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My Promise to you in buying your home. Your house is just at the end of the road...

To find your "dream home", we will go over your home requirements, any special needs, areas you like, schools you prefer, etc... I will give you all the information I can on homes available that fit these requests.

When we find your home,

I will provide you with all the necessary information such as:
    - taxes
    - schools
    - covenants
    - local laws

I will assist you in your negotiations and give you the best advice I can.

I will help you to find financing, attorneys, and inspectors.

I will be sure that all of your paper work has been completed on time and correctly to the best of my ability.

First Time Home Buyers

FIRST TIME HOME BUYERS
NOW IS A GREAT TIME TO BUY A HOME!

Who is a first time homebuyer?
If you have not owned a home within the last three years, you qualify as a first time home buyer

READ THE PROGRAMS LISTED BELOW; HAVE YOUR LENDER OR FINANCIAL INSTITUTION PROVIDE YOU WITH THEIR AVAILABILITY OF THESE WONDERFUL PROGRAMS. ALL LOAN/GRANT PROGRAMS SUBJECT TO APPROVAL AND AVAILABILITY.

ILLINOIS LEAGUE - HOME BUYER PROGRAM

*Receive up to $4000 grant used towards down payment and/or closing cost and prepaids
*Minimum $750 Buyer Contribution
*Income Limitations for McLean County: 1 person - $42,300 2 person - $48,300
*Purchase Price Limit of $237,030
*Available for Use with FHA, VA, Conventional and USDA programs
*Owner Occupied 1-2 Units
*Subject to Availability

MORTGAGE CREDIT CERTIFICATE

*Receive a Federal Income Tax Credit equal to 20% of the mortgage interest paid each year, with a maximum of $2,000
*Used to reduce PITI (Principal, Interest, Taxes and Insurance), or can be added to income in order to more easily qualify
*Income Limitations for McLean County:   1-2 Person: $75,500 3 or more: $86,825
*Purchase Price Limit of $237,030
*Available for Use With FHS, VA Conventional and USDA programs
*Subject to Availability

TOWN OF NORMAL - HOME BUYER PROGRAM

*Receive up to $3000 "Matching Funds" grant used towards down payment and/or closing cost and prepaids
*Income limitations for McLean County: 1 person: $42,300   2 person: $48,300
*Available for Use with FHA, VA, Conventional and USDA programs
*Owner occupied 1-2 units
*Subject to Availability

USDA - RURAL HOUSING HOME BUYER PROGRAM

*100% Loan - No down payment
*No monthly mortgage insurance
*Income Limitations for McLean County: 1-4 person: $86,850
*Subject to Community Availability - see Lender for which towns qualify

MCCA HOUSING - CENTRAL ILLINOIS COALITION FOR AFFORDABLE HOUSING PROGRAM

GENERAL REQUIREMENTS:
*Be a first time home buyer
*Meet Income Guidelines
*Purchase a home in McLean, Livingston or adjacent counties
*Contribute a minimum amount of your own funds to the purchase
*Attend an 8-hour homebuyer education class - well worth the time!
Topics included: Budgeting & credit, understanding your mortgage, importance of a home inspection and what to expect at the closing.