YOU ARE INVITED!
SpringfieldNHS has offered a wide variety of loan products to address the home financing needs of the community since 1978. Currently, the agency is focused on giving these same opportunities to just about anyone…anywhere in Massachusetts.
We provide a full spectrum of mortgage loan products to potential homebuyers as well as for existing homeowners which include: Conventional fixed-Rate and adjustable-rate mortgages,
FHA loans and MassHousing loans. These products permit a broad range of households access to homeownership with either large or low down payments. These lending opportunities also help provide financing for debt consolidations, vacations, home improvements or cash for other reasons. SNHS also makes specialized lending services available to potential and current homeowners who may not be able to obtain help elsewhere.
These services can be accessed online at www.springfieldnhs.org or by contacting Anderson Green in our office at (413) 739-4737. We are truly a “one-stop’” shopping center. So make no mistake, when it comes to Buying a Home…Keeping a Home…Building a neighborhood, look to SNHS.
Plans are underway for our 35th Anniversary Event. We look forward to seeing you there. Please check back here for more details.
It’s that time of year. It’s Christmas time. Time to put up decorations, trim the tree, have friends over and just celebrate the joy of the season. But while your celebrating make sure to be safe. This is also the time of year where if you’re not careful, that beautiful tree could cause disaster. So below are a few tips to be aware of and practice while decorating that tree and keeping your home fire free.
- Keep trees securely upright in a stand to ensure that it will not accidentally tip over or be knocked over by children, pets, or over-enthusiastic dancing adults.
- Keep your tree away from any and all heat sources. This includes electrical outlets, radiators, space heaters, and fireplaces.
- Make sure natural trees are well watered.
- If you have purchased an artificial tree, please make sure it is labeled “fire retardant”.
- Unplug the tree lights before leaving your home or before going to bed.
- Avoid using real candles on a tree, especially if it is not artificial. Real Christmas trees contain a lot of natural oils that are very flammable, especially if the tree is dry.
- Use a maximum of three strands of tree lights on a single extension cord.
- Dispose of your tree at an appropriate recycling center promptly after the holiday season. Your community may also offer pick-up services from your home—this is also a good option
- Unplug any lighting, indoor and out, before going to bed.
- Never leave any candles unattended. It only takes a moment to light and blowout a candle. It also only takes a moment for a spark from a candle to turn into a big fire.
- Avoid using live candles (candles with a flame) on windowsills and mantles.
- Do not let pets or children chew on strands of lights meant for the tree or home décor.
- Make sure the cords used for lights and other decorations are not frayed. If they are, it is time to get rid of them. It is easier to buy a new strand of lights than to try to restore your home after a fire.
- Do not run electrical wires under rugs.
- Make sure all candles are in sturdy holders that will not tip over and are placed away from furniture and other home accessories.
- Trim candle wicks to a ¼-inch in height
- Turn down the heat to 65 degrees F. at night and when you leave home. (However babies and elderly people need a higher room temperature than other people and a safer room temperature for this, 70 degrees F.
- Don’t block radiators or heating vents with furniture or draperies.
- Vacuum the dust from radiators, heat and air conditioning vents, and baseboard heaters because dust reduces their efficiency.
- Bleed air trapped in radiators to improve water circulation.
- When the heating season begins, close all storm windows and lock your inside sashes. If you open a bedroom window at night, close the door.
- Close your curtains at night to cut down heat loss.
- Close closet doors.
- Shut the fireplace damper so heat doesn’t go up the chimney.
- Cover through-the-wall air conditioners so cold air can’t leak into your home. Close central air conditioning vents.
- Have dripping faucets fixed.
- When shaving or washing up, fill the sink half-way instead of letting the water run.
- Turn off the water heater when you’re away from home for an extended time (such as a weekend trip or vacation).
- Take showers instead of baths.
- If you have a gas water heater, drain half a bucket of water from the faucet at the bottom of your water heater tank every two months to remove rust and sludge that can collect there.
- Set your water heater’s thermostat to 120 degrees F.
- Always put a full load of clothes in the washer.
- Presoak heavily soiled clothes to avoid having to rewash them, and use cold water, not hot.
- Remove clothes from the dryer when they’re slightly damp if you are going to iron immediately
- Keep the lint filter clean.
- Do two or more dryer loads in a row.
- Dry your clothes outdoors when possible.
Springfield Neighborhood Housing Service is pleased to announce it’s partnership with New England Farm Workers Council Fuel Assistance Program.
Residents in the Mason Square Area of Springfield, MA can now come to our office at 111 Wilbraham Road, Springfield MA Monday thru Friday between the hours of 8:30am and 4:30pm to pick up an intake form in order to set up an appointment for Fuel Assistance at the New England Farm Workers Council. The eligibility period is from November 1 thru April 30.
- All homeowners and renters who pay for their own heating costs
- All renters whose heat is included in their rent
- Renters in public and/or private subsidized housing who pay for their own heat and utilities and do not receive a heat/utility allowance
- SOME RENTERS in public and/or private subsidized housing who heat is included in their rent might be eligible depending on the type of housing subsidy and category of rent. Please call our office for additional information to see if you qualify.
- Proof of Identity
- Proof of Address
- Social Security numbers & birth dates for all household members
- Proof of Income for all household members
- Gas & Electric bills (and name of dealer if oil/kerosene/propane
- Renters should bring the tenant/landlord information sheet
- Renters receiving a subsidy must bring a copy of the recertification housing sheet or letter from the housing authority.
- Wages (4 most recent pay stubs)
- Welfare, Social Security, SSI, VA, Workers’ Comp, Pensions (copy of most recent check/stub)
- Unemployment (copy of DUA claim record)
- Alimony/Child Support (copy of checks, divorce decree, court order, DOR print out)
- Bank Interest, Dividends (statement from bank, copies of checks, tax forms)
- Rental Income (mortgage interest, property tax, water/sewer, insurance, proof of rent received)
- Self Employment (copy of Federal Tax Return from previous year)
*Disclaimer – Springfield Neighborhood Housing Services are not in charge of the fuel assistance program but a service to help make it convenient to those in the Mason Square area who wish to apply for fuel assistance*
Question Two would repeal an existing state law that allows a qualified organization wishing to
build government-subsidized housing that includes low- or moderate-income units to apply for a single
comprehensive permit from a city or town’s zoning board of appeals (ZBA), instead of separate permits
from each local agency or official having jurisdiction over any aspect of the proposed housing. The repeal
would take effect on January 1, 2011…
A YES VOTE would repeal the state law allowing the issuance of a single comprehensive permit to build
housing that includes low- or moderate-income units.
A NO VOTE would make no change in the state law allowing issuance of such a comprehensive permit.
Question 2 would take away opportunities for affordable housing across Massachusetts by
eliminating the main affordable housing law. VOTE NO.