DON’T MISS OUT ON THIS
GREAT OPPORTUNITY TO
PURCHASE YOUR
DREAM HOME AND
POCKET SOME HUGE SAVINGS!
G O V E R N M E N T O F F E R S
$ 8 0 0 0 T A X C R E D I T T O
1 S T T I M E H O M E B U Y E R S !

Shona Namie 612.865.8070 Realtor
Scott Smith 612.327.8666 PHH Home Loans

Contact your PHH Home Loans Mortgage Consultant
for more information and a free same-day pre-approval:
Mortgage loans are subject to qualification, receipt of satisfactory appraisal
and verification of income, asset and debt information provided
by the seller. *Certain eligibility criteria must be met. Homebuyers
should consult their tax advisor for further details. Financing provided
by PHH Home Loans, 7550 France Ave. S., Edina, MN 55435. Authorized
to lend in MN, WI and IL. This is not an offer to enter an
interest rate lock-in agreement. Not intended to be a solicitation
in any other state. Prices and programs are subject to
change without notice.
Interest rates are at all
time lows, inventory is high
and money is available to lend!
Now is the perfect time to buy.
CALL TODAY!
A tax credit is available for 1st time homebuyers
under the American Recovery and Reinvestment Act
of 2009. If you buy a home between January 1, 2009
and December 1, 2009, you may be eligible to receive a
tax credit for 10% of the purchase price of your home
up to $8000. Program highlights include:
· Any individual (and if married, their spouse) who has had
no ownership interest in a home during the last three years
is eligible
· Full credit for single taxpayers with incomes up to $75,000
($150,000 on a joint return); partial credit for income up to
$95,000 ($170,000 joint return)
· Available only for the purchase of a single family home,
townhome, condo, and new construction that will be used
as a principal residence
· If your home is sold before 3 years, the 1st time homebuyer
(who is now the seller) must pay the IRS the entire amount
of the tax credit at closing
· Homebuyers can reduce (or even eliminate) their income
tax liability for the year of purchase by claiming the credit
on their tax return.*