About 'equity income'|Democrats Propose Income Equity Act to Republican Corporate Whores.

About 'equity income'|Democrats Propose Income Equity Act to Republican Corporate Whores.

Ｅａｒｌｉｅｒ               ｔｈｉｓ               ｍｏｎｔｈ,               ｄｕｒｉｎｇ               ｔｈｉｓ               ｔｉｍｅ               ａｓ               ｆｏｒｅｃｌｏｓｕｒｅ               ｒａｔｅｓ               ｃｏｎｔｉｎｕｅ               ｔｏ               ｒｉｓｅ,               Ｉｌｌｉｎｏｉｓ               Ｇｏｖ. Ｒｏｄ               Ｂｌａｇｏｊｅｖｉｃｈ,               ｉｎ               ａｎ               ｅｆｆｏｒｔ               ｔｏ               ｋｅｅｐ               ａｎｄ               ｓｕｓｔａｉｎ               ｈｏｍｅｏｗｎｅｒｓｈｉｐ,               ｅｘｐａｎｄｅｄ               ｔｈｅ               Ｉ-Ｌｏａｎ               Ｍｏｒｔｇａｇｅ               ｐｒｏｇｒａｍ               ｆｏｒ               ｆｉｒｓｔ               ｔｉｍｅ               ｈｏｍｅｂｕｙｅｒｓ. Ｔｈｅ               Ｉ-Ｌｏａｎ               ｉｓ               ａ               ｓｔａｔｅ               ｐｒｏｇｒａｍ               ｔｈａｔ               ｏｆｆｅｒｓ               ｍｏｄｅｒａｔｅ               ｔｏ               ｌｏｗ               ｉｎｃｏｍｅ               ｆａｍｉｌｉｅｓ               ｔｈｅ               ｏｐｐｏｒｔｕｎｉｔｙ               ｔｏ               ｒｅａｌｉｚｅ               ｔｈｅｉｒ               ｄｒｅａｍ               ｔｏ               ｐｕｒｃｈａｓｅ               ａ               ｈｏｍｅ. Ｔｈｏｕｓａｎｄｓ               ｏｆ               ｆａｍｉｌｉｅｓ               ｉｎ               Ｉｌｌｉｎｏｉｓ               ｈａｖｅ               ｂｅｅｎ               ａｂｌｅ               ｔｏ               ｐｕｒｃｈａｓｅ               ｔｈｅｉｒ               ｆｉｒｓｔ               ｈｏｍｅ               ｗｉｔｈ               ｔｈｉｓ               ｐｒｏｇｒａｍ,               ｗｈｉｃｈ               ｏｆｆｅｒｓ               ｆｉｘｅｄ               ｂｅｌｏｗ               ｍａｒｋｅｔ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ               ｗｈｉｃｈ               ｐｒｏｖｉｄｅｓ               ｔｈｅ               ｔｈｅｓｅ               ｈｏｍｅｏｗｎｅｒｓ               ｗｉｔｈ               ａ               "               ｌｏｃｋｅｄ               "               ａｎｄ               ａｆｆｏｒｄａｂｌｅ               ｍｏｒｔｇａｇｅ               ｐａｙｍｅｎｔ               ｗｈｉｌｅ               ｂｕｉｌｄｉｎｇ               ｅｑｕｉｔｙ               ｆｏｒ               ｔｈｅ               ｆｕｔｕｒｅ. Ｔｈｅ               Ｉ-Ｌｏａｎ               ｐｒｏｇｒａｍ               ｈａｓ               ｈｅｌｐｅｄ               ｍｏｒｅ               ｔｈａｎ               7874               ｆｉｒｓｔ               ｔｉｍｅ               ｈｏｍｅｂｕｙｅｒｓ               ｗｉｔｈ               ａ               ｔｏｔａｌ               ｏｆ               $795               ｍｉｌｌｉｏｎ               ｉｎ               ｆｉｎａｎｃｉｎｇ               ｓｉｎｃｅ               2003,               ａｎｄ               ｔｈｅ               Ｉｌｌｉｎｏｉｓ               Ｈｏｕｓｉｎｇ               Ｄｅｖｅｌｏｐｍｅｎｔ               Ａｕｔｈｏｒｉｔｙ               ｈａｓ               ｒａｉｓｅｄ               $15               ｍｉｌｌｉｏｎ               ｔｏ               ｓｕｐｐｏｒｔ               ｔｈｅ               Ｉ-Ｌｏａｎ               ｅｘｐａｎｓｉｏｎ.                Ｔｈｅ               Ｉｌｌｉｎｏｉｓ               Ｈｏｕｓｉｎｇ               Ｄｅｖｅｌｏｐｍｅｎｔ               Ａｕｔｈｏｒｉｔｙ               ｆｉｎａｎｃｅｓ               ｔｈｅ               ｃｒｅａｔｉｏｎ               ａｎｄ               ｔｈｅ               ｐｒｅｓｅｒｖａｔｉｏｎ               ｏｆ               ａｆｆｏｒｄａｂｌｅ               ｈｏｕｓｉｎｇ               ｔｈｒｏｕｇｈｏｕｔ               Ｉｌｌｉｎｏｉｓ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｉｎｃｒｅａｓｅ               ｔｈｅ               ｓｕｐｐｌｙ               ｏｆ               ｄｅｃｅｎｔ               ａｎｄ               ｓａｆｅ               ｈｏｍｅｓ               ｆｏｒ               ｐｅｏｐｌｅ               ｏｆ               ｌｏｗ               ｏｒ               ｍｏｄｅｒａｔｅ               ｍｅａｎｓ               ｔｏ               ｌｉｖｅ. Ｔｈｅ               ｄｅｐａｒｔｍｅｎｔ               ｉｓ               ｓｅｌｆ               ｓｕｐｐｏｒｔｅｄ               ｔｈｒｏｕｇｈ               ｓａｌｅｓ               ｏｆ               ｂｏｎｄｓ               ａｎｄ               ｉｎｖｅｓｔｍｅｎｔ               ｏｆ               ｓｔａｔｅ               ａｎｄ               ｆｅｄｅｒａｌ               ｒｅｓｏｕｒｃｅｓ. Ｉｔ               ｍａｎａｇｅｓ               ｔｈｅ               Ｉ-Ｌｏａｎ               Ｍｏｒｔｇａｇｅ               ｐｒｏｇｒａｍ               ｏｎ               ｂｅｈａｌｆ               ｏｆ               ｔｈｅ               ｓｔａｔｅ,               ｗｏｒｋｉｎｇ               ｗｉｔｈ               ｐａｒｔｉｃｉｐａｔｉｎｇ               ｌｅｎｄｅｒｓ               ｉｎ               Ｉｌｌｉｎｏｉｓ               ｗｈｏ               ｗｏｒｋ               ｗｉｔｈ               ｔｈｅ               ｈｏｍｅｂｕｙｅｒ               ｔｈｒｏｕｇｈ               ｔｈｅ               ａｐｐｌｉｃａｔｉｏｎ               ａｎｄ               ａｐｐｒｏｖａｌ               ｐｒｏｃｅｓｓ. . Ｔｈｅ               Ｉｌｌｉｎｏｉｓ               Ｈｏｕｓｉｎｇ               Ｄｅｐａｒｔｍｅｎｔ               Ａｕｔｈｏｒｉｔｙ               ｔｈｅｎ               ｐｕｒｃｈａｓｅｓ               ｔｈｅ               ｌｏａｎｓ               ｆｒｏｍ               ｔｈｅ               ｌｅｎｄｅｒ                Ｔｈｅ               Ｉ-Ｌｏａｎ               ｐｒｏｇｒａｍ               ｐｒｅｖｉｏｕｓｌｙ               ｏｎｌｙ               ｏｆｆｅｒｅｄ               ａ               30               ｙｅａｒ               ｆｉｘｅｄ               ｒａｔｅ               ｍｏｒｔｇａｇｅ,               ｎｏｗ               ｗｉｔｈ               ｔｈｅ               ｅｘｐａｎｓｉｏｎ,               ｂｏｒｒｏｗｅｒｓ               ｃａｎ               ｎｏｗ               ｃｈｏｏｓｅ               ａ               40               ｙｅａｒ               ｆｉｘｅｄ               ｒａｔｅ,               ｗｉｔｈ               ａ               ｓｌｉｇｈｔｌｙ               ｈｉｇｈｅｒ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ,               ｔｈｅ               ｐａｙｍｅｎｔｓ               ａｒｅ               ｓｐｒｅａｄ               ｏｕｔ               ｆｏｒ               ａ               ｌｏｎｇｅｒ               ｐｅｒｉｏｄ               ｏｆ               ｔｉｍｅ               ｔｈｅ               ｍｏｎｔｈｌｙ               ｐａｙｍｅｎｔｓ               ｗｉｌｌ               ｂｅ               ｌｏｗｅｒ. Ｔｈｉｓ               ｐｉｌｏｔ               ｐｒｏｇｒａｍ               ａｌｓｏ               ａｌｌｏｗｓ               ｃｏｎｓｕｍｅｒｓ               ｔｈｅ               ｏｐｐｏｒｔｕｎｉｔｙ               ｔｏ               ｃｏｎｓｉｄｅｒ               ｐｕｒｃｈａｓｉｎｇ               ａ               ｌａｒｇｅｒ               ｈｏｍｅ.                Ａｓ               ｈｏｍｅｏｗｎｅｒｓ               ｎａｔｉｏｎｗｉｄｅ               ａｒｅ               ｆａｃｉｎｇ               ｆｏｒｅｃｌｏｓｕｒｅ               ｎａｔｉｏｎｗｉｄｅ               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｃａｎ               ｎｏ               ｌｏｎｇｅｒ               ａｆｆｏｒｄ               ｔｈｅｉｒ               ｐａｙｍｅｎｔｓ               ｗｈｅｎ               ｔｈｅｉｒ               Ａｄｊｕｓｔａｂｌｅ               Ｒａｔｅ               Ｍｏｒｔｇａｇｅ               ｉｎｃｒｅａｓｅｓ,               ｔｈｅ               Ｉ               ｌｏａｎ               ｏｆｆｅｒｓ               30               ａｎｄ               40               ｙｅａｒ               ｆｉｘｅｄ               ｒａｔｅｓ               ｔｈａｔ               ａｒｅ               ｓｉｇｎｉｆｉｃａｎｔｌｙ               ｌｏｗｅｒ               ｔｈａｎ               ｔｈｅ               ｍａｒｋｅｔ               ｒａｔｅ. Ｆｏｒ               ｅｘａｍｐｌｅ               ｉｆ               ｔｈｅ               ｃｏｎｖｅｎｔｉｏｎａｌ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｂｅｉｎｇ               ｏｆｆｅｒｅｄ               ｉｓ               6ｙ.65               ｐｅｒｃｅｎｔ,               ｔｈｅ               Ｉ               ｌｏａｎ               30               ｙｅａｒ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｉｓ               ｏｆｆｅｒｅｄ               ａｔ               6.25               ｐｅｒｃｅｎｔ               ａｎｄ               ｔｈｅ               40               ｙｅａｒ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               6.50               ｐｅｒｃｅｎｔ. Ｔｈｅ               ｔｈｏｕｇｈｔ               ｏｆ               ｋｅｅｐｉｎｇ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｌｏｗｅｒ               ,               ａｌｌｏｗｓ               ｔｈｅ               ｈｏｍｅｂｕｙｅｒ               ｔｏ               ｅｉｔｈｅｒ               ｄｅｃｉｄｅ               ｔｏ               ｐｕｒｃｈａｓｅ               ａ               ｌａｒｇｅｒ               ｈｏｍｅ,               ｏｒ               ｓａｖｅ               ｆｏｒ               ｏｔｈｅｒ               ｎｅｅｄｓ.                Ｔｏ               ｑｕａｌｉｆｙ               ｆｏｒ               ａｎ               Ｉ-Ｌｏａｎ               Ｍｏｒｔｇａｇｅ               ｔｈｅ               Ｉｌｌｉｎｏｉｓ               ｈｏｍｅｂｕｙｅｒ               ｍｕｓｔ               ｍｅｅｔ               ｔｈｅ               ｆｏｌｌｏｗｉｎｇ               ｇｕｉｄｅｌｉｎｅｓ:                Ｂｅ               ａ               ｆｉｒｓｔ               ｔｉｍｅ               ｈｏｍｅｂｕｙｅｒ,               ｔｈｉｓ               ｉｎｃｌｕｄｅｓ               ａｎｙｏｎｅ               ｗｈｏ               ｈａｓ               ｎｏｔ               ｈａｄ               ｏｗｎｅｄ               ａ               ｈｏｍｅ               ｉｎ               ｔｈｅ               ｐａｓｔ               ｔｈｒｅｅ               ｙｅａｒｓ.                Ｐｕｒｃｈａｓｅ               ｔｈｅ               ｈｏｍｅ               ａｓ               ｔｈｅｉｒ               ｐｒｉｍａｒｙ               ｒｅｓｉｄｅｎｃｅ                Ｍｅｅｔ               ｉｎｃｏｍｅ               ａｎｄ               ｐｕｒｃｈａｓｅ               ｒｅｑｕｉｒｅｍｅｎｔｓ                Ｈａｖｅ               ａｔ               ｌｅａｓｔ               3%               ｄｏｗｎ               ｔｏｗａｒｄｓ               ｔｈｅ               ｐｕｒｃｈａｓｅ               ｐｒｉｃｅ                Ａｐｐｌｙ               ｗｉｔｈ               ａｎ               Ｉｌｌｉｎｏｉｓ               Ｈｏｕｓｉｎｇ               Ａｕｔｈｏｒｉｔｙ               Ｐａｒｔｉｃｉｐａｔｉｎｇ               Ｌｅｎｄｅｒ                Ｍｏｖｅ               ｉｎｔｏ               ｔｈｅ               ｈｏｍｅ               ｗｉｔｈｉｎ               60               ｄａｙｓ               ｏｆ               ｃｌｏｓｉｎｇ                Ｉｎ               ａｄｄｉｔｉｏｎ               ｔｏ               ｍｅｅｔｉｎｇ               ｔｈｅ               ｒｅｑｕｉｒｅｍｅｎｔｓ               ｔｈｅ               ｐｒｏｓｐｅｃｔｉｖｅ               ｈｏｍｅｏｗｎｅｒｓ               ａｒｅ               ｅｎｃｏｕｒａｇｅｄ               ｔｏ               ｃｏｍｐｌｅｔｅ               ａ               ｈｏｍｅｏｗｎｅｒｓｈｉｐ               ｅｄｕｃａｔｉｏｎ               ｃｏｕｒｓｅ,               ａｎｄ               ｔａｋｉｎｇ               ｉｎｔｏ               ｃｏｎｓｉｄｅｒａｔｉｏｎ               ｔｈａｔ               ｓａｖｉｎｇｓ               ｆｏｒ               ａ               ｄｏｗｎ               ｐａｙｍｅｎｔ               ｃａｎ               ｂｅ               ｄｉｆｆｉｃｕｌｔ               ｆｏｒ               ｍａｎｙ               ｌｏｗ               ｉｎｃｏｍｅ               ｒｅｓｉｄｅｎｔｓ               ｏｆ               Ｉｌｌｉｎｏｉｓ               ｔｈｅ               Ｉｌｌｉｎｏｉｓ               Ｈｏｕｓｉｎｇ               Ａｕｔｈｏｒｉｔｙ'ｓ               Ｈｏｕｓｉｎｇ               Ｔｒｕｓｔ               Ｆｕｎｄ               Ｐｒｏｇｒａｍ               ｏｆｆｅｒｓ               ｌｏｗ               ａｎｄ               ｖｅｒｙ               ｌｏｗ               ｉｎｃｏｍｅ               ｉｎｄｉｖｉｄｕａｌｓ               ｈｅｌｐ               ｗｉｔｈ               ｄｏｗｎ               ｐａｙｍｅｎｔｓ               ａｎｄ               ｃｌｏｓｉｎｇ               ｃｏｓｔｓ.                Ｈｏｍｅｂｕｙｅｒｓ               ｍａｙ               ｂｅ               ｅｌｉｇｉｂｌｅ               ｆｏｒ               ｌｏａｎｓ               ｆｏｒ               ｇｒａｎｔｓ               ｕｐ               $3000               ｏｒ               ｆｏｒ               ｖｅｒｙ               ｌｏｗ               ｉｎｃｏｍｅ               ｆａｍｉｌｉｅｓ               $5000               ｗｈｉｃｈ               ｔｈｅｙ               ｃａｎ               ｕｓｅ               ｔｏｗａｒｄｓ               ａ               ｄｏｗｎ               ｐａｙｍｅｎｔ               ｏｒ               ｃｌｏｓｉｎｇ               ｃｏｓｔｓ. Ａｌｌ               ｈｏｍｅｏｗｎｅｒｓ               ａｒｅ               ｒｅｑｕｉｒｅｄ               ｔｏ               ｐｒｏｖｉｄｅ               ａｎ               ｅｑｕｉｔｙ               ｃｏｎｔｒｉｂｕｔｉｏｎ               ｂａｓｅｄ               ｏｎ               ｈｏｗ               ｍｕｃｈ               ｔｈｅｙ               ｃａｎ               ａｆｆｏｒｄ,               ｗｉｔｈ               ａ               ｍｉｎｉｍｕｍ               ｏｆ               $500.00. Ｔｈｅｙ               ｍｕｓｔ               ａｌｓｏ               ｍｅｅｔ               ｃｅｒｔａｉｎ               ｐｕｒｃｈａｓｅ               ｐｒｉｃｅ               ｒｅｑｕｉｒｅｍｅｎｔｓ               ａｎｄ               ｉｎｃｏｍｅ               ｌｉｍｉｔｓ               ｄｅｔｅｒｍｉｎｅｄ               ｂｙ               ｆｅｄｅｒａｌ               ｇｏｖｅｒｎｍｅｎｔ               ａｎｄ               ａｒｅ               ｒｅｑｕｉｒｅｄ               ｔｏ               ａｔｔｅｎｄ               ａｎ               ａｐｐｒｏｖｅｄ               ｈｏｍｅｂｕｙｅｒ               ｃｏｕｎｓｅｌｉｎｇ               ｐｒｏｇｒａｍ.

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