If you are in the market looking to buy a home, now is the time. The federal government has recently passed legislation that would allow up to a $7500 credit for first time home-buyers. Even if you are not a first time home-buyer you might be able to qualify. There are certain restriction that might allow you to qualify. This $7500 credit is not going to last forever. The government has proposed the elimination of this credit to end in 2009, so if you are considering buying or where thinking about waiting until next year, now might be the time. There are other programs also available now that might allow you to access down payment assistance and closings costs as well. Some of these programs are slated to be eliminated by the end of 2008. If you'd like to see what benefits you might be able to qualify for, feel free to access our website at www.ToMortgageServices.com or call us directly at 800.922.3210 ext 121

Ronald A. Giannamore is a Senior Managing Loan Specialist for Mortgage Services, Inc. He serves on the board of directors for a local government non-profit organization. He has been with the company for over 24 years. Mortgage Services, Inc. is a mortgage banker/broker licensed in 32 states.