R.J. Elsbree

USDA Rural Development

Did you know that all of Flagler County is classified as rural development?

Why Choose a Rural Development Guarantee Loan?

1. 100% financing: No Down Payment
2. No private mortgage insurance
3. 30 year Fix interest rate
4. Flexible credit guidelines
5. Flexible qualifying guidelines
6. No maximum purchase price
7. Closing costs, legal fees, and other eligible costs may be rolled into the loan
8. Any residential dwelling is available for this loan in Flagler County Map and USDA loan info. link below

Will I qualify for 100% Guaranteed financing?

1. Have a steady and dependable income
2. Demonstrate a reliable credit history; the ability and willingness to repay debts when they are due
3. Be a U.S. citizen, or be legally admitted to the United States for permanent residence
4. Meet Rural Development's "Adjusted" income limits for the county in which they are purchasing
5. Qualify within the flexible guidelines offered by Rural Development for housing and debt loads
6. Purchase a New Construction or Existing Dwelling located in an eligible rural community

What are Rural Development's income limits?

Rural Development income limits are based on the number of members residing within the household. Rural Development allows deductions for children, childcare, and other eligible expenses. By allowing lenders to "adjust" the annual income, more individuals and families can qualify for 100% Guaranteed financing. Ask your lender for more information.

Adjusted income limits for all counties Except: Collier County and Palm Beach County which have considerably higher limits. See the web:

http://eligibility.sc.egov.usda.gov, click income limits

# in house hold "Adjusted"Income Limit

1 $48,000

2 $54,850

3 $61,700

4 $68,550

5 $74,050

6 $79,000

7 $85,000

8 $90,500

* add 8% of a 4 person limit for each person in excess of 8 persons

Where can I find more information?

www.rurdev.usda.gov/fl This website provides more information on 100% Rural Development financing and property eligibility.

http://eligibility.sc.egov.usda.gov For maps and income calculator

Plus if you close on a dwelling before November you can receive $8,000 tax credit that you won't have to pay back.

WOW 100% Financing Plus $8,000 What would you do with your money?

http://www.floridarealtors.org/AboutFar/homebuyercenter/index.cfm Home Buyers Tax Credit information

So now you have 100% financing and know that you could receive $8,000 tax credit (that you don't have to pay back) but what will you buy? You want a good deal but you just don't know there are so many questions about home ownership and the market. Well start by visiting www.FlaglerBeachCoastalLiving.com Then give me a call and we will sit down and I will answer all of your real estate questions.

(Incredible Home Deals) FlaglerBeachCoastalLiving.Com

As a longtime resident and investor of Flagler County with several years of Real Estate under his belt R.J. can put his experience and insider knowledge to work finding that special piece of land or dream home in your neighborhood of choice. By using the latest internet marketing tools along with tools that have worked in past markets, R.J. can expose your property to the widest possible range of qualified buyers. While selling and buying real estate takes up most of his time, R.J. enjoys playing football, baseball, surfing, spending time with family, traveling and riding his motorcycle through the peaceful, relaxing scenic roads of Flagler County.

(Incredible Home Deals) http://www.flaglerbeachcoastalliving.com/

(Incredible Home Deals) FlaglerBeachCoastalLiving.Com

As a longtime resident and investor of Flagler County with several years of Real Estate under his belt R.J. can put his experience and insider knowledge to work finding that special piece of land or dream home in your neighborhood of choice. By using the latest Internet marketing tools along with tools that have worked in past markets, R.J. can expose your property to the widest possible range of qualified buyers. While selling and buying real estate takes up most of his time, R.J. enjoys playing football, baseball, surfing, spending time with family, traveling and riding his motorcycle through the peaceful, relaxing scenic roads of Flagler County.

(Incredible Home Deals) http://www.flaglerbeachcoastalliving.com

Real Estate Palm Coast Homes For Sale - Palm Coast Market Report.

Real Estate in Palm Coast Florida has changed so much. There are many homes for sale in Palm Coast, and prices have never been better! There are currently 2094 Homes For Sale in Palm Coast. Home Buyers in Palm Coast are finding some of the best Homes For Sale in all of Central Florida, at prices as much as 25% or more below one or two years ago. Why pay rent when you can own a home in Palm Coast for less than your rent per month? Palm Coast Realtor RJ Elsbree Can help you find and buy the right house in Flagler County with the best price and terms.

Flagler Market Report

New Active - 219

Pending - 71

Sold - 69

New Total Active - 1589

Palm Coast Short Sales

New Short Sales - 124

Pending Short Sales - 77

Sold Short Sales - 30

Total Short Sales - 513

Palm Coast Sales Increase/Decrease Percentages

Sales from 2007 to 2008 are up 98.06%

Sales for November were up 6.45%

If you need help finding the right Palm Coast Mortgage Lender, then Palm Coast Realtor RJ Elsbree can help!

Call 386-569-1913 or visit my web site at www.RealtorRj.com

Data gathered from Flagler County MLS. This information is deemed reliable but not guaranteed.

Real Estate in Palm Coast, Florida is real attractive for home buyers and first time buyers here in Palm Coast since there has been a downturn in home sales for the past three to four years. Home owners are ready to sell at bottom line prices.

With existing home sales starting to show signs of improvement over the past few months and a new President taking office soon, people need to act so they don't miss out. Everyone says history repeats its self and if history has taught us anything the housing market has its ups and downs but will recover. With this being a down market there are more opportunities out there then every before. Don't wait, start looking today because tommorrow may be to late.

I encourage you to take a look at my web page for more real estate information and top deals around Flagler County at www.RealtorRj.com. Don't get me wrong I'm not saying that you need to get out there and buy a home today but if you see yourself moving in the next five years you may want to start looking soon. Prices will start going up and if you're not in the know it may cost you more or you may get lesser of a home for your hard earned money. If you were to purchase within the next year or two you may save money in the future. You maybe surprised just how much money you could make from buying in a down market. I'm willing and able to help you discover these great deals. Lets talk about your future in Palm Coast Real Estate.

Aloha