The government has extended and amended the First Time Home Buyers Tax Credit. If you are a first time home buyer or if you qualify for the new tax credit contact me today and I can put you in touch with a local lender that specializes in FHA, VA and USDA loans. Not sure if you qualify for the tax credit? I have provided a link that will give you the information you may be looking for. www.federalhousingtaxcredit.com

I have also provided links to web sites for home owners that are not sure if they need to sell their home and may be up side down on their mortgage. These sites provide information that may help you determine if you qualify for a loan modification such as www.MakingHomeAffordable.gov.  If you are facing foreclosure the government has several web sites that can also guide you, one of them is www.hud.gov/foreclosure.   

A qualified, competent real estate agent will help you navigate the myriad of decisions that arise when buying and selling a home. An agent provides value to the homeowner in many ways:  

• Pays for all marketing and advertising costs.
• Adds experience and expertise in all aspects of the sales process including marketing, financing, negotiations and more. 
• Handles all showings.
• Brings a network of known, trusted real estate professionals. If your agent doesn't have the answer, he or she likely knows someone who does.
• Always has your interests in mind so you always have someone on your side.
• Can handle and advise on all price and contract negotiations.
• Provides you with all the possible options and opportunities without holding back.
• Gives an unbiased, realistic view of your home and your options. Unlike buyers and sellers, an agent has no emotional attachment to property.
• Has the knowledge to help you ask the right questions.
• Being a third party, potential buyers are more likely to tell your agent the truth about your home, even if it is unflattering. This objective viewpoint will help you make the necessary changes to get your home sold.
• Your time is valuable. A real estate agent allows you to spend your time how you want.