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October
2018 Newsletter
Check
out what's new and exciting at Origin SC this month!
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Buying
Your Home,
the Origin Way
Meet the
Laura and Shaun Rosado! They recently purchased their first home
with the help of Origin SC! Now their dreams of
homeownership have come true! They are thoroughly enjoying all of
the perks of homeownership, and so is their fur baby!
This
could be YOU! Contact Origin SC today to
start making your dreams of homeownership a reality.
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Attend
an Origin SC Workshop
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Nov. 3 -
Intro to Homeownership - 10 AM-12 PM
Nov. 6 -
Credit Improvement - 6-8 PM
Nov. 8 -
Making Ends Meet - 6-8 PM
Nov. 15
- Intro to Homeownership - 6-8 PM
Nov. 17
- First Time Homebuyer - 9 AM-4 PM
*Please
note, there are no workshops held during the month of December*
More
dates, times, and locations available! To learn more or to
register, please visit our website!
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Domestic Violence Awareness
Month
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"I
am no longer a victim. I am a survivor."
October
is Domestic Violence Awareness Month. If you or someone you know
is experiencing domestic violence, please let Origin SC
help.
Call
843-735-7802 or visit our Family Violence Intervention
webpage to learn more about the services Origin SC has to
offer.
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The Last
First Time Homebuyer Workshop of 2018!!!
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Origin SC is hosting our homeownership workshop on November
17th. The workshop will be held at the Origin
SC office at 4925 Lacross Road, North Charleston, SC 29406.
The workshop is taught by HUD-certified housing and credit
counselors. The cost of the workshop is usually $49
per household.
For this month only, we are holding our First Time
Homebuyer Workshop for FREE!!!
This is
an all-day course from 9 a.m. to 4 p.m. All materials will be
included, plus breakfast and lunch. This course will cover
everything you need to know about becoming a first-time
homebuyer. This workshop meets the education requirement for
those seeking down payment assistance.
Topics
that will be covered in the First Time Homebuyer Workshop
include:
· Which
mortgage products are right for you;
· Current
market conditions;
· Buying
HUD-owned properties, foreclosures, and short sales;
· Home
warranties;
· Lending
options;
· Tax
credits;
· Fees,
credit scores, and budgeting;
· How much
home you can qualify for and afford;
· Getting
the most out of working with your realtor;
· And
more.
To register for FREE, use the Coupon Code:
"THANKFUL"
This is
the last First Time Homebuyer workshop of 2018!!! Reserve your
spot while you still can! Registration is required and space is
limited. For more information or to register for the workshop, please
visit www.originsc.org/classes/first-time-homebuyer-workshop/ or call
843.735-7802.
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Origin
SC's Debt Management Program
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Do you
find yourself overwhelmed with credit card debt? You're not
alone...
A client
came to Origin SC with over $60,000 in credit card debt
and was overwhelmed with making her minimum monthly payments
which totaled around $1900, which caused her budget to have a
$400 deficit monthly. Origin’s Debt Management Program
reduced her monthly payments and interest rates, saving her over
$400/month, 22 years of repayment, and $42,000 in interest fees!
She now has a balanced budget and will be debt free within just 5
years.
To learn
more about Origin SC's Debt Management Program, please
call 843-735-7884 or visit the program's webpage by clicking the
link below.
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A Story of Survival
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October is Breast Cancer Awareness Month. Read
this story to learn the importance of early detection and
regular exams from one of Origin SC's own, Laura Jeffers.
"I had my first and only screening in
2005.
Every year after that my doctor stayed on me to
have another, but, like most women, I just ignored
it.
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In 2012, my doctor made the appointment for me and
I decided it was best that I go and thank goodness I did.
As a result of my mammogram, the doctor found a small mass.
Even though self-checks are important, this one was undetectable by
touch so I believe mammogram screenings are more important than
anything. When it was found, I was only at a stage -0-,
which means the cancer had not spread outside of the cell
wall. I was not required to have chemo but did have a
lumpectomy (which left me somewhat disfigured), and I went
through 33 daily radiation treatments which
leave your skin burned and your body exhausted.
It has been six 1/2 years since my surgery, but,
as a result of the radiation, I still get easily fatigued and
was found to now have full blown osteoporosis leaving me
susceptible to fractures which I have to take medication for a
5 year time period. I was truly blessed to have caught it so
early. Early detection saved me from chemo and
hopefully the chance that it will return.
Had I waited just one more year, I could have been
at stage 2-3 and would have had chemo. If I had waited and the
cancer was discovered in the later stages, my chances of
recovery would have decreased and the possibility of it
returning would have increased.
Case in point:
My sister, who is 19 months younger than me, also
put off going in for her mammogram. Once I was diagnosed,
she decided it was best that she go. When she did, she
found out that she too had breast cancer and was already at
stage 2. She went through a double mastectomy, chemo,
and was put on a medication for five years (which gives her
serious side effects). Had she gone in just a year sooner, she
may have been lucky like I was. Thankfully, she is cancer free
today but her road has been and will be much more devastating
than mine.
I urge all women of [doctor-recommended] age, and
even younger folks with a family history, to have screenings
done on a regular basis. Visiting your doctor for a physical
exam is important, but as I mentioned, mine was only found by
the mammogram. Once you are diagnosed, your mind goes crazy and
you begin think of the worst case scenario. I had good doctors
and I did as a I was told by having ultrasounds, MRIs,
other procedures and sticking to my follow up care. I
have overcome cancer and can proudly say I am a survivor!
Should you become diagnosed, my best advice is do
as you are told, stay in touch with your doctors, and most
importantly keep your faith strong and you
will overcome and be a survivor too!"
-Laura
Jeffers, Origin SC Bankruptcy Counselor/Intake Coordinator
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Affordable
DIY Fall Crafts
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Looking
for a fun, affordable activity to do with your family on a fall
day? Why not make some festive fall crafts to decorate your home
with! Check out this article for some fabulous DIY fall crafts.
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So What's New with Credit Scores??
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So
what’s new with Credit Scores???
Soon you
will be able to apply for an Ultra FICO score. This is how it
works: you apply for credit with a lender the same way, but if
your credit should be rejected, you can ask for an
"Ultra-FICO" score. This grants permission to check
your savings, checking, and/or money market account. If you
manage these accounts well, having a average balance of at least
$400 per month and no overdrafts, you could get a bump up of
approximately 20 credit points.
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If you
are looking to improve your credit score check out the services
that Origin SC has to offer! We have free Credit
Improvement workshops as well as one-on-one credit coaching with
licensed credit coaches. Call 843-735-7802 or visit www.originsc.org
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[ORIGIN
SC]
[4925
Lacross Road, North Charleston SC, 29406] - [843-735-7802]
[www.originsc.org]
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