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For first time home buyers now is the time to act. With the government offering an $8000 tax credit on homes purchased by April 30th, 2010 and with the historically low interest rates available today, this is an opportunity not to be missed!

First of all there is the tax credit. It goes like this, buy a home by April 30th, file your tax return and get cash back from the government. This is a true credit and not just a nice deduction. Of course there are some limitations based on your income level, etc. You should definitely consult a tax professional regarding your own personal situation.

Second, we have the low interest rates. As of today they are hovering around 5.00% for a 30 year fixed rate mortgage. These are terrific rates that will not last! Why won’t they last? Because the government’s intervention in the mortgage markets which forced rates to drop dramatically is slated to end on March 30th, 2010. When this stops, rates go up. Some experts predict that rates will be over 6.00% by year’s end. Don’t miss out!

In addition to both of these great factors, home prices and selection are also terrific. With housing prices having fallen and the available supply of homes for sale still very, very good, this would be a great time to buy even without the tax credit and low interest rates.

So we have:

$8000. tax credit + low interest rates + low home prices + great selection of homes = FANTASTIC OPPORTUNITY!

Get more information on buying your first home by visiting my website . Available there, are three e-Books packed with information on buying your first home and they are completely free and there is no obligation.

Thinking of buying a home in West Chester, Beckett Ridge or Liberty Township, Fairfield Township, Monroe or Mason Ohio?

Search the entire MLS here!

Visit My YouTube channel at: www.youtube.com/LowryTeam

Check Out My Feature Homes For Sale In West Chester, Fairfield and Liberty Township, Ohio

West Chester OH Real Estate: New Listing 7983 Seabury Court

January 26, 2010 by Eric Lowry Leave a Comment

New Listing On LowryTeam.com…

7983 Seabury Court, West Chester, Ohio 45069

West Chester, Ohio 45069

Lakota Schools

$219,900 – Four Bedrooms – Two Full & One Half Baths

This Is A Terrific Two Story Home In Villages Of Providence Subdivision:

Perfect For The First Time Homebuyer!
Warm, Inviting Family Room w/ Hardwood Floors & Gas Fireplace
Rear Staircase – Newer Carpet
Bright, Open Kitchen Includes Smooth Top Range & Microwave
Formal Dining Room
Master Bedroom w/ Adjoining Garden Bath
All Bedrooms Are Spacious In Size And Have Ceiling Fans
Second Floor Laundry
Large, Flat Fenced Rear Yard
Located On A Cul-de-Sac Street
Close To Schools, Shopping & Expressways

Thinking of buying a home in West Chester, Beckett Ridge or Liberty Township, Fairfield Township, Monroe or Mason Ohio?

Search the entire MLS here!

Wondering what your home is worth in today’s real estate market? Request a market analysis here!

Visit My YouTube channel at: www.youtube.com/LowryTeam

Check Out My Feature Homes For Sale In West Chester, Fairfield and Liberty Township, Ohio

West Chester OH Real Estate: The Tax Credit is Also For Those Who Wish to Downsize

January 24, 2010 by Eric Lowry Leave a Comment

West Chester Ohio Homes For Sale — The tax credit is not just for those buying a bigger home, it also works for those wanting to downsize

When the First Time Home Buyer Tax credit was extended and expanded most people thought the expansion was only for home owners who wanted to move up, those who wished to buy a bigger, more expensive home. In fact, the expansion simply includes those who have owned a primary residence and lived in it for at least five consecutive years out of the last eight years. If current home owners want to downsize they can use the tax credit toward their new home, regardless of whether it costs less or is smaller than the home that they are selling.

It is an anomaly that everyone assumes the tax credit is only for purchasing bigger and better. Many people, especially those whose children have grown and left the nest, want to downsize. After-all, who doesn’t want to make life simpler these days?

If you have been considering selling your home and moving into a smaller space, consider doing so before the tax credit expires. Place your new home under contract by April 30th and close by June 30th and you could have a few extra dollars in your pocket.

Learn more about both of the homebuyer tax credits here!

Thinking of buying a home in West Chester, Beckett Ridge or Liberty Township, Fairfield Township, Monroe or Mason Ohio?

Search the entire MLS here!

Wondering what your home is worth in today’s real estate market? Request a market analysis here!

Visit My YouTube channel at: www.youtube.com/LowryTeam

Check Out My Feature Homes For Sale In West Chester, Fairfield and Liberty Township, Ohio

West Chester OH Real Estate: Get a Mortgage Before Searching For A Home

December 28, 2009 by Eric Lowry Leave a Comment

The first step in buying a home should be getting a mortgage. Getting a mortgage, or rather getting approved for a mortgage, lets you know what you can expect in the way of a monthly payment before you begin to look at homes.

Interest rates can have a big impact on what your monthly payment ultimately ends up being and rates have been inching upward in the last few weeks. Now is the time to take advantage of both these historically low interest rates as well as the tax credits now being made available to both first time homebuyers and move up buyers.

There are any places to look for a mortgage these days. There are banks, mortgage brokers, finance companies, credit unions and private lenders. Often experienced Realtors have mortgage brokers or banks that they work with often and using a lender that has a good reputation is often a safe bet.

When looking for a mortgage you should have a good idea how much you can afford to pay each month. Look into the past, present and future to determine this. It is of the utmost importance not to bite off more than you can chew when it comes to your finances and the affordability of a home that you might buy.

When applying for a loan you will need to provide documentation of income, monthly expenses, and assets. Have your financial statements and tax returns ready and the process will be much easier.

Having a mortgage ready to go before finding a property will make the entire process smoother. Financing is harder to get these days and being prepared is a wise step in the home buying process.

Looking for a referral to a good lender with good interest rates and reasonable closing costs? Call me or email me and I will get you in touch with a lender that will take great care in getting your financing lined up for you.

Thinking of buying a home in West Chester, Beckett Ridge or Liberty Township, Fairfield Township, Monroe or Mason Ohio?

Search the entire MLS here!

Wondering what your home is worth in today’s real estate market? Request a market analysis here!

Visit My YouTube channel at: www.youtube.com/LowryTeam

Check Out My Feature Homes For Sale In West Chester, Fairfield and Liberty Township, Ohio

West Chester & Liberty Township OH Real Estate: Real Estate Market Snapshot

December 20, 2009 by Eric Lowry Leave a Comment

What is a Market Snapshot? A Market Snapshot is a detailed real estate market report providing you with information on homes for sale and recent home sales in the West Chester, Liberty Township, Beckett Ridge, Fairfield Township, Monroe or Mason Ohio home.

Detailed information on each home is included on an interactive map as well as statistical data, all of which comes directly from the Greater Cincinnati Multiple Listing Service (MLS).

Thinking of buying a home in West Chester, Beckett Ridge or Liberty Township, Fairfield Township, Monroe or Mason Ohio?

Search the entire MLS here!

Wondering what your home is worth in today’s real estate market? Request a market analysis here!

Visit My YouTube channel at: www.youtube.com/LowryTeam

Check Out My Feature Homes For Sale In West Chester, Fairfield and Liberty Township, Ohio