Take advantage of this great buyer's market and today's rates. Invest in your future. Call me today to find out the benefits of becoming a homeowner! 

Most folks agree that indeed is a great time to buy the house of your dreams. Not only can you select your preferred location, but in many instances you can get the terms you want! Prices have dropped considerably in most areas, and Sellers are anxious to negotiate and help you cover your closing costs! Combine this with the historically low interest rates of today's market, and you have a win, win scenario! Check out June '09 sales, up 11%, WOW, they continue to go up, which simply means that the market is heading in the right direction, and this could only mean higher prices in the near future! So, why not do it when you can actually afford to do it? Just consider how many years of hard work it will take you to save to cover closing costs alone!

As an added incentive, the federal government has now extended the first time buyers $8,000 federal tax credit until April 1, 2010. But don't wait too long, rates could be higher next year. Beyond the extension, the tax credit program also expanded an additional credit to repeat home buyers. For homes purchased after Nov. 6, home buyers are eligible for a tax credit of 10 percent of the sale price -- up to $6,500 for the purchase of a house. But the program is not without stipulations. First, repeat buyers must have lived in their current home for at least five consecutive years of the last eight and the new home cannot be more than $800,000. The new home sale must occur by June 30, 2010, but a binding sales contract must be in force by April 30, 2010. The buyer must also make $125,000 or less and a married couple cannot make more than $225,000.

Go http://www.realtor.org/HOME_BUYERS_AND_SELLERS/2009_FIRST_TIME_HOME_BUYER_TAX_CREDIT  for additional information.

 The right time to buy is now! 

Your first step should be to select your new lender. With the ever changing mortgage industry, it would be a very good idea to carefully select your new "loan officer". You would probably want someone with extensive experience, and who has up to date information on new lending guidelines! I will gladly recommend a few trusted and tested mortgage loan officers, who have helped past clients, just ask me for it!

Your second step would be to contact the real estate agent of your choice!

Insist on an agent ready and able to make a full time commitment to you. I can and will do that.

Demand an agent with the experience needed to know the local neighborhoods, schools, market conditions, ordinances, etc. With my years of experience in the local market - I have the expertise and track record of success you need.

And finally, an agent who embraces the convenience of technology without losing the personal touch. You'll love the resources available on my website and the email alerts that I send, but these will never replace the time I spend with you, serving as your personal guide through this exciting process.

Let's get together and talk about your home buying and/or selling plans. Call me at the office (301-933-0058) or on my cell phone (301-537-7063) or send me an email (mruiz@mris.com), we'll setup a time that is easy and convenient for you to meet.

P.S. If you're not ready to meet in person, please tour through my website. I'm sure you'll find the resources here useful and helpful. Enjoy!

Scroll down to see some special properties, and to see all available listings go to www.homesdatabase.com. Remember to come back to my website and send me an email if you like to preview any of them, or just to get the most up to date status!

Would you like to receive daily, real time listings of available properties in Maryland, Virginia or the District of Columbia? Send me an email to mruiz@mris.com, or fill out the form below. My treat!

100% financing now available  with great rates and closing costs paid! Don't delay it any longer! Call me or email me today for details!