It didn’t take long. As soon as the federal government began offering an $8,000 tax credit to first time home buyers, scam artists got to work.

Authentic-looking Web sites have been designed to lure in vulnerable consumers and their money. Web sites often use pictures of President Obama offering assistance about the tax credit. In some cases, programs are set up to mine information off user’s computers when they click for information.

Some sites are asking for bank account numbers. What they’re saying is, if you send us your bank account information we can get you the money faster. Not true. In fact watch out for any site offering to get you the $8,000 faster, or promises to double or triple the credit.

The rebate comes from the government, is handled by the government and it’s rebated through the government, no one else has the ability to access this money.

Buyers who are still scratching their head about how the credit works can contact a licensed Realtor, the Federal Trade Commission, or their local Better Business Bureau. You can find the basics here: $8,000 Tax Credit for First Time Homebuyers and an FAQ located here: http://www.federalhousingtaxcredit.com/faq.php

Get Pre-Approved

Becoming pre-approved for the purchase of a home is essential if you want to spend your time wisely. If you are pre-approved for a mortgage loan, then you know exactly what price home you can buy. Pre-approval is different than pre-qualifying and the difference is important. Pre-approval means a buyer has gone through the credit and full verification process of a mortgage lender, and the lender is ready to write the check. A pre-approval is a lender's firm commitment on a loan. This lets you, the buyer, enter into negotiations with the seller with confidence. Pre-qualify simply means that certain financial data has been provided to a lender and based on the information provided, a buyer should be able to afford a home in a determined price range, but nothing has been verified as to the true credit-worthiness of the buyer. A pre-approved buyer is gold to a home seller. It is the best position a buyer can be in when negotiating a home purchase.

Getting pre-approved can also eliminate a lot of stress for both parties. If the buyer is aware of the amount of the home that can be purchased, then looking at and making offers on homes out of their price range is avoided. There is nothing more disappointing than to find the home of your dreams only to be told by a lender that you do not qualify for the loan. It is disappointing for both buyer and seller, and can be easily avoided by becoming pre-approved for the home purchase.

We've removed the guesswork from finding a Lender by hand selecting local area experts that have proven track records.

What we look for in our affiliate Lenders

~ Honesty and Integrity.

~ The Highest Professional Standards.

~ Prompt, Knowledgeable, and Attentive Service.

Complete the form below, and you will be matched with a Lender from our approved list.

If you have questions, or would like more information, please feel free to contact us:

Mortgage Comparison Calculator   ~~Compare mortgages with different terms.              top of page

Calculate and compare (formatted side by side) the monthly payments for up to 4 mortgage loans. Enter your sale price, any down payment you're making, the interest rate and the term of each loan. This calculator will then show you the monthly principal and interest payment, the total amount of interest you will pay and the total amount of money you will spend over the life of each loan. You can also enter the points and other closing costs and roll those into your loans. You can even enter an additional payment amount you intend to pay each month to work down your principal and the calculator will show you the anticipated payoff time.

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