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RECENT BLOG POSTS
Tax Credit for Homebuyers First-time homebuyers who purchase homes from the start of the year until the end of November 2009 may be eligible for the lower of an $8,000 or 10% of the value of the home tax credit.  Remember a tax credit is very different than a tax deduction - a tax credit is equiv...
02/17/2009
Obviously, the real estate market has many great deals.  For those that have the money, there are so many opportunities.  So, are the wealthy the only ones that can afford to take advantage of all the fantastic deals out there. NO!  Typically, for an investor to purchase a property at a foreclosu...
01/13/2009
Exactly a week ago, I read an article USA Today posted by the concerned citizen Dennis F. Paulaha.  He makes one of the greatest points and offered an incredible solution to halt our downward spiraling economy.  His idea states that the US government offer every US citizen a 30-year fixed rate mo...
12/16/2008
Exactly a week ago, I read an article USA Today posted by the concerned citizen Dennis F. Paulaha.  He makes one of the greatest points and offered an incredible solution to halt our downward spiraling economy.  His idea states that the US government offer every US citizen a 30-year fixed rate mo...
12/16/2008
Exactly a week ago, I read an article USA Today posted by the concerned citizen Dennis F. Paulaha.  He makes one of the greatest points and offered an incredible solution to halt our downward spiraling economy.  His idea states that the US government offer every US citizen a 30-year fixed rate mo...
12/16/2008
Today, the mortgage market has done nothing but improve.  Currently, our rates are hovering around 4.875%.  FHA - 5% USDA - 5.375% Conventional - 4.875%  
12/10/2008
Mortgage rates fell today by roughly 1 half percent.  Here is a quick update on rates. Conventional 30 year fixed = 5.25% FHA 30 year fixed = 5.5% USDA 100% rural 30 year fixed loan = 5.5%   Hopefully, this rally will continue into next week.  The fed has not even begun to purchase Fannie and Fre...
11/25/2008
1.  Begin by spending way less than you earn.  This is always a rule of thumb.  You must always pay yourself first. 2.  Keep at least a full year's worth of living expenses saved in cash and CD's.  This is a combination of an emergency fund and a comfortable investment.  At least you won't lose y...
11/19/2008
Follow this link to see the Georgia areas of eligibility.  The majority of the state is eligible except for the largers cities and most of metro Atlanta.  The lighter areas are eligible for 100% financing. http://eligibility.sc.egov.usda.gov/eligibility/eligibilityAction.do?pageAction=countyMap&s...
11/18/2008
Follow this link to see the Georgia areas of eligibility.  The majority of the state is eligible except for the largers cities and most of metro Atlanta.  The lighter areas are eligible for 100% financing. http://eligibility.sc.egov.usda.gov/eligibility/eligibilityAction.do?pageAction=countyMap&s...
11/18/2008
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Justin Messer

Residential Loan Officer, USDA Rural Housing Loan
local_phone(678) 343-6117
smartphone(678) 478-5897
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