raleigh: Money Saving Tips - Put More Money in Your Pocket for 2009 - 01/14/09 10:24 AM
Pack your lunch - save at least $1700 a year! Carpool Always shop around - Compare prices for major purchases Increse your tax exemptions at work Winterize your home - save at least $500 a year! Turn your thermostat down 2 degrees Plan your meals - eat out less Purchase all-inclusive vacation packages Increase your homeowners and auto insurance deductions Make a grocery list - stick to it! Request a discount from your insurance carrier for combining auto and homeowner policies … (0 comments)

raleigh: More Home Buyer Incentives on the Way for 2009 - 01/14/09 08:59 AM
Feds will concentrate on keeping interest rates low. More government backed loan products will be available FHA Higher loan limits $7500 First Time Home Buyer Tax Credit Increased VA loan limits Seller Funded Down payment Assistance Programs  
 
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raleigh: First Time Home Buyer Assistance - 01/14/09 08:21 AM
Income does not have to keep you from buying a home.  NC Finance Agency offers many programs to get you on the way to home ownership. 
20,000 grant up to 7,000 down payment assistance North Carolina Finance Agency
http://www.nchfa.com/Homebuyers/index.aspx
NACA's Best in America Mortgage Offers:
 no down payment  no closing costs purchase without perfect credit  interest rate: 4.625% (Fixed 30 Year) Everyone gets the same terms http://www.NACA.com
 
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raleigh: How to Purchase a HUD Home - 12/28/08 08:41 PM
A HUD home is a residential property owned by HUD due to a foreclosure of a FHA-insured mortgage.  Almost anyone can purchase a HUD home.  They are initially offered to purchasers who are buying the home as their primary residence.  If properties remain unsold for a period of time called the (priority period) it becomes available to all buyers which include investors.
HUD homes can be very good opportunities for first-time home buyers and investors as they are sold below market rates in most cases.  It allows a first-time home buyer to purchase a home at a reduced rate and usually receive repair … (0 comments)

raleigh: Look Out Investiors - Are you Considering These Important Issues? - 12/28/08 08:12 PM
1.     Failure to Determine Your Time Need- Cash flow, capital appreciation, tax benefits, loss of management, equity pay-down and pride of ownership are just some of the things that need to be addressed before you make that investment.  A service-minded real estate professional can be a tremendous asset by taking the time to evaluate your needs and making sure you've got all your bases covered.
 
2.    Not Checking out the Seller or Seller's Agent's Numbers- Claims of extremely high rates of return run rampant in real estate investment.  Don't get caught up in the excitement - check everything: rents, payment … (0 comments)

raleigh: 10 Common Oversights First Time Home Buyers Make - 12/28/08 08:03 PM
1.  Inspect, Inspect and Inspect- Go over the inspection report with a fine tooth comb.  Make sure the report was done by a professional organization.  For condo purchases, go over the by-laws, and association fees.  Don't take anything for granted... inspect everything!

7.    Do a Final Walk-Through- Visit the property after all the furnishings have been moved out to be sure there are no surprises.  Be absolutely positive the property was left exactly as you had agreed upon in the contract.  Many times, things are unintentionally overlooked that could have been spotted in a final walk-through.
 
8.    Plan For … (0 comments)

raleigh: Selecting the Right Home and Neighborhood - 12/18/08 10:29 PM
Visit the neighborhood regularly at different times of the day on weekends as well as week nights.
Check for indications of growth in the area:  Will the appreciation rate keep up with your goals for building equity?  How is new home construction handled?  Has the builder implemented a plan to be un-intrusive to current home owners?
Selecting the right floor plan
Make sure your plan accommodates your lifestyle.  Do you have enough bathrooms?  There should be at least 2.5 baths for a three bedroom home.
Look for flex space or multi-purpose rooms.  You can never have too much storage.
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raleigh: Relocating to the Triangle Area? - 12/18/08 09:49 PM
You have made a great decision.  It's a wonderful place to own a business, have a career, live and raise a family.  Wake County has been consistently ranked as one of the best places for all of the above. 
There are many high-tech career opportunities with companies such as SAS, IBM, Red Hat, GSK, Cisco, Nortel, and Xerox.  There are many resources available for entrepreneur endeavors.  Help is available for starting a business plan, how to incorporate, free counseling, resources for financial assistance, and government contracting programs.  http://www.sba.gov
There are a variety of neighborhoods in which to live.  Raleigh and Cary … (1 comments)

 

Pamela Lockley

Raleigh, NC

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Home Resource Center, Inc.

Office: (919) 523-1769

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