tag:blogger.com,1999:blog-44468798827012947872024-03-06T14:59:05.976-05:00Darke County Real EstateYour source for relevant real estate information for today.Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.comBlogger40125tag:blogger.com,1999:blog-4446879882701294787.post-91778932777642537982010-02-10T11:24:00.003-05:002010-02-10T11:33:12.870-05:00Class Canceled<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://t2.gstatic.com/images?q=tbn:SbbGgTRQqlsQPM:http://rsltothecore.com/rslblog/wp-content/uploads/2008/03/buffalo_snow_7ft1.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 127px; height: 82px;" src="http://t2.gstatic.com/images?q=tbn:SbbGgTRQqlsQPM:http://rsltothecore.com/rslblog/wp-content/uploads/2008/03/buffalo_snow_7ft1.jpg" alt="" border="0" /></a><br />Thursday's first time homebuyer class has been canceled. There are two more still available: on Feb. 22nd from 6:30 - 8:00 and another Mar. 3rd from 4:00 - 5:30.<br /><br />Don't wait too long to start looking for that first home, you must have a house under contract by April 30th to qualify for either the $8000 first time homebuyer tax credit or the $6500 tax credit for people looking to buy another house.<br /><br />If you can't make any of the class dates give me a call (937-423-3316) or email me (trfinch@gmail.com) and we can work out a time to get together.Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com2tag:blogger.com,1999:blog-4446879882701294787.post-32761901804945066762010-02-04T06:14:00.002-05:002010-02-04T06:17:31.329-05:00Class Dates<div style="text-align: center; font-weight: bold;">Here are the dates for the first time homebuyer classes:<br /></div><div style="text-align: center;"><br />Thurs. Feb. 11th 6:30 - 8:00<br />Mon. Feb. 22nd 6:30 - 8:00<br />&<br />Wed. Mar. 3rd 4:00 - 5:30<br /><br /><br />See previous post for registration info.<br /></div>Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0tag:blogger.com,1999:blog-4446879882701294787.post-62353994731206268682010-01-21T06:07:00.006-05:002010-01-21T06:16:13.468-05:00Great Tax Credit Q & A Site<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://t1.gstatic.com/images?q=tbn:ookB1OIJu377KM%3Ahttp://www.totalmortgage.com/blog/wp-content/uploads/2009/08/tax-credit-pic1.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 100px; height: 121px;" src="http://t1.gstatic.com/images?q=tbn:ookB1OIJu377KM%3Ahttp://www.totalmortgage.com/blog/wp-content/uploads/2009/08/tax-credit-pic1.jpg" alt="" border="0" /></a>If you're looking for some answers right away to the tax credit question you may have and don't want to wait till the first time homebuyer classes mentioned in the previous post check out this site:<br /><a href="http://homebuyertaxcredit.com"><br />www.homebuyertaxcredit.com</a><br /><br />Give me a call or email me if you have any other questions. If you want to sign up for the class you can do the same just remember to leave your name, phone number, the class you're attending, and the number of people attending.<br /><br />phone: 937-423-3316<br />email: trfinch@gmail.comTodd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com2tag:blogger.com,1999:blog-4446879882701294787.post-36122979737371888832010-01-13T19:45:00.002-05:002010-01-13T20:03:20.768-05:00More First Time Homebuyer Classes Offered<meta name="ProgId" content="Publisher.Document"><meta name="Generator" content="Microsoft Publisher 12"><link rel="File-List" href="file:///C:%5CUsers%5CTodd%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml"><!--[if !mso]> <style> v\:* {behavior:url(#default#VML);} o\:* {behavior:url(#default#VML);} b\:* {behavior:url(#default#VML);} .shape {behavior:url(#default#VML);} </style> <![endif]--><!--[if pub]><xml> <b:publication type="OplPub" oty="68" oh="256"> <b:ohprintblock 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lang="en-US">HURRY!! 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<br /><p class="MsoBodyText3" style="margin-left: 18pt; text-indent: -18pt;"><span style="direction: ltr; unicode-bidi: embed;font-family:Symbol;font-size:10;color:white;" >·</span><span style="width: 13.5pt;"> </span><span style="line-height: 125%;font-family:";font-size:8;" lang="en-US" >Tired of throwing money away on rent?<o:p></o:p></span></p> <p class="MsoBodyText3" style="margin-left: 18pt; text-indent: -18pt;"><span style="direction: ltr; unicode-bidi: embed;font-family:Symbol;font-size:10;color:white;" >·</span><span style="width: 13.5pt;"> </span><span style="line-height: 125%;font-family:";font-size:8;" lang="en-US" >Confused about the government $8000 tax credit?<o:p></o:p></span></p> <p class="MsoBodyText3" style="margin-left: 18pt; text-indent: -18pt;"><span style="direction: ltr; unicode-bidi: embed;font-family:Symbol;font-size:10;color:white;" >·</span><span style="width: 13.5pt;"> </span><span style="line-height: 125%;font-family:";font-size:8;" lang="en-US" >Hunting 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>·</span><span style="width: 13.5pt;"> </span><span style="line-height: 125%;font-family:";font-size:8;" lang="en-US" >Tired of throwing money away on rent?<o:p></o:p></span></p> <p class="MsoBodyText3" style="margin-left: 18pt; text-indent: -18pt;"><span style="direction: ltr; unicode-bidi: embed;font-family:Symbol;font-size:10;color:white;" >·</span><span style="width: 13.5pt;"> </span><span style="line-height: 125%;font-family:";font-size:8;" lang="en-US" >Confused about the government $8000 tax credit?<o:p></o:p></span></p> <p class="MsoBodyText3" style="margin-left: 18pt; text-indent: -18pt;"><span style="direction: ltr; unicode-bidi: embed;font-family:Symbol;font-size:10;color:white;" >·</span><span style="width: 13.5pt;"> </span><span style="line-height: 125%;font-family:";font-size:8;" lang="en-US" >Hunting for a home loan?<o:p></o:p></span></p> <p class="MsoBodyText3" style=""><span style="line-height: 125%;font-family:";font-size:8;" lang="en-US" > <o:p></o:p></span></p> <p class="MsoBodyText3" style=""><span style="line-height: 125%;font-family:";font-size:6;" lang="en-US" >These questions and more will be answered at this class.<span style=""> </span>Registering is necessary because seating is limited. <o:p></o:p></span></p> <p class="MsoBodyText3" style=""><span style="line-height: 125%;font-family:";font-size:9;" lang="en-US" > <o:p></o:p></span></p> </div> <!--[if !vml]--></td> </tr> </tbody></table> </span><!--[endif]--><!--[if gte vml 1]><v:group id="_x0000_s1052" style="'position:absolute;" coordorigin="1094994,1098423" coordsize="13715,6857"> <v:rect id="_x0000_s1053" style="'position:absolute;left:1094994;top:1098423;" filled="f" fillcolor="black [0]" stroked="f" strokecolor="white [7]" strokeweight="0" insetpen="t" cliptowrap="t"> <v:fill color2="white [7]"> <v:stroke> <o:left ext="view" color="black [0]" color2="white [7]"> <o:top ext="view" color="black [0]" color2="white [7]"> <o:right ext="view" color="black [0]" color2="white [7]"> 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<b:oid>(```````````</b:Oid> <b:oidassociated>(```````````</b:OidAssociated> <b:qtf>0</b:Qtf> <b:ohlinfo>304</b:Ohlinfo> <b:dxlmax>1454467</b:DxlMax> <b:dylmax>566956</b:DylMax> </b:otyEscherText> <b:filename type="OplFileName" oty="102" oh="304"> <b:szfilename>PNC.bmp</b:SzFileName> </b:Filename> <![endif]> </v:rect><![endif]--><!--[if !vml]--><!--[endif]--> Registration is now open for three first time homebuyer classes at the Chestnut Village Center in Greenville, Ohio. These classes are free and open to anyone who has been considering purchasing their first home and want to know more about the homebuying process and of course the expanded first time homebuyer tax credit, which ends April 30th of this year. To register you can call Todd Finch of Leis Realty at 937-548-5750 ext. 245 or 937-423-3316 or better yet email him at trfinch@gmail.com. You may also contact Diane Hill of PNC Mortgage by calling at 937-548-1300 or email her at dianehill@pncmortgage.com. When registering please include the date you wish to attend, your name(s), and the number of people attending.
<br />Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com1tag:blogger.com,1999:blog-4446879882701294787.post-16887900116227654272010-01-08T22:36:00.002-05:002010-01-08T22:42:23.849-05:00808 Harrison Ave., Greenville<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRTbnRF_SyWQ_NYO8NgWaF0Zn-hCwQyj6aq5f6R6V08xUlpY_RYsmpYEqo9Cu4ejibemtZtrpKyJ4zqWxlboKGaIEAMF-kS_Y70zNkyNc0bXUYShW2jQar_EY2UCwH_oBQShhLSoUK3pg/s1600-h/Front+Main+View.JPG"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 320px; height: 240px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRTbnRF_SyWQ_NYO8NgWaF0Zn-hCwQyj6aq5f6R6V08xUlpY_RYsmpYEqo9Cu4ejibemtZtrpKyJ4zqWxlboKGaIEAMF-kS_Y70zNkyNc0bXUYShW2jQar_EY2UCwH_oBQShhLSoUK3pg/s320/Front+Main+View.JPG" alt="" id="BLOGGER_PHOTO_ID_5424579075755915458" border="0" /></a>Great home for a first time home buyer or a move down buyer. Located in a great neighborhood in Greenville on the south end. Many updates in the last eight years including vinyl windows, newer kitchen, dining room, roof, and new driveway in 2009. This three bedroom house sits on a full dry basement with room for many activities. Check out more at <a href="http://darkecountyproperties.com">www.darkecountyproperties.com</a>Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0tag:blogger.com,1999:blog-4446879882701294787.post-48441807708213624942010-01-02T05:21:00.003-05:002010-01-02T05:27:04.114-05:00Just Listed - Gettysburg, OH<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTLGMupZkdH66zEE-PgN8vC4OMGxLg2Q519OCR4rWSHanDk1veBfA99LRDCuzTvuvWG5zENUT7HB54qcg4nGwxUYfXXIxpoMeLRb_IH_5aloqgHhFBBYAuu5q_DlkY_7MDIWXtqx-tvuo/s1600-h/Front+Main.JPG"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 320px; height: 240px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTLGMupZkdH66zEE-PgN8vC4OMGxLg2Q519OCR4rWSHanDk1veBfA99LRDCuzTvuvWG5zENUT7HB54qcg4nGwxUYfXXIxpoMeLRb_IH_5aloqgHhFBBYAuu5q_DlkY_7MDIWXtqx-tvuo/s320/Front+Main.JPG" alt="" id="BLOGGER_PHOTO_ID_5422085849512430482" border="0" /></a>This place would make a great first-time homebuyer place or income producer. Four bedrooms and almost 1200 square feet of living space. Updates include: vinyl windows, newer central heat and air, and village sewer hookup. Priced at $61,000 this place is ready to sell and you can move in at closing.Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0tag:blogger.com,1999:blog-4446879882701294787.post-10292570440541583202009-09-09T17:10:00.003-04:002009-09-09T17:16:28.928-04:00Auction Property<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMyv3FpTjkBXipvNFP0kMsy1424jitS4Hxk9ChpBh-NXxFh9dkSOngea8DAQPvUzDZ_CVRGAPxdJ5yx1DfIfKwmCLY7f6lpQqldoGY_tQwz9lNL6F2ietv6l_LGYPjIrda6ISYhV1Vg94/s1600-h/Front+Main.JPG"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 320px; height: 240px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMyv3FpTjkBXipvNFP0kMsy1424jitS4Hxk9ChpBh-NXxFh9dkSOngea8DAQPvUzDZ_CVRGAPxdJ5yx1DfIfKwmCLY7f6lpQqldoGY_tQwz9lNL6F2ietv6l_LGYPjIrda6ISYhV1Vg94/s320/Front+Main.JPG" alt="" id="BLOGGER_PHOTO_ID_5379578693697880210" border="0" /></a>6112 White Oak Dr. in Greenville, Ohio will go up for auction Thurs. Oct. 8th at 6:00. There will be two open houses one Wed. Sept. 16th and another Thurs. Sept. 17th both from 6 - 8 pm. If you need more information on this house you can contact me (Todd Finch) at 937-423-3316 or email: trfinch@gmail.com.Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0tag:blogger.com,1999:blog-4446879882701294787.post-24568819032742947992009-08-31T20:52:00.003-04:002009-08-31T21:12:55.698-04:00September First Time Homebuyer Classes FormingWith the tax credit scheduled to end Nov. 30th, two more free classes will be offered to first time homebuyers. Once again they will be located at the Chestnut Village Center in Greenville, Ohio and will take place Wed. Sept. 9th and Thurs. Sept. 24th from 6:30 - 8:00. Many items will be discussed but the two most important ones are the government tax credit and the USDA no money down loan that is still available. The home search and the loan process can take as long as 60 days so the time to start looking for that first home is now. <br /><br />To register you can contact me via email at trfinch@gmail.com or by phone 937-423-3316. Just let me know which night you would like to attend.Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com1tag:blogger.com,1999:blog-4446879882701294787.post-81813277677186336462009-08-18T11:23:00.002-04:002009-08-18T11:52:43.132-04:00The Great Darke County Fair<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://www.google.com/images?q=tbn:T-LsARuxg8o6mM::farm4.static.flickr.com/3470/3305031486_95d56f0891.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 130px; height: 98px;" src="http://www.google.com/images?q=tbn:T-LsARuxg8o6mM::farm4.static.flickr.com/3470/3305031486_95d56f0891.jpg" alt="" border="0" /></a><br />It's that time of year when most everything that breathes in Darke County, Ohio is gearing up for The Great Darke County Fair. It all kicks off this Friday Aug. 21st and runs till Aug. 30th. As always, the Leis Realty tent will be in its familiar location across from the Gazebo with all of the listings prominently displayed. I'll be there on Mon. Aug. 24th from 4:30 - 10:00, so stop by and say hi and pick up a very nice shopping bag to carry all of your fair goods in. Also, if you're a first time homebuyer we still have a few spots open for tomorrow night's class at the Chestnut Village Center from 6:30 - 8:00. To register give me a call (937-423-3316) or email me trfinch@gmail.com. See you at the fair.Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0tag:blogger.com,1999:blog-4446879882701294787.post-22625482636887942832009-08-13T09:42:00.002-04:002009-08-13T09:48:10.669-04:00Last First Time Homebuyer Class For AugustThe last first time <span class="blsp-spelling-error" id="SPELLING_ERROR_0">homebuyer</span> class scheduled for August will be next Wed. the 19<span class="blsp-spelling-error" id="SPELLING_ERROR_1">th</span> at the Chestnut Village Center from 6:30 - 8:00. Two more have been scheduled for Sept. 9<span class="blsp-spelling-error" id="SPELLING_ERROR_2">th</span> & 24<span class="blsp-spelling-error" id="SPELLING_ERROR_3">th</span> but if you're planning on taking advantage of the government tax credit and you haven't started looking for that first home you need to get started because it ends Nov. 30<span class="blsp-spelling-error" id="SPELLING_ERROR_4">th</span>. Today a loan process from start to closing can take as long as 60 days depending on which loan program you're using. Let me know if you have any questions.Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0tag:blogger.com,1999:blog-4446879882701294787.post-58804384442505852982009-08-13T09:18:00.003-04:002009-08-13T09:41:49.797-04:00Most Asked Tax Credit Questions Answered1. How can I know if I'm eligible?<br /><br /> <span style="color: rgb(51, 51, 255);">-must be a first time <span class="blsp-spelling-error" id="SPELLING_ERROR_0">homebuyer</span>, which by government definition means can't have </span><br /><span style="color: rgb(51, 51, 255);"> owned a home in the last three years.</span><br /><br />2. I know there are restrictions or fine print, what are they?<br /><br /> <span style="color: rgb(51, 51, 255);"> -the home you purchase must be your primary residence.</span><br /><span style="color: rgb(51, 51, 255);"> -cannot buy your home from a close relative.</span><br /><span style="color: rgb(51, 51, 255);"> -cannot be a nonresident alien.</span><br /><span style="color: rgb(51, 51, 255);"> -must maintain this as your main home for three years.</span><br /><span style="color: rgb(51, 51, 255);"> -income limits for full credit are $75,000 for individuals and $150,000 for couples.</span><br /><br />3. How long do I have to take the credit?<br /><br /> <span style="color: rgb(51, 51, 255);">-it expires on Nov. 30, 2009 which means you must close on the home by this date.</span><br /><br />4. What if I sell this home before the three year time period?<br /><br /><span style="color: rgb(51, 51, 255);"> -it must be repaid in full.</span><br /><br />5. Do I have to wait till I file my 2009 taxes in order to get the money?<br /><br /><span style="color: rgb(51, 51, 255);"> -no you can file a 2008 amended return.</span><br /><br /><br />More questions and answers can be found at <a href="http://federalhousingtaxcredit.com">www.federalhousingtaxcredit.com</a> or feel free to give me a call 937-423-3316 , email me trfinch@gmail.com, or register to take one of the free first time <span class="blsp-spelling-error" id="SPELLING_ERROR_1">homebuyer</span> classes I offer (see previous posts). Information about the classes can also be found at <a href="http://darkecountyproperties.com"> www.darkecountyproperties.com</a> or <a href="http://leisrealty.com">www.leisrealty.com</a>.Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0tag:blogger.com,1999:blog-4446879882701294787.post-3185712073745809872009-08-10T05:49:00.002-04:002009-08-10T06:04:54.557-04:00Tax Credit Extension????<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://tbn3.google.com/images?q=tbn:nTJzl_8EvwqvqM:http://www.giftmonger.com/acatalog/slinky-metal-2.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 129px; height: 129px;" src="http://tbn3.google.com/images?q=tbn:nTJzl_8EvwqvqM:http://www.giftmonger.com/acatalog/slinky-metal-2.jpg" alt="" border="0" /></a><br />There's been a lot of rumors out about the possibility of the government extending the first time homebuyer tax credit past the Nov. 30th deadline or that they could upgrade it to a $15,000 credit to all home buyers (not just 1st timers). The latter is getting the most support from the National Association of Realtors (NAR) because they feel this will stimulate the housing market more than anything else. The date that keeps surfacing in articles that I've read is to extend it to July 1, 2010. I'll keep you posted on any updates, but just remember if you're a first time homebuyer waiting past the Nov. 30th date could be a gamble because there is still a lot of debate plus the fact that it could cost the government (or should I say the taxpayers) another $32 billion. Any questions or comments leave them below or you can give me a call (937-423-3316), email (trfinch@gmail.com), visit my website <a href="http://darkecountyproperties.com">www.darkecountyproperties.com</a>, or better yet attend one of the first time homebuyer classes coming up (see previous posts for more).Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0tag:blogger.com,1999:blog-4446879882701294787.post-33643104208342758982009-08-06T12:33:00.002-04:002009-08-06T12:51:42.556-04:00Still Taking Registrations For Free Classes<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://tbn2.google.com/images?q=tbn:R1rK-DElckDPxM:http://theserenagroup.files.wordpress.com/2009/05/1timebuyer-credit2.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 123px; height: 108px;" src="http://tbn2.google.com/images?q=tbn:R1rK-DElckDPxM:http://theserenagroup.files.wordpress.com/2009/05/1timebuyer-credit2.jpg" alt="" border="0" /></a><br />There are still openings for the Free First Time Homebuyer classes Aug. 12th & 19th at the Chestnut Village Center within the Brethren's Retirement Community in Greenville, Ohio. If you're a first time homebuyer (haven't owned a home for 3 yrs.) you qualify for the government tax credit of up to $8000 but you'll need to take advantage of this soon because it expires Nov. 30th of this year. If you've thought that owning a home was out of reach in the past then now is the time to check in to the possibility again. Along with the tax credit there are still some great loans out there which you may qualify for if your credit score is above 620. Another big plus is the many homes available today. Call today (937-423-3316) or email (trfinch@gmail.com) to register. All we'll need is your name, how many to expect, and the date you're planning to attend. You can see more information on this class by checking out one of my previous posts on this blog or by viewing <a href="http://darkecountyproperties.com">www.darkecountyproperties.com</a>.Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0tag:blogger.com,1999:blog-4446879882701294787.post-75346318716210421662009-08-02T06:33:00.001-04:002009-08-02T06:33:09.669-04:00ate at BTO yogurt ...nice change of pace in Greenville. Help support the new business.Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0tag:blogger.com,1999:blog-4446879882701294787.post-26688411626532401112009-08-01T14:58:00.001-04:002009-08-01T14:58:22.231-04:00Check out the next dates for the next first time homebuyer classes in Greenville. www.darkecountyproperties.comTodd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0tag:blogger.com,1999:blog-4446879882701294787.post-91144472392869342162009-07-28T10:43:00.002-04:002009-07-28T10:53:06.489-04:00More Fall Classes AddedTwo more first time homebuyer classes have been added for the Fall. The dates are, Wed. Sept. 9th and Thurs. Sept. 24th from 6:30 - 8:00. Check out <a href="http://darkecountyproperties.com">www.darkecountyproperties.com</a> for more details or check out one of the previous posts. Give me a call (937-423-3316) or email (trfinch@gmail.com) to register.Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0tag:blogger.com,1999:blog-4446879882701294787.post-17099915679998999232009-07-21T10:41:00.001-04:002009-07-21T10:42:52.120-04:00Free First Time Homebuyer Classes Offered AgainDoes the thought of buying your first home leave you feeling overwhelmed or confused? Well, help is on the way. On Thursday July 30th, Wednesday August 12th, and Wednesday August 19th from 6:30 – 8:00 at Chestnut Village Center in Greenville, Leis Realty and National City Mortgage will be offering a free class for anyone wanting more information on the home buying process. <br /><br />The timing for buying that first home could not be better with a large number of homes on the market, low interest rates, lower home prices, and of course the $8000 tax credit (which will end Nov. 30, 2009) offered to first-time homebuyers. Home ownership offers many advantages over renting. It is a strong investment (yes, even now), and it comes with many tax advantages. You also have control over your environment, pride of ownership, and independence. Since historically, homes appreciate in value over time, every time you make a payment you get a step closer to paying off your home and you build equity, unlike rent.<br /><br />The process of financing and purchasing your first home can be overwhelming, frightening, and confusing. We will attempt to provide you with some valuable information to help you on your way to probably, your biggest investment. Topics covered will include: <br /><br /> Prequalifying and preapproval for a home loan<br /> Credit rating<br /> Using a realtor<br /> Making an offer<br /> Disclosures<br /> Equal opportunity<br /> The new stimulus tax credit<br /> The steps to closing on your first home<br /><br />The class is free, but you need to pre-register because seating is limited. To reserve your place call Todd Finch at Leis Realty at 937-548-5750 ext. 245 or Diane Hill at National City Mortgage 937-548-1300. If you prefer to email, contact Todd at trfinch@gmail.com or Diane at diane.hill@ncmc.com . When registering please leave your name, address and phone number along with which class you’re signing up for. If you have questions, leave those as well and we will return your call.Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com1tag:blogger.com,1999:blog-4446879882701294787.post-76722564283865168272009-04-10T05:57:00.003-04:002009-04-10T06:06:58.439-04:00New Listing in a Perfect Setting<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgrfrFTq0VI2xfnyBYxsXagCbVY7YeD_7DBOUa-Woz1lpLsXYo0RXbASbKpxewVF8CTTUB1sujdPv9l2oXYFvxSBZJZj7JREGR-6KyWXo24N8hK8vQqOd8gZ6Lw9ckVPrt2DDKjoBwRbRk/s1600-h/Front+Main.JPG"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 320px; height: 240px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgrfrFTq0VI2xfnyBYxsXagCbVY7YeD_7DBOUa-Woz1lpLsXYo0RXbASbKpxewVF8CTTUB1sujdPv9l2oXYFvxSBZJZj7JREGR-6KyWXo24N8hK8vQqOd8gZ6Lw9ckVPrt2DDKjoBwRbRk/s320/Front+Main.JPG" alt="" id="BLOGGER_PHOTO_ID_5323000086827878786" border="0" /></a><span style="font-size:100%;"><span style="font-size:130%;"><span style="font-family:lucida grande;">You will be hard pressed to find a place that has a more picturesque setting with a house that fits just right on the property. </span></span>
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name="Bibliography"> <w:lsdexception locked="false" priority="39" qformat="true" name="TOC Heading"> </w:LatentStyles> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Cambria Math"; panose-1:2 4 5 3 5 4 6 3 2 4; mso-font-charset:1; mso-generic-font-family:roman; mso-font-format:other; mso-font-pitch:variable; mso-font-signature:0 0 0 0 0 0;} @font-face {font-family:Calibri; panose-1:2 15 5 2 2 2 4 3 2 4; mso-font-charset:0; mso-generic-font-family:swiss; mso-font-pitch:variable; mso-font-signature:-1610611985 1073750139 0 0 159 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-unhide:no; mso-style-qformat:yes; mso-style-parent:""; margin-top:0in; margin-right:0in; margin-bottom:10.0pt; margin-left:0in; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} .MsoChpDefault {mso-style-type:export-only; mso-default-props:yes; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} .MsoPapDefault {mso-style-type:export-only; margin-bottom:10.0pt; line-height:115%;} @page Section1 {size:8.5in 11.0in; margin:1.0in 1.0in 1.0in 1.0in; mso-header-margin:.5in; mso-footer-margin:.5in; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin-top:0in; mso-para-margin-right:0in; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0in; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin;} </style> <![endif]--> <p class="MsoNormal" style="font-family:lucida grande;"><span style="font-size:100%;"><span style="line-height: 115%;font-size:14;" ><span style="font-size:130%;">Quality built home on two lots in a very quiet country location just minutes from Greenville and Pitsburg.<span style=""> </span>This cedar sided house features large bedrooms with an abundance of storage, split design bathrooms, oversize laundry, attached two-car garage with extra room for a large shop and a very roomy open kitchen design with huge island.<span style=""> </span>The basement has poured concrete walls with one room finished and the rest has many possibilities.</span><o:p></o:p></span></span></p> <p class="MsoNormal"><span style="line-height: 115%;font-size:14;" ><span style="font-size:130%;"><span style="font-family:lucida grande;">The setting for this family home is absolutely gorgeous, with many mature trees and the extra lot is a mostly wooded area. This all electric house is priced to sell quickly so don't miss out. You can see more of this place at <a href="http://darkecountyproperties.com/">www.darkecountyproperties.com</a></span></span></span></p><p class="MsoNormal"><span style="font-size:130%;">
<br /></span></p><p class="MsoNormal"><span style="font-size:130%;">Check it out then give me a call to set up a showing.</span></p><p class="MsoNormal"><span style="font-size:130%;">
<br /></span></p><p style="font-weight: bold;" class="MsoNormal"><span style="font-size:130%;">Todd Finch</span></p><p style="font-weight: bold;" class="MsoNormal"><span style="font-size:130%;">937-423-3316</span></p><p style="font-weight: bold;" class="MsoNormal"><span style="font-size:130%;">trfinch@gmail.com</span></p><p class="MsoNormal">
<br /><span style="line-height: 115%;font-size:14;" ><span style="font-size:130%;"><span style="font-family:lucida grande;"> </span></span><o:p></o:p></span></p>
<br />Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0tag:blogger.com,1999:blog-4446879882701294787.post-7628428945951829542009-04-10T05:41:00.004-04:002009-04-10T05:56:44.807-04:00Is Real Estate Picking Up?<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://tbn3.google.com/images?q=tbn:9FRj3RhQeQv30M:http://api.ning.com/files/FSiO4LhKSO7fi1DOY0c2ibV9t0lHytNGEZUts8E8TTIxR7qHRszjWrZpBwoUxAQiUPcbJLzQnnWK1PkGHRmzZh2ZJXObjqsA/realestate.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 126px; height: 90px;" src="http://tbn3.google.com/images?q=tbn:9FRj3RhQeQv30M:http://api.ning.com/files/FSiO4LhKSO7fi1DOY0c2ibV9t0lHytNGEZUts8E8TTIxR7qHRszjWrZpBwoUxAQiUPcbJLzQnnWK1PkGHRmzZh2ZJXObjqsA/realestate.jpg" alt="" border="0" /></a><br />In the last few weeks I've noticed that for me I've been searching for a lot more people, showing more homes, answering a lot more questions and emails, and listing more homes but not writing new blog posts. I guess when the market is picking up the last thing on my mind is writing. What I've noticed is more people taking advantage of the $8000 first-time homebuyer tax credit and the Rural Development loan available here in Darke Co. for first-time homebuyers.<br /><br />If you are a first-time homebuyer and have even considered the possibility of owning your first home or it's been at least three years since you've owned one, please take advantage of this credit, historic low interest rates, and this loan. If you are working with a realtor give him or her a call today to get started, if not call or email me and I can give you all the information you need. You can also check some of my past posts for more general information.<br /><br />Todd Finch<br />937-423-3316<br />trfinch@gmail.comTodd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0tag:blogger.com,1999:blog-4446879882701294787.post-10411352057192398582009-03-31T20:33:00.001-04:002009-03-31T20:43:06.517-04:00Successful ClassesWell my first ever first-time homebuyer classes are finished (for now) and I feel that they were successful at getting some valuable information out there for first-timers. This is such a great time to buy your first home. I've asked a number of Realtors who have been in the business for over 30 years and they believe this is the best opportunity since they've been in real estate. This is a time when I wish I could be buying my first home. I mean look at all the bonuses:<br /><br /> - $8000 tax credit (see previous post)<br /> - Rural development loan (see previous post)<br /> - A large inventory of houses on the market<br /> - Nearing historic low interest rates<br /><br />If you missed the class but would still like more information on any of the above I'd love to sit down and discuss these with you. You can contact me at trfinch@gmail.com or give me a call at 937-423-3316.Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0tag:blogger.com,1999:blog-4446879882701294787.post-59242973932538518012009-03-15T19:12:00.004-04:002009-03-15T19:20:52.098-04:00Homebuyers Class Sign-up ReminderRemember to sign-up for the free first-time homebuyer class offered by Leis Realty and National City Mortgage in Greenville, Ohio. The dates are Wed. Mar. 25th and Mon. Mar. 30th from 6:30 - 8:00 at the Chestnut Village Center in the Brethren Home Retirement Community. This is free but you need to sign up because of limited seating. You can email me at <a href="http://trfinch@gmail.com">trfinch@gmail.com</a> or Diane Hill at <a href="mailto:diane.hill@ncmc.com">diane.hill@ncmc.com </a>or you may call Leis Realty at 937-538-5750 ext. 245. Make sure, if leaving a message, that you include your name, phone # or email and the date you wish to attend. More information can be seen in one of my earlier posts. See you there.<br /><a href="mailto:diane.hill@ncmc.com"><span style="font-weight: bold;"></span></a><span style=""></span>Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0tag:blogger.com,1999:blog-4446879882701294787.post-46502434561074554332009-03-07T15:46:00.003-05:002009-03-07T16:03:28.007-05:00New First-Time Homebuyer Loan<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://tbn2.google.com/images?q=tbn:puAGhV2ITIOwbM:http://www.zeromoveintx.com/images/usda-2_ut26.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 132px; height: 73px;" src="http://tbn2.google.com/images?q=tbn:puAGhV2ITIOwbM:http://www.zeromoveintx.com/images/usda-2_ut26.jpg" alt="" border="0" /></a><br />I just listened to a presentation on the new USDA Rural Development Guaranteed Rural Housing Loan at a meeting yesterday and it looks like the ideal type of loan for first-time homebuyers in the Darke County, Ohio area.<br /><br />Some of the details are:<br /><br />- No down payment required<br />- 30 year fixed rate<br />- 102% LTV (loan to value) means you might be able to get some of your closing costs paid too<br />- No mortgage insurance<br />- No cash contribution required from the borrower<br />- Unrestricted gifts from others and no need to document the source of the gift<br />- No maximum loan amount<br />- No reserve requirement<br /><br />A designated "rural area" include open country and places with a population of 10,000 or less and under certain conditions, towns and cities between 10,000 and 25,000 residents. Every town and rural area in Darke County falls within these requirements. If you need further questions answered, leave me a comment or give me a call and I can give you the names of some of the banks and mortgage companies that offer this loan program.<br /><br />This loan program will also be explained at the First-time Homebuyer Class offered Mar. 25th & Mar. 30th (See previous post for more information about this class). Hope to see you there.<br /><br />Todd Finch<br />trfinch@gmail.com<br />937-423-3316Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0tag:blogger.com,1999:blog-4446879882701294787.post-70785820731392603942009-02-28T21:09:00.002-05:002009-02-28T21:19:28.208-05:00Free First-Time Homebuyer Class Offered<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://tbn0.google.com/images?q=tbn:iXxwXfz6da9xdM:http://www.homesincentraltoronto.ca/account/70d4db8d68f202b8/pages/40746_1.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 124px; height: 93px;" src="http://tbn0.google.com/images?q=tbn:iXxwXfz6da9xdM:http://www.homesincentraltoronto.ca/account/70d4db8d68f202b8/pages/40746_1.jpg" alt="" border="0" /></a>
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name="Bibliography"> <w:lsdexception locked="false" priority="39" qformat="true" name="TOC Heading"> </w:LatentStyles> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:Wingdings; panose-1:5 0 0 0 0 0 0 0 0 0; mso-font-charset:2; mso-generic-font-family:auto; mso-font-pitch:variable; mso-font-signature:0 268435456 0 0 -2147483648 0;} @font-face {font-family:"Cambria Math"; panose-1:2 4 5 3 5 4 6 3 2 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:-1610611985 1107304683 0 0 159 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-unhide:no; mso-style-qformat:yes; mso-style-parent:""; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman";} a:link, span.MsoHyperlink {mso-style-unhide:no; color:blue; text-decoration:underline; text-underline:single;} a:visited, 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Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman","serif";} </style> <![endif]--> <p class="MsoNormal">Does the thought of buying your first home leave you feeling overwhelmed or confused?<span style=""> </span>Well, help is on the way.<span style=""> </span>On <span style="font-weight: bold;">Wednesday March 25</span><span style="font-weight: bold;"> </span><span style="font-weight: bold;">&</span><span style="font-weight: bold;"> </span><span style="font-weight: bold;">Monday March 30</span><span style="font-weight: bold;"> </span><span style="font-weight: bold;">from 6:30 – 8:00 at Chestnut Village Center in Greenville</span>, <span style=""> </span><span style="font-weight: bold; color: rgb(255, 0, 0);">Leis Realty</span> and <span style="font-weight: bold; color: rgb(0, 153, 0);">National City Mortgage</span> will be offering a free class for anyone wanting more information on the home buying process.
<br /></p><p class="MsoNormal">
<br /></p> <p class="MsoNormal"><o:p> </o:p></p> <p class="MsoNormal">The timing for buying that first home could not be better with a large number of homes on the market, low interest rates, lower home prices, and of course the $8000 tax credit offered to first-time homebuyers.<span style=""> </span>Home ownership offers many advantages over renting.<span style=""> </span>It is a strong investment (yes, even now), and it comes with many tax advantages. You also have control over your environment, pride of ownership, and independence.<span style=""> </span>Since historically, homes appreciate in value over time, every time you make a payment you get a step closer to paying off your home and you build equity, unlike rent.</p><p class="MsoNormal">
<br /></p> <p class="MsoNormal"><o:p> </o:p></p> <p class="MsoNormal">The process of financing and purchasing your first home can be overwhelming, frightening, and confusing.<span style=""> </span>We will attempt to provide you with some valuable information to help you on your way to probably, your biggest investment.<span style=""> </span>Topics covered will include: </p> <p class="MsoNormal"><o:p> </o:p></p> <p class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><!--[if !supportLists]--><span style="font-family:Wingdings;"><span style="">-<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]-->Prequalifying and preapproval for a home loan</p> <p class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><!--[if !supportLists]--><span style="font-family:Wingdings;"><span style="">-<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]-->Credit rating</p> <p class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-family:Wingdings;"><span style="">-<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]-->Using a realtor</p> <p class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><!--[if !supportLists]--><span style="font-family:Wingdings;"><span style="">-<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]-->Making an offer</p> <p class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-family:Wingdings;"><span style="">-<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]-->Disclosures</p> <p class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><!--[if !supportLists]--><span style="font-family:Wingdings;"><span style="">-<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]-->Equal opportunity</p> <p class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><!--[if !supportLists]--><span style="font-family:Wingdings;"><span style="">-<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]-->The new stimulus tax credit</p> <p class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><!--[if !supportLists]--><span style="font-family:Wingdings;"><span style="">-<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]-->The steps to closing on your first home</p> <p class="MsoNormal"><o:p> </o:p></p> <p class="MsoNormal">The class is free, but you need to pre-register because seating is limited.<span style=""> </span>To reserve your place call Todd Finch at <span style="font-weight: bold; color: rgb(255, 0, 0);">Leis Realty</span> at 937-548-5750 ext. 245 or Diane Hill at <span style="font-weight: bold; color: rgb(0, 153, 0);">National City Mortgage</span> 937-548-1300.<span style=""> </span>If you prefer to email, contact Todd at <a href="mailto:trfinch@gmail.com">trfinch@gmail.com</a><span style=""> </span>or<span style=""> </span>Diane at<span style=""> </span><a href="mailto:diane.hill@ncmc.com">diane.hill@ncmc.com</a><span style=""> </span>.<span style=""> </span>When registering please leave your name, address and phone number along with which class you’re signing up for.<span style=""> </span>If you have questions, leave those as well and we will return your call.</p>
<br />Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0tag:blogger.com,1999:blog-4446879882701294787.post-23992112874604253442009-02-25T20:54:00.004-05:002009-02-25T21:06:35.657-05:00Looking For That Move-up Home?<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQkg4z2MNhr0zpyMk3YcB8d2SdNvQoD4j0dtf4Bp6PAni9z-I2qGrfFXmcBxqncSDja2ZJ6aQ5sExlGp5WZfNOdMQFKivXVN8_lpnYPywhGrOcmitxhC-9OjFIhGrQfN8xrBo4AwslvIs/s1600-h/Front+Main.JPG"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 241px; height: 181px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQkg4z2MNhr0zpyMk3YcB8d2SdNvQoD4j0dtf4Bp6PAni9z-I2qGrfFXmcBxqncSDja2ZJ6aQ5sExlGp5WZfNOdMQFKivXVN8_lpnYPywhGrOcmitxhC-9OjFIhGrQfN8xrBo4AwslvIs/s320/Front+Main.JPG" alt="" id="BLOGGER_PHOTO_ID_5306919126984672482" border="0" /></a><span style="font-size:130%;"><span style="font-weight: bold; color: rgb(0, 0, 153);">1245 Holly Hilly Drive, Greenville, OH</span></span><br /><br />Absolutely gorgeous open floor plan. When you walk into the tiled floor foyer you'll find the bright living room with a beautiful, large circle top window to your right and an incredible dining room to your left. Straight ahead you'll be drawn to the fireplace in the large family room with cathedral ceiling and skylights. To the left of the family room you enter the extra large kitchen flooded in morning light from the large bow window in the eat-in area. Adjacent to the kitchen is the bedroom/den with an attached half bath plus the laundry room. When you get to the master suite you can't help but notice the beautiful tray ceiling above the bed and the large open bathroom with separate tub and shower. Ample storage for clothes in the master bedroom can be found in the walk-in closet. The basement includes two separate entrances and is where you'll find two bedrooms and a full bath plus lots of extra square footage for anything your heart desires. Other features of this house include: 9' high x 9" thick poured concrete basement walls, surround sound system in the family room, all appliances stay in the kitchen, 20 x 24 deck and 10 x 12 utility barn. You won't want to miss seeing this incredible home before it's too late.<br /><br />For more information on this great home visit <a href="http://darkecountyproperties.com">www.darkecountyproperties.com </a> then give me a call (937-423-3316) or email (trfinch@gmail.com) me with any questions or to set up a showing.Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0tag:blogger.com,1999:blog-4446879882701294787.post-10583820451363481372009-02-22T09:36:00.004-05:002009-02-26T18:21:13.597-05:00$8000 Tax Credit Simplified<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://tbn2.google.com/images?q=tbn:DjbiuzhLVAGBxM:http://www.gm-volt.com/wp-content/uploads/2008/02/tax_credit.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 82px; height: 122px;" src="http://tbn2.google.com/images?q=tbn:DjbiuzhLVAGBxM:http://www.gm-volt.com/wp-content/uploads/2008/02/tax_credit.jpg" alt="" border="0" /></a>If you were or are confused about the $8000 tax credit you're not alone. Hopefully I can clear some things up for those of you who are looking at the possibility of choosing this as an option.<br /><br />First, the original tax credit was $7500 for first time homebuyers but it was more like an interest free loan. The government basically was loaning this money but it would have to be paid back over the next 15 years every time you filed your taxes ($500 a year). The House and Senate differed over what this tax credit would be, the House said $7500 and the Senate wanted $15,000 (there were more details than that). The final plan signed by President Obama would in effect give a first time homebuyer a $8000 true tax credit that would not have to be repaid. Here are the simplified details:<br /><br />- $8000 tax credit for first time homebuyers<br />- A first time homebuyer is anyone that has not owned a home for the last three years<br />- This credit would be 10% of the purchase price of the house up to a maximum of $8000<br />- Only available to individuals with incomes up to $75,000 or married couples with incomes up<br /> to $150,000.<br />- Only for the purchase of a home from Jan. 1, 2009 to Nov. 30, 2009<br />- It is based on your tax liability * See examples below<br />- Cannot be used as a downpayment because you have to purchase the home then file your<br /> taxes to get it<br />- You can file an amended return to get this credit if you've already filed your taxes for 2008<br />- You must live in the house for three years or you'll have to pay back the credit<br /><br /><span style="font-style: italic; color: rgb(255, 0, 0);">Tax Scenario #1:</span> Your federal withhold is $4500 and at the end of the year when you file your taxes you owe nothing and are not getting a refund. You will then be able to claim the entire $8000.<br /><br /><span style="font-style: italic; color: rgb(255, 0, 0);">Tax Scenario #2: </span> After filing your taxes you've discovered that you would be getting a $2000 refund. Your final credit would then be $10,000.<br /><br /><span style="font-style: italic; color: rgb(255, 0, 0);">Tax Scenario #3:</span> You've finished figuring your taxes and you discover that you owe $1500 to the federal government. Your credit would then be reduced by what you owe and you then would get a $6500 credit.<br /><br /><br />Now the question might be how can I claim this? My suggestion as always, when dealing with taxes and the federal government, would be to consult your tax professional. You can find more information using the following link<br /><br /><a href="http://www.federalhousingtaxcredit.com/2009/home2.html">http://www.federalhousingtaxcredit.com/2009/home2.html</a><br /><br />If I can be of any help finding that first home for you so you can take advantage of this credit please give me a call (937) 423-3316 or email me at trfinch@gmail.com and I will do my best. Any questions or comments I'd love to hear them, just comment below.Todd Finchhttp://www.blogger.com/profile/13879079449962630028noreply@blogger.com0