20% of the homebuyers for 2008 were single women, but this number could be much higher. During my weekly networking events, I meet many successful, intelligent, and independent in almost every way women- some I truly admire, some flatteringly admire me. But not an event passes where one of those same, independent, intelligent, successful women, does not says to me, that she doesn’t want to buy a home before she finds her husband for fear that she will seem too independent and intimidate or scare him off. What????!!!!!!!!!! So you would want to meet a man who thinks it was a smarter decision for you to patiently wait on him while wasting money monthly? This money could be better spent investing in your future-an investment tool which could provide wealth for the both of you later, possibly provide money to start a business, pay for school, or pay off debt in an emergency. This investment anchors you to your community even further, giving you stability and more responsibility to not spend as much in the club, shopping or on your nails. What about that could possibly not be attractive coupled with the fact that you are a successful, educated, lady and not doubt beautiful? I understand wanting to wait to clear up credit, find a job/a more stable well paying job, save for a down payment or to simply buy a larger home. But to wait only so that you can come across as a lady who doesn’t quite have it together shouldn’t be a quality anyone strives to possess. Independent women have such a great talent to move forward, put ourselves through school, maintain a home, a job, possibly children, and support our church, all while pressing to reach our other goals. I am one of these women, and would only like to see us make wise decisions to increase our wealth and advance. Please don’t let all of the grants, down payment programs, tax rebates, etc. etc. pass you buy. To the lady I met this week; this is not a personal dig at you, just a combination of weeks of comments- I’m ready to help whenever you are ready to stop waiting Mr. Right.
Monthly Archives: July 2009
Heard about the $8000 tax credit, the $2000 mortgage credit, or the 90 Day downpayment assistance program of up to $7000? Come to this homebuyer seminar where I will discuss all of the programs currently available to get you into a home. The entire buying process, credit, and financing will also be discussed. Refreshments will be served and seating is limited. RSVP by email or phone, and bring something to write with , write on and your questions. Also, 2 names will be drawn for Gas Cards. See you on the 11th!
90 Day Down Payment Assistance Program To assist Texans in purchasing their first home, The Texas Department of Housing and Community Affairs (TDHCA) created the 90 Day Down Payment Assistance Program designed to help home buyers with their down payment and closing costs needs. Eligibility First time homebuyers purchasing a new or resale home that will be used as their primary residence First time homebuyer who has not owned a home during the last 3 years The income limit for single tax payers is $75,000 a year, for couples filing jointly, $150,000 Home purchases must occur before December 1, 2009 Requirements Each homebuyer is required to attend an 8 hour homebuyer education course before the purchase Homebuyers must be eligible to claim the federal first time homebuyer tax credit Homebuyers must complete the IRS form S405 and file an amended 2008 IRS federal tax return Borrower pay $250 for administration fees Assistance 5% of the first lien mortgage amount up to a maximum of $7000 for down payment and/or closing costs. This program, like many others currently on the market, should be discussed with your Realtor and mortgage broker.