Heartbroken 15 years old backyard dog surrendered and lined up to go to the euth room

A step by step guide
It is not very difficult to get a Mortgage if you are self-employed. However, a popular misconception that self-employed applicants have is that they will be unable to get a mortgage or that they are only eligible for a subprime mortgage. It is true that the self-certification mortgages are no longer on the market but for self-employed people, the mortgage market is as open to them as it is to anyone else.

Lenders are very open to self-employed applicants, and if you use a mortgage broker, you will obtain all the information and advice needed to help an independent applicant in the mortgage process.

I have listed out a step by step guide on the process to enable you to get the best mortgage for your particular needs.

Get your accounts in order
Most lenders are happy to give mortgages to self-employed people who have been trading for at least three years and have two years accounts or self-assessment tax returns available. However, if you are unable to get three years accounts you may still be able to get a mortgage.

Speak to an accountant
Lenders prefer borrowers to employ an accountant to prepare self-employed workers' accounts. Some lenders state the accountant must be certified or chartered - so bear this in mind when choosing one.

Make sure your credit is good
Make sure your credit is good and that you are permissible to be lent to. Determine how much you can afford and put your finances in place to allow you to get the maximum lend.

Understand your SA302
An SA302 or a self-assessment tax return is the equivalent of a P60 for an employed applicant. It provides the yearly income of the applicant. Since 2012, self-employed applicants are being asked for SA302's by nearly all Mortgage Lenders. SA302's provide lenders with a strong indicator of the affordability of a mortgage that is to be offered to the applicant or borrower. Speak to your accountant to obtain your SA302's.

Shop around for the best deal
Make sure you shop around and find the right area and property that you will be happy with. This is an important decision and will probably be the biggest investment you make. You will want to make sure you get the right home, as moving homes due to being unhappy with the property you have chosen can be an expensive process.

Find a good Mortgage broker
A Mortgage company should ensure that their clients should get the right mortgage product that suits their individual needs. Moreover, all of the mortgage broker agencies should work with a strict set of values which revolve around the policy of treating customers fairly.


This is what the shelter personnel said about Tyson. They are really pulling for him but need our help.

This is Tyson. Tyson's life has not been all we dream about for a dog. According to his owner, he lived his life as an outdoor dog. While that isn't horrible, he lived it tied with a rope to a tractor. this boy has never seen a vet, had never had a vaccine until he came into the shelter.

According to the owner, he is 15 years old. The shelter has aged him at 12...we just know he is an older fellow and needs some help.

The owner told us, before we saw the dog, that his insides were hanging out of his body. Once staff got a look at Tyson, it was found that he has a mass? growth? next to his anus. I spent a little time in his kennel with him. He is grateful for all the love he is getting. The plan is a vet visit on Monday morning and see what can and needs to be done for him. We need somewhere for this ole fella to go. The thought of him not making out of the shelter is not anything I can wrap my head around.

Intake: 10-24-18
12 yrs. old.
52 lbs.
Owner Surrender/no proof.

Owner said that Tyson has never seen a vet or had any vaccines. He is very sweet, was an outside dog.
He has a growth near his anus and needs medical.
Tyson is a very sweet boy.

Located at Granville County Animal Shelter
5650 Cornwall Rd.
Oxford, NC

STATUS : - read comment for update from crossposter
Buying a home will be, for most people, the biggest financial investment of one's life. Being that 99% of us cannot afford to buy a home outright, we will need to take out a home mortgage loan from a bank or other financial lending institution. There are many mortgage options out there and an inexperienced home buyer can feel quickly overwhelmed when looking at hundreds of thousands of dollars and decades-long commitments. This article should serve as a simplified guide to the different types of home mortgage loans in order to educate the home buyer.

Some of the various kinds of mortgages include Fixed Rate Mortgages, Adjustable Rate Mortgages, Government-Insured Loans, Conventional Mortgage Loans.

Fixed Rate Mortgages carry the exact same interest rate for the entire lifespan of the loan. This means that your monthly payment to the bank will be the exact same every month, year after year. These types of loans are often packaged as 15 year or 30-year loans. A 15-year package will naturally have higher monthly payments than a 30-year package because it must be paid off in less time.

Adjustable Rate Mortgages, or ARM's, are loans whose interest rate is in flux according to the market. Some ARM's remained fixed for a certain number of years and then switch to an adjustable rate, while some ARM's carry an adjustable rate for the initial years and then remain fixed. These are Hybrid ARM's. An example of a Hybrid would be a 5/1 ARM loan where there is a fixed rate for the first five years, after which that rate will adjust every year to the market.

A conventional loan just means that it is not backed by the government. A Government-Insured loan is a loan that is backed by the government, ensuring the lender from borrower default. There are a few different kinds of Government-Insured Loans; VA loans, FHA loans, USDA/RHS loans.

A VA loan is a loan that is offered by the U.S. Department of Veterans Affairs. A Va loan is offered to former or current military service members and their families. A great advantage of this type of loan is that a borrower can receive 100% of the loan upfront, meaning no down payment.

An FHA loan is a loan given by the Federal Housing Administration and managed by the Department of Housing and Urban Development (HUD). This type of loan allows you to pay a very low down payment, as low as 3.5% of the total loan, unfortunately, this means you have to pay more in monthly payments.

5 Responses to "Heartbroken 15 years old backyard dog surrendered and lined up to go to the euth room"

  1. I have a foster that wants to take in a hospice for the holidays. She has adopted from me twice. I will work on getting this baby out tomorrow.

    1. Thank God! I've been crying over Tyson and praying someone would take him in.

    2. Praying that it works out. Blessings.

  2. If nobody comes thru for Tyson & someone can get him to me in Littleton North Carolina I will gladly give him a home & any follow up care needed once he's here with my vet Dr Amie O'Malley with Warrenton Animal Clinic in North Carolina I just don't have money to adopt as I won't have anymore cash till 1st of December but my vet will give any treatment needed on credit for me til the 1st of every mth she doesn't for my !10yr old Lab, she would love another senior to hang out with, she's utd on all shots & spayed

    1. Operation Save A Shelter Dog rescued him on Sunday.


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