If you ever desired an affordable beach get a way ...

Super low interest rates and the lowest priced beach properties, condominiums and more
now is the time to pick up a deal.

click on http://www.beachhomesdaytona.com
click on "search"

Redone beach house-has your name all over it!!!

http://www.dabmls.com/day/maildoc/sd_6Zg62t20111231165945.html
Click here to view this very nice redone beach house.
What are you waiting for?
Super low interest rates.

For more information of homes for sale, golf course homes, river front homes or foreclosures
go to http://www.beachhomesdaytona.com

2006 built house on the beach-very fancy

http://www.dabmls.com/day/maildoc/sd_DZTNlE20111230202001.html
Click here to view this very attractive house at the beach.

For more information of homes for sale, foreclosures, golf course homes or condominiums
go to http://www.beachhomesdaytona.com

Pool home near the beach great price.

http://www.dabmls.com/day/maildoc/sd_aXomc720111230194632.html
click here to view this pool home

For more information of homes for sale, foreclosures, golf course homes or condominiums go to
http://www.beachhomesdaytona.com

Walk to the beach super price!

MLS 526541
Click here to view this 3 bdr home just a short stroll to the beach.

For more information of homes for sale, condominiums, foreclosures or golf course
homes go to http://www.beachhomesdaytona.com

Beach cottage bargain!!!

http://www.dabmls.com/day/maildoc/sd_4thh0p20111222201809.html
click here to view this amazing beach cottage in walking distance to the Atlantic Ocean.

For more information of homes for sale, condominiums, golf course homes or foreclosures
go to http://www.beachhomesdaytona.com

Wow-redone- walk to the beach!!!

http://www.dabmls.com/day/maildoc/sd_FRQt7220111220192143.html
Redone interior, super affordable home short walk to the beach.


For more information of homes for sale, condominiums, golf course homes or foreclosures
go to htpp://www.beachhomesdaytona.com

Contemporary home on the lake.

MLS 518002
Spacious home very modern architecture with high ceilings.
Click to view.


For more information of homes for sale, condominiums, golf course homes
or foreclosures go to http://www.beachhomesdaytona.com

Unique super modern home with ocean views.

http://www.dabmls.com/day/maildoc/sd_bmQGdh20111218111143.html

Super moder pool home. click here to view.

For more information of homes for sale, ocean front homes, condominiums, golf course homes go to
http://www.beachhomesdaytona.com

3 Bdrs direct ocean front - fantastic value!!!

http://www.dabmls.com/day/maildoc/sd_sK8lDX20111210210459.html
click here to view this amazing condo

For more information of homes for sale, golf course homes, foreclosures or ocean front
go to http://www.beachhomesdaytona.com

Redone move in ready-jump in the pool

MLS 516518
Click here to view this one bedroom condo sold furnished.
Community pool and just two blocks from the beach.

For more information of homes for sale in the Greater Daytona Beach
Area: go to http://www.beachhomesdaytona.com

Beach house-get-a-way fantastic value!

http://www.dabmls.com/day/maildoc/sd_qmunnQ20111210085945.html
click here to view this affordable beach house calling your name.

For more information of homes for sale, condominiums, foreclosures
go to http://www.beachhomesdaytona.com

River view sold furnished

MLS 512600
click here to view this excellent value condo sold furnished
just two blocks from the Atlantic ocean.
Coffee shops, restaurants and much more close by.

For more information of homes for sale, golf course homes, ocean front homes
or foreclosures go to http://www.beachhomesdaytona.com

Very affordable beach house no joke!!!

http://www.dabmls.com/day/maildoc/sd_Ad1NM920111207202429.html
click here to view this home in direct path of the Atlantic Ocean.

For more information of homes for sale, condominiums, golf course homes or foreclosures
go to http://www.beachhomesdaytona.com

Direct river front condominium asking $110,000 move in ready!!!

http://www.dabmls.com/day/maildoc/sd_1hskqS20111206194551.html
click here to view this ready move in condo just two blocks from the ocean.

For more information of homes for sale, golf course homes, foreclosures or ocean front homes
go to http://www.beachhomesdaytona.com

Direct ocean front home absolutely best buy!!!

http://www.dabmls.com/day/maildoc/sd_M6lLTe20111130192457.html
Click here to view the best priced home directly on the beach.


For more information of homes for sale, golf course homes, condominiums or foreclosures
go to http://www.beachhomesdaytona.com

Pool home newer built under $185,000

http://www.dabmls.com/day/maildoc/sd_eqbE4120111130164239.html
click here to view this amazing home -what a bargain.

For more information of homes for sale, golf course homes, condominiums or foreclosures
go to http://www.beachhomesdaytona.com

What can you buy near the beach for $55,000???

http://www.dabmls.com/day/maildoc/sd_Ae9QZ520111129202653.html
click here to view this attached home located ten minutes by car to the beach.

For more information of homes for sale, golf course homes, condominiums or foreclosures
go to http://www.beachhomesdaytona.com

Homes with airplane hangers under $600,000

http://www.dabmls.com/day/maildoc/sd_BEvzUO20111128105236.html
Click here to view these amazing homes with private airplane hangers.

For more information of homes for sale, golf course homes, condominiums or foreclosures
go to http://www.beachhomesdaytona.com

3 Bdrs for $59,000 what are you waiting for?

http://www.dabmls.com/day/maildoc/sd_18ab8r20111127193805.html
click here to view this *super* affordable home.

For more information of homes for sale, condominiums, golf course homes or river front homes
go to http://www.beachhomesdaytona.com/

Direct ocean front under $500,000

http://www.dabmls.com/day/maildoc/sd_iYgAlY20111124183927.html
click here to view this property on the Atlantic Ocean

For more information of homes for sale, golf course homes, foreclosures or condominiums
go to http://www.beachhomesdaytona.com

What $149,900 for a oceafront condo

http://www.dabmls.com/day/maildoc/sd_eVGpyM20111123210014.html
Click here to view this condo in Ormond by the Sea

For more information of homes for sale, condos, golf course homes, foreclosures go
to http://www.beachhomesdaytona.com

Have plane? Park it next to your house.

http://www.dabmls.com/day/maildoc/sd_1aeK7j20111121194943.html
Click here to view this amazing pool home which comes with your own hanger.


For more information of homes for sale, golf course homes, condominiums or
foreclosures go to http://www.beachhomesdaytona.com

Walk to the beach from here...

http://www.dabmls.com/day/maildoc/sd_XzLJHJ20111123122451.html

Very affordable summer/vacation home near the Atlantic Ocean.

For more information of homes for sale, condominiums, foreclosures and golf course homes
go to http://www.beachhomesdaytona.com

Ocean front condo under $300,000

http://www.dabmls.com/day/maildoc/sd_yy0fmv20111122132331.html
Click here to view this Luxury condominium bank foreclosure what a fantastic price.

For more information of homes for sale, golf course homes, foreclosures and much more
go to http://www.beachhomesdaytona.com

Sandy white beach - only the best will do!!!

http://www.dabmls.com/day/maildoc/sd_Jp6HP620111121200351.html
Click here to view a direct ocean front condo, what a great value.

For more information of homes for sale, golf course homes, ocean front homes or foreclosures
go to http://www.beachhomesdaytona.com

Do you have a plane? Park it here!!!

http://www.dabmls.com/day/maildoc/sd_1aeK7j20111121194943.html
Click here to view this amazing pool home with it's own hanger.

For more information of homes for sale, condominiums, golf course homes or foreclosures
go to http://www.beachhomesdaytona.com

Under $175,000 for direct ocean front

http://www.dabmls.com/day/maildoc/sd_P3PSp520111118150424.html
10th Floor direct ocean front condo in Daytona Beach Shores.

For more information of homes for sale, golf course homes, foreclosures or condos go to
http://www.beachhomesdaytona.com

Cute house only $95,000

http://www.dabmls.com/day/maildoc/sd_nwzDzA20111117140157.html
Click here to view this cute house with recent updates.

For more information of homes for sale, condominiums, foreclosures and ocean front homes
go to http://www.beachhomesdaytona.com/

Pool home on over 3 acres, WOW!!!

http://www.dabmls.com/day/maildoc/sd_1l4L7p20111115091010.html
Click here to view this magnificent home just minutes from city conveniences.

For more information of homes for sale, condos, foreclosures go to http://www.beachhomesdaytona.com

Ocean front homes: $500K or 1M

http://www.dabmls.com/day/maildoc/sd_cTJ0YD20111114190048.html
Click here to view these homes directly on the ocean.

For more information go to htpp://www.beachhomesdaytona.com

Gated golf course community

MLS 512600

Click here to view this home.

For more information of homes for sale, ocean front homes, condos or foreclosures
go to http://www.beachhomesdaytona.com

Great value for a golf course home.

MLS 525030

Please click her to view this fantastic value.
Gated community with two golf courses.

For more information of homes for sale, condos, foreclosures
or homes on the ocean go to http://www.beachhomesdaytona.com

Your direct real estate source in Daytona Beach

For more information of homes for sale, condominiums, golf course homes, river front homes and ocean front homes go tohttp://www.beachhomesdaytona.com/

Fantastic value - oceanfront home

http://www.dabmls.com/day/maildoc/sd_gQJJQg20111109141041.html

click here to view this amazing home with the Atlantic Ocean out front.


For more information of homes for sale, condominiums, river front homes
go to http://www.beachhomesdaytona.com/

Golf anyone???

MLS 525030
Please click here to view this very affordable home located on the
5th green of Prestwick Golf Course gated community of Plantation Bay.

For more information of homes for sale, condominiums or ocean front homes
go to http://www.beachhomesdaytona.com

2003 Golf Course home.

MLS 525030
Click here to view this modern home with high ceilings and golf course
vistas.

For more information of homes for sale, condominiums or foreclosures
go to http://www.beachhomesdaytona.com

Amazing home ....

http://www.dabmls.com/day/maildoc/sd_bYu7i520111106171537.html
Click here to view this amazing house.

For more information of homes for sale go to http://www.beachhomesdaytona.com/

What can you buy for $800,000

For more information of homes for sale, condominiums or foreclosures go to
http://www.beachhomesdaytona.com/

Gorgeous kitchen

Click here to view this lake front home with two master suites and high
ceilings. Porcelin tile floors and much more.
MLS 518002


For more information of homes for sale, condominiums and foreclosures
go to http://www.beachhomesdaytona.com

Condo at the beach

Click here to view this listing just a few steps from the Atlantic Ocean.
MLS 512694

For more information of homes for sale, condominiums or foreclosures go to
http://www.beachhomesdaytona.com

Just bring your clothes.

Please click here to view this condo on the river and near the beach sold furnished.

MLS 512600

For more information of homes for sale, condominiums and foreclosures go to
http://www.beachhomesdaytona.com

What is for sale???

For all your real questions of current listings from condos to foreclosures go to
http://www.beachhomesdaytona.com/

click "search mls"

Beach condo at great price

MLS 512694

Walk out unit just a few steps to the beach.

For more information of homes for sale or foreclosures go to
http://www.beachhomesdaytona.com

Seller will do private lending at 6%

MLS 516518
Seller will hold private note at 6% for 10 years with $10,000 down.
Move in ready condo unit with river dock and only two blocks from
the beach. ***Sold furnished***

For more information of homes for sale or foreclosures go to
http://www.beachhomesdaytona.com

Owner Finance at 6% for 10 years

Owner will finance a ready to move in condo on the river and about two
blocks from the beach sold furnished with one bdr/one bath.
currently listed for $62,900

Owner will accept $52,500 with $10,000 down at 6% for ten years.

For more information of this property and many more go to http:/www.beachhomesdaytona.com

Low interest rates...now is the time to buy that house/condo.

The good news? Two key measures now suggest it's an excellent time to buy a house, either to live in for the long term or for investment income (but not for a quick flip). First, the nation's ratio of house prices to yearly rents is nearly restored to its prebubble average. Second, when mortgage rates are taken into consideration, houses are the most affordable they have been in decades.

For more information of homes for sale in the Greater Daytona Beach Area and surrounding communities go to http://www.beachhomesdaytona.com/

Condo at the beach for only $89,000

click here to view this very affordable condo just a few steps
from the Atlantic Ocean.
MLS 512694


For more information of area homes for sale go to http://www.beachhomesdaytona.com

Sold furnished

Click here to view this move in ready condo sold furnished in a building
located on the river and only a couple of blocks from the beach.
MLS 512600

For more information of area homes for sale, golf course homes, condos
or foreclosures go to http://www.beachhomesdaytona.com

Low interest rates equals great time to buy!

Now is the time to buy your winter vacation get a way for under $100K.
Spend the winters in sunny Daytona Beach area and surrounding communities
for the winter at today's low rates for about $700 or less a month payment.

Go to http:www.beachhomesdaytona.com for more information of area properties for sale

Gorgeous home - lake front

Located in a tree lined community with tennis courts
just minutes from major shopping.
Gorgeous home with high ceilings and high end finishes.
click here to view
MLS 518002


For more information of area homes for sale, condominiums or foreclosures
go to http://www.beachhomesdaytona.com

What can you buy for $62,900

Super cute condo located in a river front complex.
Only two block from the Atlantic Ocean.
Sold furnished.
Fantastic deal-click here to view
MLS 516518

For more information of area homes for sale or foreclosures or condominiums
go to http://www.beachhomesdaytona.com

Ocean front condo at a great price.

http://www.dabmls.com/day/maildoc/sd_4jIpaf20111007210613.html

Click here to view this super oceanfront condo.


For more information of homes for sale, golf course homes, condominiums or foreclosures.
go to http://www.beachhomesdaytona.com/

Two ideas for downpayment assistance :=)

TWO GREAT IDEAS TO GET HELP WITH A DOWNPAYMENT!!!

1. Investigate local, state, and national down payment assistance programs. These programs give qualified applicants loans or grants to cover all or part of your required down payment. National programs include the Nehemiah program, www.getdownpayment.com, and the American Dream Down Payment Fund from the Department of Housing and Urban Development, www.hud.gov.
2. Explore seller financing. In some cases, sellers may be willing to finance all or part of the purchase price of the home and let you repay them gradually, just as you would do with a mortgage.

 

For more information of homes for sale in the Greater Daytona Beach Area of homes, condos or foreclosures go to http://www.beachhomesdaytona.com

Google soon power homes?

Could Google soon power homes?

NEW YORK – Oct. 4, 2011 – The Internet giant is increasing its stake in the solar home power business with a $75 million “initial investment” to buy and own solar-panel generators on roofs of thousands of homes. Google is investing in Clean Power Finance, a start-up company that matches solar-panel installers with investors willing to buy rooftop solar-panel systems.

“With Google’s investment, solar-panel installers can find homeowners who want solar panels on their roofs but don’t want to have to pay several thousand dollars to own the system,” according to an article in The Wall Street Journal.

“We’re excited about the opportunity to really help accelerate residential solar,” says Rick Needham, Google’s director of green business operations.

The latest investment will likely help fund up to 3,000 home rooftop solar systems. In June, Google made a $280 million investment in residential rooftop solar-panel installations with SolarCity Corp. Google’s total investment in renewable energy has been more than $850 million.

Rooftop solar demand is growing, and homeowners are finding paybacks too. Earlier this year, a study by Lawrence Berkeley National Laboratory found that solar panels not only saved homeowners money on electricity bills but also helped boost a home’s resale value, particularly for existing homes.

Source: “Google Invests $75 Million in Home Solar Venture,” The Wall Street Journal (Sept. 27, 2011)

© Copyright 2011 INFORMATION, INC. Bethesda, MD

For more information of homes for sale on the golf course, on the ocean or condominiums go to
http://www.beachhomesdaytona.com/

What can you buy for $89,000???

MLS 512694 click here to view this super affordable beach condo.

For more information of homes for sale go to Http://www.beachhomesdaytona.com

VA to cover extra costs.

VA to cover extra costs amid home loan confusion.

COLUMBIA, S.C. – Oct. 3, 2011 – The U.S. Department of Veterans Affairs says it will cover extra costs for veterans who struck deals on home loans but now face the possibility of higher fees amid confusion over a federal law change.

The problem involves a Sept. 8 notice from the Department of Veterans Affairs loan operations that said fee rates would be lower beginning Saturday. Congress delayed that lower rate until November.

The change would have forced lenders who already had deals on home loans to increase the fee or pay it themselves. It could have taken longer to close mortgage deals because the fees changed the loan’s terms.

VA spokesman Josh Taylor said Saturday fee differences will be waived if veterans had closed loans at lower rates than required with new legislation.
Copyright © 2011 The Associated Press, Jim Davenport. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

For more information of homes for sale, condominiums or foreclosures go to http://www.beachhomesdaytona.com/

Condo at the beach for $89,000......

Click here to view this super cute condo at the beach.

MLS 512694


For more information of area real estate go to http://www.beachhomesdaytona.com

Great deals on ocean front pool homes...

Click here to view these well priced pool homes along the Atlantic Ocean coast.

http://www.dabmls.com/day/maildoc/sd_S2Zgh320111003132248.html



For more information of homes for sale on the ocean, on the river, golf course homes or condominiums go to http://www.beachhomesdaytona.com/

Directly on the beach...what a deal!!!

Click here to view this amazing home directly on the Atlantic Ocean and beautiful sandy beach.
http://www.dabmls.com/day/maildoc/sd_HUpUNW20111003132413.html


For more information of homes for sale on the ocean, golf course or condominiums go to
http://www.beachhomesdaytona.com/

Best priced river front homes...check it out!!!

http://www.dabmls.com/day/maildoc/sd_3l7jgX20111002200759.html
Click here to view the best priced river front homes.


For more information of homes for sale on the golf course, foreclosures or condominiums go to
http://www.beachhomesdaytona.com/

Super low interest rates...now is the time to get that vacation home/condo!!!

The average on a 30-year fixed mortgage fell to 4.01 percent from 4.09 percent this week, Freddie Mac said Thursday. That’s the lowest rate since the mortgage buyer began keeping records in 1971. The last time long-term rates were lower was in 1951, when most long-term home loans lasted just 20 or 25 years.

http://www.beachhomesdaytona.com/

Luxury condo sold furnished right on the beach.=:)

http://www.dabmls.com/day/maildoc/sd_SwL2A220111001165354.html

Click here to view this amazing condo ... what a steal right on the beach

For more information of homes for sale in the Greater Daytona Beach Area go to  http://www.beachhomesdaytona.com/

Pool Home in walking distance to the beach!!!

http://www.dabmls.com/day/maildoc/sd_ksY0xZ20111001155845.html

Click here to view this home soooooo near the beach.

For more information of homes for sale near the beach, at the golf course or condominiums
go to http://www.beachhomesdaytona.com/

Great location, great price, great value!!!

http://www.dabmls.com/day/maildoc/sd_mAWVwZ20110928175210.html

Click to view this lovely home in great condition.

For more information of area homes for sale go to http://www.beachhomesdaytona.com/

Condo at the beach for $89,000

MLS 512694 click here to view.

For more information go to http://www.beachhomesdaytona.com

What others are saying...

What others are saying...

For more information of homes for sale, condos, foreclosures or land go to
http://www.beachhomesdaytona.com/

Greater Daytona Beach video

Area video
http://www.youtube.com/watch?v=z3kr93vOU7w

For more information of homes for sale, foreclosures or condominiums go to http://www.beachhomesdaytona.com/

Gorgeous home with room for the whole family.

Click here for more details
Gorgeous home

For more information of area homes for sale on the golf course, near the beach or ocean front homes or condominiums go to http://www.beachhomesdaytona.com/

Direct ocean front condo only $199,000

Click here for more details

For more information of area homes for sale in the Greater Daytona Beach Area of golf course homes
ocean front properties or foreclosures.
http://www.beachhomesdaytona.com/

Super affordable vacation getaway

Click to view all property details.



For more information of homes for sale, foreclosures or golf course homes go to beachhomesdaytona.com

MLS 512694

MLS 512694

VERY AFFORDABLE Condo unit located at the beach.
Walk out unit just a few steps to the sand.
Major shopping across the street.

For more information of homes for sale, foreclosures
or golf course homes go to http://www.beachhomesdaytona.com

MLS 512605

MLS 512605

River and pool view condo just two blocks from the beach.
Sold furnished.
Super affordable home or vacation get a way.

For more information of area homes for sale go to http://www.beachhomesdaytona.com

Florida bouncing back, and recession not likely, report says

MIAMI – Sept. 16, 2011 – Florida’s improving economy should avoid recession, even as the recovery fights significant headwinds from a devastated real estate industry.

That’s the conclusion from the latest outlook for the Sunshine State by Wells Fargo, which sees South Florida and Tampa leading the rebound in hiring this year. Both markets have seen modest job growth in recent months, and payrolls are up about 1 percent in both regions during the last three months.

“Florida is slowly battling back from its worst recession in modern times,’’ the report reads. Wells Fargo expects economic growth to hit 2.2 percent next year in Florida, despite growing anxiety that the nation is heading for a second recession.

The Wells Fargo report credits a strong rebound in foreign tourism for Florida’s improving fortunes, with South Florida and Orlando enjoying outsized boosts from their popularity with travelers from Europe and Latin America.

Still, South Florida gets special mention in the report as a particularly troubled region. “South Florida’s recovery from the Great Recession has been painfully slow,” the report reads. Among the biggest problems Wells Fargo cites: nearly 40 percent of the region’s mortgages are either in foreclosure or at least 90 days overdue, compared to the national average of 11 percent.

Copyright © 2011 The Miami Herald, Douglas Hanks. Distributed by MCT Information Services
For more information of homes for sale on the ocean, river front homes, golf course homes or condominiums or foreclosures go to http://www.beachhomesdaytona.com/

Realtors honor 9/11 victims and families.

NEW YORK – Sept. 9, 2011 – As the nation honors the victims of 9/11 on the attack’s tenth anniversary, Realtors look back in sad remembrance but also with a certain pride for the way the Realtor family came together to help the victims’ families.

Within 24 hours of the attacks, the National Association of Realtors® created the Realtors Housing Relief Fund (RHRF) with a single goal: to make sure no families touched by the attacks lost a home. Within six days, it collected $1.7 million. The fund still exists today as the Realtors Relief Foundation.

“(Sept. 11) was our Pearl Harbor,” says 2001 NAR President-Elect Martin Edwards. “(NAR President Richard Mendenhall and I) agreed that Realtors were going to want to do something to help this country.”

Edwards and Mendenhall called in then Chief Financial Officer Dale Stinton and Frank Sibley, senior vice president of communications and convention. They reached out to the state associations affected by the terrorist attacks, and they created a mission: No family would lose its home as a result of the attacks. NAR would collect funds to help surviving family members pay their mortgage or rent for a defined period as they tried to get their lives in order.

The Realtors Housing Relief Fund officially launched on Sept. 12, 2001 – the day after the attacks – with 100 percent of all funds promised to surviving family members. NAR kicked off the fund with a $1 million donation, but money also poured in from local and state associations, and from individuals.

“I was the executive vice president of the Massachusetts Association of Realtors on 9/11,” recalls Florida Realtors CEO John Fridlington as the staff took a moment to remember the tragedy. “Since two of the planes took off from Boston, we had local families directly impacted by the disaster. In the weeks that followed, Realtors hand-delivered relief fund checks to the victim’s families; I personally visited four homes. It was hard, but I’ve never been prouder of our Realtor family, nor more aware of the vital work America’s Realtors do for our nation’s homeowners.”

© 2011 Florida Realtors

For more information of homes for sale, foreclosures, golf course homes or condos go to
http://www.beachhomesdaytona.com/

$5000 in grants

Correct website: http://www.pentagonfoundation.org/.

$5000 in grants for First time military buyers.

Active duty personnel, veterans and retired members of the miltary and employees of the U.S. Department of Defense are eligible to apply go to http://www.pentagonfoundationorg./ click on "Dream Makers" link.

For more informations of homes for sale in the Greater Daytona Beach Area and surrounding communities go to http://www.beachhomesdaytona.com/

MLS 512694

MLS 512694

Very affordable condo at the beach...truly walk out unit just a couple
of steps to the atlantic ocean and sand.
Major shopping just across the street and one hour to Disney attractions.

For more information of homes for sale, condominiums or foreclosures
go to http://www.beachhomesdaytona.com

Buying or selling on your own...???

http://www.youtube.com/watch?v=gfyB0kfzCLI&feature=youtu.be

For more information of homes for sale in the Greater Daytona Beach Area go to
http://www.beachhomesdaytona.com/

Mortgage Rate Trend Index

30-year mortgage falls to 4.12%, record low

Mortgage experts polled by Bankrate.com this week can’t agree on what will happen next, with 1/3 (31%) predicting they’ll go up, 1/3 (31%) saying they’ll go down, and 1/3 (38%) expecting no change over the short term.

WASHINGTON – Sept. 9, 2011 – Fixed mortgage rates fell this week to the lowest levels in six decades.

The average rate for the 30-year fixed mortgage fell to 4.12 percent, down from 4.22 percent, Freddie Mac said Thursday. It’s the lowest level on records dating back to 1971. Freddie Mac said the last time rates were cheaper was 1951, when most long-term home loans lasted just 20 or 25 years.

The average rate on a 15-year fixed mortgage, a popular refinancing option, fell to 3.33 percent from 3.39 percent. That’s the lowest on records dating to 1991 and likely the lowest ever, according to economists.

For more information of homes for sale or condominiums or foreclosures go to http://www.beachhomesdaytona.com/

Energy efficient labels...

Most efficient’ labels debut for appliances

WASHINGTON – Sept. 8, 2011 – The Energy Star program has been criticized for allowing too many home appliances to carry the energy efficiency label, so the Environmental Protection Agency and the Department of Energy, which jointly run Energy Star, announced the rollout of a new label – “most efficient.”

The “most efficient” label is reserved for the utmost energy-efficient washers, dryers and other appliances.

The Energy Star Most Efficient program will start on a pilot basis through the rest of the year, USA Today reports. The designation will be reserved for the top 5 percent of energy-efficient products.

Appliances first eligible for the designation will include clothes washers, heating and cooling systems, televisions and refrigerator-freezers. In the fall, the EPA will consider new categories for the label.

The “most efficient” products must “demonstrate efficiency performance that is truly exceptional, inspirational or leading-edge – consistent with the interests of environmentally motivated consumers and early adopters,” according to EPA’s guidelines.

To view a list of products that have so far received the new label, visit energystar.gov/mostefficient.

Source: “New ‘Most Efficient’ Label Takes Energy Star Step Further,” USA Today (Aug. 29, 2011)
For more information of homes for sale in the Greater Daytona Beach Area and surrounding communities of golf course homes, condos and foreclosures go to http://www.beachhomesdaytona.com/

Come check out the fantastic real estate deals in Daytona Beach.

This is the time to shop for a vacation home or condo near or at the beach for a great price.
Search my website to view more properties:

http://www.beachhomesdaytona.com/  then go to properties.  Enjoy!

Super low mortgage rates.

Mortgage Rate Trend Index

Expect rates to stay the same (42%) or go down (33%) say most mortgage experts polled this week by Bankrate.com. The remaining 25% foresee an increase.

WASHINGTON – Sept. 2, 2011 – Fixed mortgages were mostly flat this week after hitting their lowest levels in decades. .

The average rate on the 30-year fixed mortgage stayed at 4.22 percent for the second straight week, Freddie Mac said Thursday. The rate hit 4.15 percent two weeks ago, the lowest level on records dating to 1971.

The average rate on the 15-year fixed mortgage, a popular refinancing option, fell to 3.39 percent from 3.44 percent. Two weeks ago, it reached 3.36 – the lowest rate on records dating to 1991 and likely the lowest ever, according to economists.

Mortgage rates typically track the yield on the 10-year Treasury note. Yields rose this week as investors shifted money back to a more stable stock market.

 For more information of homes for sale, condominiums, foreclosures go to http://www.beachhomesdaytona.com/

What can you buy for $60,000

MLS 516518

Fish off the dock or enjoy a swim in the community pool.
Sold furnished.
Near the beach and major shopping.
One hour from Disney attractions.

For more information of homes for sale in the Greater Daytona Area and surrounding
communities go to http://www.beachhomesdaytona.com

MLS 512600

MLS 512600

Sold furnished and a short distance to the beach.
Fish off the dock or enjoy the community pool.
Move in ready condition.

For more information of homes or condos for sale go to http://www.beachhomesdaytona.com

Census information on Daytona Beach, Florida

Sources: Fl. Dept. of State; Visit Florida; US. Census Bureau; Bureau of Economic  Business Research (University of Florida); State of Florida.com

   1,000 People move to Florida each day

12 International Airports

1,200 Miles of Sand Beaches

1,250 Golf Courses

1,800 Miles of Coastline

14 Deepwater Ports

For more information about real estate in Daytona Beach area or Ormond Beach, Port Orange area of vacation homes, condominiums or homes on the beach, river or golf course go to:

http://www.beachhomesdaytona.com/

Speak to a loan officer. Ask questions!!!

MILES REYNOLDSCONTEMPORARY MORTGAGE SERVICES, INC PROFILE  Serving Volusia and Flagler Counties and all of Florida.  In business since 1985 with over 2 billion dollars in mortgages funded.  We offer Conventional, FHA, VA, USDA, FHA renovation loans and more.  We have multiple lenders that we can send a borrower’s loan to for loan approvals.  Rates competitive with banks. Zero point and zero origination fee loans available.  Free mortgage counseling, prequalification and preapprovals by phone or in person.
 MILES REYNOLDS, MORTGAGE LOAN OFFICER PROFILE  Has originated mortgages in this area since 1992 for Brokers and large banks.  Has originated and closed well over $100,000,000 in residential mortgages.  Specializes in FHA, Conventional and USDA Rural Housing Guaranteed loans.  Has done hundreds of Realtor seminars, presentations and office meetings.  Available evenings and weekends for applications or to answer mortgage questions. Please call me, Miles Reynolds, for all of your mortgage needs.
Cell: 386-290-6661 _                                  Office: 386-238-1511    
Email: miles@contemporarymortgage.com          
 A Licensed Mortgage Lender
CONTEMPORARY MORTGAGE SERVICES, INC. is a Proud Equal Housing Lender. Credit restrictions may apply. Programs and Rates are subject to change.

For more information of homes for sale at the beach, near the beach on the river or condominiums go to http://www.beachhomesdaytona.com/

Seven steps to take before you buy a home.

 

By: G. M. Filisko

Published 2010-02-10 11:24:53

By doing your homework before you buy, you follow these steps to ensure your home search is fun and productive.

Most potential homebuyers are a smidge daunted by the fact that they’re about to agree to a hefty mortgage that they’ll be paying for the next few decades. The best way to relieve that anxiety is to be confident you’re purchasing the best home at a price you can afford with the most favorable financing. These seven steps will help you make smart decisions about your biggest purchase.

1. Decide how much home you can afford

Generally, you can afford a home priced 2 to 3 times your gross income. Remember to consider costs every homeowner must cover: property taxes, insurance, maintenance, utilities, and community association fees, if applicable, as well as costs specific to your family, such as day care if you plan to have children.

2. Develop your home wish list

Be honest about which features you must have and which you’d like to have. Handicap accessibility for an aging parent or special needs child is a must. Granite countertops and stainless steel appliances are in the bonus category. Come up with your top-five must-haves and top-five wants to help you focus your search and make a logical, rather than emotional, choice when home shopping.

3. Select where you want to live

Make a list of your top-five community priorities, such as commute time, schools, and recreational facilities. Ask your REALTOR® to help you identify three to four target neighborhoods based on your priorities.

4. Start saving

Have you saved enough money to qualify for a mortgage and cover your downpayment? Ideally, you should have 20% of the purchase price set aside for a downpayment, but some lenders allow as little as 5% down. A small downpayment preserves your savings for emergencies.

However, the lower your downpayment, the higher the loan amount you’ll need to qualify for, and if you still qualify, the higher your monthly payment. Your downpayment size can also influence your interest rate and the type of loan you can get.

Finally, if your downpayment is less than 20%, you’ll be required to purchase private mortgage insurance. Depending on the size of your loan, PMI can add hundreds to your monthly payment. Check with your state and local government for mortgage and downpayment assistance programs for first-time buyers.

5. Ask about all the costs before you sign

A downpayment is just one homebuying cost. Your REALTOR® can tell you what other costs buyers commonly pay in your area—including home inspections, attorneys’ fees, and transfer fees of 2% to 7% of the home price. Tally up the extras you’ll also want to buy after you move-in, such as window coverings and patio furniture for your new yard.

6. Get your credit in order

A credit report details your borrowing history, including any late payments and bad debts, and typically includes a credit score. Lenders lean heavily on your credit report and credit score in determining whether, how much, and at what interest rate to lend for a home. Most require a minimum credit score of 620 for a home mortgage.

You’re entitled to free copies of your credit reports annually from the major credit bureaus: Equifax, Experian, and TransUnion. Order and then pore over them to ensure the information is accurate, and try to correct any errors before you buy. If your credit score isn’t up to snuff, the easiest ways to improve it are to pay every bill on time and pay down high credit card debt.

7. Get prequalified

Meet with a lender to get a prequalification letter that says how much house you’re qualified to buy. Start gathering the paperwork your lender says it needs. Most want to see W-2 forms verifying your employment and income, copies of pay stubs, and two to four months of banking statements.

If you’re self-employed, you’ll need your current profit and loss statement, a current balance sheet, and personal and business income tax returns for the previous two years.

Consider your financing options. The longer the loan, the smaller your monthly payment. Fixed-rate mortgages offer payment certainty; an adjustable-rate mortgage offers a lower monthly payment. However, an adjustable-rate mortgage may adjust dramatically. Be sure to calculate your affordability at both the lowest and highest possible ARM rate.

More from HouseLogic

Learn how Fannie Mae and Freddie Mac mortgages can help you save on financing

Learn more about the costs of homeownership

Other web resources

Homebuyer counseling resources
Get a free credit report from each of the three credit reporting bureaus
G.M. Filisko is an attorney and award-winning writer who has thrice survived the homebuying process. A frequent contributor to many national publications including Bankrate.com, REALTOR® Magazine, and the American Bar Association Journal, she specializes in real estate, business, personal finance, and legal topics

For more information of home for sale in the Greater Daytona Beach Area, homes near the beach, river front homes, condominiums or foreclosures go to http://www.beachhomesdaytona.com/

Now is the time to get that beach house!!!

Mortgage rates at an all time low.  FHA and VA just above 4% 

Only 3% down to purchase a beach house, golf course home, condominium or river front home for owner occupied homes.

For second home purchases only 10% down and you too can have a beach house, river front home, golf course home or condominium.

For more information of homes for sale, condominiums and foreclosures go to

http://www.beachhomesdaytona.com/

MLS 512694

MLS 512694

Very affordable vacation condo at the beach or live in year round.
Just across the street from major shopping.
Here is your chance to own your beach residence.

For more information of homes for sale near the beach or on the river
condominiums or foreclosures go to http://www.beachhomesdaytona.com

30 Year mortgage rates fall to all time low.

Rate on 30-year mortgage falls to lowest on record.

Mortgage Rate Trend Index

Almost half (47%) of industry experts polled by Bankrate.com this week expect no changes in mortgage rates over the short term. However, one third (33%) foresee an increase, while 20% predict further declines.

WASHINGTON – Aug. 19, 2011 – The average rate on a 30-year fixed mortgage has fallen to its lowest level on records dating to 1971.

The rate on the most popular mortgage dipped to 4.15 percent from 4.32 percent a week ago, Freddie Mac said Thursday. Its previous low of 4.17 percent was reached in November.

The last time long-term rates were lower was in the 1950s, when 30-year loans weren’t widely available. Most long-term home loans lasted 20 or 25 years.

For more information of homes for sale near the beach, on the river, golf course homes or foreclosures go to http://www.beachhomesdaytona.com/

MLS 512600

MLS 512600

Super affordable 2 Bdr/2Bas condo near the beach and major
shopping. Community pool and river dock.
Sold furnished.

For more information of homes for sale, condominiums, foreclosures
and land go to http://www.beachhomesdaytona.com

Miles of white sandy beach-explore Daytona Beach and more!

Daytona Beach best sandy beach.

Sources: Fl. Dept. of State; Visit Florida; US. Census Bureau; Bureau of Economic  Business Research (University of Florida); State of Florida.com

   1,000 People move to Florida each day

12 International Airports

1,200 Miles of Sand Beaches

1,250 Golf Courses

1,800 Miles of Coastline

14 Deepwater Ports

For more information about real estate in Daytona Beach area or Ormond Beach, Port Orange area of vacation homes, condominiums or homes on the beach, river or golf course go to:

http://www.beachhomesdaytona.com/

$5000.00 Grants for 1st time military buyers.

Active duty personnel, veterans, retired members of the military, and employees of the U.S. Department of Defense and the Department of Homeland Security are eligible to apply for up to $5000.00 in down payment and closing costs in the purchase of a first home.  The national nonprofit Pentagon Federal Credit Union Foundation is offering the assistance through its Dream Makers program and says the grants can be applied to a mortgage from any financial institution.  More info is atwww.pentagonfoundation.org then go to Dream Makers link.

For more information of homes for sale, foreclosures, beach homes, river front homes and condominiums go to http:///www.beachhomesdaytona.com

Only 3.5% down to purchase a home!!!

FHA, Federal Housing Administration was first created in 1934.
Borrowers who have a FICO score lower than 580 must put up a 10% downpayment to qualify.
Two year stable income, fewer than 30 days late payments on a credit report.
FHA limit amount varies depending on the market of the property being purchased.


For more information of homes for sale near the beach, oceanfront, riverfront or condimiums or foreclosures go to http://www.beachhomesdaytona.com

Get a cool tax credit with that new air conditioner or furnace.

Florida county green tax incentives

Some Florida cities and counties offer their own tax incentives for green building. For a reference list, visit the U.S. Department of Energy website.

WASHINGTON – Aug. 25, 2011 – There are few certainties in this world, but here’s one: When it’s hot enough to fry an egg and a serving of hash browns on the sidewalk, your air conditioner will shudder and die.

A new air conditioner could save your sanity and quite possibly your marriage, but a new heating and air conditioning system doesn’t come cheap. The good news: You may be able to get some of that money back when you file your tax return. The bad news? You would have been eligible for a much larger tax credit if you had replaced your HVAC last year.

In December, Congress extended tax credits for energy-efficient home improvements through 2011, but it also pared them back. The maximum tax credit you can claim for most energy-efficient home improvements in 2011 is $500, down from a maximum credit of $1,500 in 2009 and 2010. The law also caps the amount you can claim for specific projects.

For example, the maximum tax credit you can claim for an energy-efficient heating and cooling system is $300, says Helen O’Planick, an enrolled agent in Manchester, Pa. The maximum credit you can claim to replace your leaky windows is $200.

Still, a modest tax credit is better than none at all. Homeowners who are considering energy-efficient improvements should take advantage of it while it lasts, because there’s no guarantee the credit will be extended, O’Planick says.

If you’ve made your home more energy-efficient this year, or plan to do so in the near future, here’s what you need to know:

The $500 credit is a lifetime maximum. If you’ve claimed $500 or more for energy-saving home improvements since 2006 – the first year the credits became available – you’re out of luck.

The maximum applies to the taxpayer, not the property. For example, suppose you claimed $500 in energy-efficient improvements in 2007, then sold the house and bought a new one. You can’t claim the credit for any work done on your new house, because you’ve already hit your lifetime maximum, O’Planick says.

The credit is limited to your primary residence. A new heat pump may reduce the cost of heating your ski chalet, but you can’t claim a tax credit for it.

The contractor or manufacturer should be able to provide a statement certifying that the product or component qualifies for the tax credit. You don’t have to submit this with your tax return, but should keep it with your tax records, along with your receipt for the purchase.

In general, windows, insulation and other energy-efficient home improvements qualify for the credit as long as they have an Energy Star designation. Energy Star products must meet energy-efficiency guidelines established by the Department of Energy and the Environmental Protection Agency.

Not all Energy Star products qualify for the tax credit. O’Planick says she often hears from taxpayers who believe they’re eligible for a federal tax credit because they purchased a new Energy Star refrigerator or washer-dryer. These appliances may cut your energy bill, but they don’t qualify for the energy-efficient tax credit, O’Planick says. Ovens, ceiling fans, room air conditioners and light fixtures don’t qualify, either.

However, while such products are ineligible for the federal tax credit, they may qualify for a state rebate. Last year, three dozen states offered rebates to residents who purchased Energy Star appliances. Most of those programs have been closed, but a few states are still accepting applications. For more information, go to energysavers.gov.

Homeowners who plan more ambitious energy-efficiency improvements are eligible for a larger tax credit and have more time to claim it. You can claim a tax credit of up to 30 percent of the cost of geothermal heat pumps, solar-energy systems, wind-energy systems and fuel cells. There is no cap on this credit, and it’s available through 2016.

There’s still time to claim a credit for energy-efficient home improvements made in 2009 or 2010. If you failed to claim the credits for the year in which you made the improvements, you can amend your return, O’Planick says.

It’s worth the effort: Improvements made in those years are eligible for a maximum lifetime credit of $1,500. You can find more information about the tax credit and eligible home improvements at http://www.energystar.gov/.
For information of homes for sale near the beach, river front homes, golf course homes, condominiums or foreclosures go to http://www.beachhomesdaytona.com/

Housing affordability hovers near record level !!!

August 22, 2011 – Aug. 22, 2011 – Nationwide housing affordability during the second quarter of 2011 hovered for the 10th consecutive quarter near its highest level in the more than 20 years, according to National Association of Home Builders/Wells Fargo Housing Opportunity Index (HOI).

According to the HOI, families earning the national median income of $64,200 could afford 72.6 percent of all new and existing homes sold in the second quarter. The affordability measure dipped slightly from the record high of 74.6 percent set in the first quarter, but it remained above the 70 percent threshold initially achieved in the first quarter of 2009.

“At a time when homeownership is within reach of more households than it has been for more than two decades, and interest rates are at historically low levels, the sluggish economy and the extremely tight credit conditions confronting homebuyers and builders remain significant obstacles to many potential home sales,” says Bob Nielsen, chairman of the National Association of Home Builders (NAHB). “That said, however, some housing markets across the country have stabilized and are beginning to show signs of a budding recovery.”

Youngstown-Warren-Boardman, Ohio-Pa., was the most affordable major housing market in the country during the second quarter of the year. In Youngstown, 93.7 percent of all homes sold were affordable to households earning the area’s median family income of $54,900.

Also ranking near the top of the most affordable major metro housing markets were Syracuse, N.Y.; Indianapolis-Carmel, Ind.; Dayton, Ohio; and Lakeland-Winter Haven, Fla.

Among smaller housing markets, the most affordable was Kokomo, Ind., where 95.8 percent of homes sold during the second quarter of 2011 were affordable to families earning a median income of $59,100. Other smaller housing markets ranking near the top of the index included Wheeling, W.Va.-Ohio; Lansing-East Lansing, Mich.; Bay City, Mich.; and Sandusky, Ohio.

New York-White Plains-Wayne, N.Y.-N.J., led the nation as the least affordable major housing market during the second quarter of 2011. In New York, 25.2 percent of all homes sold during the quarter were affordable to those earning the area’s median income of $67,400. It marks the 13th consecutive quarter that the New York metropolitan division has held this position.

Other major metro areas near the bottom of the affordability index included San Francisco-San Mateo-Redwood City, Calif.; Santa Ana-Anaheim-Irvine, Calif.; Los Angeles-Long Beach-Glendale, Calif.; and Honolulu, respectively.

Ocean City, N.J., where 40.9 percent of the homes were affordable to families earning the median income of $70,100, was the least affordable of the smaller metro housing markets in the country during the second quarter. Other small metro areas ranking near the bottom included Laredo, Texas; Santa Cruz-Watsonville, Calif.; San Luis Obispo-Paso Robles, Calif.; and Santa Barbara-Santa Maria-Goleta, Calif.

© 2011 Florida Realtors®

For more information of homes for sale including foreclosures, condominiums or great deals go to
http://www.beachhomesdaytona.com/

 

Recycle old batteries...

For more information of homes for sale, condominiums, foreclosures or great deals go to
http://www.beachhomesdaytona.com/

MLS 512600

MLS 512600

Located in walking distance to beach and major shopping.
Fish for your dinner and take it up to your unit.
Sold furnished with a view to the river and pool.

For more information of homes for sale, condominiums and foreclosures
go to http://www.beachhomesdaytona.com

Should you own a home or rent?

"Despite the current housing downturn, Americans still see homeownership as a core value and a key building block of being in the middle class and creating strong jobs in their communities," said Celinda Lake, president of Lake Research Partners, which conducted the survey along with Public Opinion Strategies.

For more information of homes for sale near the beach, river front homes, golf course homes, condominiums or foreclosures go to http://www.beachhomesdaytona.com/

Mortgage rates fall again, 30-year near record low.

Mortgage rates fall again, 30-year near record low

Mortgage Rate Trend Index

Experts polled by Bankrate.com this week remain divided on the short-term fate of mortgage rates. An equal number (36%) expect a decrease or, at least, no change. The remaining 28% foresee an increase.

WASHINGTON – Aug. 12, 2011 – Fixed mortgage rates fell to at or near record lows. That’s good news for the few who can afford to buy a home or are able to refinance. But the rates have done little to lift the ailing housing market.

Freddie Mac said Thursday that the average rate for the 30-year fixed mortgage fell to 4.32 percent this week from 4.39 percent. The 30-year loan hit a record low of 4.17 percent in mid-November.

The average rate on a 15-year fixed mortgage, a popular refinancing option, fell to a record low of 3.50 percent, from last week’s record rate of 3.54 percent.

Mortgage rates tend to track the yield on the 10-year Treasury note. A weakening U.S. economy has led many investors to shift money from stocks to bonds, which are seen as safer bets. That has pushed Treasury yields to historic lows.

In theory, low mortgage rates should provide a boost to the troubled housing market. But so far they haven’t helped much.

Sales of previously occupied homes fell in June for a third straight month to a seasonally adjusted 4.77 million. The pace is lagging behind the 4.91 million homes sold last year – the fewest since 1997.

New-home sales also declined in June and are trailing last year’s sales, which were the worst on records dating back nearly half a century.

Many people can’t take advantage of the low mortgage rates. Banks are insisting on higher credit scores and larger down payments from applicants. Others have too little equity invested in their homes to qualify for loans.

To calculate average mortgage rates, Freddie Mac collects rates from lenders across the country on Monday through Wednesday of each week.

The average rate on a five-year adjustable-rate mortgage fell to 3.13 percent, its lowest level on records that go back to January 2005. Last week’s reading of 3.18 percent also was a record low.

The average rate for one-year adjustable-rate loans plunged to 2.89 percent from 3.02 percent last week. That’s a record low dating back to 1984.

The rates do not include extra fees known as points. One point is equal to 1 percent of the total loan amount.

The average fees for the 30-year and 15-year fixed loans was 0.7 point and the five-year and one-year adjustable-rate loans was 0.5 point.
Copyright 2011 The Associated Press, Derek Kravitz (AP Business Writer). All rights reserved. This material may not be published, broadcast, rewritten or redistributed
For more information of homes for sale on the river, vacation homes, homes near the beach, condominiums or foreclosures go to http://www.beachhomesdaytona.com

Live at the beach for only $99,000

MLS 512694

Very cute one bedroom condo at the beach.


For more information of homes for sale, foreclosures and condominiums
go to http://www.beachhomesdaytona.com

How to get help with down payment to buy a home.

The information is very please go to previous posting to read the six ways to get help.

For more information of homes for sale go to http://www.beachhomesdaytona.com/

Most home buyers’ biggest hurdle is coming up with the cash for a sensible down payment. Gone are the days of zero-down loans, so if that was your plan, you’re going to need a new one! Coming up with a down payment for a home is a challenge because it’s not chump change we're talking about, here. The down payment on a $200,000 house, for example, will run you anywhere from $7,000 (on an FHA loan) to $40,000!

That might seem like an insurmountable amount of coin to come up with, but it’s actually more doable than you might think. Some buyers will simply save up their own cash, even if it takes many, many moons. The good news is that if you still need some help to boost your down-payment savings, there are resources you can harness to power your home-buying pursuit.

1. The FHA Bridal Registry works like a traditional registry, but is more flexible. The registrants visit their choice of FHA mortgage lenders and set up what essentially is a custodial savings account for the sole purpose of funding their down payment. The couple’s (or individual’s) family and friends can either deposit funds directly into the account or give the cash or check to the couple or individual, who then deposits it into the account. The account’s flexibility also goes beyond that of traditional down payment gift rules that are applicable to FHA loans, which are detailed below in insider secret #2. With the FHA Bridal Registry Program, the only gift documentation required is “lender and borrower certification of the funds.”
2. Family gifts.  Most lenders will allow home buyers to apply gift money from family members toward their down payment - within guidelines, that is. First, the lender will require a letter from the giver verifying that it in fact is a gift and not a loan. (They generally frown upon it being a loan because it would add to the buyer’s debt and change their debt-to-income ratio.) And second, the person giving you the money must be a relative. The reasoning here is that a friend will most likely expect you to repay the money, whereas a relative won’t.
3. FHA loans will allow the gift to make up any portion or all of the buyer’s down payment, many conventional (non-FHA) loan programs will restrict the proportion of a buyer’s down payment that can come from gift money.  The lender may also have specific ways they want to see the money go into and out of your accounts. Before you accept a gift toward your down payment, be sure to check with your mortgage broker or loan rep to be sure that you’re dotting all the right i's and crossing all the right t's.Your Employer.  Some companies offer assistance programs to employees. Most are government, university, large company and financial industry employers. One example is safety workers: n some areas, safety workers like firefighters and police can have access to down payment grants from their employers if they buy properties in the city where they are on-call as first responders. Also, many large colleges and universities, very large companies and banks and lending institutions offer down payment help and have below-market-rate mortgages set up for faculty members and staffers.  Check with yFor more information of homes for sale of river front homes, ocean front homes, foreclosures, condominiums or cheap homes go to http://www.beachhomesdaytona.com/
4. City/County/State Programs.  Some states, counties and cities still offer programs that lend or give home buyers some assistance for down payments. These programs vary widely in scope - for instance, many target buyers with low and moderate incomes, while some seek to help the buyers of foreclosed or fixer-upper type homes. Some don’t have to repaid - meaning they are given as grants and are forgiven entirely if the buyer lives in the property for 30 years, but must be repaid if the buyer sells or rents the home out before the 30 years elapses. The programs pretty much all have some sort of homeowner education component that requires applicants to take personal finance and homeownership preparedness classes before they can receive funds. To learn more, visit your city, county and state websites to learn about programs that might be able to help you.
5. Your Human Resources department to see if any such program is available to you.
6. Your Retirement Funds.  Many financial advisors would advise against this, but if you have a 401K or Roth IRA account and some years to go before retirement, you might be able to tap into it or even borrow against your own funds for your down payment. Currently, you can take up to $10,000 out of your Traditional IRA with no penalty to put toward the purchase of your first home, but you will be taxed.  You can take as much as you want out of your Roth IRA contributions with no penalty or taxes, though, and as much as $10,000 from your earnings penalty-free for your down payment.  The rules get a little tricky, here, so definitely check in with your tax and financial advisors.
7. And while you can’t similarly draw from your 401K, many retirement and pension plans will allow you to borrow the money against your funds, then repay it to yourself – at interest. So the choice there comes down to paying your lender back with interest or paying yourself with interest. That choice should be you! But first, get some advice from your CPA or financial planner. This option might not make financial sense for your particular situation.

Why should you hire a realtor?

javascript:HandleLink('cpe_241203_0','CPNEWWIN:NewWindow^top=10,left=10,width=500,height=400,toolbar=1,location=1,directories=0,status=1,menubar=1,scrollbars=1,resizable=1@http://youtu.be/gfyB0kfzCLI');

Beach house for $85,000

http://www.dabmls.com/day/maildoc/sd_Ecut5Z20110808212313.html

Click on the link to view this affordable home near the core of downtown
beachside Daytona Beach and major attractions.

For more information of homes for sale near the ocean, river front homes, condominiums or foreclosures
or exceptional good deals go to http://www.beachhomesdaytona.com/

Sold furnished and near the beach.

MLS 512600

Here is your chance to own a unit totally redone located at the river
and near the beach, major shopping and restaurants.
Sold furnished.

For more information of homes for sale, condominiums or foreclosures
go to http://www.beachhomesdaytona.com