Thank YOu for Making My Future Dreams a Reality!

What a team you folks are. April sent me a listing as a last thought and said this is the one. It was beatiful. She introduced me to Steve my new financial guy on the Island forever.

Fred talked to me about including my son as a part of this deal. He lit up like a light bulb when I took Fred's suggestion.

Great website Fred - I never would have contacted you folks or known about your company without it.

Betsy was the "rock." She showed class, warmth, intelligence and helpfullness. Her patience with me was exactly what I needed. Never did I ask a question, or have a need, without receiving an immediate answer.

Then we received a beautiful floral arrangement. Thank you.

Merry Christmas to all of you and thank you for making my future dreams a reality. 

Bob and Eloisa Decker

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First Time Buyers >More Down Payment Help One of the most common deterrents to first-time home buyers is the lack of a down payment. However, the home loan industry has practically re-created itself in the last ten years, making it easier than ever to obtain a mortgage, and new mortgage programs are always cropping up. Some states sponsor loan programs that allow buyers to purchase a home without putting any money down. A parent or other relative can guarantee repayment of ten percent of the loan if the buyer defaults. The only cash needed is for the closing costs, which typically run about three percent of the loan. Parents can also give their children down payment help through a personal note or second trust deed. The terms can be set up for monthly payments or annual payments amortized over a period of time. You could pay the interest only, and have the payoff due when the property is sold. With so many alternatives, doesn't it make sense to call your real estate agent for a free consultation? You may be closer to home ownership than you think. See All Tips In The "First Time Buyers" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What has a tremendous impact on the U.S. economy, comprising between $10-$15 trillion of the nation's wealth? A  Real Estate--it goes through cycles, but still has a long-term record of strong investment return. See More Real Estate Trivia >