(Print) Use this randomly generated list as your call list when playing the game. There is no need to say the BINGO column name. Place some kind of mark (like an X, a checkmark, a dot, tally mark, etc) on each cell as you announce it, to keep track. You can also cut out each item, place them in a bag and pull words from the bag.
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Closing costs will be charged for a refinance!
Sign of Financial Distress: Only able to make minimum payments
Appliances use different amounts of energy.
Financial Considerations: Contact a HUD approved Housing Counseling Agency
Financial Considerations: Protect equity
Protecting your home is more than just adding locks or smoke detectors
An energy efficient appliance may cost more upfront but operating cost is less.
Home Maintenance: Keep your home clean and in good repair
Your home is an investment in: The life and health of your community
Sign of Financial Distress: Unsure of who is owed and for how much
Sign of Financial Distress: Frequently borrow money
Heating or cooling your home typically takes up 56% of your utility bills
Your home is an investment in: Your financial future
Sign of Financial Distress: Using savings to meet current expenses
Financial Considerations: Save money for repairs
Financial Considerations: Know your loan
Financial Considerations: Adjust your budget
Financial Considerations: Beware of rescue scams and predatory lenders.
Save 1-3% of the home’s value per year for repairs and maintenance.
It may take up to a year to adjust to mortgage payments and the true costs of home ownership.
Safety repairs should come before aesthetic repairs or improvements
Sign of Financial Distress: Rely on Overtime
New homebuyers should not take on any new debt for at least one year after closing!
Financial Considerations: Save money for repairs
Compact Fluorescent Light Bulbs can save more than $40 in electricity costs over its lifetime
Utility companies may offer rebates to offset the cost of upgrading energy efficiency
There are other options besides foreclosure.
Get an Energy Audit: Test and evaluates the energy efficiency of the home
Rule of Thumb: A new interest rate should be 2% below the rate of current mortgage and you should plan to live there at least 3 more years.
Financial Considerations: Prioritize expenses
Refinancing can be beneficial if it will change your loan to a fixed rate
Do it yourself Energy Audit: www.hes.lbl.gov
Once or twice a year, walk through your house and check the condition of all its parts and structures.
A foreclosure prevention counselor will help evaluate your options.
Your home is an investment in: Shelter and protection for your family
ENERGY STAR qualified homes save 15-20% on utilities
Federal & State tax credits may also be available for energy efficiency www.dsireusa.org
Appliances with the energy star logo are considered more energy efficient than the average comparable model.
Compact Fluorescent Light Bulbs use 75 percent less energy than standard incandescent bulbs and last up to 10 times longer.
Refinancing can be beneficial if it will decrease your payment amount
Refinancing can be beneficial if it will decrease the total interest paid
Sign of Financial Distress: More than 20% of take-home pay is used for non-mortgage debt repayments
