Special Programs and INFO for Buyers

* Several of these programs have gone through quite a few changes... they are being mentioned because their changes have caused several "waves" to occur in the community and have forced changes to the whole lending situation....   Now there are at present, "newer lending rules" being forwarded, however, the overall lending situation seems indicate that:  "credit guidelines will be tighter" than in the past!  

Think you need lots of cash and high credit scores to buy a home?   Not necessarily!

This is THE time to purchase a home of your own!  (The interest rates are still LOW!)

FACT: Over the past few years, we've seen interest rates hit their lowest point in over forty years!  They're still relatively low, however you never know when they're going to go up!         NOW is the time to purchase your home, BEFORE rates get high again! 

Although the economy and housing market for the country, as a whole, has taken a beating, the market in the Austin area is very different!  Several recent article(s) by Forbes, and othes, have  Austin, and Texas,  as having the best job and housing markets in the country.  Also Growth Projections (by Moody's www.Economy.com) for Austin's GMP, or Gross Metropolitan Product (a measure of an area's economic vibrancy), between 2007 and 2012 are estimated to be 32%, while Austin's population growth is estimated to be nearly 15% !   More population means more demand for housing--and, according to the law of supply and demand--this leads to increased home prices in the future.   And the local RENTAL market has gone Haywire! ! !  (Renting in the Austin area has gotten very difficult, re: prices, and availability! )    TOP

At present, there are still good deals to be had on many homes!  The best buys can be found in areas that have yet to go through a large price jump.  If you're planning to stay in the Austin area for at least three to five years, the odds are that you can "catch the wave" (coming upswing), and profit by it.  With a stable & growing local economy, even areas considered "far out" just a few years ago, should appreciation!  NOW is definitely the time to make your purchase, before prices escalate in the "outer" areas and escalate further in the closer-in neighborhoods! 

BUT WHAT IF YOU DON'T HAVE A DOWN PAYMENT SAVED? 

The Quigley Team may be able to register buyer clients for a special loan programs which currently requires:  (subject to change!)

• NO down payment!
• NO closing costs!
• NO mortgage insurance!    
• AND.....Good credit scores are NOT required! 

It may sound too good to be true--but it IS true!  Call us for details!                                                   TOP

Interested in a brand new home? 

The Quigley Team has successfully negotiated with area builders to gain incentives for buyers.  The special loan program listed above allows gift funds (from sellers, builders, the buyer's family members or others) to be used to buy down the interest rate on your loan--all the way to zero percent, if you have enough funds. 

We can negotiate a good deal for you on a brand new home, as well as on a resale home! 

Why not talk with us to see if you qualify for this special program?  All you have to lose is an hour or so of your time--and you may find out that you CAN buy a home of your own, NOW!

- STOP paying your landlord's mortgage and

    -    START reaping the benefits of home ownership! 

Home prices--and rents--are going up!  Don't wait--call TODAY! 

The Quigley Team is dedicated to helping YOU realize the American Dream of home ownership.  Call us today for a FREE consultation! 

 NO obligation--NO kidding!

                            Just good old-fashioned HELP,  in making a good deal for you!                   TOP