The Pennsylvania Housing Finance Agency (PHFA) - state program for 1st time buyers with income limits plus a recently added program called "K-Gov" which does not have the income limit requirement and allows your FHA 1st time buyer to get an advance on the tax credit to use towards down payment and closing costs (up to $5000 for an existing home and up to $6000 for a new home). Rates are a little higher than market; but the big advantage is being able to use some of the tax credit towards down payment. www.phfa.org
The Rural Development Program through the USDA - 100% financing for properties in specific geographic areas for buyers who meet the income restrictions. In Chester County, it's generally west and north of Coatesville and Kennett Square on south. There is no 1st time buyer requirement; however, we must prove that the buyer does not currently own adequate housing. There is no monthly mortgage insurance premium, just a 2% guarantee fee which can be financed in the loan. Seller can pay all closing costs. All certs are required -- septic, well and termite. No in-ground pools are allowed. This site will allow you or your buyer to plug in an address to see if it's eligible for the program and also determine income eligibility. http://eligibility.sc.egov.usda.gov/eligibility/eligibilityAction.do?pageAction=countyMap&st=42&state=pa&cnty=029
The Housing Partnership of Chester County - homebuyer assistance program throught the county offers up to $10,000 as a 2nd lien on the property with no monthly payments. Requires homebuyer education to participate and is pretty restrictive with income limits, but is a great program for those who are eligible. http://www.housingpartnershipcc.com/. In Delaware County, this same program is provided through the Media Fellowship House. http://www.mediafellowshiphouse.org/
The Federal Housing Tax Credit - Here is a link to information on the tax credit with a really helpful "frequently asked questions" section. http://www.federalhousingtaxcredit.com/2009/home.html
Veterans Administration Housing Program (VA) - Seeing a lot more demand for VA financing. It is 100% financing with no monthly mortgage insurance, just a guarantee fee that can be financed in the loan -- usually 3% but is waived for vets with va-related disability. Veterans can determine their eligibility at this link. http://www.homeloans.va.gov/

12th Annual Kennett Brewfest
Saturday, October 10th S.
Broad St., Kennett Square
Yes, fall does seem far away, but the famous Kennett Brewfest will be here before you know it.
Tickets for this outdoor party go fast and can't be purchased at the door.
Join fellow brew-lovers for another beer tasting extravaganza with live music and good company. Sample beers from over 40 regional microbreweries. The Connoisseur Tasting will run from noon until 1:30 p.m. and the Regular Fest hours are from 2-6 p.m. Tickets for the Connoisseur Tasting are $60 and Regular Brewfest tickets are $35. All proceeds from the Brewfest benefit Historic Kennett Square and its mission to make Kennett Square a social, cultural and economic center. For more information or to order tickets, visit Kennett Brewfest
Newcomers Club of the Upper Main Line to meet Wednesday, Aug. 5th
The Newcomers Club of the Upper Main Line will host a monthly Meet-N-Greet Coffee for all new and prospective members at The Gryphon Café in downtown Wayne.
No RSVP is required.
This casual get-together provides an opportunity to learn about the Club's many activities as well as ask any questions. Go to http://www.ncuml.org/ for more information.
Members come from numerous towns along the "Main Line" near Philadelphia including Wayne, Radnor, Paoli, Bryn Mawr, Berwyn, Malvern, Devon, Villanova, Phoenixville, Newtown Square and surrounding areas.
Newcomers Club of West Chester
Welcome Coffee Wednesday, Aug. 19th 7:00pm
all those who are interested in new activities or those who are new to the Chester County areaare invited to an informal gathering of our club. Meet members of all ages and learn about our luncheons, socials and community involvements. Our special interest activities include book clubs, several different card playing groups and others.
For directions and more information call 610-363-3914 or visit our web site CLICK HERE

Tour Berwyn "From Trails to Rails"
Thursday, August 13th at 6 pm
Easttown Library
As part of the Town Tours and Village Walks series hosted by the Chester County Parks and Recreation Department, the Berwyn-Devon Business and Professional Association will present "Village of Berwyn from Trails to Rails."
Participants should meet at Easttown Library for an informative walk through Berwyn. Classic cars may be viewed on the walk around the village.
Registration is requested for this program. For more information, call Easttown Library at (610) 644-0138. On the Web: CLICK HERE
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