Now is a great time to consider purchasing a home or refinancing your existing mortgage. Interest rates are at attractive levels and there is a large selection of properties available for your choice!

We have Mortgage loan experts familiar with the current real estate market. Please contact Rob Dotzauer, Susan Sellbow or Loren Fellows. They would be happy to set up an appointment with you to discuss any of the following topics:

• Steps to Pre-approval and Financing
• Buying a Home in Today's Market
• What to Expect at Closing
• The Advantages of Owning your Own Home

The tax credit comes from the American Recovery and Reinvestment Act of 2009 and is for first-time home buyers only.  The IRS’s definition of a first-time home buyer is someone who has not owned a principal residence for the past three years. Another great feature is the tax credit does not have to be repaid as long as you do not sell your home in the three years after purchase. The amount of tax credit a first time home buyer will receive is equal to 10 percent of the home’s purchase price up to a maximum of $8,000. Single taxpayers with incomes up to $75,000 and married couples with incomes up to $150,000 qualify for the full tax credit. That tax credit is available for homes purchased on or after January 1, 2009 and before December 1, 2009. Please talk to you tax advisor on how to take advantage of this tax credit.

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