• The $8,000 tax credit is available for first-time home buyers only. • The law defines a first-time home buyer as a buyer who has not owned a home during the past three years. If you\'ve owned an investment property that was not your principle residence, you may still be eligible. • All U.S. citizens who file taxes are eligible to participate in the program.

5. Three Factors 3. NEW Federal Tax Credit! This program, worth up to $8,000 for first-time buyers, is part of the American Recovery and Reinvestment Act of 2009, signed into law in February and only available until Nov. 30, 2009.

8. Mortgage Reality Monthly Mortgage Payments on a 30 year conventional $100,000 Loan: Rate: 5.50% Payment: $568.00 Rate: 5.00% Payment: $537.00 Rate: 4.50% Payment: $507.00 Monthly Mortgage Payments on a 30 year convention $200,000 Loan: Rate: 5.50% Payment: $1,135.58 Rate: 5.00% Payment: $1,073.64 Rate: 4.50% Payment: $1,013.37

9. Mortgage Reality Mortgage Lending has changed. In order to take advantage of these low rates you must have EXCELLENT credit! Your score should be 700 or better to get these great rates. We can help you learn your FICO score and show you how to improve it.

17. Tax Credit Payback Provisions The tax credit is forgivable, meaning that if you remain in the qualifying property for three years, you do not have to pay back the tax credit .

21. About Your REALTOR® Valery Smallwood-REALTOR® Associate Broker Residential-Business & Commercial Certified www.metrobrokers.com/valery.smallwood Metrobrokers GMAC Real Estate 404-843-2500 (Office) 770-913-3577 (Direct) First-time Home Buyer Specialist

23. Metro Title Trust, well known in the legal community for honesty and integrity, specializes in residential and commercial real estate closings.

25. Thank You! Questions about this Once In A Lifetime Opportunity? Ask us!