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Are you a homeowner who is behind on mortgage payments? VISIT THE FOLLOWING WEBSITE to find out if you are eligible for a Home Affordable Refinance or a Home Affordable Modification:

>>>> www.MakingHomeAffordable.gov <<<<

WHAT YOU NEED TO KNOW ABOUT THE $8,000 FIRST-TIME HOME BUYER TAX CREDIT:

1. This credit is equivalent to 10 percent of the purchase price of the home--although it's capped at $8,000--and applies only to first-time home buyers and primary residences. But unlike an earlier $7,500 home buyer tax credit, this one does NOT have to be repaid.

2. The definition of first-time buyers: For the purpose of this legislation, a "first-time home buyer" is someone who hasn't owned a principal residence for three years before buying a house.

3. 2009 buyers only: Only those who purchase a home on or after January 1 and before December 1, 2009 are eligible for the credit.

4. Income limits: The tax credit is subject to income limitations. Single buyers need a modified adjusted gross income of $75,000 or less to qualify for the full credit, that's $150,000 for married couples. Those earning more than these thresholds may be eligible for reduced credits.

5. Refundable: Because the tax credit is "refundable," qualified buyers can take advantage of it even if they don't have much tax liability.

6. Recapture: Buyers have to own the home for at least three years in order to capitalize on the credit. If they sell the home before then, they will have to return the credit to the government. (Exceptions will be made in certain cases, such as death or divorce.)

CALL TODAY IF YOU HAVE QUESTIONS! (952) 417-8484

Thank you for taking the time to visit my website! My name is Sam Giannakakis, and I am truly passionate about my profession. The result is that nearly 100% of my business is by referral from satisfied clients, trusted financial advisors and the most experienced realtors in the Twin Cities. My mission is to carefully guide clients through the entire home loan process so they feel confident as they choose from the many options available for their financing strategy. With many years and a wide range of experience in the mortgage industry, my team and I stand ready to assist you each and every step of the way.

I understand that it's not just a house, it's your home. A home is one of the largest financial commitments a person will make during their life, and many people view their home financing as just another monthly payment. I can help my clients realize their home is truly a valuable financial tool, and will help them achieve the dreams and plans they envision for their future.

Most people only think about home financing a few times during their lives -- I think about it every single day. It's their home and their future. It's my profession and my passion. I am ready to work for your best interest. Call me or email me today and let me start working for you.

Direct line: (952) 417-8484
Cell: (612) 816-1511
Email: sam@loanonahome.com

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