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First Time Home Buyer Tax Credit is $8,000.
Home Values are down.
Inventory is up.
Mortgage Interest Rates are at their lowest.
New Government Laws now extend the home buying process.
Author's Bio:
Home values have been down for the last 2+ years. But with pending home sales up for the 5th straight month and housing starts up for the first time, values will, and have been in some markets,[link widoczny dla zalogowanych], start to increase.
There are five major reasons why the time is now:
The First Time Home Buyer Tax Credit is part of the American Recovery and Reinvestment Act of 2009 that President Obama signed into law this year. A first time home buyer is one who hasn't owned a home within the last three years. This act allows married couples with income of up to $150,[link widoczny dla zalogowanych],000 or a single person with income up to $75,000 to get an immediate tax credit if they close their home purchase on or before November 31, 2009.
Be one of the lucky ones. Start now. Work with a qualified loan originator/Certified Mortgage Planning Specialist to find out how much home you can afford before you start looking for your first home. This will allow you to take advantage of the $8,[link widoczny dla zalogowanych],000 First Time Home Buyer Tax Credit before it expires on November 31, 2009.
By Betsy Moore
See all Articles by Betsy MooreGet Updates on Mortgage and Home FinancingGet Updates on Betsy Moore Average: 2.333335 Your rating: None Average: 2.3 (3 votes) Tweet
Normal mortgage interest rates hover above 6.0% to 6.5&. Currently,[link widoczny dla zalogowanych], they are around 5.25% or less and,[link widoczny dla zalogowanych], still, at historical lows. Depending on the loan amount, this could mean a difference of $250.00 or more in a monthly payment.
With inventories high,[link widoczny dla zalogowanych], we are in a "buyers" market meaning that sellers are more willing to compromise on price and give concessions on closing costs. This means that the first time home buyer may be able to purchase a home with less money out of their savings account. But as inventories start to shrink,[link widoczny dla zalogowanych], home values will start to raise and the market will then switch to a "sellers" market with little or no concessions.
The Federal government has passed two new laws,[link widoczny dla zalogowanych], Home Value Code of Conduct (HVCC May 2009) and Mortgage Disclosure Information Act (MDIA August 2009). Both of these laws have added days to the mortgage process-no longer can a loan be closed within 15 – 30 days. Added to this,[link widoczny dla zalogowanych], counties across the country have cut back on the recording offices' hours. Offices can often be closed on different days of the week, causing delays in recording your home loan in a timely manner. By waiting until the last minute to start the home purchasing and mortgage loan process, you could miss the November 31, 2009 deadline.
To receive this check from the government, you are allowed to amend your 2008 tax return so that you don't have to wait until you do your 2009 return in 2010.
To further assist you,[link widoczny dla zalogowanych], here's some more information on the First Time Home Buyer Tax Credit.
In today's economy,[link widoczny dla zalogowanych], it is easy to be gun-shy about buying a home, especially if it is your first home. Who wouldn't be? This is your biggest debt but,[link widoczny dla zalogowanych], remember, it is also your largest asset.
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Closure is different than grief. Grieving is looking back; closure is about looking ahead. We want to let go and move on. This is what closure gives us. We may have gone through the grieving process and still not have the closure we seek. The law of relationship helps us to maneuver our way through the five set process of closure: Recognition, Acceptance,[link widoczny dla zalogowanych], Understanding, Integration, and Gratitude. When we reach a feeling of gratitude,[link widoczny dla zalogowanych], we know we’ve come full circle to experience closure.
We need to shift our perspective a little bit when it comes to relationships. In our human form, we see the illusion of death, and the ending of relationships. But what really takes place is a transformation. As we learn and grow through our relationships, our relationships evolve. We can use this evolution as an opportunity for continued growth, and for personal transformation. The pains that we feel are growing pains. However a relationship changes, whether it is a loss from physical death, a divorce, a move away, a growing up, or a falling out,[link widoczny dla zalogowanych], we can not only survive, but thrive, knowing that everything, always, is exactly the way it is meant to be.
The Law of Relationship is two-fold. It says:
1) We are all connected.
2) We are here to help each other.
With our challenges and experiences we learn and grow. Our relationships bring us many challenges and experiences, and through our relationships we learn and grow. This is how we help each other. We may not even know that we are doing it, but just by being in a person’s life, in some small way, we are contributing to the learning process,[link widoczny dla zalogowanych], as they are contributing to ours. Our actions affect other people in ways we can’t even imagine. Even in times when we feel hurt by someone, that is an opportunity for us to learn and grow. We might not realize it in the moment,[link widoczny dla zalogowanych], but in some strange and miraculous way, we are helping each other by going through this experience together.
We are invested in our relationships with other people. We spend our time, and emotions, developing a kind of bond with a person. We give of ourselves, through our love, our friendship, our concern, and our efforts.
When we are faced with what seems to be the “end” of a relationship, we may feel loss, grief, anger or pain. We might even feel relief,[link widoczny dla zalogowanych], or freedom. We may question the purpose for this change, whether it is abrupt or expected, and the necessity of it. The change may or may not be our choice,[link widoczny dla zalogowanych], or our desire, but something we must learn to live with. The uneasiness may nag at us for years as we struggle to understand. How do we get that “closure” that our hearts and minds so desperately seek so that we can move forward with our lives?
Relationships take many forms: marriage, friendships, family, co-workers, classmates, lovers. Whenever two people have some kind of a connection, a relationship is established. Our energy goes into these connections, our emotions, our hopes,[link widoczny dla zalogowanych], our human vulnerabilities. A relationship is an organism itself, and it can have a life cycle. But since relationship is a spiritual organism, it doesn’t die. It merely changes shape. The relationships we build with the people we encounter continue in spirit, in memories, and in lessons learned.
I’m not the only person to have been through a divorce. When my first marriage ended after 17 years, I thought I handled it well. It was an amicable parting, and we maintained a friendly relationship. But then a few years later my sister’s husband died unexpectedly. My grief brought up new emotions, and I felt sad and angry and hurt as I relived the divorce in my mind. I realized through this experience that although I had moved on, I hadn’t really gotten over it; I didn’t have closure. I saw the parallels between my sister’s loss and my own,[link widoczny dla zalogowanych], and I actively sought to come up with a formula through which we could both alleviate our pain.
We are all connected in one way or another. We feel the same emotions; we share the same experiences. We are brothers and sisters on this planet. This connection bonds us, and gives us a relationship with each other. A mother in any part the world, can relate to another mother she has never seen because she knows what it means, and how it feels, to be a mother. We are all born the same way, and have to learn how to walk and talk and find our way in the world. We face challenges and heartache,[link widoczny dla zalogowanych], no matter where we live, or how we live. Our connection cannot be broken.
Each of us experiences some kind of loss in this lifetime. People come and go from our lives, whether by choice or circumstance. How we cope with these events affects how we move forward, how we see the world,[link widoczny dla zalogowanych], and how we feel about our lives.
A Natural Law works whether we are aware of it or not. It is a principle of nature that is in effect at all times, without favoritism. Gravity is a natural law. It works the same for everyone, at all times. By being aware of gravity, we can move about more freely, with less risk of pain from falling down.
Closure is actually the perfect word for it. It’s more than neatly tying up loose ends. Think about life as a series of events and relationships, all linked together in some sort of artistic way, like a beautiful piece of jewelry. We can’t wear a necklace or a bracelet if the chain is just left dangling. The jewelry maker finishes off the piece by adding a clasp, one loop that kind of ties together the beginning and the end,[link widoczny dla zalogowanych], the start and the finish, so that what we are left with is one strong continuous chain. Our closure is that clasp. Closure helps it all make sense. It turns something seemingly broken into something useful, purposeful, and lovely.
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Unfortunately, it will require time for you to overcome a break up. The majority are likely to find that the pain tends to subside a little every day. Eventually, this pain will disappear completely.