Miami New Homes Apartments for Sale Coral Gables Kendall Doral Brickell Homes

Best Time to Buy a Home is Today Mortgage Rates Drop To 40-Year Lows
We Work with the Top 100 Banks USA
When Banks Compete you Always Win

Dear home Buyers and Sellers: I have helped lot families like yours in buying, selling or their homes in Florida. We know it is a big investment, both emotionally and financially. Along with a substantial financial commitment, such transactions usually involve risks, and legal considerations.

You will need of a proven Best Real Estate Professional. I understand the importance of trust and respect between families. I extend those qualities to each of my clients every member of your family will be treated with Honor and Respect. Make a Smart Decision Call Me Now to Start Saving, Miguel Angel 305-407-3547 or 407-625-4292.

$8,000 for First-time Home Buyers

The news is true. The $787 billion (yes, that's with a "B") stimulus plan has been signed into law, and contains an $8,000 tax credit for first-time home buyers that is difficult to ignore. Seriously, $8,000 for buying a house? Even if you haven't considered it before, this incentive is a very big deal for the local housing market.

So you want to know: Do I qualify? What are the details?

Who qualifies? Only first-time home buyers. As long as you haven't owned a home in the past three years, you qualify for this tax credit. And don't try to fool the system, either: The rules apply to married couples, even if one spouse is a homeowner and the other is not.

How much money do I get? The tax credit is for 10 percent of the purchase price or $8,000 (whichever is less).

When do I have to buy? You must purchase a home between Jan. 1, 2009 and Dec. 1, 2009. This is determined on the CLOSING date, not when an offer is made.

Is there an income limit? If you're single and make more than $75,000, or married making more than $150,000, the tax credit phases out.

Do I have to repay it? As long as you live in the home for three years, no. It's all yours. If you move within three years, you give it back.

What exactly is a tax credit? A tax credit is money you receive directly against your tax liability, or money you'll get back. It's a dollar-for-dollar reduction in tax liability, or an increase in your tax refund check. Quick examples:

1. If you owe $7,000 for taxes, you'll now get $1,000 back in your refund.

2. If you were getting a $500 refund, you'll now get $8,500 back.

How do I submit a request for $8,000? When you file your taxes, there is an additional form (form 5405) you'll file with your return. This has a series of questions to qualify you, then you'll include that with your normal tax return.

When do I get the $8,000? The credit will be a part of your tax refund (or reduce your tax liability) in the year you file for it. Bonus: It's not counted as income in next year's return.

What if I already filed my taxes for 2008? You can file an amended return and get your money more quickly. Check with our tax advisor to see if this is a suitable solution for you.

What if I purchased a home in 2008? Only homebuyers that purchase in 2009 qualify for this new tax credit. It's not retroactive.

It's obvious that right now is a great time to purchase a home. With rates the lowest they've been in 30 years, home ownership is a more achievable goal than ever. Loans are still being approved for people who can afford to repay them, and there are still some great mortgage programs out there.

US Mortgage Applications Surge by Record Amount U.S. mortgage applications surged by the largest amount on record last week as a new Federal Reserve program pushed interest rates down to their lowest level in more than 3 years

Many borrowers missed an opportunity to take advantage when rates dropped sharply for a brief period Interest rates are at their lowest level since the week ended June 24, 2005, when they reached the same level.

The low interest rates can help many drop their monthly payments, and is especially good news for those who have adjustable- rate mortgages and are looking to lock in a secure fixed-rate mortgage.

Don't Wait and lose another Opportunity of the next Real Estate Boom Call me today at (305) 407-3547 (407) 625- 4292 and you can stop making your landlord rich and start building your future.

Never Buy a Home Alone, direct from the Builder Before you does You Need to know this Secrets

Click Here

Check your credit report before you buy a home and Get Pre-Approved Checking your credit When buying a home, one of the first things you should do is check your credit report and score. Your credit score is probably the most important piece of information a lender considers when deciding on your interest rate, so you want to be sure that everything on your credit report is correct. Mistakes can hurt your credit score, increasing your rate and monthly payment. you will need to get pre-approved letter for a mortgage before hunting for the home you want to buy. Always Start with Credit Score

Shopping for a home without mortgage pre-approval is kind of like shopping for clothes without knowing how much money is in your wallet. The best way to know how much you can afford to spend on a home is to get pre- aproved for a mortgage and then look for a home that the mortgage amount will cover.

Being pre-approved for a mortgage may also give you a market edge when home buying. If a seller has two buyers interested in purchasing the home at the same price and only one already has mortgage pre-approval, the one who is pre-aproved is much more likely to get the home.

How about a loan to fit your lifestyle and budget? Whether you're thinking of buying a home, refinancing your current property or a current customer looking for information, start your research here!.Apply Here Now...

Why Now Is The Perfect Time?

Are you afraid it's the top of the market? With interest rates the lowest in 30 years, I think the risk is greater that the interest rates will go up in the future not that home prices will go down more and more But even if prices do go down a little, if interest rates tick up, the monthly payment on that house will be higher, even if the price is less. So your risk in trying to "pick the bottom" is that you'll miss out on today's very low interest rates. And besides, I don't believe that prices will fall in the entry-level price range, for a number of reasons that I'd be happy to share with you personally.

The next step is up to you I'd suggest sending me an Application Mortgage to be Approved Apply for Mortgage Click Here or giving me a call and we'll see what can be done. Even if your lease isn't up yet, we should still get the ball rolling, because we may have some credit work to do, and that could take 3 months or more. If you're not ready to talk yet, but would like to be kept up to date with the real estate market, then sign up for my email newsletter.

Either way, do something. Get something to show for your efforts. Don't be like the old saying, "Work your fingers to the bone, and what do you get? Bony fingers." You know, next year at this time you could still be renting, or you could be in your own home building equity. You might even discover you're handy at doing home improvements, as some of my clients have done, and they've really increased the value of their properties quickly.

Who knows what you'll accomplish once you have this big unfinished business of not owning your home out of the way? You know you need to do it - it's like a big weight holding you back until you get it done. Today's a good a day as any.

Real Estate Agents 25% referrals

We love your referrals if you Know some Friends Families or Co-workers that will need to Buy Sell or Refinance a Home please introduce their information here they will Thank you and We will Thank you with a Gift certifique of $500. Thanks

Please register here and became a VIP Customer, Find 1000 of Homes for Sale in Florida We are Number 1 Selling Company in Florida named Best Real Estate and Home Mortgage Company hundred of satisfied customers already have been registered with our programs. Don't wait more if you are thinking in Buying? Selling? Or Refinancing? you are in the right place, before sign any contract or document call us and SAVE YOUR MONEY, SAVE THOUSANDS WITH US NOW- Orlando: 407-625-4292 Miami: 305-407-3547 Thank you and Congratulations......

Complete Name
Complete Address
City State Zip
Home Phone
Cell Phone
Email address
Home Price
Loan Purpose
Loan Amount
Down Payment