asp?Section=YPTH
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Choosing a Neighborhood
Considerations• Location• Touring• Needs• Schools• Safety• Military Community
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Evaluating a Neighborhood
Traffic Children Word of mouth Interview neighbors Time of day Noise Visual aesthetics
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Renting – The Process
Determine needs• Community• Housing
Determine price range Conduct housing search Lease process Insurance Move out Renting a home
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Renting – The Process
Determine Community and Housing Needs• Rooms• Children• Pets• Parking• Style• Neighborhood• Commute
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Renting – The Process
Determine Price Range• 25% rule• Utilities• Insurance• Amenities• Deposit(s)
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Renting – The Process
Conduct Housing Search• Meet requirements• Investigate less obvious
- Maintenance- Insects- Security- Noise
Demo Apartment Hunting Worksheet
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Renting – The Process
Leasing• Legal document• Protects rights• Explains responsibilities• Illegal provisions
Application• Credit report• Application fee• References
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Renting – The Process
Lease Provisions• Description of property• Duration of lease• Military clause• Rent due• Deposits• Late charges• Maintenance responsibilities• Utilities included• Parking• Use of common property• Pet policies
Illegal Provisions
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Renting – The Process
Security deposits• Waiver programs• Purpose• Refund• Interest
Role of legal and housing office Handout Property Checklist
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Renting – The Process
Fair Housing Rights• Tenant entitlement• Landlord entitlement
Tenant – Landlord Relations
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Renting – The Process
Insurance• Your responsibility
- Personal property- Personal injury- Fire, theft- Apartment security
• Property responsibility- Property- Injury- Fire- Security
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Renting – The Process
Moving Out• Condition• Refunds• Disputes• Evictions
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Renting – The Process
House• Agreement v. Lease• Advantages
- Privacy- Space- Storage- Parking
• Disadvantages- Absentee landlord- Additional costs (utilities, yard)- No protection under Fair Housing Laws
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Buying – The Process
Role of real estate agent Buying a house Obtaining a mortgage
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Buying – The Process
Real Estate Agent• Use• Types• Brokers• Qualifications
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Buying – The Process
Home Economics Steps
• Organize• Watch• Negotiate• Elevate• Read
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Buying – The Process
Types of mortgages Questions for lenders Qualification process Loan application Closing
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Buying – The Process
Loan Closing• Rights• New laws• Consumer protections
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Questions
Review Expectations Follow up – Due Outs Review Resources
• Websites• Handouts
Evaluations
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Providing policy, tools, and resources to further enhance the quality of life of service members and their families.
Created for you by the Department of DefenseRelocation Assistance Program