Local Business’s Assisting First Time Homebuyers with Professional Services, Rebates and Discounts over $9,000.

Affordable Loan programs with 100% Financing Available.

Star Smart Choice Affordable Loan Program

The Star Smart Choice Affordable Loan Program provides moderate and low income families a greater opportunity for homeownership in non-urban communities.

• No Monthly Mortgage Insurance Payment. One time MI premium may be financed

• Loan-to-value up to 100% of the purchase price. NO MONEY DOWN.

• Your closing costs – prepaid items and home repairs if necessary can be financed into the purchase price

• 100% of gift money can come from family members and/or friends with the Star Smart Choice Program.

• Eligibility – Credit Score can be as low as 580 and up.

• There is no First-Time Homebuyer requirement

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Star Mortgage® will provide a closing cost credit of $300.00 for every closed mortgage during this limited time offer. Mention this program at the time of application.

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Opportunity of a Lifetime for First-Time Home Buyers

For aspiring home owners who find their goal stubbornly elusive, newly enacted legislation providing a tax credit for 10% of home price up to $8,000 for first-time home buyers might just be the opportunity of a lifetime. But like so many of the good things in life, time is of the essence for buyers who want to take advantage of this outstanding opportunity. Only homes purchased on or after 1.1.09 and before 12.1.09 are eligible.

First-Time Home Buyer Tax Credit at a Glance

* The tax credit is available for first-time home buyers only; defined as purchaser and purchaser’s spouse who have not owned a principal residence in 3 years previous to the purchase.

* The maximum credit amount is $8.000.

* The credit is available for homes purchased on or after 1.1.09 and before 12.1.09.

* Single taxpayers with adjusted gross incomes up to $75,000 and married couples with adjusted gross incomes up to $150,000 qualify for the full tax credit. Phases out above those caps $95,000 and $170,000)

* If home is sold within three years of purchase, entire amount of credit is recaptured on sale.

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Victor & Goldman Attorneys will provide the following credits during this limited time offer.

. FREE review of your Purchase & Sales Contract. ($300.00 savings)

. Free Homestead Preparation. Recording fee extra. ($100.00 savings)

. Receive a 10% discount towards Lender’s Title Insurance on a purchase transaction.

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Carmel Contracting will provide 15% off a remodel of a minimum of $500.00. OR, Have 2 rooms painted and get the 3rdroom free. (of equal or lesser size)

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R.W Carpet & Flooring will provide a 10% discount on the purchase of new floor coverings of $500.00 or more during this limited time offer.

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Paul Hurley T.5 will provide $100.00 or 25% of the inspection cost during this limited time offer. (Savings of $100.00 minimum)

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Hogan Whiting Associates will provide a free radon test on your new home during this limited time offer. (Savings of $100.00)