About Columbia County, PA

Looking to buy a home in Columbia County, Pennsylvania?

What areas of Columbia County are eligible for USDA Financing?

The USDA has zoned ALL of Columbia County as eligible for their USDA Rural Development Mortgage Program. All of the Bloomsburg and Berwick area is included in this USDA eligible zone.

USDA Eligible Areas in Columbia County include...

• Almedia
• Aristes
• Ashbury
• Bendertown
• Benton
• Berwick
• Bloomsburg
• Buckhorn
• Catawissa
• Central
• Cleveland
• Coles Creek
• Derrs
• Elk Grove
• Espy
• Eyers Grove
• Fairmount Springs
• Fernville
• Iola
• Jamison City
• Jerseytown
• Kulp
• Laubachs
• Light Street
• Lime Ridge
• Locust
• Mainville
• Mayberry
• Midvalley
• Mifflinville
• Mill Grove
• Millville
• Mordansville
• Newlin
• Numidia
• Orange
• Orangeville
• Parrs Mill
• Pealertown
• Pine Summit
• Queen City
• Raven Creek
• Red Rock
• Roaring Creek
• Rohrsburg
• Rupert
• Sereno
• Shumans
• Stillwater
• Talmar
• Waller
• Wilburton

What are the USDA Mortgage Income Limits for Columbia County?

Household Size: 1-4 Family Members 5 or more Family Members

Maximum Adjusted Income $74,050 $97,750

If at first glance, it appears your household income exceeds the above limits, it is worth checking the USDA Income Calculator on the USDA website (link below). The USDA allows for several deductions which may allow your Household Income to fit within their Maximum Adjusted Income Guidelines.

USDA Income Eligibility Worksheet

Ok, the Property is in a USDA Eligible Area and your Household Income is within the USDA Income Limits, now what?

Like all mortgages, USDA Mortgages do require an applicant to qualify based on recent credit history. USDA credit requirements are some of the most flexible of any mortgage program available. More detailed information about USDA Mortgage Credit Requirements can be found with the link below...

USDA Credit Requirements

For buyers looking to purchase a home in Columbia County Pennsylvania, the USDA Rural Development Mortgage is definitely worth a look. Feel free to contact me with any further questions about the program.

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Berwick, Pennsylvania

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

• 16 Years of Renovation Mortgage Finance
• Communication & Clarity on Process, Costs and Expectations
• Experience looking out for your best interests throughout the entire process
  
• We check your renovation numbers to ensure you are NOT being overcharged!
• Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Check Out our list of Satisfied Customers and what they have to say about Brent Kluge & Group.


The FHA 203K mortgage requires action early in the process to set the stage for proper transaction flow...


A phone call for a discussion about your project costs nothing... but you could save thousands.

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Bloomsburg, Pennsylvania

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

• 16 Years of Renovation Mortgage Finance
• Communication & Clarity on Process, Costs and Expectations
• Experience looking out for your best interests throughout the entire process
  
• We check your renovation numbers to ensure you are NOT being overcharged!
• Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Check Out our list of Satisfied Customers and what they have to say about Brent Kluge & Group.


The FHA 203K mortgage requires action early in the process to set the stage for proper transaction flow...


A phone call for a discussion about your project costs nothing... but you could save thousands.

Columbia PA House Buyers: The profit margins for those that invest in real properties these days is much lower than what it was just 5 or 10 years ago. In the heyday of the last decade, one who did a lot of buying, rehabbing, and flipping was making around 20% in profit on average per house.The profit margin today is closer to 10% which isn’t fantastic, but those in the business know that it will go up and down. While its low now, when the market recovers their profit will be better and they will know just that much more about their business.

Every transaction or deal is a learning experience and those that continue to work at it through the ups and downs are well versed in all aspects of the market and what is required to keep afloat. When the market returns they are in a position to better negotiate and maneuver as needed because they have developed techniques and formulas that work for them.

The teams that are formed can be invaluable resources, according to successful investors. One professional house flipper describes his team’s role in his business as incredibly useful. He uses a realtor to help him find good deals, a title company, a real estate attorney, and a contractor. In addition, he has someone that goes to auctions to place his bids while he is doing other things that need his attention. Using the same people to work with on every deal makes the business work like a well oiled machine.

Find a good team to work with and your job will be easier. You can put a team together even if you are just getting started. Talk to a few people in your area that specialize in the different aspects of a real estate investment deal. Since they are already experts in their specialties, use them to help you and you’ll drive business their way in the meantime, creating a good mutual business relationship.

Cash is king for now in the business. You’ll want to have reserves of cash that you can use to purchase properties when they come available. Have enough to do the necessary repairs and pay for anything the property might need. Remember that a house may be a great deal at just $35k when the market value is well over $60k, but if it needs extensive repairs you’ll need the money to do them.

CreativeRealEstateNow.com is a Real Estate Investor that buys houses and helps prevent foreclosure in the following counties of Pennsylvania: Northumberland | Union | Columbia | Montour | Juniata | Perry | Dauphin | Snyder | Mifflin | Centre | Lycoming. If you have a home that you need to sell, contact us to see how we can buy your house in 7 days or less and close when you want! We buy houses in Rural Pennsylvania!

HOME BUYER TAX CREDIT

EXTENDED AND EXPANDED

What are you waiting for?

The awesome opportunity for a first time home buyer to receive $8000 free money from Uncle Sam was due to expire later this month. On November 6th, the Worker, Homeownership, and Business Assistance Act of 2009 was passed which extends the first time home buyer tax credit for buyers entering into a binding contract by April 30, 2009 with settlement completed by June 30, 2009.

In addition, a new progam became effective immediately for move up or repeat home buyers. These buyers, who have lived in their primary residence for five consecutive years of the past eight years, may be eligible for a tax credit of $6500.

These tax credits are literally "free money" and are not required to be repaid as long as the buyer lives in the property for a minimum of 36 months (and there is also a military exception). The income limitations have been raised with this new and improved tax credit, and the sale price of the home purchased must be $800,000 or less.

There has NEVER been a better time to purchase a home! Interest rates are still at 30 year lows, there are a lot of properties to choose from, and housing affordability is at its highest level ever!

If you are interested in purchasing a new home in Bloomsburg, PA, or anywhere in Columbia, Montour, or lower Luzerne Counties in Pennsylvania, contact me for award winning quality service.

For explicit details about the extended and expanded tax credit, just click on the link below. It is also advisable to contact your tax advisor before entering into an agreement of sale to determine if you are eligible for the tax credit.

http://www.federalhousingtaxcredit.com/home.html