Golden Spike Realty
GOOD READ ON FHA AND HVCC
FEDERAL HOUSING FINANCE AGENCY NOTICE (FHA)
Strengthening Appraiser Independence and Improving the Valuation Process
Update on Enterprise Implementation of the
Home Valuation Code of Conduct
The Home Valuation Code of Conduct (Code) announced by Fannie Mae and Freddie Mac (Enterprises) in December 2008 was developed after a long period of public input and was deployed on May 1, 2009, after a four-month transition period. The Code expanded on existing Enterprise appraisal standards, seeking to redress problems that contributed to the current mortgage crisis and to improve the quality of the mortgage loans they purchase.
Unfortunately, during the 2005 to 2007 period, mortgage lending was much too aggressive and placed pressure on the appraisal process. In some cases, that resulted in unrealistically high appraisals, hurting homebuyers as well as investors. The HVCC is designed to promote professional appraisals free from inappropriate pressure from lenders, borrowers or brokers.
The Code’s main purpose is to protect appraisers and the quality of appraisals from undue influence and conflicts of interest. The Enterprises continue to address questions on implementation and today provided additional FAQs. Also, they are finalizing a complaint form relating to Code violations.
Market participants should appreciate the difficulty facing appraisers when valuing properties in a declining market, especially when sharply dropping home prices and foreclosures are prevalent. The challenges of appraising properties exist with or without the Code. Market participant concerns in the current circumstances would create appraisal controversies even without the Code. Indeed, the Code should help mitigate these controversies by providing clearer protection for appraisers.
The Enterprises have taken additional actions. For example, Freddie Mac recently issued an alert to mortgage lenders advocating the use of qualified and experienced real estate appraisers, including those appraisers affiliated with a professional organization. This was similar to a Fannie Mae pronouncement. The Appraisal Institute termed this a victory for efforts to promote more professional appraisals and said it would "have a positive effect on millions of home buyers and sellers." The GSE guidances reinforce existing professional standards that appraisers must be familiar with the local market where the property is located and highlighted that appraisers must choose appropriate sales comparisons.
Addressing Misinformation
Misinformation has been circulated about the content of the Code and some have tried to cite the Code as the source of unrelated market dislocations. FHFA believes that the Code is serving the intended purpose and will continue its oversight role both as to the implementation of the Code by the Enterprises and its market impact.
Some key items that the public should know:
Communications with appraisers– Contrary to some suggestions, the Code provides for communications with appraisers about errors, additional needed information and unprofessional conduct. Quality control personnel may communicate with appraisers and other lender personnel, outside of the loan origination function. The real bar is on communications that seek to influence the appraiser to adopt a set valuation, which is prohibited.
Low appraisals— Contrary to some suggestions, the Code does not lead to lower appraisals for property. The Code insulates appraisers from pressures that led to higher or lower appraisals and should now lead to more accurate valuations. This is in everyone’s interest. Declining home prices began long before the deployment of the Code and relate to many other factors. Current efforts at mortgage market stabilization are a central focus at FHFA and the Enterprises, but that needs to be achieved by keeping borrowers in their homes, not urging appraisers to improperly overvalue homes.
Appraisal management company (AMC) role— Contrary to some suggestion, the Code does not favor the use of AMCs over independent or in-house appraisers. Significantly, for the first time, the Code places the same requirements for appraiser independence on AMCs as the limits placed on lenders. Lender use of AMCs was increasing prior to the Code and one of the key goals and results of the Code was to strengthen appraiser protections when engaged by AMCs.
Unqualified or out-of-area appraisers– The Uniform Standards of Professional Appraisal Practice (USPAP) requires that an appraiser be competent and knowledgeable of the local market to perform an appraisal. In addition, in reinforcing USPAP, the Enterprise appraisal guides require appraisers to have knowledge of the local market. The use of unqualified in-state or out-of-state appraisers, unfamiliar with local conditions, should be reported to state appraiser licensing agencies.
Increased costs at closing— Closing costs have risen in some instances, but that has not been a function of the Code. Lenders have tightened underwriting standards, often requiring additional comparables by appraisers and even requiring second appraisals. Market investors have focused on reducing fraud and sought greater assurances about valuations. Appraisers have been working hard to meet these requests.
Turnaround times for appraisals— The Code may initially have slowed appraisal time as it was being implemented. However, there are other reasons for turnaround time changes; these include increased demands by lenders, the efficiency of a particular lender’s underwriting process and the workload of appraisers. The Code’s appraiser independence standards are critical for accurate valuations, a lesson learned in the current market crisis. Assuring a good appraisal is in the borrower’s interest. As the market adjusts to new underwriting standards, including those for appraisals, more efficiency will reduce turnaround times.
Transferring an appraisal – Contrary to some suggestions, appraisals are transferrable between lenders under the Code. Transferring an appraisal may obviate the consumer’s need to pay for a new appraisal should the first lender deny the loan. Whether a lender decides to transfer or
accept an appraisal, however, is up to the lender, and is not related to the Code. Lender discretion in this area predated the Code.
* * * *
The Home Valuation Code of Conduct supports the critical role of appraisers and their central role in the underwriting process. Accurate appraisals, produced in line with industry standards and legal requirements, provide key protections for homeowners, the Enterprises and investors who support the markets. The poor practices of the past are being corrected and lessons learned are being addressed.
Strengthening Appraiser Independence and Improving the Valuation Process
Update on Enterprise Implementation of the
Home Valuation Code of Conduct
The Home Valuation Code of Conduct (Code) announced by Fannie Mae and Freddie Mac (Enterprises) in December 2008 was developed after a long period of public input and was deployed on May 1, 2009, after a four-month transition period. The Code expanded on existing Enterprise appraisal standards, seeking to redress problems that contributed to the current mortgage crisis and to improve the quality of the mortgage loans they purchase.
Unfortunately, during the 2005 to 2007 period, mortgage lending was much too aggressive and placed pressure on the appraisal process. In some cases, that resulted in unrealistically high appraisals, hurting homebuyers as well as investors. The HVCC is designed to promote professional appraisals free from inappropriate pressure from lenders, borrowers or brokers.
The Code’s main purpose is to protect appraisers and the quality of appraisals from undue influence and conflicts of interest. The Enterprises continue to address questions on implementation and today provided additional FAQs. Also, they are finalizing a complaint form relating to Code violations.
Market participants should appreciate the difficulty facing appraisers when valuing properties in a declining market, especially when sharply dropping home prices and foreclosures are prevalent. The challenges of appraising properties exist with or without the Code. Market participant concerns in the current circumstances would create appraisal controversies even without the Code. Indeed, the Code should help mitigate these controversies by providing clearer protection for appraisers.
The Enterprises have taken additional actions. For example, Freddie Mac recently issued an alert to mortgage lenders advocating the use of qualified and experienced real estate appraisers, including those appraisers affiliated with a professional organization. This was similar to a Fannie Mae pronouncement. The Appraisal Institute termed this a victory for efforts to promote more professional appraisals and said it would "have a positive effect on millions of home buyers and sellers." The GSE guidances reinforce existing professional standards that appraisers must be familiar with the local market where the property is located and highlighted that appraisers must choose appropriate sales comparisons.
Addressing Misinformation
Misinformation has been circulated about the content of the Code and some have tried to cite the Code as the source of unrelated market dislocations. FHFA believes that the Code is serving the intended purpose and will continue its oversight role both as to the implementation of the Code by the Enterprises and its market impact.
Some key items that the public should know:
Communications with appraisers– Contrary to some suggestions, the Code provides for communications with appraisers about errors, additional needed information and unprofessional conduct. Quality control personnel may communicate with appraisers and other lender personnel, outside of the loan origination function. The real bar is on communications that seek to influence the appraiser to adopt a set valuation, which is prohibited.
Low appraisals— Contrary to some suggestions, the Code does not lead to lower appraisals for property. The Code insulates appraisers from pressures that led to higher or lower appraisals and should now lead to more accurate valuations. This is in everyone’s interest. Declining home prices began long before the deployment of the Code and relate to many other factors. Current efforts at mortgage market stabilization are a central focus at FHFA and the Enterprises, but that needs to be achieved by keeping borrowers in their homes, not urging appraisers to improperly overvalue homes.
Appraisal management company (AMC) role— Contrary to some suggestion, the Code does not favor the use of AMCs over independent or in-house appraisers. Significantly, for the first time, the Code places the same requirements for appraiser independence on AMCs as the limits placed on lenders. Lender use of AMCs was increasing prior to the Code and one of the key goals and results of the Code was to strengthen appraiser protections when engaged by AMCs.
Unqualified or out-of-area appraisers– The Uniform Standards of Professional Appraisal Practice (USPAP) requires that an appraiser be competent and knowledgeable of the local market to perform an appraisal. In addition, in reinforcing USPAP, the Enterprise appraisal guides require appraisers to have knowledge of the local market. The use of unqualified in-state or out-of-state appraisers, unfamiliar with local conditions, should be reported to state appraiser licensing agencies.
Increased costs at closing— Closing costs have risen in some instances, but that has not been a function of the Code. Lenders have tightened underwriting standards, often requiring additional comparables by appraisers and even requiring second appraisals. Market investors have focused on reducing fraud and sought greater assurances about valuations. Appraisers have been working hard to meet these requests.
Turnaround times for appraisals— The Code may initially have slowed appraisal time as it was being implemented. However, there are other reasons for turnaround time changes; these include increased demands by lenders, the efficiency of a particular lender’s underwriting process and the workload of appraisers. The Code’s appraiser independence standards are critical for accurate valuations, a lesson learned in the current market crisis. Assuring a good appraisal is in the borrower’s interest. As the market adjusts to new underwriting standards, including those for appraisals, more efficiency will reduce turnaround times.
Transferring an appraisal – Contrary to some suggestions, appraisals are transferrable between lenders under the Code. Transferring an appraisal may obviate the consumer’s need to pay for a new appraisal should the first lender deny the loan. Whether a lender decides to transfer or
accept an appraisal, however, is up to the lender, and is not related to the Code. Lender discretion in this area predated the Code.
* * * *
The Home Valuation Code of Conduct supports the critical role of appraisers and their central role in the underwriting process. Accurate appraisals, produced in line with industry standards and legal requirements, provide key protections for homeowners, the Enterprises and investors who support the markets. The poor practices of the past are being corrected and lessons learned are being addressed.
Burglar Proof Your Home
Easy Ways to Burglar Proof Your Home
Theft makes up more than three-quarters of all reported crime. According to U.S. Department of Justice, an American home is burglarized every 8 seconds. In the next two decades, it is estimated that three out of four American homes will be burglarized.
Burglars enter homes through the following locations:
81 percent enter through the first floor
34 percent of burglars enter through the front door
23 percent enter through a first-floor window
22 percent enter through the back door
9 percent enter through the garage
4 percent enter through the basement
4 percent enter through an unlocked entrance
2 percent enter through a storage area
· 2 percent enter anywhere on the second floor
Doors should be made of steel or solid-core wood construction. Hollow-core wood doors are more easily broken than heavy, solid-core doors.
Doors should be protected by quality deadbolt locks. Chain locks are not adequate substitutes for deadbolt locks, although chain locks may be used as additional protection.
If a door is equipped with glass panes, they should be installed far from the lock. Otherwise, burglars can smash the glass and reach through the door to unlock the door.
A peephole can be installed in doors so homeowners can see who is on their doorstep before they open the door.
Pet doors can be used by burglars to enter homes. Some burglars have reached through pet doors in order to unlock the door. It is advisable to not have a pet door, but if one is necessary, it should be as small as possible and installed far from the lock. Electronic pet doors are available that open only when the pet, equipped with a signaling device in their collar, approaches the door. These doors are designed to keep stray animals out of the home, and may provide protection against burglars, as well.
All windows should be composed of strong glass, such as laminated glass, and be in good operating order.
Sliding glass doors should be equipped with locks on their tops and bottoms. All windows should lock.
A cut-off broom handle, or a similar device, can be laid into the door track to prevent it from being opened.
Windows and doors should not be able to be lifted from their frames.
Lights should be installed on the exterior of all four sides of the house. Burglars prefer darkness so they cannot be seen by neighbors or passersby.
When building occupants are not home, a few lights should be left on.
It is helpful to install exterior lights that are activated by motion sensors. Burglars that are suddenly illuminated may flee.
· Suggest that someone is home by using electric timers to turn on the radio and house lights at certain hours. Vary the lights that you turn on.
· The lawn should be cut regularly. Uncut grass is a clue that no one is home.
When on vacation, tell a trusted friend where you'll be and how to reach you in an emergency. Ask them to pick up your mail and newspapers, hand bills, litter, packages, or anything else that would signal a burglar that you're not home.
Dogs are excellent burglar deterrents. If you cannot own dogs, place "beware of dog" signs around the yard for nearly the same effect.
Your garden can also be an attractive opportunity for thieves, and is often easier for them to access. Make sure you lock up valuables in a good quality shed - don't forget your garden tools and ladders as these can also be used to break in to homes.
Never leave your garage door opener in an unlocked car. To do so could give thieves access to your garage. If you have an attached garage, you could also be giving thieves access to your home.
Theft makes up more than three-quarters of all reported crime. According to U.S. Department of Justice, an American home is burglarized every 8 seconds. In the next two decades, it is estimated that three out of four American homes will be burglarized.
Burglars enter homes through the following locations:
81 percent enter through the first floor
34 percent of burglars enter through the front door
23 percent enter through a first-floor window
22 percent enter through the back door
9 percent enter through the garage
4 percent enter through the basement
4 percent enter through an unlocked entrance
2 percent enter through a storage area
· 2 percent enter anywhere on the second floor
Doors should be made of steel or solid-core wood construction. Hollow-core wood doors are more easily broken than heavy, solid-core doors.
Doors should be protected by quality deadbolt locks. Chain locks are not adequate substitutes for deadbolt locks, although chain locks may be used as additional protection.
If a door is equipped with glass panes, they should be installed far from the lock. Otherwise, burglars can smash the glass and reach through the door to unlock the door.
A peephole can be installed in doors so homeowners can see who is on their doorstep before they open the door.
Pet doors can be used by burglars to enter homes. Some burglars have reached through pet doors in order to unlock the door. It is advisable to not have a pet door, but if one is necessary, it should be as small as possible and installed far from the lock. Electronic pet doors are available that open only when the pet, equipped with a signaling device in their collar, approaches the door. These doors are designed to keep stray animals out of the home, and may provide protection against burglars, as well.
All windows should be composed of strong glass, such as laminated glass, and be in good operating order.
Sliding glass doors should be equipped with locks on their tops and bottoms. All windows should lock.
A cut-off broom handle, or a similar device, can be laid into the door track to prevent it from being opened.
Windows and doors should not be able to be lifted from their frames.
Lights should be installed on the exterior of all four sides of the house. Burglars prefer darkness so they cannot be seen by neighbors or passersby.
When building occupants are not home, a few lights should be left on.
It is helpful to install exterior lights that are activated by motion sensors. Burglars that are suddenly illuminated may flee.
· Suggest that someone is home by using electric timers to turn on the radio and house lights at certain hours. Vary the lights that you turn on.
· The lawn should be cut regularly. Uncut grass is a clue that no one is home.
When on vacation, tell a trusted friend where you'll be and how to reach you in an emergency. Ask them to pick up your mail and newspapers, hand bills, litter, packages, or anything else that would signal a burglar that you're not home.
Dogs are excellent burglar deterrents. If you cannot own dogs, place "beware of dog" signs around the yard for nearly the same effect.
Your garden can also be an attractive opportunity for thieves, and is often easier for them to access. Make sure you lock up valuables in a good quality shed - don't forget your garden tools and ladders as these can also be used to break in to homes.
Never leave your garage door opener in an unlocked car. To do so could give thieves access to your garage. If you have an attached garage, you could also be giving thieves access to your home.
GREAT News!!
The First Home buyer $8,000 tax credit has been extended UNTIL 12/31/09
(1st time home buyers or if you haven't bought a house in the last 3 yrs)
0 down programs
Prices are soft
NOW IS A GREAT TIME TO BUY AND SELL REAL ESTATE
(1st time home buyers or if you haven't bought a house in the last 3 yrs)
0 down programs
Prices are soft
NOW IS A GREAT TIME TO BUY AND SELL REAL ESTATE
Utah Housing
Did you know Utah Housing is one of the best loans for a first time home buyer?
Utah housing has fantastic rates for first time home buyers, They will also allow you to finance all of your closing costs and down payment. There are very few if any lenders that will allow you get a 100% loan. If you are in the market and you want to see if you quailfy for Utah Housing give me a call today!
Utah housing has fantastic rates for first time home buyers, They will also allow you to finance all of your closing costs and down payment. There are very few if any lenders that will allow you get a 100% loan. If you are in the market and you want to see if you quailfy for Utah Housing give me a call today!
5 new tools for home buyers
COURTESY of CNN MONEY
5 new tools for homebuyers
Real estate Web sites are constantly coming up with new ways for homebuyers to get information about the market. Here are 5 new sites that can make house hunting easier.
1 of 5
House hunt on the iPhone
• Latest median home price in your city• Foreclosures: How bad is your state?You're driving down a street and see a really pretty home with a For Sale sign on the front lawn. You write down the broker's information and can't wait to get home to take a look at the listing details. If you have an iPhone, you can get the information on the spot.Zillow.com released a free iPhone app last month, enabling consumers to get the low-down on more than 88 million homes - and not just the ones for sale. The app is GPS-powered so the map follows you as you stroll, with price estimates popping up along the way. Pass a sale sign and you can access pricing, number of bedroom and baths, square footage and other info."House-hunting is, inherently, a mobile experience," said Zillow's CEO Rich Barton in announcing the launch.This will add a whole other layer to that Sunday afternoon perambulation.
Find profitable investment deals
• Investors snapping up properties in Detroit• Latest median home price in your city• Foreclosures: How bad is your state?With home prices more affordable than they've been in many years, there are some real bargains. Investors who are less interested in the aesthetics than the bottom line can try InvestorLoft.com's new PropScout to find lucrative options. The tool offers several search filters, which go much deeper than just location and price. For example, Estimated Equity finds homes with big differences between listing price estimated value. Cash Flow ranks homes by the profits they produce. Cap Rate ranks by the percentage of profit on investment.The tool has listings in about 20 states and should be in all 50 by early 2010, according to CEO Walter Charnoff. Consumers can search by city, zip code or property ID.
Ferret out cheap houses
• Latest median home price in your city• Foreclosures: How bad is your state?This spring Trulia.com launched a nationwide filter that enables consumers to search 3.2 million listings for price reductions. Enter a town or zip code, and reduced-price homes will come up.Details include the number of times the price has dropped, the dates, by how much and the percentage of the reduction. That's useful information: It can demonstrate that the seller is getting especially anxious about making the sale and consumers can adjust their offers accordingly.If, for example, a home has gone through price cuts at regular intervals and is due for another, a buyer may want to wait a few days to make an offer.The site also offers a new comparison feature that allows consumers to look at four listings side-by-side, making it easier to judge the home features and data."The tools can be used to take the pulse of the market today," said Ken Shuman, Trulia's head of communications.
House hunt on YouTube
• Latest median home price in your city• Foreclosures: How bad is your state?The future of real estate marketing is in video, according to many industry insiders. Why look at static Web page photos when you can watch a guided tour of a house and gardens? The giant real estate brokerage franchiser Coldwell Banker teamed up with Google subsidiary YouTube to launch its own video channel last month. Viewers can watch real estate agents talking about the areas they serve, including the schools, parks, restaurants and amenities that make up various neighborhoods. There's a Browse-by-Map that shows all the video listings across the country."Video gives a more robust, nuanced view of the home," said Mike Fischer, VP of marketing for the company.Eventually, much of the site's content will be listing videos that should help house hunters cut through some of the clutter of homes for sale.There are some listing videos up already and the site is adding more all the time. It launched with only 30 or so full fledged home tours and now has about 300. When fully functional, the total should be many thousands.
Market reports
• Latest median home price in your city• Foreclosures: How bad is your state?Homebuyers wondering what the future holds for their investment can turn to Cyberhomes for a market report. The service, which costs $9.95, provides projections for specific neighborhoods and includes 12- and 24-month price-change forecasts. It also reports the number of distressed, foreclosure and REO properties within a ZIP code and then compares that to the rest of the metro area and the state. The report also estimates the strength of the local market and how the volume of sales will change over the next 12 months.The site introduces an element of logic to a transaction that's often fraught with emotion. Homebuyers often act too quickly when they find houses they like, leading them to overpay. So if the market report tells them that prices may be in for a sharp fall and more homes are coming onto the market, they may slow down and make a more informed offer. If, on the other hand, the report shows the market heating up, they may conclude that a quick offer can save them some money. "In today's market, an understanding of the future direction of property values and inventory levels are key factors," said Jay Gaskill, president of Cyberhomes.
5 new tools for homebuyers
Real estate Web sites are constantly coming up with new ways for homebuyers to get information about the market. Here are 5 new sites that can make house hunting easier.
1 of 5
House hunt on the iPhone
• Latest median home price in your city• Foreclosures: How bad is your state?You're driving down a street and see a really pretty home with a For Sale sign on the front lawn. You write down the broker's information and can't wait to get home to take a look at the listing details. If you have an iPhone, you can get the information on the spot.Zillow.com released a free iPhone app last month, enabling consumers to get the low-down on more than 88 million homes - and not just the ones for sale. The app is GPS-powered so the map follows you as you stroll, with price estimates popping up along the way. Pass a sale sign and you can access pricing, number of bedroom and baths, square footage and other info."House-hunting is, inherently, a mobile experience," said Zillow's CEO Rich Barton in announcing the launch.This will add a whole other layer to that Sunday afternoon perambulation.
Find profitable investment deals
• Investors snapping up properties in Detroit• Latest median home price in your city• Foreclosures: How bad is your state?With home prices more affordable than they've been in many years, there are some real bargains. Investors who are less interested in the aesthetics than the bottom line can try InvestorLoft.com's new PropScout to find lucrative options. The tool offers several search filters, which go much deeper than just location and price. For example, Estimated Equity finds homes with big differences between listing price estimated value. Cash Flow ranks homes by the profits they produce. Cap Rate ranks by the percentage of profit on investment.The tool has listings in about 20 states and should be in all 50 by early 2010, according to CEO Walter Charnoff. Consumers can search by city, zip code or property ID.
Ferret out cheap houses
• Latest median home price in your city• Foreclosures: How bad is your state?This spring Trulia.com launched a nationwide filter that enables consumers to search 3.2 million listings for price reductions. Enter a town or zip code, and reduced-price homes will come up.Details include the number of times the price has dropped, the dates, by how much and the percentage of the reduction. That's useful information: It can demonstrate that the seller is getting especially anxious about making the sale and consumers can adjust their offers accordingly.If, for example, a home has gone through price cuts at regular intervals and is due for another, a buyer may want to wait a few days to make an offer.The site also offers a new comparison feature that allows consumers to look at four listings side-by-side, making it easier to judge the home features and data."The tools can be used to take the pulse of the market today," said Ken Shuman, Trulia's head of communications.
House hunt on YouTube
• Latest median home price in your city• Foreclosures: How bad is your state?The future of real estate marketing is in video, according to many industry insiders. Why look at static Web page photos when you can watch a guided tour of a house and gardens? The giant real estate brokerage franchiser Coldwell Banker teamed up with Google subsidiary YouTube to launch its own video channel last month. Viewers can watch real estate agents talking about the areas they serve, including the schools, parks, restaurants and amenities that make up various neighborhoods. There's a Browse-by-Map that shows all the video listings across the country."Video gives a more robust, nuanced view of the home," said Mike Fischer, VP of marketing for the company.Eventually, much of the site's content will be listing videos that should help house hunters cut through some of the clutter of homes for sale.There are some listing videos up already and the site is adding more all the time. It launched with only 30 or so full fledged home tours and now has about 300. When fully functional, the total should be many thousands.
Market reports
• Latest median home price in your city• Foreclosures: How bad is your state?Homebuyers wondering what the future holds for their investment can turn to Cyberhomes for a market report. The service, which costs $9.95, provides projections for specific neighborhoods and includes 12- and 24-month price-change forecasts. It also reports the number of distressed, foreclosure and REO properties within a ZIP code and then compares that to the rest of the metro area and the state. The report also estimates the strength of the local market and how the volume of sales will change over the next 12 months.The site introduces an element of logic to a transaction that's often fraught with emotion. Homebuyers often act too quickly when they find houses they like, leading them to overpay. So if the market report tells them that prices may be in for a sharp fall and more homes are coming onto the market, they may slow down and make a more informed offer. If, on the other hand, the report shows the market heating up, they may conclude that a quick offer can save them some money. "In today's market, an understanding of the future direction of property values and inventory levels are key factors," said Jay Gaskill, president of Cyberhomes.
Great news for first time home buyers!
$8,000 is now available for down payment
The 8,000 tax credit is now available to be used towards your down payment or closing costs. This is fantastic news for all first time homebuyers. Call me today to get your start on owning your own home!
The 8,000 tax credit is now available to be used towards your down payment or closing costs. This is fantastic news for all first time homebuyers. Call me today to get your start on owning your own home!
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