Amanda Cline

The opportunity of a lifetime is at hand - right now.

Plenty of homes are available at affordable prices.

Tax Credit Basics

• You are considered a first-time buyer if neither you nor your spouse has owned a principal residence in the U.S. within the last three years.

• You must close on your home purchase no later than Nov. 30, 2009.

• There is no minimum income for claiming the credit. If you don't owe any taxes, you can receive it in cash.

• You can claim the credit when you file your 2009 tax return - or, if you'd rather not wait, file an amended 2008 return and receive the money upon purchasing your home. There are also programs that will advance the money to help on your down payment.

• If you co-sign a mortgage to help your child buy his or her first home, your eligibility does not affect your child's ability to qualify for the credit.

I can't provide every detail of the program here - and I'm not qualified to give you tax advice - but I can help you make sense of the regulations.

Don't wait. Give me a call and I can help you decide whether now is the time for you to become a homeowner. And if the time is right, I'd be honored to represent you as you seek out your dream home.

There May NEVER Be a Better Time

To Become a Homeowner!

© 2009 RE/MAX International. Each RE/MAX office is independently owned and operated. This is informational only and should not be construed as legal or tax advice. Be sure to consult with a tax professional. Based on information available in May 2009. Accuracy is deemed reliable but not guaranteed. 090492

The tax credit is available for first-time home buyers who purchase a home before Dec. 1. You can claim the credit on your 2008 or 2009 tax return. However, you can't claim the credit until after you've purchased your home. Home buyers who want to claim the credit on their 2008 tax return have these options:

File for an extension or

File now and amend later (which is the best thing to do if you were counting on a big return to help with your downpayment or closing costs)

Talk with your accountant or CPA and see if you are personally eligilble to benefit from this great tax credit! Call "The AC/DC Team" today to start looking for your dream home! We can show any house no matter who has it listed. Where do you want to be? Wherever it is...We'll be there!

www.acdcteam.com

acdcreteam@yahoo.com

Amanda Cline 704-308-1783

Donald Crump 704-472-0879

In the time it takes to read this, RE/MAX Associates will help Children's Miracle Network provide:

3 heart surgeries

4 cancer treatments

23 children with emergency care

Countless hugs and smiles

Visit remax.com

It only takes a minute

Active, caring citizenship fulfills pressing needs in today's communities. The melding of innovative qualities of good citizenship is at the heart of the partnership between RE/MAX and Children's Miracle Network. Increasingly, consumers can see doing business with RE/MAX as a way to improve their communities.

RE/MAX Crossroads is a Miracle Office! A portion of all our commissions earned are donated to helping Children's Miracle Network provide care for many children. You can feel good about doing business with RE/MAX!

Let Lincolnton's Most Experienced Real Estate Team work for you! We are #1 at listing homes for sale in Lincoln County NC. With RE/MAX behind us, your listing will have maximum exposure in our branded advertisements. If you are in the market to purchase a new home, give us a call! We pride ourselves in making the homebuying process as easy and painless as possible. Where do you want to be? Wherever it is, We'll be there!

Let us work for you!! A crucial step in starting your search for a new home is having a clear idea of your financial situation. By getting a handle on your income, expenses and debts, you'll have a much better idea of what you can afford and how Some sellers may agree to pay all or most of your closing costs (for example, if you agree to meet their full asking price). Call us for more advice!

Amanda Cline & Donald Crump

704-472-0879 (Cellular) 704-308-1783 (Cellular)

amanda.cline@remax.net

acdcreteam@yahoo.com

"The AC/DC Team" @ RE/MAX Crossroads

There are many special loan programs designed to help first-time homebuyers. Loans may be available at reduced interest rates, or with little or no down payments.

Understanding how much you can afford is one of the most important rules of home buying. Depending on your individual situation, your budget can affect everything from the neighborhoods where you look, to the size of the house, and even what type of financing you choose. Give us a call today and we can help make your homebuying process easy as 1-2-3. Our main goal is to provide quality service, so let us do the work for you!

Before you visit the bank, be able to provide copies of these important documents:

Paycheck Stubs & Bank Statements

Tax Records

Dividends & Investments

Alimony/Child Support

Credit Report

What factors are important to lenders?

Your credit history & Your gross monthly income

The amount of your outstanding debts

Your savings--or the amount of money you have available for a down payment and closing costs

Your choice of mortgage (i.e. 30-year, FHA, etc.) & Current interest rates

Let Lincolnton's most successful real estate team work for you!

We are the experts in making homebuying easy!

Where do you want to be? Wherever it is, we'll be there for you.

Experience the Best!

"The AC/DC Team" is Lincolnton's most successful real estate team! Give us a call today!

Amanda Cline 704-308-1783

Donald Crump 704-472-0879

"The AC/DC Team"

RE/MAX Crossroads

"The AC/DC Team" 704-472-0879 or 704-308-1783