Most of my clientele are first time home buyers... some may say that isn't the best database to have, but I think it is definitely the most rewarding.

I am a firm believer in FHA as that is all I have encountered in the last several months. Because my buyers have limited funds for down payments, FHA has been the only way they can qualify for loans. While there may be more paperwork involved and that ever so annoying upfront mortgage insurance fee, FHA is giving home buyers the opportunity to achieve financial success when all other products have failed them.

I recently entered escrow with a couple I have been working with for 6 months now. Because they are first time home buyers their price point was in neighborhoods saturated by short sales and REO's. I can't even tell you how many offers we wrote, but I can tell you that after a long six months, a home came on the market that was niether a short sale or REO. We we wrote on it the very first day and I am proud to say my buyers are now in escrow and can't wait to move in.

This would not be possible if it weren't for FHA, so I for one say THANK YOU FHA!!!! I wanted to write about something positive, as it seems the media only likes speaking about the negative. Real Estate in my opinion is the best investment out there and I am proud to say that I assist in helping people achieve their finacial success... after all isn't owning a home the "American Dream"?