Are you a teacher looking to buy a home and need help with financing? Please consider some of the special mortgage programs that cater specifically to educators! Here we cover 4 of the top providers that offer teacher home loans.

Our 4 Top Home Loan Programs for Teachers

Our list of teacher home loan providers in 2019 include:

1) LendingTree for Teachers
2) Educator Mortgage Program
3) Teacher Home Advantage
4) NEA Home Financing Program

Why Should you Explore Teacher Home Loans?

First off, these programs were created with educators in mind. They may offer some perks and/or discounts that you may not get from traditional financing options. One of the perks includes discounted closing costs or lower interest rates. Some programs even can make a donation to your school. All this considered, teacher home loans might very well be what you are looking for when you wish to finance the purchase of a home.

Without further ado, here are the 4 best teacher mortgage programs available for professional educators:

1)LendingTree Teacher Home Loans

Our #1 recommended provider of teacher home loans is LendingTree, where you can easily compare up to five educator-friendly home loan offers!

Whether you are purchasing a home, refinancing, looking for a home equity line of credit or seeking a reverse mortgage, LendingTree has our highest recommendation.

If looking at any of the other options that follow, it is highly recommended you take a look at LendingTree first! This will give you the most options. Furthermore, it can help you make an informed decision on which home loan for teachers is best for you!

2)Educator Mortgage Program

This is a really interesting program from Supreme Lending that anyone in the education industry is eligible to apply for. The highlights of the Educator Mortgage Program include:

• Discounted Closing Costs – Supreme Lending is offering up to $800 in reduced closing costs to educators.  If you qualify, you will receive a credit on your HUD-1 settlement statement for up to $800.
• Discounted Real Estate Agent Fees – The Educator Mortgage Program looks to work with real estate agents who want to give back. As an educator, you will receive a credit on your HUD-1 settlement statement up to $800 from participating Real Estate Agents. These funds can be used for any fees, prepaids, seller fees, or new escrow account set up for your new loan.
• Fast Loan Process – Supreme Lending emphasizes that educator clients are given highest priority. Educator loans are handled expeditiously so as to ensure “a smoother and more enjoyable experience.”
• Donation to Your School– With the Educator Mortgage Program, a donation of to $200 will be made to the school program of your choice. If you work with a participating real estate agent, an additional $200 will be donated, for a total of $400, to the school program of your choice!

Visit the Educator Mortgage Program’s website for more info on their teacher home loans. They offer various home buyer mortgage programs including FHA loans, Fannie Mae, Freddie Mac, VA, USDA, Jumbo and more.

3) Teacher Home Advantage

The Teacher Home Advantage program by Pacific Home Mortgage offers various options for teacher home loans.   These range from:

• FHA Loans – Federally backed loans with a low fixed rate, great for the educator who is a first time home buyer.
• Conventional Loans – These are not backed by the government and usually require a larger down payment. However, one advantage of these loans for teachers is that monthly mortgage insurance is not generally required.
• USDA Loans – 0% down loans that are insured by the government. These loans are only offered in “rural” areas. The fact that these loans require no down payment puts home ownership within the reach of many educators.
• VA Loans – If you are a veteran, this could be a great option for you. Like the USDA loan, it does not require a down payment.
• Home Path Program – This program is only available for the purchase of Fannie Mae owned homes. It offers educator borrowers low down payment options, flexible terms, no mortgage insurance and no appraisal fees.
• “Making Home Affordable” Program – Teacher Home Advantage works directly with this program. Basically, it includes opportunities to help borrowers make their monthly payments more affordable. In other words, it allows homeowners the chance to decrease their current mortgage payments, even if they’re “upside down” in their home.
• Teacher Next Door – This program (more specifically HUD’s Good Neighbor Next Door Sales Program) offers Pre-K through 12th grade teachers a wonderful opportunity. Make a contribution to community revitalization while receiving a substantial 50% discount on the list price of a home! The limitations of this program are that you must commit to live in the property for 3 years, and qualifying homes must be located in HUD-designated revitalization areas only.

Learn more about these different programs and what the Teacher Home Advantage offers educator clients here.

4) NEA Home Financing Program®

Offered through Wells Fargo Home Mortgage, the The NEA Home Financing Program® is offered as a benefit of the NEA Member Benefits program.

Some of the features of this program include:

• Competitive interest rates and fees
• Low down payment options
• A wide variety of home financing choices
• Conventional and jumbo loans, with both purchase and refinance programs available
• As an NEA Member bonus, you’ll receive a $500 award card when you close a purchase or refinance

Learn more about the NEA Home Financing Program® here.

Explore your Teacher Home Loan Options Today!

When searching for your teacher home loan do not forget to compare rates and other benefits. Again, our highest recommendation is to start your comparison shopping on LendingTree today HERE.

Interactive kids learning globes can be a fun and engaging way to teach geography to kids. Here we share 5 of the highest rated learning globes for children that are both awesome and affordable!

1) Oregon Scientific Smart Globe

We start our list of kids learning globes with the Oregon Scientific Smart Globe. This learning toy allows kids to learn over 2000 fun facts, listen to national anthems of different countries, history and more.

Included with this smart globe are 19 engaging games that help teach kids about world facts. And recently, Oregon Scientific has built in an augmented reality component to this globe that allows children to use the Oregon Scientific app to bring the globe to life with animals and dinosaurs!

Most reviews for this product are very positive, with a common complaint of this particular learning globe being that the default setting can be too loud.

Oregon Scientific Smart Globe – Sample Amazon Review

“This may be the most wonderful gift I ever bought my grandson!! There are so many functions, ways to quiz yourself, and I’m learning too. He loves world geography and this globe has it all. Languages, money, fun facts,capitols and so much more. I love the USA map on one side, he says the state and the capitol before he touches it just to check himself. It came with the batteries and was ready for play right out of the box. I like that it says goodbye when he turns it off, so no wasted batteries from being left on. He is seven but this is great even for high school kids. The shipping was Amazon Prime fast, and the price was right. I’d recommend this to anyone. What a fun way to learn!”

2) 3-in-1 Illuminated World Globe

The 3-in-1 Illuminated World Globe is not only a kids learning globe, but also a constellation map and nightlight! This globe also features an interactive globe app.

The 3-in-1 Illuminated World Globe – Sample Amazon Review

“This is a wonderful globe! Some of the reviews made me afraid it was going to be cheap or something, but it’s not! It’s bright and colorful, the smaller size is perfect for fitting on a desk or dresser easier, the plug and switch work fine, and the constellations night light feature is just so super cool. At first, when I flipped the switch I thought the light wasn’t working, but then turned off the overhead room light and bam! I realized that the light in the globe lights up the constellations, not the regular globe view. It feels sturdy and solid and it doesn’t feel or look cheap. Great product!”

3) Learning Resources Puzzle Globe

Next on our list of learning globes for children is the The Learning Resources Puzzle Globe.

While not as high tech as the other globes, this fun, engaging 14-piece puzzle globe can teach kids the names of the continents, oceans, famous landmarks and more.

Learning Resources Puzzle Globe – Sample Amazon Review

“This globe is fantastic! I purchased it for my kids 4 and 8 as my husband does quite a bit of international travel and I thought it would be a fun way for them understand where in the world he is and the routes he takes to get there and home. It has been a HUGE HIT with both of my kids- and they have been fighting over it since it arrived a few days ago!”

4) Shifu Orboot: The Educational, Augmented Reality Based Globe

The Shifu Orboot augmented reality globe is among the best kids learning globes for helping to spark imagination and creativity!

Shifu Orboot – Sample Amazon Review

“I was initially in two minds to purchase the Shifu Orboot for my daughter but once I got it, I feel it’s the best Christmas gift I could have given my daughter … she simply loves it … it’s very informative as it tells you details about the different animals in the different countries, culture, maps , inventions and monuments !!! My daughter gets to learn a lot and we happy that she enjoys her gift…. it’s the best gift u can give ur child !!!”

5) Educational Insights GeoSafari Talking Globe

Our final product in our list of the best kids learning globes is the multiple award-winning Educational Insights GeoSafari Talking Globe, which includes more than 10,000 geography questions!

Up to 4 players can play the quiz game and can select various quiz categories, including the U.S.A, Canada, the World or ALL categories.

GeoSafari Talking Globe – Sample Amazon Review

“I got this globe for my 7 year old niece and she absolutely loves it! We were also very happy to see how much her 3 year old brother was interested in learning along with her (admittedly with a much short attention span). The questions were incredibly wide-ranging and they provoked all sorts of discussions and sharing of family travel adventures through the generations which was great! Would recommend.”

Kids Learning Globes – What’s Your Favorite?

I hope you will try some of these games with your children and/or students! If you have your own favorite learning globe for children, please share it in the comments below.

Here are links to the 5 learning globes we feature here as well as some others on Amazon. If you are interested in using games for teaching, please e sure to also check out our list of the best money board games for kids.

There are different grammar checkers online, free and paid, and Grammarly is one of the best-known ones. The platform offers a free and premium version. The premium version will run you $29.95 a month currently unless you bundle months together to get a discounted rate. Read on for our Grammarly review of both the free and premium versions of this excellent software.

Subscription Plans from Grammarly

After putting the premium version to the test, here are a few insights on whether it is worth going premium with Grammarly.

Grammarly Review – Pros for Teachers

One tool that could cut teacher’s time in half when grading papers is the plagiarism tool. Grammarly claims that the cloud-based software scans over 8 billion websites to look for plagiarized content. With this powerful tool, I can see this being a much-needed shortcut for teachers when grading student’s papers.

Teachers can use this extra time to focus on helping improve their students overall writing and style.

Also, when using the program in Microsoft Word, you can change the type or genre of the article you’re either writing or proofreading. You do have to add Grammarly to Word by following the prompts from your profile on the Grammarly website.

With genres like essay and research papers to choose from in the academic section, you can move through papers using the grammatical styles associated with each kind of writing. Adding the Grammarly tool to Word and the plagiarism tool are both only available through the premium membership.

Grammarly Review – Helpful Tools for Writing

Another perk of going premium is being able to look at advanced issues in your writing. When using the free version, Grammarly lets you know there are “X” amount of advanced issues that you can see IF you upgrade to premium.

If you tend to write more than the average person and are interested in improving your writing skills and grammar, being able to look at the advanced issues is one of the best tools the software provides.

Personally, I tend to write in the passive voice more than I want in my writing. The premium version of the grammar checker has helped me work towards breaking this habit. Also, it breaks the habit of using any repetitive words and even suggests synonyms that may fit better with your wording.

Also, the ease of use of the software is great. Adding extensions to your browser and Word are simple and using the grammar checker is self-explanatory.

Grammarly checks over 250 types of grammatical issues, spelling mistakes, and enhances the vocabulary of the user in the premium version. What I found using the tool is that they do deliver well on all of these categories.

The Drawbacks

Grammarly does have a few drawbacks.

It’s grammar suggestions may not always make sense regarding what you’re trying to write and get across to the reader. At this point, you have to use your best judgment in going with the suggestion or sticking with your original writing.

An example of this is when the passive voice is necessary, and it wouldn’t make sense to use the active voice in the context of your writing. Grammarly tends to do this in different style tips and suggestions. Just check the context and decide on what sounds better to you.

Also, when using the browser extension, Grammarly hasn’t picked up on how writing may differ on your personal social media. Sometimes when you add new statuses on different platforms, it’ll pick up multiple errors on abbreviations and social lexicon.

Just clicking through these and being able to post can be time-consuming as well as irritating.

Grammarly Review 2018 – The Verdict

Grammarly has a lot to offer to anyone who takes their writing seriously or grades any papers in an educational setting.

With only a few drawbacks, the pros greatly outweigh the cons. The writing enhancing tool, whether in the free or premium version, does help writers create better content and helps break any old writing habits.

If cost isn’t a factor for you and you enjoy improving your writing skills, the premium version may be a tool you’ll find useful.

Overall, if you plan on writing more than the average person or you’re an educator who does need to proofread constantly, I would recommend the premium tool. If you don’t grade papers often or need to write much, trying the free version out would probably cut it for you.  Start with the free version of Grammarly here.

We hope you have found this grammarly review helpful. Have you tried Grammarly’s premium version? What did you think of the grammar checker’s tools?

Udemy offers a truly exceptional opportunity for instructors.  In short, you can make money on Udemy by creating on demand online courses on anything imaginable.

Put together and teach your course once; If it’s well-received and otherwise successful you can get paid for that class again and again!

Here is more about Udemy from their website:

We’re the world’s online learning marketplace, where 9 million+ students are taking courses in everything from programming to yoga to photography – and much, much more. Each of our 35,000+ courses is taught by an expert instructor, and every course is available on-demand, so students can learn at their own pace, on their own time, and on any device”

Some Drawbacks…

Before you get too excited please consider some of the drawbacks. This would not be a fair review if we didn’t go over some of the difficulties for instructors using who want to make money on udemy by selling online courses.

First, putting together courses takes a lot of time, in terms of both planning and production. You also need to have the proper equipment, and be comfortable speaking on the camera/behind the microphone.  If you are shy or not willing to put yourself in front of the camera, Udemy might not be for you.

Can I Really Make Money on Udemy? How Much?

One final point, but not really a drawback is that unfortunately the Udemy compensation model is not as lucrative for instructors as it once was. Teachers who got in early were making a lot more money (90% across the board per course!) before Udemy changed its compensation structure multiple times, currently the structure is as follows:

About the instructor revenue share
Udemy operates under a tiered revenue share for paid courses. As an instructor, the two main revenue share scenarios that you can expect most often are:
Instructor Promotion → 100% revenue share (less a 3% administrative processing fee, 4% in the territory of Japan) on sales made by instructors where the student makes the purchase using an Instructor Coupon (either at full price or at a discount), which you the instructor create and control.
Udemy Organic → 50% revenue share on organic Udemy sales where no Instructor Coupon is used.

If you’re opted in to any of our marketing programs, e.g., percentage promotions, fixed price deals, and the marketing boost program, your revenue share can range from 25% to 97% depending on the scenario.

So, basically, you will make somewhere between 25-97% of your course fees, depending on the scenario.  In general, if Udemy is promoting your course for you, it will be on the lower end.  If you promote your own course you can make 100% – the administrative fees.  If you’d like a complete breakdown of what you can make, see the chart on Udemy’s site here.

Udemy claims that the average instructor income is $8000.  Not bad, right?

Some make less and some a lot more.  Case in point: Jerry Banfield.

Jerry has earned over $300,000 with the Udemy platform, averaging over $6,000 per course he creates!

Jerry is truly an awesome instructor. As one of his students said:

“Jerry’s instruction is the perfect balance of passion, intelligence, proof of experience,
and calculated determination. He is a machine for success and helping other build the
successful lives that they have always dreamed of.”

If you are going to give Udemy a try, I highly recommend that you consider taking Jerry’s course, “The Complete Udemy Instructor Course”. This course will give you a great foundation as well as the tools and the knowledge you need to get started making money with online course creation.  It features no less than 84 lectures and over 10.5 hours of class time!

Learn more about Jerry’s course on how to make money on Udemy HERE.

With over 9 Million students utilizing Udemy, more instructors are needed!  I hope to see your course(s) there soon!