THERE HAS NOT BEEN A BETTER TIME TO OWN A HOME IN DECADES! 

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose a Top Expert. 

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Winston-Salem, Clemmons and Lewisville real estate expert, it's my job to guide you, from beginning to end. 

I will take the time to go through each and every step of the buying process. There are no dumb questions! 

Together, we will consider: 

- How much can you really afford? 

- How to qualify for a mortgage. 

- How much cash you should put down. 

- How to buy a home with little or nothing down. 

- What it takes to get approved for financing. What banks and other financial institutions are looking for. 

- How much your payments will be. 

- The tax advantages of buying. 

- Is renting or buying better for you? 

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. 

For Americans debating whether to buy or rent their homes, the scales are tipping toward ownership. Because of the slide in home prices, low interest rates and tax incentives, renters are realizing they could handle a mortgage for a just little more money. 

An Associated Press analysis of 45 metro areas finds the gap between the monthly mortgage payment on a median-priced home and the median rent has shrunk from $777 a month to just $221 in the past three years. 

It could mean a quicker end to the housing-market doldrums, as renters buy up unsold homes languishing on the market. 

In some metro areas, including Cleveland, Atlanta, Indianapolis and St. Louis, the gap was less than $100 a month. And home prices are expected to fall faster than rents this year, which means the gap should get even smaller. 

In once-inflated markets like Phoenix, Las Vegas and inland swaths of California and Florida, where prices have tumbled more than 40 percent, sales are rising because first-time homebuyers are snapping up bargain-priced homes. 

They are getting help from a federal tax credit that covers 10 percent of the home price or up to $8,000 for first-time buyers who earn up to $75,000 a year, or $150,000 for a couple. The credit expires at the end of November. 

Cheap foreclosures in some of those markets are now drawing multiple bids. As supply and demand even out, home prices will eventually begin to rise. But for now buyers are having little trouble finding bargains. REBAC Information 

STIMULUS PACKAGE TAX CREDIT!  

If you purchase a home before April 15, 2009 you could get up to $8000.00 in your tax return THIS Year…If you know anyone who is looking to purchase a home for the first time or has not owned a home in the past 3 yrs they maybe able to get this money this year…please read the below highlights to this tax credit… 

Some of the rules for 2009 first-time-homebuyers tax credit are: 

*The new tax credit does not have to be repaid unless the home is sold within three years of purchase date. Applies only to first-time homebuyers, or anyone who has not owned a house in the past 3 yrs.  

*This is for purchasing a primary resident home only. Investment property & 2nd homes are not eligible 

*Available only for homes bought between Jan. 1, 2009 & Dec. 1, 2009. 

*Only individuals with an adjusted gross income below $75,000 & married couples with a combined adjusted gross income below $150,000 can take advantage of this tax credit. 

*Tax credit is based off of 10% of the purchase price, with a max of $8,000. 

Example, a first time buyers who purchases a $125,000 home could get a tax credit up to $8,000, while a first time buyer purchasing a $50,000 home would be eligible for a tax credit only up to $5,000.  

*The biggest immediate advantage is: The credit can be taken on 2008 taxes even when the purchase is made in 2009. 

Homebuyers can take the credit on their 2008 tax returns even if they purchase the home in 2009. 

Homebuyers can take advantage of this filing exception in 1 of 3 ways: 

1) Closing on the home prior to April 15
2) Getting an extension to file taxes later in the year or
3) Filing an amended return. If you do not take the tax credit in 2008 you can on your 2009 tax returns. This credit can also go towards any money you may owe the IRS. 

DON'T WAIT ANY LONGER. GREAT RATES, GREAT PRICES & GREAT TAX CREDIT!!! 

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly...