A New Program To Assist First-Time Homebuyers
Studies show the dream of homeownership is becoming a reality for a growing number of Americans.
For example, according to the 2005 Harvard Joint Center for Housing Studies State of the Nation's Housing Report, minorities are making inroads into all housing market segments across the United States.
This trend is expected to continue with minorities making up a growing share of the homeowner population with each successive generation. The study reveals that nearly 35 percent of all first-time homebuyers are minorities and more than 40 percent of all renters are minorities-these could be or will be the homeowners of the future.
Companies in the housing and mortgage industries are taking notice of this trend and are making efforts to meet the needs of today's prospective homebuyers.
"Mortgage lenders need to have people who reflect the communities they serve located in the neighborhoods that we want to serve if we want to inspire people to become first-time homeowners," said Jackson Cosey, senior vice president of Emerging Markets for Wells Fargo Home Mortgage.
For instance, Wells Fargo recently introduced a program designed to help serve consumers with down payment difficulties or lack of traditional credit history by helping them qualify for loans they can afford.
Called the Home OpportunitiesSM program, it includes qualifying debt-to-income ratios that address the growing reality that homeowners need to spend a greater percentage of their income on housing.
Also, it provides for nontraditional credit references that enable consumers who do not have traditional or lengthy credit histories to qualify for the program. In addition, flexibility on down payments and closing costs allows customers to purchase a home without a down payment.
"Home-financing options such as this program will allow more people including first-time homebuyers and low- to moderate- income borrowers to do something they have only dreamed about: owning a home," added Cosey.
About Charlotte Katz Charlotte Katz is affliated with Charlotte Katz, Inc., REALTORS, which is located in Bonita Springs, FL. For further assistance please use the contact information located on the right.
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Local Information for Bonita Springs, FL
Latitude: 26.349654 -- Longitude: -81.790937
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ZIP Codes for Bonita Springs, Florida
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34133 
34134 
34135 
34136 
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Area Code for Bonita Springs, Florida
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239
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Time zone for Bonita Springs, Florida
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EST
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Other Area Cities:
Fort Myers Beach, FL
Bonita Springs, FL
Naples, FL
Naples Park, FL
Palm River Estates, FL
Golden Gate, FL
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Bonita Springs is located at 26°20'59?N, 81°47'27?W (26.349654, -81.790937).GR1
According to the United States Census Bureau, the city has a total area of 106.2 km² (41.0 mi²). 91.4 km² (35.3 mi²) of it is land and 14.8 km² (5.7 mi²) of it (13.95%) is water.
The city is located on both Estero Bay and the Gulf of Mexico. The area referred to as Bonita Beach is located on a road-accessible barrier island (Little Hickory Island) that lies between the Gulf of Mexico and Estero Bay. The Imperial River flows through the downtown district of the city and empties into Estero Bay.
-- Source: Wikipedia.com
Florida 2000 Census Population Profile Map
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Bonita Springs |
Florida |
United States |
|---|
| Population |
32,797 |
15,982,378 |
281,421,906 |
|---|
| Median age |
54.1 |
38.7 |
35.3 |
|---|
| Median age for Male |
52.4 |
37.3 |
34 |
|---|
| Median age for Female |
55.6 |
40.1 |
36.5 |
|---|
| Households |
14,807 |
6,337,929 |
105,480,101 |
|---|
| Household population |
32,720 |
15,593,433 |
273,643,273 |
|---|
| Average household size |
2.21 |
2.46 |
2.59 |
|---|
| Families |
10,276 |
4,210,760 |
71,787,347 |
|---|
| Average family size |
2.54 |
2.98 |
3.14 |
|---|
| Housing units |
23,329 |
7,302,947 |
115,904,641 |
|---|
| Occupied units |
14,807 |
6,337,929 |
105,480,101 |
|---|
| Vacant units |
8,522 |
965,018 |
10,424,540 |
|---|
Visit US Census
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Charlotte Katz
Charlotte Katz, Inc., REALTORS
24721 Lyonia Lane
Bonita Springs, FL 34134
VOICE: 239-495-9818
FAX: 239-495-7820
TOLL FREE: 800-551-3974
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