Over the years, the Civic, belonging to the renowned Japanese automaker Honda, has established a credible reputation as one of the best sedans in the country. As a sedan, the Honda Civic offers an amazing blend of style, class, luxury, comfort, and, above all, affordability. Its sleek finish and spectacular visuals have always been a talking point among customers and car enthusiasts.
Driving a Honda Civic will give you a sense of pride, achievement, and elegance, that too at an economical cost. If you wish to own a Honda Civic at a discount rate, you can just a run Google search for “Honda Civic for sale” and you might get some desirable results. It is your call to go for a brand new Honda Civic or a second-hand car while opting to buy a Honda Civic on sale.
Popular models of the Honda Civic
Listed below are a few popular Honda Civic models along with their features, specifications, and price details. You should know about these before making a decision to purchase a Honda Civic for sale.
2018 Civic Coupe
The 2018 Civic Coupe has a sporty look with the word “sophistication” written all over it. It is an ideal vehicle offering stylish elements of glamour, panache, and adventure. Starting at a base price of USD 19,250, it offers a mileage of 28 MPG on a city road and 39 MPG on highways. It is created for the new generation with exciting features such as technologies that assist the driver and a two-door thrill. It is available in various colors such as blue, red, black, silver, green, and steel, among others.
2018 Civic Si Coupe
The 2018 Civic Coupe Si has another stunning variant of the Honda Civic. Starting at a base price of USD 24,100, it offers a mileage of 28 MPG on the city streets and 38 MPG on the highways. It offers a memorable drive with a turbocharged engine comprising 205 horsepower. It is one of the best Honda Civic vehicles in terms of performance. Along with exceptional exteriors and spacious interiors, it provides a true mix of power and aggression.
2018 Civic Sedan
The 2018 Civic Sedan is the vehicle you should watch out for if you wish to leave a long-lasting impression in the minds of people. With interiors depicting luxury in every sense and exteriors that stand out, this vehicle starts at a price of USD 18,840. It provides a mileage of 28 MPG for city driving and 40 MPG on the highways.
Apart from the aforementioned 2018 Honda Civic models, you can also check out for other options on Honda’s official website, such as the Honda CR-V 2018 for SUV lovers. In order to buy a Honda Civic on sale, you could check out for the offers on the Honda Civic models on the company’s official website. You can also visit a used car showroom for finding a Honda Civic on sale.
Your guide to getting FHA loan approvalsRead more
A Federal Housing Administration (FHA) loan is a type of mortgage which is insured by the FHA and is considered one of the most affordable and fastest loans to procure.
Simply put, the borrower needs to be approved by the FHA to get this loan. You may then look for different mortgage rates with different FHA-approved lenders. There are plenty of portals which may help you get fast quotes and you may subsequently take the process ahead with any lender whose rates you have found affordable.
Important guidelines to get an FHA loan approval
Discussed below are a few important aspects to keep in mind while applying for an FHA loan.
The credit score requirement to get an FHA loan approval is not stringent. The minimum eligible credit score for the same is 580. Even if you do not have a credit history, your lender will need to evaluate your eligibility, based on a non-traditional merged credit. Some borrowers may require a score of 640-680 to be eligible for this loan.
While this is a guideline set, many lenders also give a loan to people with a credit score of at least 500.
Debt to income ratio
The debt to income ratio is a critical guideline followed by lenders to evaluate the eligibility of a borrower. It is a way in which lenders (even mortgage lenders) calculate a borrower’s ability to repay the debts, considering their regular incomes. The acceptable limit of this ratio is 31:43 to get an FHA loan approval.
Even though getting an approval for an FHA loan seems fairly easy, the real challenge arises in getting two types of mortgage insurances as prerequisites. One insurance needs to be paid fully while the other has to have a provision of being paid in monthly installments.
The minimum down payment required for an FHA loan approval is 3.5%. While the standard rate for down payment runs at 20%, the 3.5% comes as a great relief for borrowers who cannot afford such a high amount.
Other important areas
A lender will look into your employment history, lawful residency in the US, as well as a valid Social Security number (SSN). You would also require to have an appraisal for the property from a verified FHA-approved appraiser.
The other requirements differ from lender to lender, and it is always advisable to gather full information about your verified FHA loan lender before applying for a loan.
3 ways SMA patients and caregivers can maintain a healthy relationshipRead more
The relationship between a person diagnosed with spinal muscular atrophy (SMA) and their caregiver is a two-way street. It is important to remember that both the patient and caregiver have their individual needs that should be communicated clearly. Irrespective of whether the primary caregiver is a parent, friend, or someone who has been hired to take care of the SMA patient, there are a few important things to consider for a healthy relationship between them. Below are three tips for SMA patients to maintain a healthy relationship with their caregivers-
- Informing the caregiver in advance about any schedule changes
SMA patients should remember that their caregivers, whether family, friends or professional caregivers, have their own schedules and needs. One needs to ensure that they don’t make any last-minute changes without informing the caregiver well in advance. A caregiver plans everything according to the SMA patient’s schedule, and any sudden changes might cause problems with the caregiver’s schedule and routine. It is important to remember that the caregiver is likely to have other jobs, people to meet, and other personal errands of their own. Hence, it is essential to inform the caregiver in advance if there are any changes to one’s schedule.
- Conveying one’s needs clearly
If an SMA patient is hiring someone through an agency or via the Internet, it is vital to know that the caregiver has probably had clients with a wide range of needs, levels of independence, and abilities. Hence, it is necessary for the patient to inform the caregiver about what their specific needs are, what tasks they can do, and what tasks they cannot perform. The best way that a caregiver will be able to help a patient properly and cater to all their needs is by just communicating with them. If one is used to doing certain things in a particular manner, let the caregiver know that beforehand so that they are able to do their job thoroughly by keeping their patient’s needs in mind.
- It is okay to have disagreements with the caregiver
When the caregiver is a friend or family member, fights and arguments are inevitable. However, when one has a fight, a confusion, a misunderstanding, or whether there is a simple disagreement with one’s caregiver, one needs to ensure that this tension does not last. It is important to communicate openly and work together towards solving the problem.
- Informing the caregiver in advance about any schedule changes