Under the Housing and Economic Recovery Act of 2008 (H.R. 3221), seller-funded down payment assistance (DPA), both direct or through a third party, is prohibited, effective October 1. AmeriDream Inc.'s president Ann Ashburn issued a statement last week calling for supporters of DPA to press Congress and the Department of Housing and Urban Development (HUD) to regulate - not eliminate - down payment assistance. She urged advocates to visit SupportHomeOwnership.com and make their voices heard.  These programs help many American with low to moderate incomes to purchase the American dream of homeownership.  Not to mention, help million of homeowners seller their homes.  What has been your experience with DPA?

The top markets share certain common characteristics. They all have:

 

• Moderate home prices relative to the national average, and never participated in the wild inflationary spirals of the boom years....or the rapid deflation after 2006.

   

• Solid local economies, producing new jobs, even in the face of a national slowdown.

   

• Strong local demand for both single family rental units and "starter" homes for renters looking to buy.

   

• Prevailing rent levels strong enough to produce positive cash flows for investors.

Some of the top area are in Texas (Dallas, Houston, Fort Worth and San Antonio), along with Denver, Colorado, Charlotte, North Carolina, St. Louis, Missouri, Milwaukee, Wisconsin, and Chicago, Illinois and Kansas City, Kansas. 

I hate to see people lose their homes.  These are some of the contributing factors:  divorce, job loss, illness, death or impending foreclosure. 

What have you found that investors are looking for in buying low and selling high?

Credit:
Owning a home helps you establish financial credibility.

Independence:
Owning your own home provides you with independence and more privacy than renting. You are free to paint walls, plant flowers, keep pets and anything else within legal bounds.

Investment:
As you make more payments and own more of your home, you add to its investment value. Most improvements you make will also add to its value.

Pride:
A home reflects its owner's values and lifestyle. Owning a home can provide you with a source of pride, enjoyment and satisfaction.

Security:
A home can provide security against inflation because the value of your home increases as prices go up.

Stability:
Being established in a community provides a sense of belonging, stability and security.

Tax Advantages:
Interest on your mortgage loan is deductible on your yearly personal income tax return. Many of the closing costs associated with purchasing your home are deductible, as are your property taxes.

Few aspects of both consumer and real estate financing have come under as much written and verbal gunfire as has the credit reporting industry. The skyrocketing volume of credit transactions has put a tremendous strain on credit reporting agencies which deal with millions of requests for information daily.

 

As a result, a recent report to the U.S. Congress stated that as many as 40% of individual credit histories contain errors of some kind. A single missed keystroke by a data entry clerk, for example, can assign a delinquent account to the wrong file. Corrective information submitted by an individual can be misrouted or entered erroneously.

Our economy could not function without credit reporting. We need it to make purchases both large and small, to enable retailers to accept our checks, to obtain loans for homes, cars or college education. It is necessary for corporations to manage their cash flow for the overall benefit of the economy, and for us as individuals to manage our own finances.

For all these reasons, we must be vigilant about the accuracy of our credit reports. We need to know what goes into them, how to read them, how they are used and how to challenge errors when they occur.

While credit might have once been a private matter between oneself and one's banker, this is no longer the case. Every purchase we make on credit creates a record somewhere and these records flow into the huge databases from which our credit histories are constructed. Those histories, in turn, are used by nearly all credit grantors to determine how reliable we are in the use of credit, and to decide whether or not to extend it to us.

One way to fix an error is to contact the creditor reporting it. If you can get the creditor to agree that what was reported is an error, have them give you that information in writing, plus agree to report the updated information to the bureaus.

The Fair Credit Reporting Act gives you the right to dispute both the accuracy and completeness of your credit history. Any of the three credit reporting agencies must respond to your dispute. They must reinvestigate and record the results of their investigation "within a reasonable period of time." While this period remains undefined, practice indicates it means thirty days. If you don't get results within thirty days, have your attorney send the bureau a letter, together with copies of your correspondence.

If the reporting agency cannot verify a disputed entry, it must delete it. If the information is incomplete, they must complete it. For example, if you were temporarily delinquent on an account, and then brought it current and the agency's report does not reflect that, they must correct your record. Also, should your file show someone else's account (this sometimes happens with "junior-senior" relationships or with common names) the agency must delete it.

At your request (be sure you do request it) the agency involved must send a notice of correction to anyone who has received your credit report within the last six months.

In the event that some unforeseen misfortune resulted in a cluster of late payments in your record, you may send a short statement about the circumstances to each of the agencies. You may wish to report illness, unexpected unemployment, the death of a spouse, military call-up, or unexpected medical expenses. Be brief and to the point. No whining. This statement will be added to your file and will be disclosed whenever your credit file is accessed.

There are over 425 churches, mosques, and synagogues in the Fayetteville area.  Here a list of location and services times:

ADVENT CHRISTIAN

Fayetteville 1301 Pamalee Dr.; 9:45 a.m. Sunday school, 11 a.m. worship; Wed., 7 p.m.

Hollandale 124 N. Fifth St., Spring Lake; 9:45 a.m. Sunday school, 11 a.m. worship; Wed., 7 p.m. Bible study.

AL-ISLAM

Masjid Omar Ibn Sayyid 2700 Murchison Road; Fri., 1:15 p.m. congregational prayer; Sun., 10 a.m. Islamic studies/Arabic studies; 12:30 p.m. public lecture; Wed., 7 p.m. community family night.

ALLIANCE OF CHRISTIAN CHURCHES

Blessed Family of God 829 Gillespie St.; 10:30 a.m.; www.bfog.org

ANGLICAN

Church of the Apostles 5605 Trade St., Hope Mills; 10 a.m. worship; www.tcota.org; podcasting available.

Saint George's 806 Arsenal Ave. (St. Michael's Maronite Church); 8:30 worship with holy communion.

APOSTOLIC

Antioch Bible Fellowship Ministries 6829 Fillyaw/Yadkin Road (Sue's Airborne Plaza); 10 a.m. Sunday school; 11 a.m. children's church; 11 a.m. worship; Wed., Bible training; fourth Sun., 7 p.m. praise and power celebration; fourth Wednesday, family life enrichment empowerment.

Faith Tabernacle Pentecostal Holiness 2574 Hope Mills Road; 10 a.m. Sunday school; 11:30 a.m. worship; Tues., noon, 7 p.m. prayer; Thurs., noon, 7 p.m. Bible class.

New Jerusalem 3781 Jamesdale Road, Eastover; 9:30 a.m. Sunday school; 11 a.m. worship; Wed. 7:30 p.m. Bible study.

ASSEMBLY OF GOD

Baywood 2249 Baywood Road; 10:30 a.m., 6 p.m. worship; Wed., 7:30 p.m. Bible study and youth service; Fri., 7:14 p.m. prayer meeting.

Calvary 2512 Ft. Bragg Road; 9:30 a.m. Sunday school; 10:30 a.m., 6 p.m. worship; Wed., 7 p.m.

Fayetteville 2754 Gillespie St.; 9:30 a.m. Sunday school; 10:30 a.m., 6:30 p.m. worship; Wed., 7 p.m. Bible study.

Living Water N.C. 87 N., Spring Lake; 10 a.m. Sunday school; 11 a.m., 6:30 p.m. worship; Wed., 6:30 p.m. family Bible study.

Spring Lake (Korean) 105 Strickland Dr.; 9:30 a.m. English worship; 11 a.m., 1:30 p.m. Korean worship; 11 a.m. youth service; Wed., 7:30 p.m. Bible study; Fri., 8 p.m. worship.

BAHA'I

Baha'is For information, call 867-2155, or write, Baha'is of Cumberland County, 604 Cranford Court, Fayetteville, NC 28303.

BAPTIST

Adonai Korean 4456 Legion Road, Hope Mills; 1 p.m. worship; Fri., 7:30 p.m.

Acts Missionary 2111 Rosehill Road; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., noon and 6:30 p.m. Bible study.

Anderson Creek Community Rt. 4, Spring Lake; 9:45 a.m. Sunday school; 10:45 a.m. worship; 7 p.m. Bible study; Wed., 7 p.m. prayer meeting.

Antioch Front St., Falcon; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m.

Arran Lake 1130 Bingham Drive; 8:30 a.m., 9:45 a.m. Sunday school; 9:45 a.m., 11 a.m. and 6 p.m. worship.

Baptist Union 1483 Sand Hill Road, Hope Mills; 9:45 a.m. Sunday school; 8 and 11 a.m. worship; Wed., 11 a.m. senior citizens; 7 p.m. youth and prayer, praise and training.

Beauty Spot 7572 Raeford Road; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. prayer meeting and Bible study.

Beaver Dam 10 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m. prayer service.

Berean 520 Glensford Drive; 9:30 a.m. Sunday school; 10:45 a.m., 6 p.m. worship; Wed., 7 p.m.

Bethel 4313 Bragg Blvd.; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7:30 p.m.

Bible Baptist Church 2587 Hope Mills Road; 9:45 a.m. Sunday school; 10:45 a.m., 7 p.m. worship; 6 p.m. Bible study; Wed., 7 p.m. prayer meeting.

Bonnie Doone 5200 Bragg Blvd.; 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7 p.m.

Calvary 1943 Pamalee Dr.; 9:30 a.m. prayer service; 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; 11 a.m. children's church; Wed., 7 p.m. prayer, Bible study and ACTEENS.

Cape Fear 100 Indian Drive; 9:45 a.m. Sunday school; 11 a.m. worship.

Cape Fear (Gray's Creek) 10 a.m. Sunday school; 11 a.m. worship; 7 p.m. Bible study.

Carroll Memorial 2220 Camden Road; 9:45 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7 p.m. prayer.

Cedar Creek 4751 Tabor Church Road (off N.C. 53); 9:45 a.m. Sunday school; 11 a.m., 7:00 p.m. worship; Wed., 7 p.m.

Cedar Falls 6181 Ramsey St.; 9:45 a.m. Sunday school, 11 a.m. and 6 p.m. worship. Wed., 6:30 p.m.

Center Wade; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m.

Central 602 Spring Ave., Spring Lake; 9:30 a.m. Sunday school; 11 a.m. worship; AWANA kid's program 5:30 p.m.; 7:30 p.m. Bible study.

Charity 431 Neville St., 10 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. Bible study; Thurs., noon, prayer meeting; Fri., 7 p.m. prayer and joy service.

Clement 6020 Maxwell Road, Autryville. 10 a.m. Sunday school; 11 a.m. worship; Wed., 8 p.m. Bible study.

College Lakes 4704 Ramsey St.; 10 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7:30 p.m.

Concord Stedman; 10 a.m., 11 a.m. service; Wed., 7 p.m.

Cool Springs 10 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7:30 p.m.

Cornerstone 3000 Scotty Hill Road; 9:30 a.m. Sunday school; 10:30 a.m. worship; 5:30 p.m. AWANA, ProTeens, Bible study; Wed., 6:45 p.m. prayer.

Cumberland 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 10 a.m., 7 p.m. Bible study.

Cumberland Union 6957 Tabor Church Road; 9:45 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7 p.m. Bible study and prayer.

Eureka 1591 Eureka Ave.; 10 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7 p.m.

Eureka Chapel Missionary Eureka Springs; 10 a.m. Sunday school; 11:15 a.m. devotion; 11:30 a.m. worship; Wed., 6:30 p.m. prayer service; 3rd Sun., 4 p.m. mission Sunday.

Evergreen N.C. 210 S., Autryville; 10 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m. prayer meeting and Bible study.

Faith 4437 Camden Road; 10 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7 p.m.

Falling Run Missionary Cedar Creek Road; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. Bible study and prayer.

Faymont 4205 Cumberland Road; 9:45 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7 p.m.

Fellowship 4916 S. Main St., Hope Mills; 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7 p.m. prayer and study.

First 201 Anderson St.; 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 6:30 p.m.

First 1200 Cameron Road, Hope Mills; 10 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7 p.m. prayer meeting.

First 4130 Linden Road, Linden; 9:45 a.m. Sunday school; 11 a.m., 6:30 p.m. worship; Wed., 7 p.m.

First 302 Moore St.; 8 a.m., 10:45 a.m., 6 p.m. (2nd, 4th Sun.) worship; 9:30 a.m. Sunday school; Wed., 6:30 p.m., Bible study; 7:30 p.m. mid-week service.

First201 S. Main St. Spring Lake; 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; 6 p.m. AWANA kid's program; Wed., 5:45 p.m. meal, 7 p.m. Bible study.

First Hwy. 24 E., Stedman; 11 a.m. worship (1st, 2nd, 3rd Sundays); Wed., 7 p.m. prayer service.

First United Hope Mills; 10:00 a.m. Sunday school; 11 a.m. worship; 6 p.m. youth meeting; Wed., 7:30 p.m.

Flat Swamp Missionary 2314 L.A. Dunham Road; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 6:45 p.m. prayer meeting.

Freedom 2115 Middle Road; 9:30 a.m. Sunday school; 10:30 a.m., 6:30 p.m. worship; Wed., 7:30 p.m. Bible study and prayer meeting.

Friendship 400 Campbell Ave.; 9:30 a.m. Sunday school; 8, 11 a.m. worship; 10:30 a.m. children's church; Wed., 6:30 p.m. prayer; 7 p.m. Bible study.

Friendship 3232 Davis St., Hope Mills; 10 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. prayer and Bible study.

Gethsemane 4300 Blanton Road; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 6:30 p.m. Bible study.

Godwin Royal St., Godwin; 9:45 a.m. Sunday school; 11 a.m. worship.

Golfview Drive 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7 p.m. prayer service.

Good Hope 1431 Deep Creek Road; 9:45 a.m. Sunday school; 11 a.m. worship; Mon., 7 p.m. Bible study; Wed., 6:45 p.m. prayer meeting.

Gourd Springs Ray (Old Farm) Road, Spring Lake; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m.

Grace 3901 Raeford Road; 9:45 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7 p.m.

Gray's Creek Missionary Hope Mills; 9:45 a.m. Sunday school; 11 a.m. pastoral service; Wed., 7:30 p.m. Bible study

Greater First Cedar Creek; 9:45 a.m. church school; 11:15 a.m. worship.

Highland 4456 Legion Road, Hope Mills; 10 a.m. Sunday school; 11 a.m., 7 p.m. worship; 6 p.m. prayer; 6:30 p.m. youth activities; Wed., 7 p.m. Bible study.

Hillside 3203 Legion Road, Hope Mills; 9:45 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7 p.m. Bible study.

House of Prayer Evangelist Hope Mills; 10 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m.

Iglesia Bautista Berean 520 Glensford Dr.; 10 a.m. Companerismo Biblico; 11 a.m., 5 p.m. servicio de Adoracion.

Iglesia Bautista Misionera 7601 Old Raeford Road; domingos, 10 a.m. escuela dominical; 11 a.m. servicio de Adoracion.

Immanuel 219 Hull Road; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. prayer meeting, Bible study.

Judson 505 Judson St.; 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; 6 p.m. discipleship training; Wed., 7 p.m. prayer.

LaFayette Baptist 501 Hope Mills Road; 9:30 a.m. Sunday school; 11 a.m., 6:30 p.m. worship.

LaGrange Park 7502 Ascot Ave.; 9:30 a.m. Sunday school; 10:45 a.m., 6 p.m. worship; 5 p.m. AWANA; Wed., 7 p.m. Bible study. Interpreting for the hearing impaired at all services.

Lake Lynn 3363 Gillespie St.; 8:45 a.m, 11 a.m. worship; 9:45 a.m. Sunday school; Wed., 7 p.m. choir and Bible study.

Lake Rim 7758 Raeford Road; 9:45 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 6:30 p.m. fellowship supper; 7:15 p.m. Bible study and Team Kids.

Layton Chapel Spring Lake; 9:45 a.m. Sunday school; 11:00 a.m., 6 p.m. worship; Wed., 7:30 p.m. prayer meeting.

Lebanon Beard Road; 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7 p.m. Bible study and children's mission groups.

Lewis Chapel 5422 Raeford Road; 7:30 a.m., 9:45 a.m. Sunday school; 8:45 a.m., 10:45 a.m. and 6 p.m. worship; Wed., 10:30 a.m., 7:15 p.m. prayer meeting and Bible study.

Liberty 201 Dallas St.; 10 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m.

Liberty 1625 Ray Road, Spring Lake; 11 a.m., 6 p.m. worship; 9:45 a.m. Sunday school; Wed., 7 p.m. prayer service.

Little River Independent 745 Wheeless Road, Spring Lake; 10:00 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7 p.m. service.

Macedonia Macedonia Road; 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed. 7:30 p.m. Bible study and prayer meeting.

Magnolia 1021 Magnolia Church Road, Stedman; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 6 p.m. meal, 6:45 Bible study, 7:30 p.m. prayer service and children and youth activities.

Massey Hill 1027 Southern Ave.; 9:45 a.m. Sunday school; 11 a.m., 6:30 p.m. worship; 5:30 p.m. discipleship training; Wed., 7 p.m.

Mehari Christian Center (Missionary) 219 W. Mountain Dr.; 10:45 a.m. worship; Wed., 7 p.m. service.

Mount Calvary 3529 Dundle Road; 10 a.m. Sunday school; 11 a.m., 7 p.m. worship; Tues., 7 p.m. Bible study.

Mount Calvary Missionary 3398 Doc Bennett Road; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. prayer meeting.

Mount Carmel Missionary 1027 Wilmington Hwy.; 10 a.m. Sunday school; 11:30 a.m. worship; missions, first Sunday, 5 p.m., Baptist Training Union. Communion every first Sunday.

Mount Gilead 6248 Cliffdale Road; 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7 p.m.

Mount Olive Free Will Wade; 9:45 a.m. Sunday school; 11 a.m. worship (second, fourth Sundays); 4 p.m. (second Sunday) YPCL; Wed., 7 p.m. prayer meeting and Bible Study.

Mount Olive Missionary 118 Johnson St.; 7:30 a.m., 10:30 a.m. worship; Sat., 8 a.m. to noon church school.

Mount Pisgah 3350 Butler Nursery Road, Fayetteville; e-mail, mtpisgahbc@earthlink.net; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 6:30 p.m. Bible study

Mount Sinai 1217 Murchison Road; 9:45 a.m. Sunday school; 11 a.m., 5:30 p.m. worship; Wed., 7:30 p.m. prayer meeting and Bible study.

Mount Vernon County Line Road, Gray's Creek; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. prayer meeting.

New Beginning Missionary 510 N. Main St., Spring Lake; 8 a.m., 11 a.m. worship; 9:45 a.m. Sunday school; Wed., 7 p.m. Bible study.

New Calvary Missionary Baptist 3862 Gateway Dr.; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. prayer meeting.

New Faith Outreach Ministries 8245 Gipp Road; Glenn C. King, Pastor; phone, 483-8876; e-mail, GKing13@nc.rr.com; 9:45 a.m. Sunday school and children's worship; 11 a.m. worship; 7 to 8 p.m. Wednesday Bible class; 7:30 p.m. Friday service; 9 to 11 a.m. Saturday ministry classes.

New Hope 3675 Rosehill Road; 9:45 a.m. Bible study; 11 a.m., 6 p.m. worship; Wed., 7 p.m.

New Hope 293 Bethel Baptist Road, Spring Lake; 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7 p.m.

New Hope Missionary Wade; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. Bible study.

New Hope Gospel Ministries, 7745 Camden Road; 10 a.m. Sunday school; 11 a.m. worship; 7 p.m. Thursday Bible study; 7:30 every fourth Friday joy night service; every fifth Sunday a 4 p.m. service

New Jerusalem Missionary 5951 Yadkin Road; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. Bible study.

New Life 6501 Camden Road; 9:30 a.m. Sunday school; 10:30 a.m., 6:30 p.m. worship; Wed., 7 p.m. Bible study and AWANA.

New Life International Fellowship Church of God in Christ 4519 Calico St., Hope Mills; 10 a.m. Sunday school; 11 a.m. worship; Tuesdays, 7:30 p.m. Bible study.

New Mission 375 Platinum St.; 9:45 a.m. Sunday school; 8:30 a.m., 11 a.m. worship; Wed., 7 p.m. Bible study.

New Testament 2905 Ramsey St.; 10 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m.

Northview 7455 Ramsey St.; 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7 p.m.

Open Bible 227 McPhail St., Hope Mills; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7:30 p.m.

Peace 816 Stamper Road; 9 a.m. worship.

Pleasant Grove 3934 Sunnyside School Road, Vander; 9:45 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7 p.m. Bible study and youth activities.

People's 3627 Clinton Road, Vander; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7 p.m. Bible study.

Primera Iglesia Bautista 201 S. Main St., Spring Lake; 9:45 a.m. Escuela Dominical; 11 a.m. servicio de Adoracion.

Primera Iglesia Bautista de Fayetteville 6043 Applecross Ave.; 10 a.m. Escuela Biblica; 11 a.m., 7 p.m. worship.

Providence 1268 Ireland Dr.; 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7 p.m. prayer meeting.

The River Community Church 6901 Ramsey St., (inside Pine Forest Middle School); 10:30 a.m. Sunday.

Savannah Missionary 6675 Tabor Church Road, Fayetteville; 9:45 a.m. Sunday school; 11 a.m. worship (1st, 4th Sun.); Wed., 7:30 p.m. prayer meeting.

Second 522 Person St.; 9:45 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 6:30 p.m. prayer and Bible study.

Second 522 Wilmington Road; 9:30 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m.

Sharon 9957 Turnbull Road; 10 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. Bible study.

Shaw Heights Corner of Charmain and Gregory Streets; 9 a.m. prayer; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m.

Shiloh Temple of Faith 603 North Green St., Raeford; 10:30 a.m. Sunday school; 11:30 a.m. worship; Tues., 7 p.m. Bible study.

Snyder Memorial 701 Westmont Drive; 9:45 a.m. Sunday school; 8:30 a.m., 8:45 a.m. contemporary services; 11 a.m. worship; Wed., 5 p.m. family night.

Southview Elk Road, Hope Mills; 9:45 a.m. Sunday school; 8:30 a.m., 11 a.m. and 7 p.m. worship; Wed., 7 p.m. service.

Sperring Memorial 5869 Yadkin Road; 9:30 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7 p.m. Bible study

Spring Lake Memorial Missionary 458 Chapel Hill Road; 10 am. Sunday school; 11 a.m. worship; Wed., 7:30 p.m. prayer service.

Stedman N.C. 24; 9:30 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7 p.m.

St. Jude Missionary 3600 Acordia Lane, Hope Mills; 11 a.m. worship; Wed., 12 p.m. Bible study, 7 p.m. prayer and Bible study.

St. Paul Full Gospel Baptist Church 602 Mann Street; phone 486-0202; fax 486-0787; 8:45 a.m. Sunday school; 9:30 a.m. worship; 4:00 p.m. Sunday worship; prayer and Bible study, Thursdays at 7 p.m.

Stoney Point 6554 Rockfish Road; 9:45 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7 p.m.

Suggs Grove N.C. 53; 10 a.m. Sunday school; 11 a.m. worship; 7 p.m. worship (1,3); Wed., 7:30 p.m.

Swan's Creek Missionary Hope Mills; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m. prayer meeting and Bible study.

Tabernacle Rockfish, off 401 S.; 9:45 a.m. Sunday school; 11 a.m., 7:30 p.m. worship; Wed., 7:30 p.m. prayer and Bible study.

Temple 3159 Sanderosa Road; 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7 p.m.

Trinity 433 Southland Drive; 9:30 a.m. Bible study; 10:30 a.m. worship; 6 p.m. prayer; Wed., 7 p.m. worship.

True Love Missionary 625 Kellam Circle; 9:30 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. Bible study.

Union Hill Missionary, 1412 Polly Island Road, Autryville; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. prayer and Bible study.

Upper Room 1641 Shaw Road; 10 a.m. Sunday school; 10:45 a.m. devotion (summer only); 11 a.m. worship; Wed., 7 p.m. prayer; 7:30 p.m. Bible study.

Victory 5984 Brookdale St., Hope Mills; Sunday school, 9:30 a.m.; worship 10:30; Sunday Bible Study and Youth Group 6 p.m.; Wednesday Bible Study and Teen Kids, 6:30 p.m.;

Village 906 S. McPherson Church Road; 8:30 a.m., 9:45 a.m. Sunday school; 9:45 a.m., 11 a.m. and 6 p.m. worship; Wed., 7 p.m.

Wade 7242 Main St., Wade; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m., Bible study and choir practice.

Washington Park Missionary 606 Brinkley St.; 10 a.m. Sunday school; 11 a.m. worship; Tues., 7 p.m. Bible study.

Walstone Memorial 260 Walstone Road; 9:45 a.m. Sunday school; 10:55 a.m., 6 p.m. worship; Wed., 7:15 p.m. prayer service and the youth and children's meeting.

West Fayetteville 2465 Gillis Hill Road; 9:15 a.m. and 10:30 a.m. Sunday schools; 9 a.m., 10:30 a.m., 6:30 p.m. Sunday worship services; Wed., 7 p.m. worship service.

FREE WILL BAPTIST

Antioch Carols Road, Linden; 10 a.m. Sunday school; 11 a.m. worship (1st, 3rd Sunday); Tues., 6 p.m. prayer meeting.

Bethlehem Wade; 10 a.m. Sunday school; 11 a.m. (1st, 3rd Sun.); Tues., 7:30 p.m. prayer meeting and Bible study.

Calvary 1769 Bingham Dr.; 9:45 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7 p.m.

Covenant Original 813 Orchard St., (deaf and hearing fellowship) Hope Mills; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7 p.m. Bible study, prayer meeting, sign language class, choir practice.

Cumberland Union Linden; 10 a.m. Sunday school; 11 a.m. worship; Thurs., 7:30 p.m. prayer meeting.

First Pentecostal 1123 Turnpike Road; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m. prayer meeting.

Friendship Grove Highway 401 North, Raeford; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m. prayer and Bible study.

Haymount 126 Eastwood Ave.; 9:30 a.m. prayer room; 9:45 a.m. Sunday school; 10:45 a.m. worship; Fri., 7 p.m. prayer and Bible study.

Hickory Grove Stoney Point Road at Barefoot Road; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7 p.m. Bible study.

Jesus' Peace 980 Kennsaw Dr.; 9:50 a.m. Sunday school; 8 a.m., 11 a.m. worship; Tues., 7 p.m. Bible study.

Mount Moriah 1023 Benjamin St.; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. Bible study and prayer meeting.

Mount Zion 243 Pennsylvania Ave.; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. prayer meeting and Bible study; Thurs., 7:30 p.m. Bible study and prayer service.

New Macedonia 6465 Raeford Road; 9:30 a.m. Sunday school; 11 a.m. worship; Wed., 6:30 p.m. Bible study; 7 p.m. prayer meeting.

Parks Chapel 2503 Murchison Road; 9 a.m. worship; 8 a.m. Sunday school; Tues., 11 a.m. Bible study; Tues., noon prayer; Wed., 6:30 p.m. Unity Fellowship.

Piney Grove 244 Slocomb Road; 10 a.m. Sunday school; 11 a.m. worship; Wed., 6:30 p.m. prayer meeting; 7:30 p.m. Bible study.

Sandy Grove Wade; 10 a.m. Sunday school; 11 a.m. (2nd, 4th Sun.) worship; Wed., 7:30 p.m. Bible study and prayer meeting.

St. John Bunce Road; 9:30 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7:30 p.m. Bible study.

Smith Chapel 519 Boundary Lane; 9:45 a.m. Sunday school; 11 a.m. worship; Thurs., 7 p.m. prayer meeting.

Williams Chapel 1230 N. Bragg Blvd.; 9:30 a.m. Sunday school; 8 a.m., 11 a.m. worship (with sign language); Wed., 7:30 p.m. adult and teen Bible studies.

PENTECOSTAL FREE WILL BAPTIST

Hope Fellowship Hope Mills; 10 a.m. Sunday school; 6 p.m. worship; Wed., 6 p.m.

Lighthouse 5435 Overhills Road, Spring Lake; 10 a.m. Sunday school; 11 a.m, 6 p.m. worship; Wed., 7 p.m.

Oak Grove N. of Stedman; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7:30 p.m.

INDEPENDENT BAPTIST

Lighthouse5991 Rockfish Road, Hope Mills; Sunday School 10 a.m.; 11 a.m. and 6 p.m. worship; Wed. 7 p.m. Patch the Pirate Club.

CATHOLIC

Good Shepherd 5050 Oak St., Hope Mills; Sat., 5:30 p.m. Mass; Sunday, 8:30 a.m., 11:30 a.m. Mass.

Korean 1380 Pamalee Road ; Sunday, 10:30 a.m. Mass.

St. Ann 365 N. Cool Spring St.; 8:30 a.m., 11:00 a.m. Mass; Sat., 5:00 p.m.; weekdays, Sept. through May, 7:30 a.m. except Thu. at 9:00 a.m.; weekdays, June through Aug., 7:30 a.m. except Wed. at 12:15 p.m.

St. Michael the Archangel Maronite Church 806 Arsenal Ave.; Sat., 5 p.m. Mass; Sun., 10:30 a.m. Mass; Tue.-Fri., noon Mass; Tue., 9 a.m.-5 p.m. Adoration of the Blessed Sacrament.

St. Patrick 2844 Village Drive; Sat., 5:30 p.m. Mass; 7:30 a.m., 9:30 a.m., 11:30 a.m. Mass and 1:30 p.m. Mass in Spanish; 3:30 p.m. reconciliation Saturday; 9 a.m. weekday Mass except 6:15 Mass on Wednesday with Adoration of the Blessed Sacrament at 5:15 p.m.

St. Elizabeth Ann Seton 700 Carnegie; Sat., 5:30 p.m. Mass; Sun., 9 a.m., 11:30 a.m. Mass, Sat., 4 p.m. reconciliation.

CHRISTIAN

Anderson Temple Church of God in Christ Rev. J.J. Williams, 702 Teachers Drive; 9 a.m. Prayer; 10 a.m. Sunday school; 11:30 a.m. worship; 6:30 p.m. YPWW; 8:00 p.m. evangelistic service; Tuesday 7:30 p.m. prayer and bible band; Friday 7:30 p.m. pastoral teaching.

Faith Christian Church 1271 Charmain St., 10 a.m. Sunday worship; 10 a.m. Saturday Outreach service. 488-5800

First (Disciples of Christ) 1505 Ft. Bragg Road; 9:45 a.m. Sunday learning; 11 a.m. worship; 10 a.m. and 7 p.m. Wednesday Bible study.

Fayetteville 4308 Rosehill Road; 9 a.m., 10:30 a.m. Sunday school and worship; Wed., 7 p.m.

Iglesia Ni Cristo 1120 Camden Road; 9 a.m. worship; 10:30 a.m. children's worship.

Peace Memorial 511 Cumberland St.; (1st, 3rd Sun.) 9:45 a.m. Sunday school; 10:45 a.m. praise; 11 a.m. worship; 2nd, 4th Sun., 8 a.m. worship; 9:45 a.m. breakfast; 10:45 a.m. Sunday school; 11 a.m. worship.

Pleasant Grove 208 N. Racepath St.; 10 a.m. Sunday school; 11 a.m. worship; Mon., 7 p.m. Bible study; Wed., 6 p.m. prayer meeting.

Thaddeus Chapel Disciple River Road ; 9:45 a.m. Sunday school; 11 a.m. worship; Tue., noon prayer; Wed., 7 p.m. prayer meeting and Bible study.

Trinity 3771 Rosehill Road (Hillendale Plaza); 10 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed. 7 p.m. family foundation.

Word of God Christian Center 3724 Sycamore Dairy Road, Ste. 124; Sunday worship, 10:45 a.m.; Wednesday worship, 7 p.m.

CHRISTIAN AND MISSIONARY ALLIANCE

Christian and Missionary Alliance 2306 Fort Bragg Road; 8:30 a.m., 11 a.m. and 6 p.m. worship; 9:45 a.m. Sunday school.

CHURCH OF CHRIST

Cape Fear 3808 Village Drive; 9 a.m. Sunday school; 10 a.m., 6 p.m. worship; Wed., 7:30 p.m.

Clinton 21 Deems Dr.; 10 a.m. Sunday Bible study and 11 a.m., 6 p.m. worship; Wed., 7 p.m. Bible study

Fayetteville 651 Country Club Dr., 8:30 a.m. Sunday school; 10 a.m., 6 p.m. worship; Wed., 7 p.m.; Thu., 1 p.m. Bible study.

Helen Street 500 Helen St.; 9 a.m. Bible study; 8 a.m., 10 a.m., 5 p.m. worship; Wed., 7 p.m. Bible study.

Shiloh United 4150 Hummingbird Place; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m. Bible study.

West Fayetteville 5272 Butternut Drive, off Hope Mills Road; 9 a.m. Bible study; 10 a.m., 5 p.m. worship; Wed., 7 p.m. Bible study.

CHURCH OF GOD

Antioch 542 Shaw Road; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7:30 p.m.

Cameron Temple 112 Sam Cameron Ave; 10 a.m. Sunday school; 11 a.m. worship; 7:30 p.m. prayer.

Cedar Creek 4010 Cedar Creek Road; 9:30 a.m. Sunday school; 10:30 a.m. worship; Fri., 7:30 p.m. Friday Night Fire.

Praise Fellowship 9:45 a.m. Sunday school; 10:45 a.m. worship; 6 p.m. camp meeting; Wed., 7 p.m. structured family ministry.

Eastover Route 1, Fayetteville; 10 a.m. Sunday school; 11 a.m., 7 p.m. worship (2nd, 3rd and 4th Sundays); Wed., 7:30 p.m. Bible study.

Eastside 2217 Clinton Road; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship (no 6 p.m. worship fourth Sun.); Wed., 7:30 p.m.

Four Points Hwy. 13; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship.

Gray's Creek 328-D Chicken Foot Road; 9:45 a.m. Sunday school; 10:45 a.m., 6 p.m. worship; Wed., 7:30 p.m. family training.

Hope Mills 505 Cameron Road; 9:45 a.m. Sunday school; 10:45 a.m., 6 p.m. worship; Wed., 7:30 p.m. family training.

Iglesia de Dios 4707 Cumberland Road; domingo, 11 a.m., 12 p.m.; lunes, 7 p.m. oracion; miercoles, 7:30 p.m.

Iglesia de Dios 1533 McArthur Road; domingo, 11 a.m.; miercoles, 7:30 p.m.

Lakedale 2211 Southern Ave; 10 a.m. Sunday school; 10:45 a.m., 6 p.m. worship; Wed., 7 p.m.

Miracle Temple Holy Deliverance 1070 Winslow St.; 10 a.m. Sunday school; 11:30 a.m. worship; Tues., Thurs., noon prayer and Bible study; Wed., 6 p.m. prayer and Bible study; Fri., 7:30 p.m. joy night.

New Hope 3095 Camden Road; 9:45 a.m. Sunday school; 11 a.m., 7:30 p.m. worship; Wed., 7:30 p.m. singing; 8 p.m. preaching.

New Life 362 Neville St.; 10 a.m. Sunday school; 11 a.m. worship; Mon. - Fri., noon prayer; Wed., 7 p.m. Bible study.

North Ramsey 124 Circle Court; 9:45 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7:30 p.m. family training.

Revival Center Holiness Church of God 4918 Pine St., Linden; 10 a.m. Sunday school; 11:15 a.m. 1st, 2nd and 3rd Sundays, 7:30 p.m. Bible study and prayer meeting.

Rivers of Living Water 1764 Bingham Dr.; 9:45 a.m. Sunday school; 10:45 a.m., 6 p.m. worship; Wed., 7:30 p.m. family training; Fri., 7:30 p.m. Spanish worship service.

Sapona Road 1315 Sapona Road; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7:30 p.m. family training.

Spring Lake 300 Ruth St. community center, Spring Lake; 10 a.m. worship; 6 p.m. Sunday school; Wed., 7 p.m. discipleship training.

Strickland Bridge 1850 Strickland Bridge Road; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m. Bible study.

Timberlake 3515 Sturbridge Road, Hope Mills; 9:45 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7:30 p.m.

Vander 2856 Sapona Road; 10 a.m., 6 p.m. worship; Wed., 7:30 p.m.

CHURCH OF GOD IN CHRIST

Abundant Life Ministries Family Worship Center 306 Stevens St., Raeford; 9:30 a.m. Sunday School first, second, third weeks; 10:30 a.m. worship all weeks; Wed. 7 p.m. Bible study.

C.D. McNeill Memorial 1705 Sapona Road; 9:30 a.m. Sunday school; 11 a.m. worship; 7:30 p.m. YPWW; 8 p.m. evangelistic service; Tues., 7:30, prayer and Bible band; Fri., 7:30 p.m.

New Life in Christ Ministries 4145 Calico St., Hope Mills; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m. Bible study; Fri., 8 p.m. pastoral teaching.

Pentecostal Temple 455 Williams St.; 9:30 a.m. Sunday School; 11 a.m. worship; 6 p.m. YPWW; Wed. 7 p.m. prayer and Bible band; Fri. 7 p.m. pastoral guidance.

Smith Temple 2296 Slater Ave.; 10 a.m. Sunday school; 11:45 a.m., 7:30 p.m. worship; 6 p.m. Y.P.W.W.; Wed., noon prayer; 7:30 p.m. prayer and Bible Band; Fri., 7:30 p.m. service.

CHURCH OF GOD OF PROPHECY

Bethany 7350 Maxwell Road, Stedman; 9:45 a.m. Sunday school; 10:30 a.m., 6 p.m. worship; Wed., 7 p.m.

Breezewood 3230 Legion Road, Hope Mills; 10 a.m. Sunday school; 10:45 a.m., 6 p.m. worship; Wed. 7 p.m. for kids, teens and adults.

Church of God of Prophecy Reilly Road, 10 a.m. Sunday school; 11 a.m. worship; 6 p.m. evening service; Wed., 8 p.m. Bible study.

Stedman N.C. 210 S.; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7:30 p.m.

CHURCH OF THE NAZARENE

Church of the Nazarene 1844 Rayconda Road, 9:30 a.m. Sunday school; 10:45 a.m., 6 p.m., worship; Tues., 7 p.m. prayer; Wed., 7 p.m. worship.

EASTERN ORTHODOX

Saint Nicholas Orthodox 733 Southern Ave.; 10 a.m., divine liturgy 2nd and 4th Sundays, lay reader services 1st and 3rd Sundays.

ECKANKAR

N.C. Satsang Society 310 Green St.; 1st, 3rd Sunday, 11 a.m.

EPISCOPAL

Christ 3711 S. Main St., Hope Mills; 10 a.m. Sunday school; 11 a.m. Holy Eucharist.

Good Shepherd 15 Hamlet St.; 9:30 a.m. worship; 11 a.m. church school.

Holy Trinity 1601 Raeford Road; 8 and 10:30 a.m. worship; Wed., noon service; Mon., Tues., Fri. 7:15 a.m. morning prayer; Thurs. 5:30 p.m. service.

St. Joseph's corner of Moore and Ramsey Streets; 9:45 a.m. Sunday school; 10 a.m. adult Bible class; 11 a.m. Holy Eucharist; Wed., 7:30 p.m. morning prayer with homeless; 11 a.m. Bible study; 12:15 p.m. communion.

St. John's 302 Green St.; 8 a.m. Holy Eucharist Rite I; 9:15 a.m. Christian education; 10:30 a.m. corporate worship; Wed., 10:30 a.m. Holy Eucharist Rite I.

St. Paul's-in-the-Pines 1705 St. Augustine Ave.; 9 a.m. Christian education; 10:30 a.m. worship.

POPE AIR FORCE BASE AND FORT BRAGG

Pope Air Force Base 315 Ethridge St.; Protestant: 8 a.m. traditional worship; 11 a.m. contemporary worship; 9:30 a.m. Sunday School at Pope Elementary; Catholic: Mass, 9:30 a.m. and 5 p.m.; CCD, 11:15 a.m. at Pope Elementary; Daily Mass, 11:45 a.m. For information on services call 394-2677.

Fort Bragg Catholic Masses daily 11:30 a.m.; Sunday 8 a.m, 9:30 a.m., 12:30 p.m.; Greek Orthodox 9:30 a.m., Division South Chapel; Protestant services 8:30 a.m., 9:30 a.m., 11 a.m. Jewish services Jewish Chapel, Half and C St., Fri., 7 p.m., worship, followed by Oneg Shabbat. For information call 396-8369, 396-5258 or 396-7091.

GREEK ORTHODOX

Sts. Constantine and Helen 614 Oakridge Ave.; 10:15 a.m. liturgy; weekdays, 10 a.m. liturgy.

JEHOVAH'S WITNESSES

Bordeaux 3265 Cumberland Road; Sun., 1 p.m. public talk, Watchtower study; Mon., 7:30 p.m., book study; Wed., 7:30 p.m. theocratic ministry school, service meeting.

Cape Fear 2415 Rosehill Road; Sun., 1 p.m. public talk, Watchtower study; Mon., 7:30 p.m. book study; Wed., 7:30 p.m. theocratic ministry school, service meeting.

Cliffdale 1037 71st School Road; Sun., 12:30 p.m. public talk, Watchtower study; Mon., 6:30 p.m. book study; Tues., 7:30 p.m. theocratic school, service meeting.

Cross Creek 2415 Rosehill Road; Sun., 10 a.m. public talk, Watchtower study; Mon., 6 p.m. book study; Tues., 7:30 p.m. theocratic ministry school, service meeting.

East 525 Judson Church Road; Sun., 10 a.m. public talk, Watchtower study; Mon., 7:30 p.m. book study; Thurs., 7:30 p.m. theocratic ministry school, service meeting.

Fayetteville Spanish 3265 Cumberland Road; Sun., 1 p.m. public talk, Watchtower study; Fri., 7:30 p.m. book study; Wed., 7:30 p.m. theocratic ministry school, service meeting.

Fisher Road 5752 Fisher Road; Sun., 10 a.m. public talk, Watchtower study; Tues., 4:30 p.m. book study; Thurs., 7:30 p.m. theocratic ministry school, service meeting.

Hope Mills 3265 Cumberland Road; Sun., 10 a.m. public talk, Watchtower study; Thurs., 7:30 p.m. book study; Tues., 7:30 p.m. theocratic ministry school, service meeting.

Korean 5752 Fisher Road; Sun., 2 p.m. public talk, Watchtower study; Mon., 7:30 p.m. book study; Wed., 7:30 p.m. theocratic ministry school, service meeting.

Morganton Road 1037 71st School Road; Sun., 9:30 a.m. public talk, Watchtower study; Mon., 6:30 p.m. book study; Thurs., 7:30 p.m. theocratic ministry school, service meeting.

North 1729 McArthur Road; Sun., 1 p.m. public talk, Watchtower study; Mon., 7 p.m. book study; Tues., 7:30 p.m. theocratic ministry school, service meeting.

Spring Lake 1729 McArthur Road; Sun., 10 a.m. public talk, Watchtower study; Mon., 7:30 p.m. book study; Thurs., 7:30 p.m. theocratic ministry school, service meeting.

Westwood 3265 Cumberland Road; Sun., 10 a.m. public talk, Watchtower study; Thurs., 7:30 p.m. book study; Tues., 7:30 p.m. theocratic ministry school, service meeting.

JEWISH

Congregation Beth Israel 220 Morganton Road; Fri., 8 p.m. Sabbath services; Sat., 9:30 a.m. Sabbath services.

THE CHURCH OF JESUS CHRIST OF LATTER-DAY SAINTS

First Ward 3200 Scotty Hill Road; 11:30 a.m. sacrament meeting.

Third Ward 6420 Morganton Road; 1 p.m. sacrament meeting.

Fourth Ward 3200 Scotty Hill Road; 9 a.m. sacrament meeting.

Fort Bragg Military Ward 6420 Morganton Road; 9 a.m. sacrament meeting.

Hope Mills First Ward 5810 Rockfish Road; 1 p.m. sacrament meeting.

Hope Mills Second Ward 5810 Rockfish Road; 9 a.m. sacrament meeting.

Morganton Road (YSA) Branch 6420 Morganton Road; 11 a.m. sacrament meeting Family History Center, 6420 Morganton Road; for hours, call 860-1547

LUTHERAN

Beautiful Savior 1538 71st School Road; 10 a.m. worship; 11:15 a.m. Sunday school.

Christus Victor 1201 Hope Mills Road, 8:30 a.m. Holy Communion; 9:45 a.m. Sunday school; 11 a.m. worship.

St. James 1424 Morganton Road; 8:30 a.m. service of holy communion; 9:45 a.m. church school; 11 a.m. service of holy communion.

Our Redeemer (LCMS) 1605 Van Buren Ave.; 9 a.m. Sunday school; 10:15 a.m. divine service; Saturday 6 p.m. private confession/absolution; Mon., Wed., Fri., 9 to noon preschool.

METHODIST

Bethabara United 4725 Maxwell Road, Autryville; 9:45 a.m. Sunday school; 11 a.m. worship.

Bethany 2285 Wade-Stedman Road, Stedman; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. prayer service.

Bethel A.M.E. Zion 225 Vass Road, Spring Lake; 9:30 a.m. Sunday school; 11 a.m. worship.

Black's Chapel U.S. 301, Godwin; 10 a.m. Sunday school; 11 a.m. worship; Tues., 7 p.m. Bible study.

Calvary Missionary 185 Calvary Church Road, Olivia; 10 a.m. Sunday School; 11 a.m. worship; Wed., 7 p.m. worship.

Camp Ground 4625 Camp Ground Road; 8:30 a.m. worship; 9:45 a.m. Sunday school; 11 a.m. worship; Holy Communion 1st Sunday each month.

Christ 3101 Raeford Road; 9:45 a.m. Sunday school; 11 a.m. worship.

Cokesbury Stedman, Hwy. 24; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 5:30 p.m. fellowship supper.

Cornerstone 1411 Rim Road; 11 a.m. worship.

Cotton Corner of Mill and Cameron roads, Hope Mills; 10 a.m. Sunday school; 11 a.m. worship.

Creeksville A.M.E. Zion Ray and Creeksville Road, Spring Lake; 9:30 a.m. Sunday school; 11 a.m. worship; Wed., 6:30 p.m. Bible study.

Culbreth Memorial Cedar Creek Road; 9:45 a.m. Sunday school; 10:50 a.m. worship; 6:30 p.m. service; Wed., 7:30 p.m.

Crossroads United Methodist Church 3416 Lancers Drive; Life group every other Tues. 366-3869.

Cumberland George Owen Road; 9:45 a.m. Sunday school; 11 a.m. worship; Tues., 10 a.m. Bible study.

Evans Metropolitan A.M.E. Zion 301 N. Cool Spring St.; 9:30 a.m. Sunday school; 10:55 worship; Wed., noon prayer meeting.

Gardners 4555 Rosehill Road; 10 a.m. Sunday school; 11 a.m. worship: Holy Communion 1st Sunday each month; family dinner followed by Bible study: Wed., 6:00 p.m.

Grace United 2005 Ireland Dr.; 9:45 Sunday school; 11 a.m. worship; Thurs., 7 p.m. prayer meeting.

Harry Hosier 6201 Milford Road; 10 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m. Bible study.

Haymount 1700 Fort Bragg Road 8:30 a.m., 11 a.m. worship; 9:45 a.m. Sunday school; Wed. 5:30 p.m. fellowship; Thurs., noon Thursdays Together; 2nd and 4th Thurs., 7 p.m. Taize service.

Hay Street Ray Ave. and Hay Street; 8:45 a.m. praise worship; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 6 p.m.

Hood Memorial A.M.E. Zion 2801 Rosehill Road; 9:30 a.m. Sunday school; 11 a.m. worship; Wed., 7p.m. Bible study; Sat., 9 a.m. Intercessory prayer.

Hope Mills 4955 Legion Road; 9:45 a.m. Sunday school; 8:30 and 11 a.m. traditional worship; 9 a.m. Sundays Alive contemporary service.

Johnson Memorial 306 McArthur Road; 9:45 a.m. Sunday school; 11 a.m. contemporary worship.

John Wesley 616 Cumberland St.; 9:30 a.m. Sunday school; 11 a.m. worship; Wed., noon, 7 p.m. Bible study.

Lock's Creek AME Zion 4070 Lock's Creek Road; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. Bible study.

Marvin Hwy. 87 S., Grays Creek; 9:45 a.m. Sunday school; 11 a.m. worship; 5 p.m. youth.

Mattock Memorial AME Zion 444 Gillespie St.; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 6 p.m. prayer service.

Moore's Chapel AME Zion 5814 Murphy Road, Stedman; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. Bible study.

Mount Hebrew AME Zion U.S. 401 North (Ramsey St.); 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m.

Mount Zion AME Zion Eastover; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m.

New Bethel AME Zion S. Reilly Road; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m., prayer and Bible study.

Parker's Grove Linden; 10:30 a.m. Sunday school; 9:30 a.m. worship.

Person Street 509 Person St.; 9:30 worship; 11 a.m. Sunday school.

Salem 2165 Middle Road; 9:45 a.m. Sunday school; 8:30 a.m, 11 a.m. worship.

Sandy Grove AME Zion 555 Sandy Grove Road, Lumber Bridge; 9:30 a.m. Sunday school; 11 a.m. worship; Mon., 7 p.m. School of Prophets; Wed., 7 p.m. Bible study; Sat., 6 a.m. prayer.

Solid Rock 2297 Hwy 24, Cameron; 9, 11 a.m., worship, 4 p.m. Youth Group, 7 p.m. alternative service; Every night, 7 p.m., Bible study; Thursday, 10 a.m., Bible study

St. Andrews 121 Lofton Drive; 8:30 a.m., 11 a.m. worship; 9:30 a.m. fellowship; 9:45 a.m. Sunday school.

St. John's AME Zion 1204 Woodland Dr.; 10 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m., Bible study and prayer.

St. Luke AME 522 Hillsboro St.; 9:30 a.m. Sunday school; 8 a.m., 11 a.m. worship; Wed., 6:15 p.m.

St. Matthew's 202 Hope Mills Road; 9:45 a.m. Sunday school; 11 a.m. worship; 4 p.m. UMYF; Tues., 7 p.m. prayer; Wed., 6:30 p.m. Bible study.

Simon Temple 5760 Yadkin Road; 8 a.m., 11 a.m. worship; 9:45 a.m. Sunday school; Wed., noon prayer, 7 p.m. family night.

Spring Lake United 111 N. Bragg Blvd.; 10 a.m. Sunday school; 11 a.m. worship.

Tabor Rt. 2, Tabor Church Road, Fayetteville; 10 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. prayer and fellowship.

Trinity United 6974 Raeford Road; 9:45 a.m. Sunday school; 11 a.m., 6:30 p.m. worship; 4 p.m. junior and senior youth fellowship.

Union Oak AME. Zion 301 S., Hope Mills; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. Bible study.

Victory 2008 Southern Ave.; 10 a.m. Sunday school; 11 a.m. worship.

Victory United. 404 Quality Road; 10 a.m. Sunday school; 11 a.m. worship.

Wesley Heights 304 Trinity Ave.; 9:45 a.m. Sunday school; 11 a.m. worship.

Willis Creek A.M.E. Zion Hwy. 87; 9:30 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m., prayer service and Bible study.

NON-DENOMINATIONAL

A.L.I.V. Ministries 851-A Bragg Blvd.; 6 a.m. prayer; 11 a.m. worship; Tues., 7:30 p.m. Bible class.

Alpha and Omega Outreach Ministry 2904 Camden Road; 9:30 a.m. Sunday school; 11 a.m., 6:30 p.m. worship; Wed., 7 p.m. Bible study; Fri., 7 p.m. fellowship hour.

Anderson Creek Christian Center 1680 Will Lucas Road, Linden; 9:30 a.m. Sunday school; 10:45 a.m. worship; Wed., 7 p.m. Bible study.

Bal Perazim 4921 Bragg Blvd.; 9:50 a.m. Sunday school; 10:50 a.m. worship; Tues., 6:45 p.m.; Bible study; Thurs., 11:45 a.m. Bible class.

Believers House Worldwide Ministries 2148 Rim Road; 8 a.m., 11 a.m. worship; Tues., 7 p.m. Bible study.

Blessed Family of God Church 829 Gillespie St.; 10:30 a.m. worship.

The Burning Bush 915 Ramsey St.; 9:45 a.m. Sunday school; 11 a.m., 4 p.m. worship; Wed., 7:30 prayer and Bible study.

Calvary Chapel 9610 Cliffdale Road; Sun., 10 a.m. worship; Wed. and Sat., 7 p.m. worship/teaching; www.ccfay.com

Calvary Fellowship 902 Veda St.; 10 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7:30 p.m. prayer service.

Catalpa 5217 Catalpa Road ; 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7 p.m.

Charity Church 431 Neville St.; 10:00 a.m. Sunday school; 11:30 a.m. worship.

Christ Cathedral (East) 505 Deep Creek Road; Worship, 11 a.m. Sunday; Bible class, 7 p.m. Tuesday

Christ Cathedral (North) 2400 Murchison Road; Worship, 8 a.m. Sunday; Word, 11:30 a.m. Wednesday

Christ Gospel 918 Person St.; 9:45 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7:30 p.m. Bible study; Fri., 7:30 p.m.

Christ Temple, A Monument of Faith 202 N. Main St., Spring Lake; 10 a.m. Sunday school; 11:30 a.m. worship; Tues., 7:30 p.m. Bible study; Fri., 7:30 p.m. fellowship.

Christian House of Prayer NC, 4525 Campground Road; 8:30 and 11 a.m. worship.

Christian Life Church 3429 Black & Decker Road, Hope Mills; 10:30 a.m. worship; Wed., 7 p.m. worship.

Church at Fayetteville Carolina Bible College, 817 McPherson Church Road; 10 a.m. worship.

Church of the Bridegroom 2600 Sedgefield Dr.; 9:45 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7 p.m. prayer.

Church of the Open Door 4445 Cliffdale Road; 9 a.m., 10:45 a.m. worship services and Sunday school; 4:30 p.m. AWANA; 5:45 p.m. teen meeting; 6:00 p.m. small groups; Tues., 8:45 a.m. MOPS; Thurs., 7 p.m. Praise and prayer meeting; Sat., 8 a.m. Men's Bible Study.

Church Without Walls5523 Hwy. 301 South; 11 a.m. Sun. worship; 7 p.m. Wed. Bible study

Cliffdale Christian Center 6427 Cliffdale Road; 8 and 10:30 a.m. worship; Wed. 7 p.m. worship.

Covenant Family Worship Ministries 2118 Dobbin Holmes Road; 9 a.m. Sunday school; 10 a.m. worship.

Covenant Love Family Church 420 Dunn Road, 8:00 a.m., 10 a.m. and noon worship; 10 a.m. Sunday, Fox 50 Discover Your Destiny; Wed., 7 p.m.; Web site: clfconline.com

CrossPointe Church 3110 Doc Bennett Road; 9 a.m. Christian education; 10 a.m. worship; Wed., 7 p.m. adult worship and children's church.

Crystal Springs Chapel 1120 Crystal Springs Road.; 10:45 a.m., 6:30 p.m., worship; Wed., 7:30 p.m.

Cumberland Christian Center 109 S. Plymouth St.; 8:00 a.m., 10 a.m. worship; Wed., 7:00 p.m. Bible study.

Deliverance Temple Word of Faith 5315 Raeford Road; 9:30 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m. Bible study.

Ebenezer Bible (Reformed) 1337 Bragg Blvd.; 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7 p.m. prayer meeting.

El Shaddai 1694 S. Reilly Road; 10 a.m. Sunday school; 11:15 a.m. worship (1st, 3rd Sun.).

Emmanuel Church of Our Lord Jesus Christ 898-B Marsh St.; 10 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m.; Fri., 7:30 p.m.

Evangelical House of God 108 Person St., Spring Lake; 11 a.m., 6 p.m. worship; Tues., 6 p.m., Bible study; Wed., 7:30 p.m. prayer service; Fri., 7:30 p.m. healing service.

Faith Builders Christian Center Hwy. 24 E., Stedman; 10:30 a.m., 6:30 p.m. worship; Wed., 7:30 p.m. service.

Faith Christian 5047 Yadkin Road; 10:30 a.m., 7 p.m. worship; 7 p.m. youth; Wed., 7 p.m.; Sat., 7 p.m. prayer.

Faith Christian Temple 1271 Charmain St.; 10 a.m. Sunday school; 11 a.m. worship (no services on first Sundays).

Faith Community 1075 Southern Ave.; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m.

Faith Fellowship Outreach 6252 Camden Road; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7:30 p.m.

Faith Overcomes Ministries 223 W. Russell St.; 9 a.m. Sunday prayer; 10 a.m. Sunday school; 11:30 a.m. worship; Wed. 7:30 p.m. Bible study all ages; Saturdays 11 a.m. to 1 p.m. feeding and clothing the needy.

Faith Temple Full Gospel 137 Meadowcroft Dr., 10:30 a.m. worship; 6 p.m. healing service.

Family Fellowship Worship Center Reeves Auditorium, Methodist University, 5400 Ramsey St..; 10:45 a.m. Sun. worship; 9 a.m. corporate prayer on 1st Sundays.

Fayetteville Bible Chapel 414 Country Club Dr.; 9:00 a.m. prayer meeting; 10:00 a.m. communion; 11:15 a.m. worship; 11:30 a.m. Sunday school; Wed., 6:30 p.m. AWANA; www.fayettevillebiblechapel.org

The Fayetteville Church 3611 Ramsey St.; 10 a.m. worship; Wed., 7:30 p.m. men (1st and 3rd) and women (2nd and 4th).

Fayetteville Community 2010 Middle River Loop; 9:30 a.m. Sunday school; 10:30 a.m. worship; Wed., 10 a.m. intercessors; 7:30 p.m. family enrichment.

Fayetteville Eternal Life Christian Center 223 Northwest Ave.; 1st, 3rd Sundays, 4 p.m.; 2nd, 4th Sundays, 9:30 a.m. prayer; 10 a.m. Sunday school; 11 a.m. worship.

Fayetteville Mission Church of the Living God 1569 Mintz Ave.; 10 a.m. Sunday school Bible Study; 11:30 a.m. worship; 7 p.m. Wed., Bible study

First Fruits Family Ministry Holiday Inn Express, 1709 Skibo Road, Sunday worship, 10 a.m.

Freedom Temple of Deliverance 3816 Murchison Road; 9:45 a.m. Sunday school; 11 a.m. worship; Tues., 7:30 p.m. Bible study; Wed. and 2nd and 4th Saturday, noon prayer; Fri., Praise and Deliverance, 8 p.m.

FulGospel Bible Ministries 209 Broad St.; Sun., 10 a.m. word explosion; 11:15 a.m. worship; Wed., 7 p.m. prayer, praise and Bible study.

Galilee Holiness McCall Road, Stedman; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship.

Galilee Free Will Holiness 2605 Sapona Road; 10 a.m. Sunday school; 11 a.m. and (3rd Sun.) 6:30 p.m. worship; Wed., 7:30 p.m. Bible study.

God Be Glorified Ministries 110 Old St.; 9:45 a.m. Sunday school; 11 a.m. worship; Tues.,7:30 p.m. Bible study.

Gospel Fire Holiness Church 120 Gillespie St.; 10 a.m. Sunday school; 11 a.m. worship; Wed., 8 p.m. prayer meeting and Bible study.

Grace Tabernacle Christian Center 3640 Applegate Road, Hope Mills; Sun., 11 a.m. worship; Wed., 7:30 p.m. family school of the Bible; Fri., 7:30 p.m. youth fellowship.

Guiding Star 824 Weiss Ave.; 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 9 p.m. prayer; Thurs., 8 p.m. prayer; Tues. and Thurs. noon prayer.

Harvest Response Ministries 2000 Ramsey St.; 10 a.m. Sunday school; 11 a.m. worship; Mon., 7:30 p.m. prayer; Wed., 7:30 p.m. Bible study.

Highway Holiness 2725 Providence St.; 9:30 a.m. Sunday school; 11:30 a.m., 6 p.m. worship; Wed., 7:30 p.m. Bible class.

Household of Faith World Outreach Center 468 N. Plymouth St.; 9:30 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. prayer.

House of Praise Ministries 125 N. Main St., Spring Lake; 11 a.m. worship; Wed. 7 p.m. Bible study.

Institute of Divine Metaphysical Research 1061-B Southern Ave.; Wed. and Fri. 7:30 to 9:30 p.m. and Sun. from noon to 2 p.m. (except 3rd Sunday)

Intercontinental Church of God RMA Bldg., Hwy. 87; Sat., 11 a.m. worship.

Jesus First Camden Road ; 9:45 a.m. Sunday school; 10:50 a.m., 7 p.m. worship; Wed., 7:30 p.m. Bible study.

Jesus World Outreach Center 2727 Murchison Road; 9:30 a.m. Sunday school; 10:30 a.m. worship; Tues., 7 p.m. Bible study.

Joy in Harvest Ministries 3061 N. Main St., Suite 104, Hope Mills; 10 a.m. Bible enrichment; 11 a.m. worship.

La Capilla de Paz 6175 Murchison Road; 9:30 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m. prayer and Bible study.

Manna Church 5117 Cliffdale Road; Sunday worship 8:00 a.m., 10 a.m. and noon; 6:30 p.m. youth service; Wednesday, V1sion Singles service 7 p.m.

Master Deliverance House of Prayer 263 Iris St., Raeford; 10 a.m. Sunday school, 11 a.m., 6 p.m. worship.

Mission Prayer Temple 1557 Strickland Bridge Rd.; 9:45 a.m. Sunday school, 11:15 a.m. worship; Wed., 6:30 and 7 p.m. prayer/Bible study; Fri., 7 p.m. service.

Mount Zion Church of God in Christ 3922 Bragg Blvd.; 9:30 a.m. Sunday school; 11 a.m. worship.

Murphy's Chapel 800 Robeson St.; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m. prayer and Bible study.

My Father's House Christian Church 5303 Bragg Blvd.; Sunday, 9 a.m. morning prayer; 10 a.m. Sunday School; 11 a.m. worship; Tuesday, 7 p.m. Bible study; Thursday, noon day prayer

New Beginnings 3922 Bragg Blvd.; 10:15 a.m. foundation class; 11 a.m. worship; 6 p.m. evening service; Wed., 7 p.m.

New Birth Ministries 1377 Garner St.; 11 a.m. Sunday worship, 6:30 p.m. Thursday Bible Study

New Covenant Deliverance Center 109 C St.; April 8 and 22: 10 a.m. Sunday school; 11 a.m. worship; Wed. 7 p.m. Bible study.

New Covenant Temple 4002 Carlos Ave.; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7 p.m. Bible study.

New Generation of Faith Ministries 4230 Cumberland Road; 10 a.m. Sunday school; 11 a.m. worship; 7 p.m. Wednesdays prayer and Bible study.

New Jericho Deliverance 7720 Hazelwood Ave.; 9:45 a.m. Sunday school; 11:15 a.m., 6 p.m. worship; Wed., noon, 7 p.m. prayer service; Thurs., 7:30 p.m.

New Life Bible 280 Hoke Loop Road; 10 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. Bible study.

New Life Christian Camden Road, 10:45 a.m., 7 p.m. worship; Wed., 7:30 p.m. Bible study.

New Zion Holiness 1930 Armstrong St.; 10 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m. prayer.

Noland Faith Chapel Independent Church 1493 Rim Road; 10 a.m. Sunday school; 11 a.m. worship; Tues., 7:30 p.m. Bible study; Wed., noon day prayer

Open Arms Christian Fellowship 546 Ramsey St.; Sun. and Wed. 7 p.m. worship.

Outreach for Jesus 3320 Teakwood Dr.; 10 a.m. Sunday school; 11:15 a.m., 5 p.m. worship; Wed., 7:30 p.m. Bible study.

Redeeming Love Bible Church Anne Chesnutt Middle School cafeteria; 10:45 a.m. worship.

Remnant Resurrection Discipleship Center 5444A Yadkin Road; 10 a.m. Sunday School; 11 a.m. worship; 7:30 p.m. Tuesday and Friday Bible study.

Restoration Christian Center 205 W. Russell St.; 9:45 a.m. discipleship training; 11 a.m. worship; Tues. 7 p.m. Bread of Life class; Wed. 6:30 p.m. prayer and Bible study; 3rd Fri. 7 p.m. evangelistic service.

Second Chance Christian Fellowship 5238 Delco St.; 10 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m. Bible study.

Solid Rock Bible Muscat Road, Hope Mills; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7 p.m. prayer/Bible study.

Spirit And Truth Deliverance Ministries 1831 Murchison Road; 10:30 a.m. Sunday school; 11:30 a.m. worship; Thurs., 7:30 p.m. Bible study and prayer.

Todah Adonai Messianic Fellowship meeting at Calvary Baptist Church, 1943 Pamalee Drive; Fri., 7 p.m.; Sat., 9 a.m. Hebrew-Jewish Roots Class; 10 a.m. Torah service.

Trinity Community Church 1887 Penrose Dr.; Sunday, 10:30 a.m. worship.

Trinity Full Gospel 6120 Ramsey St.; 9:30 a.m. Sunday school; 11 a.m., 6:30 p.m. worship; Fri., 7:30 p.m. worship.

True Deliverance Eastover; 10 a.m. Sunday school; pastoral day (1st, 3rd Sun.); 11 a.m., Missionary day (2nd Sun.) 11 a.m.

True Life Ministries 3935 Cemdil Dr., 11 a.m. worship; Tues., 7 p.m. Bible study-prayer.

True Victory Deliverance Tabernacle 1305 Hillsboro St.; 9:30 a.m. Sunday school; 11 a.m., 6:30 p.m. worship; Tues., 6:30 p.m.; Fri., 6:30 p.m.

True Vine Ministries World Outreach 5315 Morganton Road; 9:30 a.m. Sunday school; 8 and 11 a.m. worship; Wed., 7:00 p.m. Bible study.

True Vine Temple 628 McNeil St.; 9:30 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m. prayer meeting.

Tabernacle Christian 307 Gillespie St.; 9:45 a.m. Sunday school; 11 a.m. worship; Thurs., 7 p.m. Bible study.

Victory Christian 2972 Doc Bennett Road; 10:30 a.m. worship; Wed., 7:30 p.m.

Victory Temple Christian Center 327 Maloney Ave.; 10 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. prayer and Bible study.

Well of Living Waters Ministries 117 West Mountain Drive; 9:15 a.m. Sunday school; 11 a.m. worship; Wed., 8 p.m. Bible study; Fri., 8 p.m. jubilee.

Western Freewill Holiness Outreach Ministry 2366 Marks Road, Cameron; 10 a.m. Sunday school; 11:15 a.m. worship; Wed., 7 p.m. worship.

Whomsoever Will Let Them Come Church of God 3846 James Dail Road; 11 a.m. worship.

Wings In New Nations Christian Center 418 Old Wilmington Road; 11 a.m. worship; 6 p.m. Bible study; Tues., 7 p.m. youth and children; Thurs., 7 p.m. Bible study.

Word of Life Christian Assembly 1102 Strickland Bridge Road; 10:30 a.m. celebration; Wed., 7:30 p.m. Bible study.

Word of Life Tabernacle 5628 Nix Road; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. Bible study; Fri., 7:30 p.m. praise service; Sat., noon prayer.

Zion Cathedral Christian Church 5329 Ramsey St.; 10:45 a.m. worship; Thurs., 7 p.m. prayer/Bible study; Fri., 7:30 p.m. FIRE service.

Zion Hope Evangelistic Ministries 135 Main St., Spring Lake; 10 a.m. church school; 11 a.m. worship; Wed., 7:30 p.m. Bible study; Fri., 8 p.m. Friday Night Live.

PENTECOSTAL

Ambassadors for Jesus Christ 110 Cude St.; 9:30 a.m. Sunday school; 11 a.m. worship; Thurs., 7:30 p.m. jubilee.

Anderson Temple Church of God in Christ 723 Teacher's Drive; 10 a.m. Sunday school; 11:30 a.m., 8 p.m. worship; 6:30 p.m. young people's meeting; Tues., 7:30 p.m. prayer.

Bible Center Holy 2330 Murchison Road; 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; Thurs., 7:30 p.m. prayer meeting.

Bibleway Holy 405 Vanstory St.; 9 a.m. prayer; 9:30 a.m. Sunday school; 11 a.m. worship; Tues., 8 p.m. Bible study.

Chosen Generation 1752 Wilmington Highway; 10 a.m. Sunday school; 11:15 a.m. worship; Wed., 7 p.m. Bible study.

Eastside Pentecostal Holy Church 1004 Ellis St.; 10 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m. Bible study and prayer.

Faith Pentecostal 417 Williams St., Spring Lake; 9:30 a.m. prayer; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship.

Fayetteville Emmanuel Holiness 504 Minor St.; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship; Thurs., 7:30 prayer meeting.

Fayetteville Free Will Holiness 118 Sam Cameron Ave.; 10 a.m. Bible study; 11 a.m., 7 p.m. worship; Wed., 7:30 p.m.

First United 2813 Cumberland Road; 10 a.m. Sunday school; 10:45 a.m., 6:30 p.m. worship; Wed., 7:30 p.m. worship; Fri., 7:30 p.m. youth night.

Full Gospel Deliverance 309 S. Racepath St.; 10 a.m. Sunday school; 11 a.m. worship; services nightly at 7 p.m. except Monday and Thursday.

Galilee Holiness 2605 Sapona Road; 10 a.m. Sunday school; 11 a.m. and (3rd Sun.) 6:30 p.m. worship; Wed., 7:30 p.m. Bible study.

Galilee Holiness Stedman; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship.

Greater Highway Church of Christ 2275 Slater Ave.; 11:30 a.m. worship; Tues., 8 p.m.

Greater Hope Pentecostal Ministries No. 2 3555 S. Gillespie St.; 10 a.m. Sunday school; 11:30 a.m., 6:30 p.m. worship; Wed., 7 p.m. prayer and Bible study.

Hillside Holiness 201 Nielsen Drive; 10 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7:30 p.m.

Holy Temple First Pentecostal Church 2414 Slater Ave.; 8 a.m., 11 a.m. worship; 9:45 a.m. Sunday school; Wed., noon prayer; 7 p.m., prayer meeting; 7:30 p.m. Bible study.

Iglesia de Dios Pentecostal, M.I. 5513 Bragg Blvd.; domingo, 9:30 a.m. escuela dominical; 11 a.m. culto evangelistico.

Kingdom Place 2610 E. 5th St., Lumberton; 9:30 a.m. Sunday worship; 7:15 p.m. Wednesday disciples training service.

Northside United 5000 Arbor Road; 10 a.m., Sunday school; 11 a.m., 6:30 p.m. worship; Wed., 7:30 p.m. Bible study.

St. James United Holy 503 S. Cool Spring St.; 9:45 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m. Bible study.

St. Luke Holiness 551 Guthrie St.; 10 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m. prayer and Bible study.

Spring Lake United 1620 Lillington Hwy., Spring Lake; 9:30 a.m. Spanish worship; 11 a.m. Sunday school and noon worship; 6:30 p.m. worship; Wed., 7:30 p.m. Bible Study and Life-Focus classes; Fri., 7:30 p.m. youth.

Wesleyan Pentecostal 247 E. Mountain Dr.; 9:45 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7 p.m.

PENTECOSTAL HOLINESS

Baywood 1830 Baywood Road; 9:45 a.m. Sunday school; 10:45 a.m., 6 p.m. worship; Wed., 7 p.m. family night.

Culbreth Memorial Falcon; 10 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7:30 p.m. family night.

Damascus Road 375 Teal Dr., Raeford; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship; Tues., 7 p.m. family night.

Deliverance Jesus Is Coming Victory Center Rt. 17, Cameron Road, Hope Mills; 9:45 a.m. Sunday school; 11 a.m. worship; 7 p.m. evening praise service; Tues., 7 p.m. Bible teaching; Fri., 7 p.m. evangelistic service.

Fayetteville Deliverance Evangelist Center 517 Mount Gilead Dr.; 10 a.m. Sunday school; 11 a.m., 5:30 p.m. worship; Tues., 7 p.m. Bible study; Fri., 7:30 p.m. prayer service.

First 404 East McLean St., St. Pauls; 9:45 a.m. Sunday school; 10:55 a.m., 6 p.m. praise and worship; Wed., 7 p.m. family night.

Grace Community Graham Road, 10 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7 p.m.

Hope Mills 5855 Rockfish Road, Hope Mills; 10 a.m. Sunday school; 11 a.m., 6:30 p.m. worship; Wed., 7:30 p.m.

New Life 2023 Rogers Dr.; 10 a.m. Sunday school; 11 a.m., 6 p.m. worship; Wed., 7:30 p.m.

Mount Carmel 2569 Owen Dr.; 9:45 a.m. Sunday school; 10:50 a.m., 6 p.m. worship.

Northwood Temple 4250 Ramsey St.; 8:30 a.m., 10:50 a.m. and 6:30 p.m. worship; 9:45 a.m. Sunday school; Wed., 6:45 p.m. family night. Spanish services: 9:30 a.m. Sunday school; 10:45 a.m. worship; Wed., 7 p.m. Bible study.

Oak Ridge Hwy. 13, Wade; 9:45 a.m. Sunday school; 11 a.m. worship, Wed., 7:00 p.m.; nursery and children's church available.

Shiloh Godwin; 10 a.m. Sunday school; 11 a.m. worship; 6 p.m. worship (1st, 3rd Sun.)

Stedman 9:45 a.m. Sunday school, 10:45 a.m., 6 p.m. worship; Wed., 7 p.m. Bible study.

PRESBYTERIAN

Bethel Korean American 901 Bunce Road; 11 a.m., 7 p.m. worship; 2 p.m. Bible study; Wed., 7:30 p.m.; Fri., 8 p.m. prayer meeting.

Big Rockfish NC Highway 59 and US Highway 301, Hope Mills; Sunday services at 9:45 and 11 a.m.

Bluff Church St., Wade; 9:45 a.m. Sunday school; 11 a.m. worship.

Church of the Covenant 106 Manchester Road, Spring Lake; 10 a.m. Sunday school; 11 a.m. worship; Wed., 7 p.m.

College Heights 1801 Seabrook Road; 9:45 a.m. Sunday school; 11 a.m. worship.

Cross Creek (PCA) 430 S. McPherson Church Road; 9:30 a.m. Sunday school; 10:45 a.m. worship.

First 102 Ann St.; 8:30 a.m., 10:55 a.m. worship; 9:45 a.m. Sunday school; Wed., 12:30 p.m. devotion service, chapel. Wed., 5 p.m. evening meal, 6:30 p.m. Bible classes.

First 101 Spring Ave., Spring Lake; 9:55 a.m. Sunday school; 11 a.m. worship; Wed., 7:30 p.m.

Galatia 8800 Galatia Church Road; 9:55 a.m. Sunday school; 11 a.m. worship; 6 p.m. youth.

Godwin Main St., Godwin; 10 a.m. Sunday school; 11 a.m. worship (2nd, 4th Sun.).

Haymount 2760 Rosehill Road ; 9:45 a.m. Sunday school; 11 a.m. worship.

Highland 111 Highland Ave.; 9 a.m. second mile service, 9:45 a.m. Sunday school; 8:45 a.m., 11 a.m. worship; 6 p.m. youth fellowship; Wed., 5:45 p.m. supper.

Hope Mills 3712 S. Main St.; 10 a.m. Sunday school; 11 a.m. worship.

Korean 1251 Ireland Drive. 10 a.m. Sunday school; 11 a.m. worship, Wed., 7:30 p.m.

Mars Hill 301 S., Hope Mills. 9:45 a.m. Sunday school; 11 a.m. worship (no 5th Sun. worship); Thurs., 7:30 p.m. Bible study.

Mision Presbiteriana Hispana 5302 Raeford Road; 10 a.m. Sunday school/escuela Dominical; 11:15 a.m. worship/Culto de Adoración.

McMillan U.S. 13, Wade; 10 a.m. Sunday school (1st, 3rd, 5th Sun); 11 a.m. worship (1st, 3rd, 5th Sun.); 10:30 a.m. Sunday school (2nd, 4th Sun); 9:30 a.m. worship (2nd, 4th Sun).

MacPherson 3525 Cliffdale Road; 9:50 a.m. Sunday school; 9 a.m., 11 a.m. worship; 6 p.m. youth group.

Palestine Hwy. 401 N.; 9:00 a.m. worship.

Parkton 307 Second St., Parkton; 10 a.m. Sunday school; 11 a.m. worship; 5:30 p.m. young people.

Peace 3203 Ramsey St.; 9:45 a.m. Sunday school; 11 a.m. worship.

Providence (PCA) 2801 Ramsey St.; 9:30 a.m. Sunday school; 10:45 a.m., 6 p.m. worship; Wed., 6:30 p.m. Bible study; Fri., 7:30 a.m. Bible study.

Reilly Road 208 S. Reilly Road; 9:45 a.m. Sunday school; 11 a.m. worship; Tues., 6 p.m. Bible study.

Sardis Main St., Linden; 10 a.m. Sunday school; 11 a.m. worship; 5:30 p.m. youth fellowship.

Sherwood N.C. 87 S.; 10 a.m. Sunday school; 11 a.m. worship; 5:30 p.m. youth.

Southview Elk Road, Hope Mills; 10 a.m. Sunday school; 11 a.m. worship.

Sunnyside Sapona at Rock Hill Road, Vander; 10 a.m. church school; 11 a.m. worship; 6 p.m. youth.

Vaughn Memorial 2701 Fort Bragg Road; 9:45 a.m. Sunday school; 11 a.m. worship.

Village 5303 Spruce Drive; 9:45 a.m. Sunday school; 11 a.m. worship.

Westminster 2505 Village Drive; 9:45 a.m. Sunday school; 11 a.m. worship; 5:30 p.m. youth; Wed., 5:45 p.m. fellowship supper.

QUAKERS (RELIGIOUS SOCIETY OF FRIENDS)

Fayetteville Friends 223 Hillside Ave.; 5 p.m. worship; 6 p.m. adult discussion.

REFORMED

Protestant Reformed Fellowship 2926 Breezewood Ave.; 10 a.m., 5 p.m. worship; Wed., 7 p.m. Bible study.

REFORMED BAPTIST

Sovereign Grace Fellowship 430 S. McPherson Church Road (Cross Creek Presbyterian Church); 10:45 a.m. worship; Wed., 6:30 p.m. worship.

SALVATION ARMY

Salvation Army 220 E. Russell St.; 10 a.m. Sunday school, 11 a.m. and 6:30 p.m. worship. Tues., 6 p.m. prayer meeting, 6:30 p.m. women's ministry, men's club.

SEVENTH-DAY ADVENTIST

Abney Chapel 2996 Rosehill Road; 9 a.m. Sabbath school; 11 a.m. worship; Wed., 7 p.m. prayer meeting.

Fayetteville Church 2601 Lone Pine Dr.; Sat., 9:30 a.m. Sabbath school; Sat., 11 a.m. worship; Sat., one hour before sunset worship; Wed., 7:30 p.m. study and prayer.

Seventh-day Adventist 2522 Camden Road; Sat., 9:15 a.m. Sabbath school; Sat., 11 a.m. worship; Sat., one hour before sunset worship; Wed., 7:30 p.m.

UNITARIAN-UNIVERSALIST

Unitarian-Universalist 106 Hay St. #108, 3rd floor; 1st, 2nd, 3rd Sunday, 11 a.m.

UNITED CHURCH OF CHRIST

Congregational Christian 3314 N. Main St., Hope Mills; 10 a.m. Sunday school; 11 a.m. worship.

Eutaw, Congregational Christian, 900 Stamper Road; 9:45 a.m. Sunday school; 11 a.m. worship.

UNITED CHURCH OF GOD

New Covenant 922 Gillis St.; 10 a.m. Sunday school; 11 a.m. worship; 7 p.m. worship (2nd, 4th Sun.), Tues., 7:30 p.m. prayer.

WESLEYAN

Faith 2874 Legion Road; 9:45 a.m. Sunday school; 11 a.m., 7 p.m. worship; Wed., 7 p.m. prayer.

An FHA loan is a mortgage loan insured by the Federal Housing Administration. FHA is part of the U.S. Department of Housing and Urban Development (HUD). FHA insures loans made by banks, savings and loans, mortgage companies, credit unions and other approved institutions. FHA does not originate loans. Since 1934, FHA has offered mortgage insurance programs which help people purchase homes with a modest down payment. Title II, Section 203(b) is the most often used single family program. Under this program a borrower may obtain a ten, fifteen, twenty, twenty-five or thirty year loan to purchase an existing one- to four-family home in a rural or urban area.

In recent years, Fannie Mae and Freddie Mac have introduced low down-payment programs also--the Community Home Buyer program for example. Consequently, FHA loans are less popular than they once were. The loan limits for FHA loans vary geographically.

Mortgage Insurance: In 2000, in recognition of the continued strength and increase in the MMI Fund, FHA revised its Upfront Mortgage Insurance Premiums (UFMIP) policy for all loans closed on or after January 1, 2001. The new UFMIP is 1.50 percent and the borrower does not have to be a first-time homebuyer or to have received homeownership counseling. The refund schedule has also been shortened to a five year time period. The up-front MIP may be financed, and in addition, there is a monthly MIP payment which is calculated by multiplying the loan amount by .5 percent and dividing by twelve. Condominiums do not require up-front MIP--only monthly MIP.

In the past, some FHA borrowers needed to pay annual mortgage insurance premiums throughout the life of the mortgage. The new rule specifies hat annual mortgage insurance premiums will be automatically canceled for all loans closed on or after January 1, 2001 under the following conditions:

• For mortgages with terms of more than 15 years, the annual mortgage insurance premiums will be canceled when the loan-to-value ratio reaches 78 percent. The mortgagor has to pay the annual mortgage insurance premiums for at least five years.
• For mortgages with terms equal or less than 15 years and a loan-to-value ratio of 90 percent or greater, the annual mortgage insurance premiums will be canceled when the loan-to-value ratio reaches 78 percent, regardless of the length of time the mortgagor has paid the annual mortgage premiums.
• For mortgages with terms equal to or less than 15 years and a loan-to-value ratio of 89.9 percent and less, the annual mortgage insurance premiums will not be charged.

The annual MIP for 30 year loans is 0.5%. 15 year loans is 0.25%. 15 year loans less than 90% ltv, Zero.

 

Down Payment Gifts: One of the key benefits of an FHA program is that you do not have to use your own funds for the down payment. Under certain conditions, gifts are allowed if the donor is a relative, a close friend, an employer, or a humanitarian, welfare, or charitable organization. A gift letter, signed by the donor, is required stating the amount given and specifying that no repayment is expected, (See HUD Handbook 4000.2 REV-2)

Bridal Registry: The Bridal Registry Account allows couples who are getting married to open a bridal registry savings account with a participating Federal Housing Administration approved bank. Family and friends may deposit cash wedding gifts directly into the interest-bearing account.

FHA Streamline Refinance: FHA has made it very easy for borrowers to refinance their existing FHA loans. If your mortgage is currently FHA insured, your payments have not been late, you are not taking cash out, and you are reducing your payment--you may qualify for the FHA Streamline Refinance Program. An FHA Streamline Refinance typically does not require an appraisal

203(k) loan: FHA insures rehabilitation loans for owner-occupants, municipalities and non-profit housing providers to finance 1) rehabilitation of an existing property, 2) rehabilitation and refinancing of a property, and 3) the purchase and rehabilitation of a property.

Investors must have a 15 percent down payment and can purchase (or refinance) and rehabilitate properties for rental purposes or sell the property (and get their profit using the Escrow Commitment Procedure) to a qualified Homebuyer (who assumes the loan).

203(k) can be used with one- to four-family dwellings, condominiums and HUD homes that require a minimum of $5,000 in repairs. CO-OPS ARE NOT ELIGIBLE. Garden apartment style row housing can be converted with 203(k) to fee simple or condominium with the addition of firewalls every four units. 203(k) loans can be used to bring illegal dwellings into code compliance.

Mixed use residential property is acceptable provided the property has no greater than 25 percent for a one story building; 33 percent for a three story building; and 49 percent for a two story building of its floor area used for commercial (storefront) purposes. The rehabilitation funds can only be used for the residential functions of the dwelling and areas used to access the residential part of the property.

Reverse mortgages for seniors: Homeowners sixty-two and older who have paid off their mortgages or have only small mortgage balances remaining are eligible to participate in HUD's reverse mortgage program. The program allows homeowners to borrow against the equity in their homes.

Homeowners can receive payments in a lump sum, on a monthly basis, or on an occasional basis similar to a line of credit. Under certain circumstances, homeowners may restructure their payment options.

Unlike ordinary home equity loans, a HUD reverse mortgage does not require repayment as long as the borrower lives in the home. The reverse mortgage is repaid in one payment, after the death of the borrower, or when the borrower no longer occupies the property as a principal residence. Upon sale of the home, any remaining equity goes to the homeowner or to his or her survivors. If the sales proceeds are insufficient to pay the amount owed, HUD will pay the lending institution the amount of the shortfall.

The maximum amount of the reverse mortgage is determined by multiplying the maximum claim amount by the factor corresponding to the age of the youngest borrower and the expected rate. It is beyond the scope of this document to present the factorial tables required to calculate your particular maximum loan amount.

Home Improvement FHA Title 1 loans: Under Title I, FHA insures loans obtained for repairs, alterations, and improvements to existing structures, and for the building of small new structures for nonresidential use. The property can be non-residential, multi-family, or single-family. Interest rates on these loans are set by HUD-approved lenders.

Have you ever wondered what the Perfect Purchase Transaction would look like? Close your eyes and dream about it for a minute… Few inbound phone calls. Your cell phone never rings. Clients leave so ecstatic with your service that they hand you three names of people they know who are ready to sell their homes or want to buy in your area. You enjoy shorter workdays during the process because everything clicked. Okay, WAKE UP! The dream has ended.

Yet, that dream is possible. Although you work in an innately reactive business, it is possible to be proactive and stave off the reactive nature of day-to-day dealings. But, you must create a system. Think through each step of the process and ask yourself, "How can I make this better?" or "How can I take this reactive activity and be proactive to curtail it?" Here's the key: Create the Perfect Purchase Transaction.

The drill: Sit down with all your team members, those individuals on your immediate staff as well as your extended team - Your Lender, Escrow Officer, Title Representative, Home Inspector, handy man, Home Warranty Representative, etc. Then on blank index cards note the steps that take place pertaining to any purchase. The first card would document the initial phone call or touch point. The last card could describe the note you sent on the one-year anniversary since the transaction closed, congratulating your buyers on that memorable date. Each of the middle cards should highlight and detail every contact required throughout the process to ensure the Perfect Purchase Transaction.

In the lower, right-hand corner of each index card, jot down the initials of the individual tasked with executing the particular activity. It would be helpful to conduct this meeting in a conference room with a table long enough to spread out the index cards for easy viewing. Create a snake of index cards, beginning with the first point of contact. As you sift through this snake and examine each index card, determine where any snags or breakdowns occur. Contemplate any ways to improve each interaction.

From there, separate the index cards into stacks, sorted by initials. Are any of the stacks top heavy? Do any of the stacks contain more activities than it's humanly possible to service at the level of professionalism needed to "WOW" a customer? Do any cards in these stacks need to be redistributed? Can any cards be discarded?

This will help you visualize every point of contact and critical element of your Perfect Purchase Transaction process.

While a short sale may be a last resort for many homeowners facing foreclosure, it also represents a great opportunity for potential home buyers and real estate investors. This article is designed to help answer a few basic questions about the substantial risk and reward involved in this extremely complex and often drawn out process.

What is a Short Sale?

A short sale is a legally-binding agreement to allow a home to be sold for less than the amount that is owed. And, while short sales are not by any means common or easy, because of increasing inventory levels and foreclosures in some parts of the country, lenders are much more eager to negotiate with borrowers who are having trouble paying their mortgages. For potential home buyers and real estate investors, a short sale also offers a great opportunity to purchase property at a significant discount.

However, don't expect a lot of help from the lender without first providing a sales contract from a qualified buyer and all the information required by the lender's loss mitigation department.

Of course, lenders are not looking to bail out "flippers" or other borrowers who simply overextended themselves. In most cases, a borrower must have suffered a serious financial hardship that directly caused him or her to default on the mortgage: the loss of a job, a serious illness, or the death of a loved one.

A written declaration and supporting documentation demonstrating financial hardship will definitely be required by the lender. This may include pay stubs, tax returns, and liquid asset statements, among other documentation.

Key Considerations to Keep in Mind

The lender will likely issue a 1099 to the seller for the difference between what is owed and the final amount the lender collects after the costs of the sale, including real estate commissions and possibly other charges. This means that the difference or deficiency can be considered as taxable income to the borrower. Some lenders may even attempt to get the existing homeowner to sign a note for the remaining amount due.

If there are multiple liens against the property, all lien holders will have to be involved in the negotiation process, not just the first lien holder. Therefore, communication and patience are essential components of any short sale. This is why an experienced real estate agent and mortgage professional become so valuable to this process.

Do You Live in a High-Cost Region?
Not everyone will benefit from these temporary loan limit increases, but experts estimate that areas in at least 17 states will be able to take advantage of it. So how do you know if your neighborhood qualifies?

A high-cost region is typically determined by the median value of its homes. The median value is the specific price that is halfway between the least expensive and most expensive home sold in an area over a given period of time. Do not confuse this with the average home price. The median home price is the price at which half of all buyers bought more expensive homes and half of all buyers bought less expensive homes.

If that sounds confusing, don't worry. It is the responsibility of the Department of Housing and Urban Development (HUD) to determine, within the next 30 days, what the median home price is for regions across the country. But I don't want you to wait until HUD makes its determination; give me a call to discuss if you might benefit from this new legislation.

Generally, a borrower's income may not exceed 100% of the area median income for the borrower to be considered eligible for MyCommunityMortgage^TM but Fannie Mae makes exceptions to this limit for particularly high-cost areas:

•·         120% of AMI in the Portland-Vancouver-Beaverton, OR-WA MSA

•·         120% of AMI in the Seattle-Tacoma-Bellevue, WA MSA

•·         135% of AMI in the Boston-Cambridge-Quincy, MA-NH MSA

•·         140% of AMI in the State of California

•·         165% of AMI in the New York-Northern New Jersey-Long Island, NY-NJ-PA MSA

•·         165% of AMI in Dutchess, Orange, and Ulster Counties (New York)

•·         170% of AMI in the State of Hawaii

For more information, see Borrower Income Limits in the Selling Guide, which is available through AllRegs' Online Fannie Mae Single-Family Guides.

Do you qualify for a better rate?

The Economic Stimulus Act of 2008 is a $168 billion plan intended to jumpstart the sliding U.S. economy. While a lot of media attention has been focused on the $600-$1,200 rebate checks that millions of taxpayers will begin receiving this spring, the new bill is also designed to help certain "high-cost regions" of the struggling housing market by:

• Temporarily increasing the "conforming loan limit" from $417,000 to as high as $729,750 in specified areas; and
• Temporarily increasing the size of loans the Federal Housing Administration (FHA) can insure from $362,000 to as high as $729,750 in specified areas.

If you're looking to purchase or refinance a home in a "high-cost region," this is great news. These temporary increases could help you avoid the higher interest rates associated with "non-conforming," or jumbo, loans. Although these new limits only apply until the end of 2008, the legislation does not exclude the refinancing of any past mortgages into these new "conforming loans." That means, if you qualify, you can take advantage of the new limits no matter how many years have passed since you obtained your mortgage.