Local Business’s Assisting First Time Homebuyers with Professional Services, Rebates and Discounts totaling to over $9,500.

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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Goodwin Realty Group will credit our First-Time Home Buyer clients with $1000.00 cash during this limited time offer.

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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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First-Time Home Buyer Tax Credit at a Glance

* The tax credit is available for first-time home buyers only.

* The maximum credit amount is $7,500.

* The credit is available for homes purchased on or after April 9, 2008 and before July 1, 2009.

* Single taxpayers with incomes up to $75,000 and married couples with incomes up to $150,000 qualify for the full tax credit.

* The tax credit works like an interest-free loan and must be repaid over a 15 year period

For aspiring home owners who find their goal stubbornly elusive, newly enacted legislation providing a tax credit of as much as $7,500 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 April 9, 2008 and before July 1, 2009 are eligible.

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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)