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First Time Home Buyer Programs

First Time Home Buyers Seminar to be held on Saturday, August 15th at Wellesley Free Library by Massachusetts Association of Buyer Agents

First Time Home Buyers Seminar to be held on Saturday, August 15th at Wellesley Free Library by Massachusetts Association of Buyer Agents

WELLESLEY, MA…

Massachusetts Association of Buyer Agents, (MABA), a non-profit buyer advocate organization will hold a First Time Home Buyers Seminar on Saturday, August 15th at 9 a.m. at the Wellesley Free Library located at 530 Washington Street, Wellesley.

The seminar is FREE and will be held in the Wakelin II room.  The workshop will be 90 minutes long followed by a question and answer session.  Light refreshments will be served.  First Time Home Buyer certificates will be awarded to all who attend.

MABA’s First Time Home Buyer Seminar will address a variety of topics including First Time Home Buyer programs; the loan process; types of mortgages; hidden fees; home inspections; appraisals; disclosure and more.

First time home buyers as well as home buyers who have not gone through the home purchasing process in a number of years will benefit from this educational seminar which will be led by a Buyer Agent, an attorney, a lender and a home inspector.

“Some financing organizations require a first time home buyer seminar certificate, which we will provide.  Our seminar is designed to arm buyers with the most current information available as they seek to make one of the largest purchases of their lives,” explained John Karcher of MABA.

Due to a provision in the American Recovery and Reinvestment Act of 2009, taxpayers who have not owned a primary residence in at least three years time are considered “first time home buyers” and are eligible for a tax credit of up to 10 percent of a home’s purchase price (maximum ,000).  The Federal Housing Administration (FHA) is allowing first time home buyers to use their tax credit towards a down payment or closing costs on a new home.

For more information about MABA’s First Time Home Buyer Seminar, contact 1-800-935-MABA.

About MABA
The Massachusetts Association of Buyer Agents (MABA) is a unique organization realtors and brokers throughout the state who are committed to protecting home buyers.  Founded in 1991, MABA is a non-profit organization recognized nationwide for its
efforts to educate licensees and consumers about agency issues.  The organization is self-regulated and every member must take a pledge of undivided loyalty to the buyer client.

MABA agents are dedicated to providing quality, fiduciary-level services to home buyers and specialize in trying to save buyers time and money.  MABA members never represent both the buyer and the seller in the same transaction and they never ask a buyer client to waive his/her right to full buyer representation.  Members are serious about due diligence and will inquire about non-disclosed property information.

For more information, visit the website at MassBuyerAgents.com or contact 1-800-935-MABA (6222).

First Time Home Buyer Programs

realestatemarketingthisweek.com – Now is a great time for first time home buyers to get into the real estate market – Part 3 – Back in studio of course Brett Fallon are favorite and one of America’s best financial advisors, and a very good friend of mine for a long time also Dan Havey. Dan, what is the name of the book? The name of the book that I am in the middle of writing is called, Real Estates Future. What it is, is a model that I created with a friend of mine. I didnt believe this was possible when it was first brought to me, but after working on it for six months and doing a lot of research I found that we were actually able to predict, in advance, through a whole series of equations and data, we were actually able to predict in advance the top of the last real estate market here in Phoenix by six months. So were doing a lot more research to see if we can take that to a broader national level and see if we can come close to actually giving people an idea in advance of the top and bottom of the real estate market. And this is not the doom and gloom type stuff, this is reality, this is not media spin or anything, correct? No, this is just numbers. That’s all this comes down to, numbers, a lot of different equations. I am not going to bore people with all the complicated stuff. When I was in college I started out with a degree in computers and mathematics and eventually ended up getting a degree in finance, so Ive got a lot of numbers spinning around in my head. The …
First Time Home Buyer Programs
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Housing Grants

What Can Free Housing Grants Pay For?

What Can Free Housing Grants Pay For?

Free housing grants can cover many aspects of home ownership. While many people think of these grants when looking to buy a house, there are actually several other purposes for them.

Home repairs or upgrades are possibly the most overlooked targets for housing grants. However, they are offered at many government levels, from the federal level all the way down to the municipal, or township, level.

Hector Milla Editor of the “Free Scholarships And Grants” website — http://www.FreeScholarshipsAndGrants.org/free-government-grants-money — pointed out;

“…These grants can pay for new furnaces, water heaters, wells, and the like. There are also grants to pay for making improvements in a home’s fuel efficiency, such as installing new windows or insulation…”

Housing grants also cover aspects of actual home buying. There are grants which will pay for the down payment on a new house. This can allow people who have a steady income to buy a house even if they couldn’t normally come up with the required initial outlay. The actual money for these grants may come from federal funding, but the programs are often administered at the state or county level.

“…There are a few ways to find free housing grants. You can look in the big grant book put out by the United States Government, but this book is written in a dense legal style. Local officials know about the grants administered by their offices, but they often won’t be able to tell you about programs run directly by the federal government or agencies outside of their jurisdiction. The last way is to use a grant-finding site. These sites aggregate grant information from multiple sources, and can be searched by users to find possible grants to apply for. For most people, this will be the easiest and most convenient way to find grants of interest to them…” added H. Milla.

Further information about trusted and reputable sources for government grants by visiting; http://www.FreeScholarshipsAndGrants.org/free-government-grants-money

First Time Home Buyer Programs

Hector Milla runs his corporate website at http://www.OpsRegs.com where you can see all his articles and press releases.

First Time Home Buyer Programs

First Time Home Buyer: Get a Free Credit Report

First Time Home Buyer: Get a Free Credit Report

You’ve probably seen the many advertisements that promise, a free credit report. You may have asked yourself, how is it possible for all these companies to offer these attractive free services? The answer is, like a lot of things; there is a catch. The catch, of course, isn’t an obvious one, when it comes time to sign up for a free credit report. What many of these unscrupulous companies do is they get you signed up for a free credit report first. Many consumers are finding out the hard way that they have been taken with things like recurring billing and the like. This is how a large number of companies offering free credit reports make their money.

Fortunately, there is a solution to this. Due to numerous consumer complaints the government has provided a resource that allows you to get a truly free credit report. By going to annualcreditreport dot com you can get a free credit report, thanks to our government. The only drawback, however, is that you can only get one free credit report once a year from each of the three credit reporting bureaus.

So, you may be asking, why is it important first time home buyer to get a free credit report? Your credit report shows a complete history of your credit. In some cases, this is gratifying, and others it is disturbing. Regardless of how great you think your credit is it’s always a good idea to check your credit. With identity theft on the rise, checking your credit regularly is more importance than ever. Getting a free credit report, the right way, doesn’t cost you a thing. What it does for you is allow you to see if there are any issues on your credit history. This can be particularly important for the first time home buyer. If you have unresolved issues looming on your credit report it could negatively affect your credit score, resulting in a higher mortgage rate. And assuming that getting the lowest rate on your mortgage is important, you’ll want to make sure your credit is squeaky clean.

It is not at all uncommon for individuals to find mistakes on their credit report. These mistakes can be cleared up, relatively easily with your creditors. You may have an unresolved bill that’s holding your credit down. Even the smallest of unpaid bills can have a negative affect on your credit. All these things can go unresolved if you’re not on top or credit report. Discovering these issues helps in the process of improving your credit so that you get the lowest interest rate possible on your home loan.

Things are hard enough the first time home buyer. You have to come up with a large down payment. You have two get approved for a loan. You have to cover closing costs. The list goes on. Getting your credit straightened out is one of the easiest ways to get on track for the first time home buyer.

After you make sure you have no credit issues, or you get any unresolved issues straightened out, you’ve taken the all-important first step. There are many first time home buyer programs available. Some allow for lower down payments or lower interest rates when it comes to buying your first home. You can withdraw money from qualified plans early if you’re a first time home buyer. There are even some grants in specific states available. Do some homework and be sure to take advantage of these programs, it can save you substantially. And with the cost of real estate, and just how hard it is to be a first time home buyer, you’ll need every advantage you can get.

First Time Home Buyer Programs

If you’re a First Time Home Buyer looking to buy your first home you can visit the site for more details. For more on how to get a Free Credit Report you can get more specifics on that as well.

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