This months featured subdivision (SPRINGFIELD ESTATES)

Springfield Estates subdivision is located in Hampton Georgia. The homes are exquisitely crafted and most upgrades are included as a standard feature. The home prices start in the $170's a great deal and as an added bonus the smallest plan still features a 4bedrm. There are an array of  plans to choose from every buyer will find one that they love.

The Donavan - 4bed /2.5 bath, centrally located kitchen with access to a breakfast room
The Richmond - 4bed /3 bath, guest bedroom on main level & upstairs loft
The Concord - 4bed /3.5 bath, a master suite on the main floor
The Jefferson - 4bed /3 bath, huge owners suite and sitting area

The Oakwood - 5bed /4 bath, spacious kitchen opening to breakfast rm and family rm w/fp
The Rosewood - 5bed /4 bath, kitchen with adjoining breakfast rm that leads to sunken fm rm
The Northpoint - 5bed /4.5 bath, spacious kitchen, private owners bath with walk-in closet
The Northview - 5bed / 4.5 bath, kitchen overlooks keeping rm and breakfast area
The Waverly - 4bed /4 bath  dining rm with separate serving rm has a 5th bedroom option

All of the home plans are two-stories and a few of the plans accommodate those that prefer to have a master or bedroom on the main.

Some of the custom interior features include..
*stainless steel appliances
*coffered ceiling in dining rm*
*crafted cabinetry  with  42" wall cabinets and crown
*vaulted or trey ceilings in secondary bedrooms
*staircase with stained oak handrail & iron balusters
*cultural marble tops in all bathrooms
*hardwood foyer


lets not forget to mention the exterior features..
*4 sided brick
*hardi siding
*steel reinforced poured concrete foundations
*architectural shingles
*concrete patio
*arched single glass front entry door

If you would like to know more about this subdivision or would like to visit the sales center give me a call to set up an appointment.
I have had the pleasure of meeting one of the sales consultants Mrs. Gibson and not only was she welcoming but extremely knowledgeable about all of the homes features that unfortunately could not be mentioned here. There are flyers on site that you can take with you that will give you all the highlights of each plan and what this wonderful community has to offer.

January 2012 Belpointe Real Estate with a guest speaker from nbsp;& Merrill Lynch will be holding a free seminar in the Springfield subdivision on (HOW TO GET 100% FINANCING IN THIS MARKET) after the seminar we will feature a tour of this great subdivision. Give me a call to reserve a seat.

Morrishia Dooley
Belpointe Real Estate Company
678-886-8353
678-405-2793- Fax
dooleymorr26@yahoo.com
www.belpointerealestate.com

READY TO PURCHASE A HOME? HERE'S WHAT YOU NEED FOR THE LOAN

The loan process can be a monstrous experience for most first time buyers. Many lenders have different pre-qualification standards and a seemingly endless process to take you through.  However, with a little credit knowledge and preparation before you speak with a lender buying your first home can be a breeze.

Here are the basics most lenders will ask for on your initial meeting.

  * Most recent 30 days worth of pay stubs, 
  * Last 2 years of w2 or tax returns for the self employed
  * 2 months of bank statements of all your accounts
  * Copy of your social security card and drivers license 
  * Name and contact information for your landlord or leasing center
  * Your debts and assets

This information aids the lender in knowing your maximum purchase price, your debt to income ratio and if you are able to purchase a home at this time. If you are unable to purchase at this time they are able to assist you by giving tips and pointers on what you need to do now to buy in the near future.

A few tips about your credit -
* Even if you have paid an account in full it is not removed from your payment history.
Collections accounts can remain on your account for 7 years from the date of the accounts last activity.
Credit accounts paid as agreed by you can remain on your history for up to ten years. For those accounts you have defaulted on they may be seen for as long as 7 years.
Courthouse Records vary in the amount of time according to the account. Judgements with the exception of a few are 7 years form the date filed.  Bankruptcy chapter 13 can remain 10 years from the date filed whether the are non-discharged or non-dismissed.  Chapter 7 and 11 may remain 10 years after the date filed.
Tax liens that are paid remain for up to 7 years and unpaid tax liens are indefinite

One of the most important things you can do is safe guard your credit. Pull your credit history once a year to make sure it is in good standing. Georgia residents are allowed one free report each year by going online to one of the credit bureaus and answering a few personal questions. Or you can have your credit report mailed to you.

You can order your annual credit report at www.annualcreditreport.com
or call


Equifax:1-800-685-1111; equifax.com 
Experian: 1-888-397-3742; experian.com
Trans Union: 1-800-916-8800; transunion.com



If  you would like to know more about the loan process and would like to speak with a licensed lender about what you need to do to get started give me a call and I will be more than happy to help you find one.
As always call to sign up for our newsletters helpful tips and great information and the best part is it's free.

Morrishia Dooley
Belpointe Real Estate Company
678-886-8353
dooleymorr26@yahoo.com
www.belpointerealestate.com

HOLIDAY SPARKLE WITHOUT BREAKING THE BANK

The holidays are fast approaching accompanied by good food and guest. How do you get your home ready for the holiday season without going broke. Instead of breaking open your piggy bank and retrieving the sock under your mattress try these tips instead.

clean clean clean, cleaning your home is one of the most effective ways of enhancing its beauty. Focus on the areas that will give the homes appearance an immediate boost such as...

*Wiping down all walls and baseboards, pay close attention to light fixtures and the area next to the door handles. This is where most fingerprints and grime is found.
*Scrub all corners of the home where dirt can easily build up
*Dust your home and knock down all cobwebs
*Wipe down all blinds and wash the curtains.
*Clean all windows
*Polish those hardwoods until they shine
*Don't forget to pay special attention to those bathrooms

Another way to showcase your home is to declutter. Excess clutter makes the home look small and uncomfortable.

*Donate all those old magazines to a school or community center.
*Clothes that no longer fit can be donated to a local shelter or church.
*Furniture that is worn out toss it, it only aids in making the home look untidy.








Add a few touches

*Nothing adds decor like a few fresh flowers around the home. Sunny Daisies, beautiful red roses and pink carnations demand to be noticed in a positive way.
*Slip covers on the couches is an inexpensive way to change the entire look of the room
*Throw rugs give an added bit of character

with these small changes and tips your home will be a holiday beauty!

Morrishia Dooley
Belpointe Real Estate Company
678-886-8353
dooleymorr26@yahoo.com
www.belpointerealestate@yahoo.com

BELTLINE AFFORDABLE HOUSING DOWN PAYMENT ASSISTANCE PROGRAM

If  your a resident of Georgia by now you have heard about the Beltline. The BeltLine is a former railway corridor that circles Atlanta. Transit, parks, walking & bike trails will make-up the Beltline. The project will connect 45 different neighborhoods, redefining the meaning of historic preservation and a more effective way of utilizing green space.
To make housing more affordable the Beltline Affordable Housing Trust Fund was created to assist homebuyers with down payment assistance.  The programs allows buyers to receive up to 30% of the sales price at a zero percent interest rate as a soft second.  What is a soft second? A soft second mortgage is a second mortgage with subsidized affordable rates, which is usually combined with a traditional first mortgage. To be eligible for the soft second mortgage the first mortgage must be a conventional, FHA or VA 30-year fixed.
                                                                                                                          Map of the Beltline
Below are the program highlights

The first time homebuyer requirement is waived for borrowers moving into a target area within the incorporated city limits of Atlanta.
The current residence must be sold prior to closing on the new home.
Borrowers moving into a non-target area must be first time homebuyers.
Maximum purchase price cannot exceed $252,890.
The property must be owner occupied.
Single-family detached homes, Townhomes and condo are the eligible properties to receive program benefits.
The deferred loan requires no payments and is forgiven if borrower occupies the property for at least 15 years.
Loan proceeds may not be used to pay-off other loans, advances or consumer debts.
A $1000.00 administration fee is charged to the borrower at the closing.
Buyers must attend an ADA -approved homebuying seminar.

Maximum limits for 2011 are as followed

Households of 1 to 2 people- $68,300
3 or more - $78,545

Mortgage assistant amounts-

City of Atlanta, Fulton County, APS Employees-  30% of the Purchase Price up to $50,000
Current City of Atlanta Beltline Overlay Residents- 30% of the Purchase Price up to $50,000
Eligible Homebuyers- 20% of the Purchase Price up to $50,000

If you would like to know more about this program or would like to be signed up for an ADA seminar give me a call. Don't forget to visit the website at www.belpointerealestate.com for helpful tips and other valuable information. Also email or call me to sign up for our monthly newsletter get informed with today's trends in real estate is free and very informative. Knowledge is power!

REAL ESTATE COMPANY
Morrishia Dooley
direct-678-886-8353
office-678-365-3153
email-dooleymorr26@yahoo.com

Raising your credit score

As you have heard over and over again it is a great time to buy a home. Interest rates are at historical lows and properties that were in a higher price range have now become more affordable. Although there is great opportunities for many renters to transition themselves into homeowners, many are not able to qualify for a loan due to poor credit. Here are a few tips that may help you on your path to home ownership

*Make your payments on time

Past payment history often tells lenders if you can be extended credit and are responsible enough to pay them back. Most late payments 30 days or more can show up on your credit report. These late payments on your credit report can stay on your report for seven years.

*If you have missed payments get current and try your best to stay current

*If you have credit cards keep the balance low when there is a high debt ratio it affects your credit score.

* Never close unused credit cards, this can have a reverse effect and drop your credit score rather than raise it.

* Re-establish challenged credit by opening up 1 or 2 new accounts and paying on each account responsibly.

*Avoid letting your accounts be turned over to a collection agency

*Try to avoid judgements being file against you,call the other party and try to reach an agreement on the amount your willing to pay to stop the judgement from being filed

* Frequent changes in residence and employment establish a pattern of instability. Find a residence and an employer and stay stable for at least 2 years. (some lenders require 3years )

* Work toward decreasing your debt one way to do this is to limit or cease impulse purchasing.  If it is not a necessity it can wait.

Remember if you are a resident of Georgia you are entitled to 1 free credit report each year. The request can be done online, by phone, or mailed. So monitor your credit

www.annualcreditreport.com

Repairing your credit is a slow process but diligence, good decisions, and being responsible are afew key factors that will get you in a higher fico score bracket.

Home warranty plans what you should look for

Home warranties can have a hefty upfront cost that can range from $340-$475 for basic coverage. A lot of consumers may argue that there to expensive and they don't really need them in most cases anyway.  Although it may be true that the upfront cost of a warranty can be steep the savings are usually seen on the back end. For example your at home it's the holiday weekend and your the host. Amid all the confusion of cleaning your home, buying groceries & making a huge dinner your dishwasher goes out. Even though you are already swamped preparing the house for your guest now your forced to make time to call 5 or 6 different repair companies to find out how much they will charge just to come out and look at the dishwasher & what the cost would be to fix it.

Now look at the same scenario but this time you have a Home Warranty. It would take about 5 min. to call your warranty company and set up a convenient time for them to come out. The service charge would more than likely be less than 100.00 dollars most start at just $55.00. 

With all the home warranty plans out there what should you look for?

Here are a few basic features that should be offered

*Electrical-electric wiring, circuit breakers, burglar alarms & fire alarms, exhaust fans, central vac systems 

  telephone wiring, garage door opener,ceiling fans    

plumbing- tank leaks, pipe leaks, sump pumps, Water heaters, toilets,drain line stoppages
Kitchen Appliances- range, refrigerator, dishwasher,instant hot water dispenser,trash compactor, garbage disposal, built-in microwave ovens
Heating system- duct work ,interior gas lines, thermostats, interior gas lines,multiple units,duct work,geothermal
Air conditioning- motor valves and coils, leaks in refrigerant lines, motor, belts and pulleys, fuses, breakers

Additional Coverage can also be purchased for an additional premium

There are exclusions for each plan out there so ask questions.
A few common exclusions are filtered water towers,humidifiers, coal or wood burning equipment,fuel or propane gas storage tanks,meter boxes,data wiring

 ** Remember to read the terms and conditions page.
There may be conditions on Condos and Multi family units that each option available must be purchased separately. For leased units coverage for a home may only be available to the lessee.

 If you plan to move before your warranty expires find out if it is transferable & if it will be a fee to transfer it. If trying to sell or rent your home that may be an added bonus of why the buyer or renter should consider your home above all the others.

Do your homework before choosing a plan. Find ways to tailor that plan to fit your needs. Above all else remember you are the consumer it's your business these companies are trying to capture. Use that to your full advantage. As always be savvy not sorry!

**A few home warranty companies to start with**
             America's 2-10 warranty -www.2-10agent.com
            Old republic home warranty plan-www.orhp.com 800-445-6999
            First American Home Buyers Protection Plan-1800-992-3400

For those reading my blog I want to extend a personal thank you. Mr. Patrick who ever you are I receive you wonderful comments and want to thank you for taking the time out to express yourself on my blog.



                           


                         

10 ways to save energy in your home!

These days we all are trying to cut back on our lavish expenses and find ways to save money. Your home can be one of the best ways to do that. I am not talking about the expensive ways such as putting a solar energy roof on the home or upgrading the ac unit. Although those are great ways to save money in the long run, there are a lot of inexpensive things you and your family can do to save money now and get immediate results. Here are a few from the experts at Pepco

Set your thermostat at 68 degrees F. during the day and 60 degrees F. at night. You can save 3 percent on your heating costs for every degree you reduce the temperature below 70 degrees F. for the entire heating season. Special Advice to Heat Pump Owners: Heat pumps need to stay at a constant setting, unless you have a programmable electronic heat pump thermostat with adaptive recovery. Check with your heating or air conditioning contractor to determine the type of thermostat you have.

Keep curtains open during the day and close them at night

 

Clean or replace the filter in your forced-air heating system each month. Foam filters can be rinsed with water, but be sure they are dry before replacing. Fiberglass filters need to be replaced periodically.

 

No matter what kind of central air conditioning system you have, clean the outside condenser coil once a year. To clean, turn off the unit and spray the coils with water at a low pressure. (High water pressure may bend the fins.) Try to spray from the top of the unit down and outward.

Turn off  lights when they are not in use

Test your windows and doors for air tightness. Add weather stripping and caulk where necessary. It's low cost and can save you 10 percent or more in annual energy costs.

Get in the habit of turning off the elements or surface units on your electric stove several minutes before completing the allotted cooking time. The heating element will stay hot long enough to finish the cooking without wasting electricity.

Scrape dishes and rinse with cold water from the faucet before loading them into the dishwasher. Avoid using the dishwasher's pre-rinse cycle.

 Regularly defrost manual-defrost refrigerators and freezers. Frost buildup increases the amount of energy needed to keep the refrigerator at its proper temperature. Never allow frost to build up more than one quarter of an inch.

Install an aerator in your kitchen sink faucet.

For more ways to save visit the Pepco website a www.pepco.com

Don't jump ship because your mortgage is underwater

Drive down any city block and you will see multiple vacant homes. Many are the result of foreclosures.

The owner could not pay the mortgage so the bank took the property back. Others have been completely abandoned. It is never the owners first choice to leave there home. A home that they have worked so hard to obtain and maintain.

 A home unlike so many other purchases we make is one that we expect to get a return on. We are okay with paying a little upfront because we know in a few years our home will be our road to financial stability. Owning a home use to mean you had leverage. You could borrow against your equity to start a business, send a child through college or enhance the quality of your life on your terms.

In recent years we have watched helplessly as our biggest asset has diminished in value. Due to the economy many homeowners are suffering job loss and are unable to pay there mortgages. The first sign of trouble is when a homeowner should contact there mortgage company. However, many homeowners wait until they are completely out of options before they call.

They try and sale the home above market price which is usually what they owe on the home. They reduce the price again and again until there only option to sale is by performing a short sale. They work through numerous short sales. Giving up every tidbit of information the bank request only to secure an offer that the bank rejects. Hence the reason for abandonment.

Once the homeowner has tried unsuccessfully everything in there power to save or sell the home it begins to be overwhelming. They have tried to work it out themselves they have reached out for help through short sales now what? Refinancing is out of the question because they owe more than the home is worth. Many homeowners pack there possessions and say "Let the bank do what they will with it". "I am done!"

Abandoning the home no matter how bleak the circumstances should never be an option.

Call your bank and ask about these programs

THE HARP PROGRAM-(Home Affordable Refinancing Program)This program allows qualified borrowers to refinance a loan that is from 105 percent to as high as 125 percent of a home's value.

requirements-

Your home cannot be in foreclosure.

You may not have made any late payments in the past 12 months

It must be a Fannie Mae or Freddie Mac loan

Your eligibility is also subject to your credit score, current lender guidelines & how your loan structure is currently

With the Harp Program to be eligible you must be proactive. At the first sign of trouble you must give your lender a call.

THE HAMP PROGRAM-(HOME AFFORDABLE MODIFICATION PROGRAM)

This is for homeowners that are underwater and have delinquent payments

requirements*

The mortgage must be owned by Fannie Mae or Freddie Mac or by others signed with the U.S Treasury

You must be in danger of foreclosure'

The government provides incentives for the lender to do these troubled loans. However they are not required to do them. It is at there own discretion to reject or accept these loans.

To find out more about these loans go to the making home affordable website at

www.makinghomeaffordable.gov/

Remember every solution may not be an easy one to find but giving up closes the door to finding one.

If you have any questions or need assistance contact me I am here to help

"Caveat Emptor" (Let The Buyer Beware)!

Caveat Emptor (let the buyer beware) "A warning that notifies a buyer that the goods he or she is buying are "as is," or subject to all defects.

Why is it that so many buyers by pass the home inspection one of the most important steps in the home buying process. While it is true getting a home inspection is not a mandatory step it is however a crucial one. Skipping this process can potentially put you in the hot seat with no recourse.

Buyers and sellers each have a duty in the home buying process. One of the duties of the seller is to notify the buyer of any serious defects. If the information being held by the seller would affect the buyers decision to purchase the property than the seller should inform the buyer.This allows the buyer to decide if he/she wants to move forward with the purchase of the home. The disclosures is similar to a history report for the home. If the seller has made any alterations structurally to the property, if there was past flooding, a new septic tank installed, then all of this information would be written in the disclosures and given to the buyer prior to the sale of the home. The buyers agent and the buyer would review the disclosures together and make a note of each area of concern.

(*Caveat Emptor)- These two Latin words sum up one of the duties of the buyer. The buyer should do everything in his/her power to make sure this is a good investment and not a money pit. The buyer is able to do this during the due diligence period in the contract. A reasonable due diligence period is anywhere from 7-14 days. In this time period the buyer is able to get an inspection (preferably by a licensed inspector). Have the inspector check every inch of the home from the attic to the crawl spaces. Check to make sure there was no past flooding and the basement doesn't show signs of excess moisture. A well versed inspector will already have a checklist that he/she uses. Do a Radon and mold test if that is a concern of yours. You can even have a survey performed to make sure the land being sold has no easements or encroachments. All of these test are at the buyers expense, however a little upfront cost may save you a lot on the back end. The great thing about the due diligence period is if you find something wrong with the home that is beyond repair or the seller is unwilling to fix the problem you are able to terminate the contract. As long as you are still within the due diligence period and adhering to the terms of the contract.You wouldn't buy a car without test driving it first right? Why would you gamble with one of the biggest most important assets you will ever own. Don't be Sorry be Savvy!!

If you have questions about the home inspection process Henerohe Home Inspections is a great company to talk to. To get there information give me a call or go to my website at http://www.garegallery.com/ 

Renting vs Buying...

Lately I have been receiving more and more calls where customers are asking is it better to rent or to buy. I am sure for some of you out there reading this you are saying what a crazy question "buy."  However before you can rate the question as elementary you have to put yourself in the place of that first time buyer.

Right now the economy is unstable. Many individuals feel that there jobs may be on the line and may be weeks away from getting a pink slip. They wonder where will I live if I lose my job. How will I pay my rent if I am unemployed? "There is no way I am buying a home right now". "I will continue to rent."

Other concerns first time buyers have are..
A mortgage will be to expensive and make my circumstances uncomfortable. 
Taxes and insurance how will I pay for that? Down payment and closing cost how can I afford to pay them?

While it is true you may not have to pay for taxes and insurance while renting, or pay closing or down payment cost. You are still paying just as much or more in expenses by renting but you are watching your money sink down into a bottomless pit. Each penny, nickel, dime, or dollar is one that you will spend and never recover.

Don't follow me look at it this way...
It's time to move, your landlord or leasing office requires you to pay a $50.00 application fee for each adult if not more. If you were applying for a home loan it would cost the most $10-$35 to pull your credit report.
*If your approved for the rental home or apartment the leasing agent or landlord will need a deposit, which is usually equal to the rent and then they will also require the first months rent payment. Lets just say for a 3bed /2bath in a nice neighborhood you would pay at least $850.00 to $1,000.00. A $1,000 deposit plus $1,000.00 for the rent is $2000.00 dollars just to move in. You will be moving into a rental that you won't receive tax credits on at the end of the year, you will never own and will never be able to borrow against.
If you were moving into your own home not only would you receive tax credits, each payment you make goes toward building the equity in your home. Taxes and insurance can be paid in your monthly payment not a separate payment which makes things easier for you. When you close on a home in many cases you are able to skip a month before you first payment is due. I'd like to see you do that with a rental.

There are also great programs where $100.00 is all you would pay as a down payment (HUD). Or you are allowed to receive a monetary gift from a family member to cover the down payment (FHA).
In this market you can buy a home and pay less than or equal to the amount you pay for a rental. The combination of very low interest rates and decreased sale prices on homes make this possible.
There is still the argument of what if I lose my job how will I pay my rent? If you lose your job how long will it take for the leasing office to evict you? Or will you your landlord be willing to work with you until you get on your feet? Do you see my point?
Whether your renting or a homeowner you have to pay to stay. However, as a homeowner you have options. One option being if you fall behind ask your bank about a loan modification. Where they can lower your monthly payments and put your lates on the back end of the mortgage. Most banks will work with you to help you keep your home. A leasing office or landlord may evict you and move on to the next renter. They may also slap you by reporting it to the credit bureau to make sure you never rent in this town again.

When you own your own home you can show your creative side by decorating without boundaries. Pink bedroom with light green shag carpet feels right to you, than do it. Your backyard is yours you don't have to share the cookout area with a thousand other people. No more listening to loud music all hours of the night.

Ultimately you have to do whats best for you. If after reading this renting is still where your heart is than do what makes you happy. However, my guess is that your mind is now whirling around the endless possibilities of being a homeowner. If you have additional questions please send them to me in the comment section because your question may help someone else. That is how we build strong communities by helping each other.

Teachers, Policeman, Firefighters, & EMT'S do you know about The good neighbor next door loan program?

The Good Neighbor Next Door Program is a program geared toward Public servants such as teachers, firefighters, Policeman, or EMT's which helps assist them in buying homes located in the community they work in. Public servants in these fields can receive 50% off  HUD's appraised value. These homes are located in different areas it is part of the HUD revitalization program. How do you know if your eligible? Below is the criteria taken directly from the HUD website....

You may participate in the Good Neighbor Next Door program as a law enforcement officer if you are employed full-time by a law enforcement agency of the federal government, a state, a unit of general local government, or an Indian tribal government; and, in carrying out such full-time employment, you are sworn to uphold, and make arrests for violations of, federal, state, tribal, county, township, or municipal laws.

**Teachers

You may participate in the Good Neighbor Next Door program as a Teacher if you are employed as a full-time teacher by a state-accredited public school or private school that provides direct services to students in grades pre-kindergarten through 12. In addition, the public or private school where you are employed as a teacher must serve students from the area where the home you are purchasing is located in the normal course of business.

*Firefighter/Emergency Medical Technicians

You may participate in the Good Neighbor Next Door program as a Firefighter/Emergency Medical Technician if you are employed full-time as a firefighter or emergency medical technician by a fire department or emergency medical services responder unit of the federal government, a state, unit of general local government, or an Indian tribal government serving the area where the home is located.

You are able to use any financing of your choice to obtain the home. Whether it is Conventional, VA, FHA choose the one that is right for you.  HUD requires buyers to sign a second mortgage or note for the difference. Before you rule this loan out understand the second mortgage or note lies dormant. This means no payments are made on it and interest does not accrue on the second mortgage or note. Once you sell the home HUD is given the discounted portion anything over that is yours.

FYI****

You must live in the home for a mandatory 36mo. Remember the purpose of this loan is to strengthen the communities. Therefore they want these individuals to live and work in those communities.

* This loan is only for owner occupants  1-4 family unit dwellings*

* You must still put down an earnest deposit of 1% of the purchase price but it cannot be less than $500.00.

if the offer is rejected you receive the earnest money deposit back if it is accepted it goes toward your closing credits

*There are penalties for buying through this program and not being an owner occupant for 3years.

*You can pair this loan program with the 203k rehab loan program talked about in a previous blog.

* One of the best perks is down payment on a HUD HOME is just 100.00.

If you are currently working in one of these fields and would like to know more about this program or know someone that may be eligible let me know. They do so much for our communities by putting there lives on the line to protect us, Educating our children, and safeguarding us against fires and other disasters it's time to give back..