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	<title>Deborah Giles &#187; Uncategorized</title>
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	<link>http://deborahgiles.net</link>
	<description>Just another Real Estate IDX Sites weblog</description>
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		<title>Announcing Solarize SE, Phase II!</title>
		<link>http://deborahgiles.net/2010/03/11/announcing-solarize-se-phase-ii/</link>
		<comments>http://deborahgiles.net/2010/03/11/announcing-solarize-se-phase-ii/#comments</comments>
		<pubDate>Thu, 11 Mar 2010 11:38:55 +0000</pubDate>
		<dc:creator>Deborah</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://deborahgiles.net/?p=123</guid>
		<description><![CDATA[SE Portland has a program underway to solarize SE PDX.  Phase I is complete and my friend who participated said it was t]]></description>
			<content:encoded><![CDATA[<p><strong>SE Portland has a program underway to solarize SE PDX.  Phase I is complete and my friend who participated said it was the most rewarding experience she&#8217;s had in a while.  By pooling resources and purchasing solar PV panels in bulk, homeowners are able to lower the costs of materials and installation.<br />
Even if you don&#8217;t live in SE, please forward it on to everyone you know so that we can spread the word.<br />
Also, it may be worth checking in with Tim O&#8217;Neal at Southeast Uplift to see if other neighborhoods in the city are doing their own solarizing.<br />
My very best to you all,<br />
Deborah</strong></p>
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<div><span style="font-family: Helvetica;font-size: small"><em>Dear Friends and Neighbors,</em></span></div>
<div><span style="font-family: Helvetica;font-size: small">Thank you for signing up for Solarize SE.  If you&#8217;re reading this email, you are on the list!  In the first round of Solarize, your neighbors combined to build a 350kW clean energy powerplant  (equal to taking 650 cars off the road!) right here on the roofs of SE Portland.  Well, we&#8217;re doing it again and you can get involved!</span></div>
<div><span style="font-family: Helvetica;font-size: small"><strong>How it works:</strong></span></div>
<div><span style="font-family: Helvetica;font-size: small">- You and your neighbors all buy solar PV at once, allowing the contractor, Imagine Energy, to increase efficiency and buy the equipment at lower prices.  They pass those savings on to you for dramatically lower costs, especially after incentives.  The more people join in by the deadline, the lower the prices drop for all.</span></div>
<div><span style="font-family: Helvetica;font-size: small"><strong>What to do:</strong></span></div>
<div><span style="font-family: Helvetica;font-size: small">1) <span style="text-decoration: underline">Tell your friends:</span> Forward this email to your friends and tell them to sign up at <a href="http://www.solarizeseportland.org/" target="_blank"><span style="color: #0014ee"><span style="text-decoration: underline">www.solarizeSEportland.org</span></span></a> to get more information about upcoming trainings.  Again, the more that join in, the better the deal gets.</span></div>
<div><span style="font-family: Helvetica;font-size: small">2)<span style="text-decoration: underline"> Attend 2 training sessions (free): </span> We&#8217;ll teach you all about the how solar PV works, how the pricing and incentives impact things, and what the process will be like.  Meet other neighbors who already went solar in Phase I of Solarize Portland.  You must attend one Basics of Going Solar with Solarize SE, and one topical session of your choice.  You can do both of these in one day, or split them up at your convenience (see schedule below).  Already know all about Solarize?  We can tell you how to take a quiz and sign up for a site assessment immediately.</span></div>
<div><span style="font-family: Helvetica;font-size: small">3)<span style="text-decoration: underline"> Sign up for a site assessment: </span>Once you&#8217;ve been to the training and think Solarize is right for you, sign up to have IE solar experts come evaluate your home and tell you what your options are. </span></div>
<div><span style="font-family: Helvetica;font-size: small">4) <span style="text-decoration: underline">Go Solar PV!  &#8230;Or Not….</span>You&#8217;ll get a contract with a week of your site assessment. If solar PV wasn&#8217;t right for you, you can tap into community discounts on solar hot water or a Home Performance Energy Audit.</span></div>
<div><span style="font-family: Helvetica;font-size: small">Visit <a href="http://www.solarizeseportland.org/" target="_blank"><span style="color: #0014ee"><span style="text-decoration: underline">www.solarizeSEportland.org</span></span></a> for updates, and don&#8217;t forget to </span><span><span style="font-family: FuturaBT-Medium">Spread the word!</span></span><span style="font-family: Futura;font-size: small"> </span><span style="font-family: Helvetica;font-size: small"> </span></div>
<div><span style="font-family: Helvetica;font-size: small"><strong>-The Solarize Team: </strong></span></div>
<div><span style="font-family: Helvetica;font-size: small"><em>Imagine Energy and SE Uplift</em></span></div>
<div><span style="font-family: Helvetica;font-size: small"><span style="text-decoration: underline">Check out the amazing pricing….see attached.</span></span></div>
<div><span style="font-family: Helvetica;font-size: small"><span style="text-decoration: underline">Upcoming Workshop Schedule:</span></span></div>
<div><span style="font-family: Helvetica;font-size: small"><span style="text-decoration: underline">Tuesday, March 16</span></span><span style="font-family: Helvetica;font-size: xx-small"><sup>th</sup></span></div>
<div><span style="font-family: Helvetica;font-size: small">Old Laurelhurst Church</span></div>
<div><span style="font-family: Helvetica;font-size: small">3212 SE Ankeny St</span></div>
<div><span style="font-family: Helvetica;font-size: small">*5:30-6:30 – The Basics of going Solar with Solarize SE</span></div>
<div><span style="font-family: Helvetica;font-size: small">*7-8 – Technical nuts &amp; bolts…equipment, installation and how it all works</span></div>
<div><span style="font-family: Helvetica;font-size: small"><span style="text-decoration: underline">Saturday, March 20</span></span><span style="font-family: Helvetica;font-size: xx-small"><sup>th</sup></span></div>
<div><span style="font-family: Helvetica;font-size: small">East Portland Community Center</span></div>
<div><span style="font-family: Helvetica;font-size: small">740 SE 106 Ave.</span></div>
<div><span style="font-family: Helvetica;font-size: small">*11-12 &#8211; The Basics of going Solar with Solarize SE</span></div>
<div><span style="font-family: Helvetica;font-size: small">*12:30-1:30 &#8211; The bottom line…paying for solar with incentives, tax credits and financing</span></div>
<div><span style="font-family: Helvetica;font-size: small"><span style="text-decoration: underline">Tuesday, March 23</span></span><span style="font-family: Helvetica;font-size: xx-small"><sup>rd</sup></span></div>
<div><span style="font-family: Helvetica;font-size: small">Mt. Scott Community Center</span></div>
<div><span style="font-family: Helvetica;font-size: small">5530 SE 72</span><span style="font-family: Helvetica;font-size: xx-small"><sup>nd</sup></span><span style="font-family: Helvetica;font-size: small"> Avenue</span></div>
<div><span style="font-family: Helvetica;font-size: small">*5:30-6:30 The Basics of going Solar with Solarize SE</span></div>
<div><span style="font-family: Helvetica;font-size: small">* 7-8 -  Spinning the meter backward…net-metering with the utility and understanding your energy bill</span></div>
<div><span style="font-family: Helvetica;font-size: small"><span style="text-decoration: underline">Saturday, April 3</span></span><span style="font-family: Helvetica;font-size: xx-small"><sup>rd</sup></span></div>
<div><span style="font-family: Helvetica;font-size: small">St. David of Wales</span></div>
<div><span style="font-family: Helvetica;font-size: small">2800 SE Harrison St.</span></div>
<div><span style="font-family: Helvetica;font-size: small">*11-12 &#8211; The Basics of going Solar with Solarize SE</span></div>
<div><span style="font-family: Helvetica;font-size: small">*12:30-1:30 &#8211; Technical nuts &amp; bolts…equipment, installation and how it all works</span></div>
<div><span style="font-family: Helvetica;font-size: small"><span style="text-decoration: underline">Tuesday, April 6</span></span><span style="font-family: Helvetica;font-size: xx-small"><sup>th</sup></span></div>
<div><span style="font-family: Helvetica;font-size: small">Duniway Elementary School</span></div>
<div><span style="font-family: Helvetica;font-size: small">7700 Se Reed College Pl</span></div>
<div><span style="font-family: Helvetica;font-size: small">*5:30-6:30 &#8211; The Basics of going Solar with Solarize SE</span></div>
<div><span style="font-family: Helvetica;font-size: small">*7-8 &#8211; The bottom line…paying for solar with incentives, tax credits and financing</span></div>
<div><span style="font-family: Helvetica;font-size: small"><span style="text-decoration: underline">Saturday, April 24</span></span><span style="font-family: Helvetica;font-size: xx-small"><sup>th</sup></span></div>
<div><span style="font-family: Helvetica;font-size: small">Old Laurelhurst Church</span></div>
<div><span style="font-family: Helvetica;font-size: small">3212 SE Ankeny St</span></div>
<div><span style="font-family: Helvetica;font-size: small">*11-12 &#8211; The Basics of going Solar with Solarize SE</span></div>
<div><span style="font-family: Helvetica;font-size: small">*12:30-1:30 &#8211; Spinning the meter backward…net-metering with the utility and understanding your energy bill</span></div>
</div>
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<div><span style="font-family: Helvetica"><br />
</span></div>
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<div>
<div><span style="font-family: Futura">Tim O&#8217;Neal</span></div>
<div><span style="font-family: Futura">Sustainability Coordinator</span></div>
<div><span style="font-family: Futura">Southeast Uplift Neighborhood Coalition</span></div>
<div><span style="font-family: Futura">503.232.0010 x 313</span></div>
<div><span style="font-family: Futura"><a href="mailto:tim@southeastuplift.org" target="_blank">tim@southeastuplift.org</a></span></div>
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<div><span style="font-family: Futura;color: #ef2900;font-size: small"><em>Uplifting community </em>advocacy<em> since 1968.</em></span></div>
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		<item>
		<title>Rehab Financing Program</title>
		<link>http://deborahgiles.net/2009/05/29/rehab-financing-program/</link>
		<comments>http://deborahgiles.net/2009/05/29/rehab-financing-program/#comments</comments>
		<pubDate>Fri, 29 May 2009 21:59:27 +0000</pubDate>
		<dc:creator>Deborah</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://deborahgiles.net/?p=40</guid>
		<description><![CDATA[So you've found your dream house, but there's one small problem.  It could stand some sprucing up, but you don't have th]]></description>
			<content:encoded><![CDATA[<p>So you&#8217;ve found your dream house, but there&#8217;s one small problem.  It could stand some sprucing up, but you don&#8217;t have the cash to buy it <em>and</em> renovate it.  That&#8217;s where the FHA&#8217;s 203k financing program can help.  There is no doubt that as homeowners walk away from houses they can&#8217;t afford there will be a certain amount of deferred maintenance that new homeowners will face.  So the FHA is offering up to $35,000 to take care of those needed improvements whether it&#8217;s a home you want to purchase or a home you already own and plan to refinance.  Here are the basics:</p>
<ol>
<li>May be used for the purchase or refinance of one-to-four (single family) residences including HUD REO (means &#8220;real estate owned&#8221;) properties.</li>
<li>The loan can be an adjustable or fixed-rate mortgage.</li>
<li>The funds to purchase or refinance are combined (and pays off existing liens) with the funds needed to repair or rehabilitate the property. Repairs are completed after closing but you can&#8217;t do a &#8220;cash-out&#8221; refinance.</li>
<li>Instead of two separate closings for two loans, the rehab funds are lumped into a single escrow.</li>
<li>The money can be used to update a home, handle safety issues or pay for a big ticket item you need (like a new paint job or a roof).</li>
<li>Same rules apply in terms of appraisals, property values must be sufficient to make the loans and the buyer must have the means and credit eligibility to get the loans.</li>
<li>Sorry, but investors are not eligible (including REO sales).</li>
</ol>
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