What a great time for FIRST TIME HOME BUYERS!!  Interest rates are at an all time low and the Federal Government is giving out up to an $8,000 direct tax credit for purchasing a home by December 1, 2009.  This is a credit that will come off your income tax.  You can either ammend your 2008 tax return to claim the tax credit now or wait until you file your taxes for next year and get it in 2010.  This $8,000 is not a loan and does not have to be repaid.  If you want more informaton on this program go to http://www.federalhousingtaxcredit.com for more details

There are plenty of mortgage options available too.  If you want to do some home shopping your first stop should be at a bank or mortgage broker who will check your income and determine how much you can afford to spend.  This is an important step in home shopping as it allows you to find the home you want and make an immediate offer on it.  Some of the lowest priced homes that are coming on the market these days are going into contract within the first 24 hours that they hit the market - especially the homes that are in good shape.  If you happen to live in the Palm Coast area, you can attend a Home Buyers Seminar.  Seminars are offered monthly at the Giumenta School of Real Estate, 4871 NW Palm Coast Parkway, Ste #2, Palm Coast, Fl.  This is a FREE no obligation seminar sponsored by Florida First Choice Mortgage, Inc.  Call for dates and times -  386-246-6322.  This is your chance to ask all the questions you need to know to make a wise decision on the purchase of a new home. 

If you are interested in buying a new home or know of someone who is looking, have them email me or give me a call and I can provide information on all the appropriate listings that are available and would be of interest.  email: mj@maryjaneholland.com   Phone: 386-627-0937

If you, or anyone you know, are looking to buy or sell some real estate, call me - I offer you an open and honest opinion on the value of your home.  If you're selling I will give you an idea of what it will take to get your home sold as quickly as possible.  If you are buying, I'll find you the best home your money can buy.

Selling, call for a FREE Market Analysis.  Buyers and Sellers, take your time to make a good solid choice.  Pick a Realtor who is easy to work with and listens to your needs.

I am determined to make your dreams come true.