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Birmingham, Bloomfield and Troy Weather Get Birmingham, Bloomfield and Troy Weather Reports Here The Detroit region enjoys warm, mild summers and cozy, snow filled winters with ice skating, ice hockey and skiing. From May to September, average highs range from 70 to 85 degrees; it starts cooling down in October, and November will see a little less than 3 inches of snow on average. Locals definitely get a “White Christmas”, with December and January usually getting about 10 inches of snowfall. By April, things are warming up again and locals enjoy a real spring with blooms and blossom. Request my Free Birmingham, Bloomfield and Troy Relocation Package. It's packed full of useful and important information about the Birmingham, Bloomfield and Troy, Michigan area. Don't move here without it! It's my job to know EVERYTHING about Birmingham, Bloomfield and Troy! Ask me any question. Or request a FREE information package. There's no obligation, and I promise to get back to you quickly... 
Financing Your Home >Home Buyers Education
As the number of mortgage lenders increases, competition forces lenders to get more creative in finding ways to lend people money. This often takes the form of giving homebuyers a "break" in the down payment. The downside of this approach is that statistically, the smaller the down payment, the more likely the borrower will default. Lenders have put together an education program to prevent delinquencies, which fills a much-needed gap in the increasingly complex world of home finance.
Home buyer education classes focus on a variety of money management topics, including all the costs connected with obtaining and owning a home. One lender got together with FANNIE MAE (a government-sponsored loan guarantor) to launch a 3 percent down payment loan which requires participation in this education course. Other lenders have shown a decline in the default rate with five percent loans that are associated with similar education courses.
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| Q |
What is considered the oldest surviving non-native building in the U.S.?
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| A |
The governor's palace in Sante Fe, New Mexico, built in 1609, was constructed with materials and methods adapted from the native Indians.
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