Jean Ballard

Dec 1, 2023 | scotsmanguide.com | Jean Ballard |Kathryn Williams

Housing counselors are trained, independent professionals who listen, offer advice and help people make informed decisions about the home purchase process based on an individual’s financial situation and needs. Counselors provide information and tools to consumers involved in homeownership or renting.

Nov 1, 2023 | scotsmanguide.com | Jean Ballard |Kathryn Williams

The affordable housing market encompasses a variety of mortgage programs that focus on assisting low- and moderate-income borrowers in realizing the dream of homeownership. Affordable housing programs target borrowers with incomes on the lower spectrum of their area’s median income — a barometer for income based on the property location. An affordable program typically has household income requirements based on the median income for the property address, which vary by program.

Feb 11, 2023 | screenrant.com | Jean Ballard

The Legend of Zelda: Breath of the Wild has many incredible characters, with these 10 NPCs earning an especially close place in players' hearts. The Legend of Zelda: Breath of the Wild introduces and sees the return of many beloved NPCs, with some earning a place closer to players' hearts than others. When one thinks of The Legend of Zelda, the titular Zelda, along with Link and Ganon, are the first characters that come to mind.