Senate Adds $8,000 Home-Buying Tax Credit to Stimulus Bill Click HERE!!!

Click here for rules Homebuyer Tax Credit Chart !!!!!!!

February 05, 2009 11:26 AM ET

First-time home buyers:

First-time home buyer credit increased to $8,000 for qualified first-time home buyers purchasing homes after Dec. 31, 2008 and before Dec. 1, 2009; repayment requirement waived unless sold or no longer principal residence within 36 months.

"First-time Homebuyers now is the time to Buy" A home in So Cal.              CAL FOR A FREE PROPERTY LIST IN YOUR AREA.

Your decision to buy a home is both a sound financial decision and a commendable achievement. As your real estate agent . . .

Qualify for An FHA Goverment Loan 3.5% Down Payment. " Credit Scores as low as 620 are Ok".

There are lots of reasons to ask your lender for an FHA loan instead of taking a conventional or an expensive and risky sub-prime mortgage loan. Why not take advantage of the many benefits and protections that only come with FHA:

Easier to Qualify - Because FHA insures your mortgage, lenders are more willing to give loans with lower qualifying requirements so its easier for you to qualify.

Less than Perfect Credit - Even if you have had credit problems, such as bankruptcy, its easier for you to qualify for an FHA loan than a conventional loan.

Low Downpayment - We have a low 3% downpayment, and that money can come from a family member, employer or charitable organization. Other loans don't allow this.

Costs Less - Many times, FHA loans have competitive interest rates because the loans are insured by the Federal Government. Always compare an FHA loan with other loan types.

        Lear more on FHA Loans Click Here!!!

• I will lead you through every step of the exciting home buying process.
  
• I will help you define your "wish list" of features you want in your home, your neighborhood and your school district.
   
• I will walk you through the mind-boggling financial details associated with buying a home, including understanding the various mortgages and home buying programs available to you.
   
• I will monitor all new listings and alert you to new houses as soon as they are put on the market.
   
• I will eliminate the stress involved with buying a home by putting my years of real estate experience to work for you.

Homeownership Assistance: California,

Need help buying a home? You may qualify for one of these programs.

	California Housing Finance Authority (CalHFA) - homebuyer programs, including downpayment and closing cost assistance
	California Affiliates of Habitat for Humanity - through volunteer labor, builds and rehabilitates houses for families in need
	U.S. Department of Agriculture Rural Housing - homebuyer programs in rural communities
	Clearinghouse for affordable housing and community finance resources - a source of information on over 200 housing programs, government, private lenders and foundation grants
	State of California Housing and Community Development
	HUD approved housing counseling agencies
	Community contacts - find out if your community offers homeownership assistance

Programs by City/Town

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Finding the Perfect Home is my Business... Contact me today!

 Jose@pacrealtyinc.com                    714.318.7111