Find out from the teachers Union-call them and see if and what they offer- They may have attorney's, title searches, much cheaper then if you got someone on your own. Every little bit helps. Also 1st time home buyers $8,000.00 credit can now be used for part of your downpayment instead of waiting to do your income tax next year. Terry K cell # 718-614-3167

unfortunately the Good Neighbor Next Door Program is basically non-existant. My office sold over 200 properties the the program from inception and I get calls daily from potential participants.

FHA should be very good for you right now, along with the federal tax credit if you buy relatively shortly. There was talk of an increase, still possible as you never know what is going to change. Speak to a reputable FHA Lender and get pre-approved for a loan. It will put you in the price ball park and you can begin looking. You can structure offers based on the sellers crediting you up to 5% back allocated to your closing costs. You might want to consider utilizing the services of a Certified Buyers Representative, CBR Designate, to assist you with your sale. If you have any questions, please feel free to contact me at your convenience.

Very truly yours,

Douglas Montgomery, Broker/Owner
HomeNY Corp. Douglas@HomeNY.com