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    • The Truth About Section 8

      I never knew exactly what Section 8 was until I was in my mid to late twenties. All I knew growing up was that a lot of single moms were on Section 8, but that was the gist of it. However, now that I'm older I understand that it's a housing program to help those in need and I don't want the stigma of it only being for single moms to continue. So, I figured if I was misinformed of exactly what it is then there may be other people I could help educate on exactly what Section 8 provides. I. Housing Choice Vouchers Section 8 is actually apart of the housing choice voucher program. So, what is a housing choice voucher? The housing choice voucher program is the federal government's major program for assisting very low-income families, the elderly, and disabled to afford decent, safe, and sanitary housing in the private market. This program allows the family, individual, or participants to find their own housing which includes single-family homes, townhouses, and/or apartments. The housing does have to meet the requirements of the program but is not limited to subsidized housing projects. These vouchers are administered by PHAS better known as public housing agencies. The funds PHAS receive come from HUD better known as the U.S. Department of Housing and Urban Development which administers the housing program. If a family or individual qualifies for the program and receives a voucher, the family or participant is responsible for finding suitable housing where the owner/landlord agrees to rent under the voucher program. In some cases, the current resident of the applicant may participate in the program. Any housing choice must meet the minimum standards of health and safety as determined by the PHA. A certain amount of the rent will be paid to the owner/landlord directly by the PHA on behalf of the family or individual. If there is a difference in the amount then the family is responsible for the difference. In some cases, the voucher can even be used to purchase a home - a modest one. II. How Do Housing Vouchers Work? The actual housing choice is up to the family to decide. The local PHA will encourage the qualified participants to consider several housing choices to ensure they find the appropriate fit. Under federal guidelines, the housing unit selected by the family must meet health and safety standards before the unit can be approved. Once a unit is found and the family and landlord agree on leasing arrangements then the local PHA must inspect the dwelling and determine the size and rent amount is reasonable. The PHA has a formula that is used along with the set payment standards and calculates the amount of housing assistance a family will receive. However, despite what the PHA comes up with that does not mean the landlord is required to lower or adjust the rent amount or lease duration. Families can choose a unit that is below or above the PHA payment standard. Furthermore, the qualified family is required to pay 30% of its monthly adjusted gross income for rent and utilities. If the rent is greater than the payment standard, the family will have to pay the difference. However, if the family moves where the rent exceeds the payment standard, that family may not pay more than 40% of its adjusted monthly income towards rent. III. Who Is Eligible? The PHA determines eligibility based upon the total annual gross income and family size. US Citizens and specified immigrants who have eligible immigration status can qualify. The income of the family cannot exceed 50% of the median income for that county. According to PHA's federal guidelines, a PHA must provide 75% of its vouchers to applications whose income does not exceed 30% of the median income. Hud publishes median income level and is varied by location. PHA will collect family income, assets, and composition information during the application process. This information will be verified with the family's employer, local agencies, banks, and other sources to determine eligibility and the amount for assistance. If you are deemed eligible you will be placed on a waiting list unless they have immediate availability. If you are placed on the waiting list, once your name is reached a representative from the PHA will contact you and assist with your steps moving forward. IV. Waiting List Often the demand for housing assistance exceeds the limited resources available. Unfortunately, long waiting periods are common. If the PHA has more families on the waiting list than can be assisted within a certain period of time it is possible that they will close the waiting list until more families can be assisted. The local PHA can establish local preferences when selecting candidates from the waiting list. It is possible that a homeless family could be chosen first over a non-homeless family. If a family is involuntarily displaced or is paying more than a certain percentage of their income for rent they may supersede another candidate on the waitlist with less dire circumstances. If a family falls under these preferences than they would move ahead of a family who did not fall under any of these preferences. PHA has the discretion to establish these preferences based on the housing needs and priorities of its community. "As a side note, the PHA also offers a public housing program. This is different than the housing voucher program. If there is a long waitlist for the housing voucher program, applicants for the housing voucher program can be asked to be placed on the waitlist for the public housing program." V. Can I Move & Still Recieve Assistance? The government is aware that family needs change over time. They know that family sizes increase and decrease and that employment can also change. Luckily, the program is designed to allow families to move without the loss of assistance. Families must notify the PHA ahead of time, terminate the existing lease within the lease provisions, and find another acceptable dwelling. According to the housing voucher assistance program, new voucher-holders may live anywhere in the United States that falls under the jurisdiction of that PHA. If the new voucher holder does not live in the jurisdiction of the PHA f at the time of applying than the family is required to lease a unit within that jurisdiction for the first 12 months of receiving assistance. If a family wants to move to another PHA's jurisdiction then they need to consult with that specific PHA before moving. VI.What Role Does Each Party Play? So, your family found housing and your local PHA approves- what happens next? At this point, it is time for you to sign the lease. t the same time that you're signing the lease the landlord and PHA will sign a housing assistance payment contract that runs for the duration of the lease. You as the tenant, your landlord, and the PHA now have obligations and responsibilities under the voucher program. As the tenant, you may be required to pay a security deposit as most landlords/owners require same. When your lease expires the landlord/owner may renew the lease or move you to a month-to-month lease. While you are under the lease you are required to comply with the lease and voucher program requirements. Rent should be paid on time and the condition of the unit should be maintained. If anything changes with your income or family size you should notify your local PHA immediately. Now that you have a landlord he/she is also required to provide and maintain certain things. The Landlord is required to provide a safe and sanitary living environment. The unit should pass the housing quality standards and these standards must be maintained as long as the owner/landlord is receiving the housing assistance payments. The landlord is also required to provide any services as agreed upon in the lease and/or contract with PHA. You've moved in at this point - is there anything else that the PHA is required to or able to do? The PHA has the right to terminate assistance payments if the landlord/owner fails to meet obligations under the lease. The PHA is also required to reexamine your income and size annually. In addition, to a re-examination of your information, the PHA must inspect your dwelling at least once a year to ensure it meets the housing standards. During the entire process, HUD is monitoring the PHA administration to ensure that the rules of the program are adhered to and no fraudulent activity or unlawful activities are occurring. VII. How Do You Apply? Contact your local PHA and/or for further assistance contact the HUD Office nearest you. HUD has other subsidized programs and you can obtain a list of same from your local HUD office.

    • To Have or Not To Have Protection? Renters Insurance & You

      It rained in your house and now your brand new couch is more like an overly used sponge. That tree your husband has been meaning to cut down just hit the house and now you have your own sunroof. The kids plugged up all their game systems, in addition to having all the lights on and the microwave was running thus causing a surge to the house and now the 56" TV is fried. Initially, you are irate, fed up, pissed off and the list probably goes on until you realize you were prepared for this very moment, you know how- Renters Insurance. WHAT IS RENTERS INSURANCE? Renters insurance does not cover the space in which you live when you are renting, it covers you. Renters insurance will cover your personal belongings and offers liability coverage for injuries or damage you are legally found liable for. Sometimes renters insurance is broken down into categories such as contents insurance and liability coverage. Contents insurance pays for your possessions if they are damaged or stolen. Liability coverage will help protect you if your apartment floods or catches fire and it affects a neighbor or if someone is hurt it can help cover those costs. WHY DO I NEED RENTERS INSURANCE? If something happens to your home as a result of a natural disaster, it is more than likely your responsibility to replace any of your damaged belongings. Renters insurance will help protect your items in the event of water damage, windstorms, lightning, theft, burglary, and/or vandalism. Although these occurrences may hot happen frequently it always better to be prepared. If you consider all the importance of your belongings and start adding up costs you may be able to see just how much having renters insurance would protect you in the long run. Most people have furniture, clothing, baby items, electronics, and other items in their homes worth value. Now imagine trying to replace all, or the majority of all those things at one time due to an unexpected event. The key is to always be prepared so that when things happen you don't have to get prepared. AN IN-DEPTH BREAKDOWN OF WHAT RENTERS INSURANCE COVER Now each policy is different so be sure to do your research as to what you need and what is offered. All coverages are different based on your particular policy. Nevertheless, we can go over the items and circumstances that are commonly covered by most renter insurance companies. I. Theft - You just bought that awesome 72" TV from Best Buy and boy, oh boy does it have a great picture. You get home, get it all set up, and realize you're missing the HDMI cord you need to hook up your gaming console. So, you leave to run back to the store to get the cord, but when you get home someone has broken into your house and stolen your new TV- tragic. What can you do? Well, if you have personal property coverage through your renter's insurance you can file a claim which will either provide you with some or all of the money needed to replace that television. In some cases, renters insurance can also protect you when you're not at home. Let's say you were taking TV over to your friends for an epic movie night but someone robs you at a gas station, it is possible that your renters insurance would cover part or all of this claim as well. II. Not at Fault Damage - Your brand new TV is plugged into a surge protector and you are playing your favorite game on Xbox (of course) and suddenly the plug sparks and a fire catches- what is there to do? You have to leave the house because of the smoke inhalation and repairs, so what options do you have? The great thing is your renters insurance can help you replace your personal belongings that were damaged. The extra added plus is that if you have "loss of use" coverage with your policy it will help pay for your temporary living arrangements until the house is habitable again. The same instance would apply if there was a major pipe burst, flood, leak or etc. III. At Fault Damage - The benefits of liability coverage can be applied here. You're over at your best friend's house playing Super Mario Cart on the Wii. You're winning and get overly excited and accidentally throw the remote into the TV. Thus, not only creating a crater in your friend's TV but leaving it inoperable. What are you to do? Once again here is where your renters insurance can save you. Liability coverage can also cover damages caused by you or members of your family including pets. So think of it just like full coverage car insurance. If you get into an accident at fault or at no fault of your own your insurance can help in finding a remedy to that problem. Renters insurance can protect you not only at home, or in travel, but also in the event you cause damage at another residence. How great is that? IV. Injury - You know your grandmother is coming over so you make sure to clean the house and have it ready so grandma does not have any reason to fuss. So, before grandma comes over you mop the house really well, but when she arrives the floor has not fully dried. Grandma walks in the door but before she gets to her favorite chair at your house she slips and falls. Now grandma has to go to the doctor and medical bills have incurred- what are you going to do? Although, not a frequent occurrence, it is possible and you could be left with extensive medical bills. There are policies that will cover these types of incidents as well through your renters insurance. WHAT DOES RENTERS INSURANCE NOT COVER? I. Auto Theft - Your renters insurance will generally cover the theft of personal belongings if stolen from your car, but will not cover the actual car if stolen. II. Expensive Items (Exceeding a certain amount) - It is possible to insure valuable items using your renters insurance policy, but more than likely your insurance will have a coverage limit for these types of items. In some cases, you can purchase a supplementary policy to cover these items. They may have specific policies for expensive jewelry or electronics. You do not want to be in a situation where something is damaged, but unable to be covered under the policy. Be sure to compare policies and call if you have more specific questions. III. Flood & Earthquakes - Most renter insurance policies cover natural disasters. However, floods and earthquakes typically are not included in this coverage. If you happen to live in an area where this is common, make sure you check that the policy you have or plan on having covers these instances. IV. Non Resident Items - The only items covered by your renters insurance are belongings owned by those who live in your house. More than likely your renters insurance will cover your spouse and children. Some policies will allow you to cover your young adults if they are away at college. However, if you have a roommate they would want to have their own personal property and liability coverage through their own renters insurance policy. V. Landlord Responsibilities - If you live in an apartment building your landlord should have their own insurance that covers damage to the units. For example, if your apartment catches fire your renters' insurance will help replace your personal property, while your landlord's insurance should pay for the restoration to make the apartment habitable. KNOW YOUR POLICY Of course, all renters insurance policies are different and you will need to refer to your own individual policy to see what is and what is not covered. You need to make sure you know your coverage limits and deductibles and what type of coverage you have. Remember there are two types of coverage for personal property: the replacement cost and the actual cash value. Replacement cost means your renters insurance company will pay you the cost to replace the damaged or stolen item with something comparable. Actual cash value coverage means that your insurance company will take into account the depreciation and you will receive an amount that they believe the item is actually worth. Make sure you verify your type of coverage. PRICE OF RENTERS INSURANCE The average premium for renters insurance is about $15-$25 a month, but this varies based on location and the coverage needed. There are factors that will help determine the type of coverage you need and the price. If you are in area that is more frequent to floods and natural disasters then it could be higher. If you are in an area that is considered high risk for crimes and theft then it is also possible there would be an increase in your renters insurance. The price of your coverage will also depend on the value of the items you want to insure if you want personal property coverage and/or liability and the amount you choose for your deductible. IN CLOSING Renters insurance is a layer of protection that can help you in the event of a loss. Initially, this can seem to be an unnecessary bill, but if one day your house is flooded and all your clothes are ruined- it may become a necessary bill to help get your life back on track. Did you know that a lot of car insurance companies will let you bundle renters insurance with your policy? It is also possible that by bundling these policies you can receive a discount. Remember that even if you think you can replace all your belongings in the event something was to happen, renters insurance could help keep you from ending up in a financial crisis. Also, if you are found liable for extensive damage, you could end up needing to file bankruptcy - renters insurance could help prevent this. You should seriously consider your financial ability to cover unexpected costs that can arise from incidents that would normally be considered under renters insurance. In addition to having to cover an incident if a situation was to arise consider the normal bills and day to day cost of living you would still be required to maintain or handle. You want to make sure that you are not in financial straits. Even if you feel that these situations are unlikely to occur, you may want to reconsider. There is not one person who likes to spend money on a service they may never use, but no one wants to go broke trying to fix a situation they could have had taken care of in the beginning either. Every day we are alive anything could happen. No matter what we predict for the day, all days are unpredictable and we need to be prepared. Maintain your peace of mind and get renters insurance.

    • In 2020, Money CAN Buy You Happiness!

      I. Where is the money? By now, like most Americans, you’re waiting on the second round of stimulus checks- me too! Most of us expected the second round of checks to come in the month of August, but unfortunately, Democrats and Republicans have failed to come to a consensus- not surprising. From different articles I’ve had the pleasure of reading, it seems that the base amount of $1,200 has been agreed upon for adults and $2,400 for married couples, but the amount for dependents is still being thrown around. According to FoxBusiness.com “ President Trump called on Congress to approve a fresh round of $1,200 stimulus checks for American families by reallocating $300 billion in unused coronavirus relief funds.” Supposedly Trump was going to make an executive decision to make this happen, but he could not due to needing approval from Congress. So, once again many Americans are being left in limbo waiting on the people in power to make a decision. Until a decision is made, I suppose now would be a good time to consider how you plan to spend it. Well before we discuss how to allocate the funds from the second check, let’s go back and think about what we did with the first one. II. Bills & Debt - How should I have spent my first stimulus check? If I remember correctly the first round of stimulus checks went out in mid-April right around the time business and schools were closing down due to the increase in Coronavirus victims and deaths. Losing a job or having to call off work due to having to watch our children ( i.e. schools closed) caused a lot of people to lose their financial stability. So for many Americans just like myself, we used the first round of checks to catch up on bills or pay some bills ahead for the uncertainty of what the future would bring. Now generally most people would probably say that’s what you were supposed to do with that money- take care of your financial business. On the other hand, I wonder what people did who were not in financial straits. I wonder if they used their money for trips, events, or outings with friends, family, or loved ones - creating memories. Considering that unemployment was granted shortly thereafter for most people who lost employment because of the pandemic, then it would be safe to assume that some of us who chose to be responsible with the initial stimulus check could have instead chosen to use that money to make memories. Additionally, what about the low-income residents across the United States, what is your opinion on what they should do with the unexpected lump sum of money? For some people, unfortunately living in dire straits is a regular occurrence. The lump sum of money that the first stimulus check provided for the lower-income may not have been best utilized for bills. That first stimulus check could have been the largest amount of money they had ever had at one time. Now, what would you do in that scenario? If, no matter what you paid, you still would be behind- would you rather pay that bill or pay for a lifelong memory as we see on social media as portrayed by the “financially stable”. Even if you are not considered low-income and you decided to use the first check to catch up on bills - I bet secretly you had something else you would have rather spent that money on, right? III. Spend, Save, Stress & Repeat Heartsill Wilson once stated “What I do today is very important because I am exchanging a day of my life for it. When tomorrow comes, this day will be gone forever, leaving something in its place I have traded for it. I want it to be a gain, not a loss - good, not evil. Success, not failure, in order that I shall not regret the price I paid for it.” As humans every day we are faced with the choice to decide between what we need to do and what we want to do. Society has a way of convicting financially irresponsible or unstable people because of personal preferences, experiences, or opinions. However, society fails to realize that even though it condemns people for their financial spending, its ultimately no one else’s decisions, but yours. I read many articles about investing in stock, putting the funds in a high yield savings, or making an emergency account. Honestly, with the state of the economy right now and the stress, this pandemic has put on people across the world it may actually prove to be more beneficial to use that money for something that will bring you joy. According to The American Institute of Stress “Stress is a leading cause of premature deaths”. Quite frankly, of all the possible things you can die from I’m pretty sure stress is not the way any of us want to go out. Not to mention the very old phrase I’ve heard many older and wiser individuals tell me “ you can’t take the money with you when you die anyway”, thus making me wonder why we put so much effort in becoming rich and filling bank accounts with huge wads of cash - somewhat pointless honestly (minus college education and things like that). So, with that, I honestly ask you, how many of the average American people are/were actually in a position financially (pre-COVID/post-COVID) to help ensure a better future for them or their loved ones? Moreso, what big of a difference honestly would $1,200 make in the pursuit of ensuring the financial stability of you or your loved ones? Quite frankly- not much. After careful deliberation with myself and the people in my head (just joking), I’ve decided that the next stimulus check should predominantly bring my family and me some joy. I’ll even be honest and add that a portion may go to bills as that is just in my character, but I did promise myself that after all the stress and anxiety that 2020 has already brought the nation, we deserve to create a memory worth having out of it - one that brings joy not stress. Besides, according to Corporate Finance Institute “A stimulus check is a check sent to taxpaying consumers by a government. Stimulus checks are given to boost the economy by providing consumers with funds to spend. Consumer spending is an essential component of a healthy economy and, in times of economic uncertainty, it usually decreases. Therefore, the government will provide stimulus checks to keep the consumer outlook strong and encourage spending.” If that didn’t convince you to spend the money, even though it is provided for that purpose, just remember what Marie Antoniette was accused of stating to the “peasants”- “Let them eat cake” IV. It’s my money. I can spend it if I want too. Thank you for bearing with me through the not so entertaining part of this blog. Now that’s over - Time For Some Fun! Remember earlier I said now would be a good time to plan how we want to spend that second stimulus check (we have finally arrived)- boy oh boy do I have some awesome ideas for you. By the way, I’m sure you may already have plans for the money; moreover, I really hope that whatever you have planned is something that brings you or someone you love great joy and minimal stress. On the other hand, if you’re like me, still pondering in your brain about what to do with the next check - then the rest of this blog is about to be your best friend. We are going to go over some sure-fire ways to create timeless memories and “stimulate” the economy with the second round of stimulus checks. 2020 better watch out because “HERE WE COME!” V. Adventure Time “We’re off to see the wizard, the wonderful wizard of Oz”- Just seemed to be an appropriate quote to start our journey to something fun. By now, you’re wondering what is she going to tell me to do with my money right? Good question. I’m telling you to spend it. Remember though, we’re spending it on something that brings us joy. VII. Vacation Now I know that with travel restrictions and everything else that 2020 has brought us it seems pointless for me to suggest a vacation, but I am a firm believer that anything can be accomplished with moderation. I’m not saying go to a heavily populated area, with no mask and party like its 1965, but I bet there are some places you could visit that would provide a lower health risk with equal fun. There are museums and places open across the United States right now, yes they are currently operating at a lower occupancy, but they are still open and operating for business. I was thinking the other day that I wanted to go on vacation- somewhere you can take a two-year-old and I instantly thought of the Chattanooga Aquarium that my grandparents took me to as a child. They have the biggest turtle I have ever seen- at least in person. The atmosphere is so much fun with children running around, exhibits, and animals everywhere, and smiling faces eager to absorb all the information and sites around. They even have they’re very own Imax theatre. If I remember correctly and I’m pretty sure I do when I went they had a Spongebob Exhibit and it was in 4D. You could feel the water and everything. It was like I was actually in Bikini Bottom- for all the people who don’t know, that’s where Spongebob lived in the tv show. The experience was unforgettable. I live in Memphis and Chattanooga is actually not that far of a drive from home. Not only would the trip be a vacation but riding there in the car with my family would definitely help create great memories. Also, I’m sure my two year old would love to see the animals in real life. It would be an inexpensive trip but would bring all of us joy. If you have any nearby cities or towns with attractions, places, and/or even restaurants you’ve always wanted to visit, now would be a great time. Use that stimulus check to expand your horizons while driving across the horizon. VII. Something Daring & Adventurous There is just something about an adrenaline rush that just wakes up your soul. At this point in 2020, we all might need a soul wake-er-upper, lol. So in this section not only are stimulating the economy, but literally stimulating our minds and body as well. I’ve always wanted to cliff dive and/or jump from an airplane. Seemingly, one is more dangerous than the other, but I’m pretty sure either experience would be invigorating. If you think about it, either one of those options do not require you to be around a large group of people and helps keep you at low risk for contracting the coronavirus. Imagine the view from a cliff or as you spiral in the wind coming out of an airplane. I bet the experience creates a new outlook on life. Just the idea of seemingly being able to fly if only for a moment is probably one of the closest options we’ll ever have to being superheroes- well having superpowers anyway. I’m not sure of all the places you can go to do this or if it's only offered in specific areas, but I can tell you from what I've read and stories that I have been told. According to the Wisconsin Sky Diving Center, there are five top benefits to sky diving: YOU’LL IMPROVE YOUR IMPULSIVE REACTION TO STRESS SKYDIVING MEASURABLY, LASTINGLY IMPROVES YOUR MOOD SKYDIVING TUNES YOUR SITUATIONAL AWARENESS SKYDIVING ENCOURAGES BETTER COMMUNICATION YOU’LL SLEEP BETTER VIII. In Closing Like Dory said, “ Just Keep Swimming”- and that is exactly what I plan to do

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    • Winbranch Complex | Apartments Near Me | Tennessee

      About Winbranch Complex Winbranch Floor Plans Gallery Theme Videos Book a Tour Second chance friendly Winbranch Apartments Complex are second chance friendly. We believe in our tenants and want to give them the ability to prosper and thrive in a new environment that promotes their success. We give tenants the ability to not focus on their past, but their future by not holding the past against them. Our 24/7 security and fully gated apartments offer a sense of protection and comfortability for tenants. The Winbranch Complex is built on the foundation that the tenant comes first. With constant move-in specials and state of the art management, the Winbranch Apartments Complex should be your first and only choice in your apartment search. Winbranch Complex Winbranch Apartments Complex offers the best choice of apartment living right in the heart of . Our community has been recently renovated with stunning designs and a . You are sure to enjoy the breathtaking apartment complex, which includes ample space for all your living needs all while delivering a peaceful, quiet, well-kept and fully gated community with 24/7 security on site. Whitehaven (38116) Memphis TN modern look High rating Rated as No. 3 in the makes Winbranch Apartments Complex a top contender in Memphis/Whitehaven. Whether you’re looking for a spacious floorplan, quiet environment, sense of community or awesome nearby business to eat at or enjoy, the Winbranch Apartments Complex offers you all of that in one. Top 5 Apartments in Memphis Don’t forget to check out our , , and pages. Facebook Twitter Instagram ​ Contact us today :) Winbranch Complex ​ Phone number is: 901-345-1745 Email: winbranch1@gmail.com Address : 3551 Dalebranch Drive, Memphis, TN 38116 Facebook: Winbranch Complex ​ Open hours: Mon-Fri 9:00 AM - 4:30 PM Sunday 11:00 AM - 2:30 PM ​ ​ Winbranch Complex Your Home - Our Service The right location Being located in Whitehaven gives our tenants a sense of living in a small town with the charm of big city living. We are surrounded by mom and pop shops that make you feel more like family with every visit. Located right next to Southaven, our location gives tenants the ability to travel just a few minutes up the highway to do some prime time shopping and divine dining. We believe tenants should have the feeling of community, security and the potential to enjoy local businesses without having to travel a long distance. Here at Winbranch Apartments Complex, we will provide you with just that. Share

    • How to be approved for an Apartment | ApartmentsNearMe.biz

      How to be approved for an apartment? When starting your for rent the first thing you should consider is the category of renter you fall under. search for apartments There are three categories of renters, as follows: The First Time Renter No Rental History Potentially Little to No Credit History The Second-Chance Renter Negative Rental History Poor Credit Insufficient Employment History The Good Renter Positive Rental History Sufficient Credit History Longevity with Employer ​ Are you a second-chance renter? if so check out our pages on and How to pass background check poor credit application approval These are some options to increase your chances of rental approval: If you are an independent contractor or self-employed, be sure to bring at least the last two years tax returns to show proof and increase credibility of income. If you are a second-chance renter, try your best to clear up some of the negative rental history or past due balances and then provide documentation of the same to the leasing office. If you have negative or low credit, try to show a zero balance for utility companies. This is one of the most important factors when being considered for second-chance programs. If you are a good renter – make sure that you continue to live within your means and maintain your budget. Want to know what else could increase your chances for approval? Identification and a Social Security Card for every person applying, including the children. One-month worth of check stubs. If you have longevity with your current employer, a copy of your tax return will help show income and increase credibility. If you have pets, bring information about them – even a picture. To learn more: How to pass a background check How to find the right apartment Application Evaluation Poor credit and application approval First time renter ​ Have questions? just check out our Housing application FAQ page ​ Disclaimer: This is being provided as a general service for the public and not specifically relevant to the properties associated with this website. This is only for common knowledge and ApartmentsNearMe.biz does not assume any responsibility.

    • Memphis Apartment Search| ApartmentsNearMe

      Memphis Apartment Complex Show Apartment Complex Showing Results for: 38116 Click the location to open google places Apartment Name Streat adr Avenir Light is a clean and stylish font favored by designers. It's easy on the eyes and a great go to font for titles, paragraphs & more. About Memphis, TN Memphis is a city along the Mississippi River in southwestern Shelby County, Tennessee, United States. The 2019 population was 651,073, making Memphis the largest city on the Mississippi River, the second most populous in Tennessee, as well as the 26th largest city in the United States. Greater Memphis is the 42nd largest metropolitan area in the United States, with a population of 1,348,260 in 2017.The city is the anchor of West Tennessee and the greater Mid-South region, which includes portions of neighboring Arkansas, Mississippi, and the Missouri Bootheel. Memphis is the seat of Shelby County, Tennessee's most populous county. One of the more historic and culturally significant cities of the southern United States, Memphis has a wide variety of landscapes and distinct neighborhoods. The first European explorer to visit the area of present-day Memphis was Spanish conquistador Hernando de Soto in 1541 with his expedition into the New World. The high Chickasaw Bluffs protecting the location from the waters of the Mississippi was then contested by the Spanish, French, and the English as Memphis took shape. Modern Memphis was founded in 1819 by three prominent Americans: John Overton, James Winchester, and future president Andrew Jackson.[source: ] https://en.wikipedia.org/wiki/Memphis,_Tennessee

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