Obama Signs Homebuyer Tax Credit Extension

On November 9, 2009 President Barack Obama signed and approved the first-time homebuyer tax credit extension. It extends the tax credit to all buyers who have a signed Purchase Agreement on a home prior to May 1, 2010 and close prior to July 1, 2010.

This extension is part of the economic stimulus bill that extends the $8,000 tax credit for first time homebuyers and also now expands the program to offer a credit of up to $6,500 to homeowners who have lived in their current home for at least five consecutive years of the last eight years and are seeking to purchase a new home. The new home must be a primary residence and can include properties of up to 4 units as long as the purchaser will live in one of the units.

Here are details regarding the bill:

Who is Eligible

• First-time homebuyers, who are defined as buyers who have not owned a principal residence during the three-year period prior to the purchase, may be eligible for up to an $8,000 tax credit or 10% of the purchase price of the home
• 
  Existing homeowners who have been residing in their principal residence for five consecutive years out of the last eight and are purchasing a home to be their principal residence, will be eligible for up to a $6,500 tax credit.
• 
  You must file taxes to be eligible to participate in this program.

Income Limits

• Homebuyers who file as single or head-of-household taxpayers can claim the full credit ($8,000 for first-time buyers and $6,500 for repeat buyers) if their modified adjusted gross income (MAGI) is less than $125,000.
• 
  For married couples filing a joint return, the combined income limit is $225,000.
• 
  Single or head-of-household taxpayers who earn between $125,000 and $145,000, and married couples who earn between $225,000 and $245,000 are eligible to receive a partial credit.
  

Effective Dates

• The eligibility period for the tax credit is for homes purchased (closed) after Nov. 6, 2009, and before May 1, 2010.
• Also, home purchases subject to a binding sales contract (Purchase Agreement) signed by April 30, 2010, will qualify for the tax credit provided closing occurs prior to July 1, 2010.

Types of Homes that Qualify

• All homes with a purchase price of less than $800,000 will qualify This includes new construction or resale single family homes, townhomes, or condominiums. The home must be used as the purchaser's principal residence. Note that purchases of vacation homes and rental properties do NOT qualify.

Tax Credit is Refundable

• You may take the credit on your 2009 or 2010 tax returns.
• Be sure to check with your tax adviser!
• If the amount of income taxes you owe is less than the credit amount you qualify for, the government will send you a check for the difference.

This tax credit does not have to be repaid unless the home owner sells or stops using the home as their principal residence within three years after the purchase.

Frequently Asked Questions from the National Association of Realtors Government Affairs Division.

Go here for The Basics on the Extended Homebuyer Tax Credit.

One again, if you have additional questions or concerns on how to apply the provisions of the new program, please call at anytime: 651-407-7864 Deb Casper, RE/MAX Specialists, White Bear Lake, MN

North St. Paul's Wind Turbine is Up! It will still be a couple weeks before it is implemented into the North St Paul power grid - but it's just about ready to go! Take a look here for more info: City site

It's a beautiful thing when a progressive city such as North Saint Paul, an eastern suburb of our great capitol city of St. Paul, has the option of suplementing its already great electric utility with wind power. I'll tell you what, it sure is windy enough today to produce quite a bit of power!

North Saint Paul is part of the Hometown Windpower Program, an initiative of the Minnesota Municipal Power Agency to locally produce clean, green, renewable energy. In this age of environmental awareness, this will push the city far ahead of its neighbors in the green initiative and become part of the solution to renewable energy. Wind is free and the cleanest energy we have available.

Congratulations in the forward thinking that brought this to be!

Deb Casper, RE/MAX Specialists www.DebCasper.com

Homebuyers! It's time to get off the fence and start figuring out which of the many wonderful homes for sale out there is your new home!

The President has signed into law a new extended Homebuyer Tax Credit! This means that you will get an actual deduction off your tax bill, or if you don't owe that much in taxes, you will actually get a check from the IRS! Money in your pocket!

Call your local Realtor TODAY, do not delay! If you have any questions at all about whether you qualify for this tax credit, please call me: 651-407-7864. I can answer your questions!

You can be in your new dream home by the Holidays!

Deb Casper, CRS, e-PRO, SFR

RE/MAX Specialists, White Bear Lake, MN

651-407-7864

The NEWS is in! Senators agree to extend homebuyer tax credit!

Currently set to expire at the end of November, the plan is to remain in effect until the end of April. Purchase Agreements must be signed by the end of April and close by the end of June, 2010.

PLUS Senators agreed to extend the existing tax credit for first-time homebuyers while offering a reduced credit of up to $6,500 to repeat buyers who have owned their current homes for at least five years.

This is great news for the economy! Homes will be bought and moved into and the buyers will receive enough money to purchase retail goods to spur the retail sector, pay down debt and otherwise get things moving.

It's a great time to buy a home! Prices are down, interest rates are still at unbelievable levels and inventory is still great.

Call today to find out your best route to purchasing a new home, selling your current home, and finding out how to qualify for a mortgage. Plenty of inventory in the NE quadrant of the Twin Cities including White Bear Lake, Lino Lakes, North Oaks, Shoreview, Stillwater, Lake Elmo, Mahtomedi, Mounds View and more!

Deb Casper, CRS, e-PRO

Re/Max Specialists, White Bear Lake, MN

651-407-7864

If you're thinking of buying a new residence in the near future,

here's what you need to know now!

First, there are two parts to the new stimulus bill signed by President Obama on November 6:

1. The original $8,000 homebuyer tax credit for first-time buyers, which had been set to expire on December 1, 2009, is now extended through April 30 of next year Buyers will have an additional two months, until the end of June, to close IF, and only if, they have a completed signed contract (Purchase Agreement) in place by April 30, 2010. First-time buyers are identified as those who have not owned a home during the prior 3 years and regularly file income taxes. This new homebuyer tax credit plan increases the income limit for couples with income up to $225,000, and to $125,000 for single purchasers.

2. In addition, and for the first time, the new tax credit plan allows buyers who already own a home to be eligible for a credit. A $6,500 maximum credit will be available to existing homeowners who have lived in their current residence for five consecutive years of the prior eight years (this means you could have sold your home up to 3 years ago IF you lived in it for the 5 years previous!). There is a cap on the sale price of the new home at $800,000.

The legislation takes effect December 1 (date of closing) and is not retroactive. Note that BOTH credits are available only for primary residences, not second homes or investment properties.

For more information go to the government website for Questions and Answers: Homebuyer Tax Credit

If you still have questions, call me - I can help! 651-407-7864

Since inventories of both new construction homes and re-sale properties are high, prices are pretty much at bottom in the Twin Cities area, and both our local housing market and housing markets across the country are still testing the bottom following the real estate recession that wiped out more than $4 trillion worth of homeowner equity since 2006, anyone thinking of buying real estate soon, should really get off the fence and get going.

1. Know the Tax Incentive Program

It is anticipated that Congress will be passing the newly extended home buyer tax credit to ALL buyers, but at a reduced rate of $6500.00 to those who are current homeowners wishing to move up. There will be income limits and other criteria as well. The $8000.00 tax credit for first time home buyers (those who have not owned a home for a period of 3 years) will be extended as well. Now is the time! Purchase Agreements need to be negotiated and signed prior to the end of April per the Senate version. There may be more tweaks before it's final, but rest assured buyers will need to move quickly!

While many potential buyers believe now is the time, at the same time, tighter lending restrictions have made it harder to qualify for a mortgage loan, keeping the dream of home ownership out of reach for all but the most credit worthy consumers.

As such, Barry Zigas, director of housing policy for the Consumer Federation of America, says those looking to benefit from the buyer's market today must come to the table prepared, armed with a clean financial bill of health and plenty of research to ensure they get the best deal on their purchase.

If the price is right and you plan to stay put for the near term, and you're able to get good financing, he notes, there's no real reason to wait.

2. Get Your Credit Report

Your first order of business is to obtain a copy of your credit report from the three major reporting agencies, Equifax, TransUnion and Experian.

It's free and the earlier in the process you review it, the more time you'll have to correct any errors and make changes that can improve your score.

These reports are not always accurate. They may include old credit lines that you closed, other people's information or other incorrect information with a potential to hurt your credit.

In our current market, you'll need a credit score of 720 or better to land the lowest rates. If your score is under 660 you will undoubtedly have a difficult time in getting a loan with favorable terms.

You can help raise your score by paying future bills on time, eliminating lines of credit and paying off any outstanding debts you may have, including student loans, car loans and credit card balances.

3. Know Your Purchasing Power

You will need to determine how much you can reasonably afford to spend on a home and a good mortgage loan officer can help you here. Typically your trusted Realtor can refer you to a great loan officer that she (or he) has worked with and knows can give you the best loan and closing costs package there is. Ask your Realtor who she (or he) recommends.

The amount you qualify for depends, of course, on interest rates, your credit history and any existing debt.

4. Making An Offer

When you do find your dream home, don't rush in.

Together with your trusted Realtor, research the neighborhood, recent sales, competition, schools, etc. very carefully to be sure your offer is within range of comparable sales in the area.

And don't be afraid to play hardball. Sellers in this market are likely to give you what you ask for, within reason.

Make sure you get an inspection and if problems come to light you may be able to ask the seller to correct them or make a contribution towards any repairs.

In the current market, you can also ask for seller contributions toward your closing costs (Note: there may be lender imposed limits so be sure to work with your loan officer and Realtor on this point)!

Be aware that with prices down as much as they are in the local Twin Cities marketplace, there may be many more interested and qualified buyers than you may think. Therefore, be careful in making a low-ball offer and be prepared for a bidding war.

5. Getting Your Loan in Place

In our current market qualifying for a mortgage loan can be the most difficult part of your task.

You will need to show and document steady employment, have good credit history, and have a low debt-to-income-ratio in order to qualify. If you should fall short in one area, you may be able to make up for it with a larger down payment or higher interest rates. Be prepared!

Despite the credit crunch and disappearance of zero down and no-doc loan programs, the Federal Housing Administration still offers programs for cash-strapped borrowers with little money for a down payment. FHA-insured loans require a 3.5 percent down payment, far less than most conventional loans require. Be sure to get all the options available, then weigh each one to determine which works best for your situation.

6. Buy Your Dream Home!

Buyers who are in it for the long haul are sure to benefit from this confluence of factors: Low prices, higher inventory, low interest rates, and great bargaining power.

Trying to bet on the ups and downs of the market is not reasonable in this market. Check with your trusted Realtor, if a house is comfortably within your reach it is time to move on it.

So, you don't need an extra $8000?

Who couldn't use that kind of money in our present economy? Well, if you don't act soon, and I mean REAL soon, you may not be able to collect that $8000 from the IRS. Even if you don't owe that much intaxes, they will write you a check! WOW!

There are certain criteria you must be able to meet in order to collect the money. Take a look here  (IRS.gov) for that information. Be very careful that you do qualify should you wish to go ahead now and buy. Be aware that doing the walk throughs, writing and negotiating the terms of the offer, getting it accepted by the seller, doing the inspections and dealing with any issues that arise, getting the appraisals and dealing with any issues that arise, and making sure it gets to the closing table prior to the November 30 deadline is quite an undertaking. You need a Realtor who knows how to negotiate and get you through the entire ordeal and closed on time! If you act quickly, you can still be in a new home by the Holidays!

Call your Realtor today! $8000 can be in your hands soon!

Call: 651-407-7864

Here it is, The Best Dog Story I've Ever Heard:

This guy is driving around and sees a sign in front of a house: "Talking Dog for Sale".

He rings the bell, and the owner tells him the dog is in the backyard. The guy goes into the backyard and sees a Chocolate Lab sitting there wagging his tail.

"You talk?" he asks. 

"Yep," the Lab replies.

"So, what's your story?" 

The Lab looks up and says, "Well, I discovered that I could talk when I was  pretty young, and I wanted to help the government; so I told the CIA about  my gift, and in no time at all they had me jetting from country to country, sitting in rooms with spies and world leaders, because no one figured a dog would be eavesdropping. I was one of their most valuable spies for eight years running.

But the jetting around really tired me out, and I knew I  wasn't getting any younger so I wanted to settle down. I signed up for a job at the airport to do some undercover security work, mostly wandering near suspicious characters and listening in. I uncovered some incredible dealings and was awarded a batch of medals. 

Then I got married, had a mess of puppies, and  now I'm just retired." 

The guy is amazed. He goes back in and asks the owner what he wants for the dog.

"Ten dollars", he says. 

The guy says, "This dog is amazing. Why on earth are you selling him so cheap?"

"Because he's a liar. He didn't do any of that stuff."

Here's a photo of my Lexi - she was my best friend for almost 10 years and just passed this last June.   The best Bernese Mountain Dog, or any dog for that matter, I ever met!  I miss her dearly.

She was an avid swimmer and spent a lot of time swimming in White Bear Lake!  She accompanied me on many of my journeys over the last 10 years and was my assistant on many photo shoots of my listings.  Real Estate in White Bear Lake is booming!  Check out my Featured Listings:

debcasper.com/White_Bear_Lake,_MN,_Lino_Lakes,_Stillwater,_Mahtomedi,__Homes_for_Sal_listings/featured.shtml

Feel free to call with any Real Estate needs you may have.  I'm also happy to talk about Bernese Mountain Dogs if you wish!   Deb Casper, RE/MAX Specialists, 651-407-7864  

WOW! We have snow already on October 12 in White Bear Lake and the rest of the Twin Cities too!

Take a look at these photos from this morning:

Too early for this! Snow competing with fall colors! Is it October or January? You decide!

My new listing is competing with snow as well - check it out here: http://debcasper.point2agent.com/Listing/VirtualTour.ashx?listingid=5768448

Call for info: 651-407-7864

The Skinny is in - the Twin Cities Housing Market is headed in the right direction!  Less inventory, great prices, low mortgage interest rates AND the $8000 first time home buyer tax credit!  But, you must hurry to get the credit as it expires the end of November!

Take a look at the video posted by the Minneapolis Area Association of Realtors:  YouTube "The Skinny" for September 2009

The St Paul Area Association of Realtors has also posted an update: Market Beat   Click to open window, then click on Market Beat video link to the right on that page.

In any event, once you've listened, you will understand what's happening in the Twin Cities Real Estate Market.  It's absolutely time to buy, not only are interest rates still very low, but first time home buyers can get the $8000 tax credit IF they close prior to November 30, 2009.  There is no word yet on whether the first time home buyer incentive will be extended, whether it will be available to ALL buyers, or even whether it will be increased to the $15,000 that the National Association of Realtors has been working on.   Updates to follow...

Please call at any time with any questions you may have:  651-407-7864

Rain keeps White Bear Lake from record low

Tom Lingenfelter, of St. Paul, sails White Bear Lake, which has been replenished this month by more than 3 inches of rain. (Pioneer Press: Ben Garvin)

The fisherman was about to head out for walleye Wednesday on White Bear Lake, his boat idling along the city pier as the engine warmed.

Mark Schwietz has fished the lake for nearly 50 years and had been out more than a dozen times this summer. And he was just about fed up with the low water level.

The fish haven't been biting. The weeds have grown thick and impenetrable. Just reaching open water required patient navigation through mud flats.

'It's awful,' Schwietz said. 'It's continually dropping.'

Then he caught himself.

"But the Lord only gives us what we need," he said.

By that measure, the lake must have needed rain.

After a record dry September and some of the worst drought conditions in recent memory left the Twin Cities at least 8 inches below normal precipitation, the area has had more than 3 inches of rain this month - lifting White Bear Lake's water level more than 2 inches.

It's a small increase for a lake that's taken a big fall over the past few years but a sign things might be improving for the east metro's largest body of water.

"It's raining. That's positive," hydrologist Craig Wills of the Minnesota Department of Natural Resources said Tuesday. "Hopefully, we'll keep picking up rain."

The lake has dropped a foot since the beginning of the year, putting it more than 4 1/2 feet below its ordinary water level.

On Sept. 29, it was within an inch of a record low. But the 3.14-inch downpour that started October put a stop to that.

During the rain, puddles overflowed and carved rivulets into the exposed lake bottom near Ramsey County beach. The water eventually streamed into the lake.

Lake bottom that had dried out near Memorial Beach and sprouted sedges, bulrush and grasses during the summer was flooded in spots. Only green tendrils poked above the surface.

Alan Rupnow, a county environmental specialist, has compiled the weekly water level readings for White Bear this year and said it was going to take a couple years of similar rainfall to refill the lake.

"When it hit its low in 1991, it filled back up pretty fast" because of extra rain, he said.

While most metro lakes are lower than normal - Bald Eagle dropped 8 inches this summer, and Spring Lake in Mounds View has hit a new low, falling more than 2 feet - White Bear's problems are compounded by its relatively small watershed and dependence on the water table.

With a small watershed, less runoff makes its way into the lake to recharge it. And with the continuing drought, the local water table is falling, taking White Bear Lake down with it.

But there's an upside to being low and dry, Wills said. Less runoff means less sediment gets into the lake, leaving the water cleaner and clearer, he said.

The exposed lake bottom also hosts new vegetation, which could provide habitat for aquatic life when the basin refills.

"That lake's going to bounce up and down like that," he said. It's "extreme" this year, but still normal.

For fisherman Schwietz, the latest precipitation didn't mean the bad times were over.

The only certain thing about the timing and pace of White Bear's recovery, he said, is that "it's really unpredictable."

Kylee the golden retriever waits as owner John Rentschler, of St. Paul, and Jesse Evans, of Stillwater, prepare to fish the lake. (Pioneer Press: Ben Garvin)

Deb Casper Comments:

I, personally, am very happy to see the lake levels start to rise. I've seen this happen several times now over my (too many to mention) years in White Bear Lake. If you'd like to learn more about the lake and White Bear Lake Real Estate in general, please give Deb Casper with RE/MAX Specialists a call: 651-407-7864

Deb Casper, CRS, e-PRO

RE/MAX Specialists

Mailto: deb@debcasper.com

Web: www.DebCasper.com

So, you've sold your home to a first time homebuyer enabling them to qualify for the $8000 tax credit. Now, what do you do? You need to find another home fast! Call your local REALTOR today 651-407-7864.

It's critical that you are represented by a REALTOR who will protect your interests throughout the transaction. Your own REALTOR will work for YOU, NOT for the SELLER. You should know that the listing agent represents the seller and will do everything necessary during the transaction to put the sellers' interests first. Thus, it's critical that you are represented as well. Best of all, you don't pay the commission for your own represenation, the seller has already set aside a portion of the commission to pay the buyer's REALTOR!

Not only will your own REALTOR make sure you get the best price, terms, and represent your interests throughout the course of the transaction, but she can get you to the best loan officers who will make sure you get the best deal on your new mortgage (both interest rate AND closing costs), and she will make sure you get to the best inspectors, the best title company, etc. There are a myriad of things your REALTOR can do to ensure you get the best deal possible and that the closing goes smoothly with the least work for you. That is what we do! Call TODAY: 651-407-7864

First time homebuyers must close by November 30 to qualify for the $8000 tax credit. Don't get left behind, call today: 651-407-7864.

Deb Casper of RE/MAX Specialists in White Bear Lake is an expert in the entire NE quadrant of the Twin Cities Real Estate market. Call her today to answer your real estate questions: 651-407-7864

Everyone is telling you to buy a house now, before prices start going up - do you jump now, or wait to see what's down the road?   This is a tough one and a typical question for most potential buyers, especially for first time home buyers in light of the upcoming end of the $8000 tax credit program.  (To qualify for the tax credit you must not have owned a home for 3 years and you MUST close BEFORE November 30, 2009.) 

Move up buyers, those who have likely sold a home in the under $200,000 price range to a first time home buyer capitalizing on the tax credit, are in the same quandary - should I buy now, or rent for a while until the market stabilizes?  Again, a tough question, but one you need to explore in light of today's great buys.

Since we would never know when the market has bottomed until AFTER it has, it's always difficult to judge when you should go forward with such a huge financial decision.  You can compare it to the stock market, if we all knew the right time to "buy low" and "sell high" - we'd all be on the Forbes list!

Right now we have the perfect storm in real estate:  low prices, low interest rates, and good inventory in most price brackets.  Why not buy now?  You may wonder if prices will go lower - are you willing to gamble on that happening?   In many areas of the Twin Cities prices are now stabilized, especially in those communities where there are low rates of foreclosures such as White Bear Lake, Grant, Mahtomedi, Vadnais Heights, Lino Lakes, North Oaks, Shoreview, Lake Elmo, West Lakeland and Stillwater.  Some communities in the NE Metro are still recovering from high foreclosure rates and may, or may not, continue to do so.  We've even seen home prices in some areas start to rise again! 

On the other hand, you could rent forever, not having to worry about maintenance, upkeep, or even property taxes.  But, are you willing to forego the benefits of home ownership:  tax benefits, likelihood of your equity growing in the future, likelihood of realizing a gain down the road when you go to sell, ability to do what you want with your property, actually owning it yourself?  Hmmm....

Up to you, but in my estimation you should call your Reatlor TODAY to at least explore the possibility and the benefits which should outweigh the negatives by a long shot!    Call today:  651-407-7864!

First time homebuyers take note:  Time is running out for the $8000 tax credit!  All transactions must CLOSE by November 30, 2009 to take advantage of this credit.  Therefore, if you haven't already selected the home you wish to purchase I would highly recommend you get out there and find one.  A typical real estate transaction takes from 45 to 60 days to close and we are coming up on the barrier shortly.

Call your REALTOR today and make plans to get out there and find your new home!  There are still great buys out there despite the fact that the market, especially in our local Twin Cities area, has stabilized.  We have less listings than we've had in a long time and more pendings and solds than there have been in over a year!  Call today to find out if you can qualify for a home mortgage and for the First Time Home Buyers $8000 Tax Credit:  651-407-7864 

     Search for your new home here.

Easy low to no cost ways to save energy today!  Doesn't everyone want to save money?  How about saving energy for the common good?  Here are tips for you to use today:

1.  Install and remember to program a programmable thermostat to keep your home comfortable and save energy during the hours no one is home or all are asleep.

2.  Purchase and use compact fluorescent light bulbs.  Look for the ENERGY STAR® label.  Remember, you can't use them in reostat/dimmer switched fixtures.

3.  When running your dishwasher air dry instead of using the drying cycle.

4.  Turn off your computer, monitor, printers, etc. when not in use - yes, they do use energy when in sleep mode.

5.  Plug all your home electronics (TVs, DVD players, VCRs, gaming stations, etc.) into power strips; turn the power strips off when you are not using the equipment (they still use energy when in standby mode).

6.  Lower the thermostat in your hot water heater to 120°F.

7.  Take short showers instead of baths. 

8.  When washing dishes and clothes be sure the load is full!

9.  Drive sensibly - speeding, rapid accelleration and braking waste fuel.

10.  When purchasing new appliances, always look for the ENERGY STAR® label which meet strict efficiency guidelines set by the U.S. Dept. of Energy and the EPA.

These are all practical, easy and efficient ways you can save money from your family budget as well as saving our planet.

Have a safe, happy and fruitful summer!

Be sure to contact me should you or someone you know start thinking about selling or purchasing a home!   www.DebCasper.com     651-407-7864       Deb Casper, RE/MAX Specialists, White Bear Lake, MN

BUYERS!  Take note - the market is great!  Don't miss out - take advantage of the $8000 tax credit now before it's too late! From a Buyer’s Perspective it Just Doesn’t Get Much Better released this morning by the Saint Paul Area Association of REALTORS®.    Call today:  651-407-7864 to find out how you can purchase a new home and stop paying rent!   There are strong signs of a recovery in the housing market as indicated in the sales data There were 5,183 pending sales reported this month which is up 17.32% from May 2008 when there were 4,418 pending sales. Month over month pending sales dipped 0.54 percent compared to April 09 when 5,211 pending sales were reported, a minimal decline. “Considering we lost five days during the holiday weekend many Minnesotans were not looking to buy a home, said Rae Jean Malone, President of the Saint Paul Area Association of REALTORS®. “I am not surprised at the latest pending sales numbers. Even as interest rates creep upward they still continue to be at historically low levels and buyers should not hesitate.”

THINKING ABOUT BUYING A HOME?  NOW IS THE TIME TO BUY! Do not delay, prices have bottomed out and are now in a leveling off mode. What this means is that if you'd like to purchase this year and get a great deal while interest rates are still below 5%, you need to move now. Call your REALTOR today: 651-407-7864 to get started. We can help get you set up with a mortgage, set up the criteria for the type, style, location and amenities needed in your new home, and show you all those that will work for you. Our job is to get you the best deal at the best price and to negotiate the best terms for your puchase.

FIRST TIME HOMEBUYERS:  If you are a first time homebuyer you will also qualify for the $8000 tax credit! For an FHA loan you need as little as 3.5% of the purchase price to qualify. If you are elible for VA financing you can still get 100% financing on your purchase! Call today to find out how: 651-407-7864

Find out about the $8000 tax credit here: $8000 tax credit!!  Plus the credit can now be used for closing costs or to reduce the amount of your loan on FHA purchases!   Call TODAY to find out how to accomplish this:  651-407-7864

Get started TODAY: 651-407-7864 http://www.DebCasper.com

RE/MAX Hot Air Balloon flies over White Bear Lake during the Governor's Fishing Opener!

FIRST TIME HOME BUYERS!   Are you wondering how to obtain information on the new programs and what it takes to buy a home or town home in today's market?  I can guide you through the steps to get you in your home so that you can qualify for the $8000 tax credit!  Call TODAY 651-407-7864

FIRST TIME HOME BUYER'S CREDIT EXPLAINED HERE: Click HERE for 3 minute video!

  More information here on my website:  Click here