r Purchase A Home

I With No Money Down! USDA 30-Year Fixed* Guaranteed Rural Housing Loans You can purchase your next home in a designated rural area with no money down with the Guaranteed Rural Housing Loan Program. These loans are eligible in a wide range of non-metropolitan statistical areas, including many suburbs.

This unique loan program in offered through the Rural Housing Service, an agency of the U.S. Department of Agriculture and designed to assist low and moderate-income rural residents by providing better access to affordable housing finance options including little or no out-of-pocket costs in eligible areas.

• Seller can pay 6% towards buyer's closing costs

• Borrower can finance up to 100% of the appraised value, including closing costs

• Great rates since it's insured by the USDA

• Credit Scores as low as 580

• Properties must be located in a designated rural area as determined by USDA and must be a primary residence

• Property cannot have income producing features (active farming, 2""* units...)

• Household Income Limits apply; # of People to Live in Home

C o u n t y 1-4 P e r s o n

Anne Arundel, Queen Anne's, Caroline, Dorchester, Kent, Somerset, Talbot, Wicomico, Worcester $96,150

5+ P e r s o n s

$126,900

• No asset or reserve requirement

• Borrower may also qualify for the Maryland Home Credit tax credit program!

"USDA 30 Year Loan Example: $167,346 loan amount with a fixed interest rate of 3.75% (4.54 APR) would have a monthly payment of $1075.61 (PITI & Mortgage Insurance).

Call us today to get started!

E Q U I T Y R E S O U R C E S ^ N C.

Lee Griffith, Mortgage Specialist (301) 266-3424 LGriff i th@callequity.net 4821 Saint Leonard Rd Ste 101B Saint Leonard, M D 20685 Web: www.cal lequl ty.net/Lee-Gri f f i th

kw IvLHLlEKWIlllAMS

Lori G. Gu imond , Realtor (443) 988-3669 or (410) 972-4000/4085 Lor i .gu imond@gmai l .com 1997 Annapol is Exchange Pkwy #500 Annapol is, M D 21401 Web: Lori.TheRiff leGroup.com

Corporate NMLS 1579, MD 19044, Lawrence Griffith NMLS 259961. Equal Housing Lender. Certain restrictions apply, call for details. Program terms and conditions are subject to change at any time. Final approval is subject to credit review and eligibility. This is not a commitment to lend.

REALTOR'

Tax Credit Deadline Approaching Did you know? Eligible Maryland homebuyers can receive a Mortgage Credit Certificate, or "HomeCredit"

and potentially save thousands of dollars over the life of a loan by clainning an annual federal tax credit.

For example, a borrower with an APR of 3.858% Fixed and a loan annount of $300,000 could get a credit

of over $44,000 over the course of 30 years using the tax credit program.

Expires soon! The Loan must close by December 15. 2015 to be eligible!

WHO IS ELIGIBLE?

Qualified buyers purchasing a primary residence in Maryland, who have not owned a home during the

past three years, UNLESS they are purchasing in a "Targeted Area." Borrowers must meet income and

home purchase phce limits:

County Income Limits*

Max Loan Limit** Loan Limit Targeted Area County 1 -2 Person 3+ Person

Max Loan Limit** Loan Limit Targeted Area

Anne Arundel, Baltimore,

Carroll, Hartford, Howard,

Queen Anne's

$107,520 $125,440 $429,620 $521,091

Calvert, Charles, Frederick Montgomery, Prince George's

$131,040 $152,880 $429,620 $521,091

St. Mary's $99,900 $114,885 $331,463

'Income limits shown are for non-targeted areas, may be higher in targeted areas. **Maximum Loan Limits must also follow the agency loan limit for the county. Conventional 30 Year Loan Example: a purchase price of $316,000 with 5% down payment of $16,000, loan amount of $300,000 with a fixed interest rate of 3.75% (3.858% APR), would have a monthly payment of $1,816 (Principal, Interest, Taxes & Insurance).

4 l l

Lee Griffith Sr. Mortgage Specialist Equity Resources , Inc. (301) 266-3424 Igri ffith(S)callequitv.net www.ca 11 eq u i ty.com/l e e-griff i th NMLS #259961 4821 Saint Leonard Rd Suite lO lB Saint Leonard, MD 20685

Lori Guimond Keller Williams Select Realtors Realtor (443) 988-3669 LORI.GUIMOND(S) GMAIL.COM 1997 Annapolis Exchange PIcvuy Annapolis MD 21401

E Q U I T Y R E S O U R C E S , INC.

NMLS 1579. Equal Housing Lender. Certain restrictions apply, call for details. AL MC20405.003; AZ BK-0928406, BKBR-0119886; CTML-1579, ML-BCH-1315500; DC IVILB1579, MLB318356, MLB206792, MLB1244789; DE 9521, 18096,11829,19804; FL MLD880, MLDB1628, MLDB1629, MLDB2489; IN 11055 & 9940; KV MC824; MD 14944,15822, 19299,19381,19954,19044, 21427, 21595, 21641; Ml FR-0018548; NC L-134393; OH MB800302 &

SM501794; PADept of Banking; Rl 20153125LL; SC MLS-1579, MLB-1087981, MLB-1133899; VANMLS 1579 (www.nmlsconsumeraccess.org) DBA Equity Resources of Ohio, Inc., ERI Mortgage, Inc., Equity Resources, Inc. of Ohio, Equity Resources of Ohio.

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UN V t H S A L TITLE

Universal Tit le supports our

Maryland T e a c h e r s !

In recognition of your service to our community. Universal Title would like to show its gratitude by offering you a $300 discount on your settlement services.

Contact Joey VanDaniker, 443-452-9797; jvandaniker@universaltitle.com

Teacher Appreciation

FIRST TIME HOME BUYER

SEMINAR

November 23rd - 5:00pm to 6:30pm

Centreville Library, Centreville

Or

December 7th— 4:30pm to 6:00pm

Kent Island Library, Stevensville

WHY PAY RENT ? W H E N Y O U C A N BUY A HOME?

W I T H $0 D O W N - 100% F I N A N C I N G

Melissa Welsh

Extension Educator

410-479-4030

Lori Guimond

Realtor

443-988-3669