IF OWNING A HOME

        IS ON YOUR LIST OF WANTS & DREAMS

                     THERE IS NO BETTER TIME

THAN RIGHT NOW TO TURN THAT DREAM INTO A REALITY!

           Now is an ideal time to purchase a home! 

High Inventory of Motivated Sellers.  We are in a market with a large selection of homes at prices that probably won't go any lower.  Go to www.debbiehutchins.com to view over 10,000 listings in the Birmingham Metro, Jefferson and Shelby County area alone!

Every Market is Different.  Real estate is local and all markets are different.  If you are willing to get out and look you will find that there are great opportunities available for buyers....RIGHT NOW!

Benefits of Home Ownership.  The great American dream not only provides you and your family shelter, it also gives you tax benefits.  When you own a home you can deduct the property taxes and mortgage interest from you income taxes.  When you sell your home if you have occupied it for 2 out of 5 years the gains you make can be tax free!

Mortgage Rates are at historical lows.  Mortgage Interest rates in our area have been hovering around 5% to 6% for quiet some time.  You can go to www.FreddieMac.com and look at the Primary Mortgage Market Survey for more information on the latest rates.  When interest rates are low it allows the Home buyer to qualify for more home than when the rates are at a higher level.   Coupled with the home prices available in today's market this makes the maximum price home you can shop for even better.  There is also a First Time Homebuyers Tax Credit available right now.

Your investment has Value.  Yes there have been media reports of home values declining but that typically would apply to short term.  Real estate is a long term investment.  The return on your investment in a home can be very impressive over time. 

Invest in Your Future by owning a home.  You can increase your net worth when you own your own home compared to renting.  The equity in your home can be used for many things.  You can use it for a down payment when you feel the need to move into a larger home.  When you reach your senior years you can actually use your equity as a form of retirement.

Housing Market Facts.  The National Association of Realtors NAR has created a new website to offer the latest information about the housing market to consumers.  You can go to www.HousingMarketFacts.com to learn more about the benefits of purchasing a home.

SO WHAT IN THE WORLD COULD YOU POSSIBLY BE WAITING FOR?

THE HOUSE FAIRY?

WE HAVE THOSE TOO!

GIVE ME A CALL TODAY AND LET ME BE YOUR HOUSE FAIRY!

I am a dedicated Realtor and I can assist you in the search for the home of your dreams, help you to locate financing, homeowners insurance and any other services that you may need in the process

OF ATTAINING THE GREAT AMERICAN DREAM...OWNING YOUR HOME!

   I am anxiously waiting your call!