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Gov't Incentives & Programs



The government offers help for first time homebuyers and others through a variety of programs.

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The Pros And Cons Of For Sale By Owner

With all the technology out there for home buyers and sellers, do real estate agents really matter anymore? For buyers, the research you can do online and with your phone is amazing. Apps like Redfin and HomeSnap will let you drive down a street, pull out your smartphone, aim it ...

Foreclosure deals for the average homebuyer

Foreclosure deals for the average homebuyer

Special cash incentives are on the table for homebuyers who want to owner-occupy our nation's foreclosures. No investors allowed in this sweet deal!

Fannie Mae offers cash incentives toward closing costs

Fannie Mae is offering special incentives to buyers if you buy one of their REOs through March 31, 2014. Up to 3.5% in closing cost assitance is available strictly for people who want to occupy these REOs (real estate owned properties); this is not people looking for homes as investments. ...

First-Time Homebuyer Guide

For many people, right now is most ideal time that may come along in your lifetime to be a first-time homebuyer. There are two reasons: Cheap home prices and incredible mortgage interest rates. Here are some key pointers to keep in mind as you undertake the process of qualifying for ...

Winter heating bill too high? Consider an energy tax credit

Is your winter heating bill too high? Grab an energy tax credit for yourself to offset the cost -- before they expire! Climatologists are predicting it will be more expensive to heat your home this winter. That's not because energy costs are up. In fact, those who heat with natural ...

Why you need to have flood insurance

There's a renewed focus on flood insurance after Congress removed the subsidies and sent premiums through the roof in some cases. Too often, homeowners think their regular insurance policy will cover them in the event of a flood. They are stunned when they find out it doesn't. That's what happened ...

Wells Fargo flouting mortgage relief settlement?

UPDATE: Wells Fargo is being sued by the Attorney General of New York for failing to comply with the terms of the National Mortgage Settlement. As a result, the bank is under renewed pressure to modify home loans. So if you're encountered roadblocks at every turn, now may be the ...

New help for foreclosure recovery

New help for foreclosure recovery

Thought you were barred from buying a new home after a foreclosure or a short sale for 7 years? New rules could put the keys in your hands again after just 12 months.

Buying a home again after foreclosure

If you thought you were barred from buying a new house after a foreclosure or a short sale, the Los Angeles Times  reports the rules are about to change. Let's talk for a moment about FHA loans, which are traditional government financing that requires 3.5% down. If you went through ...

ClarkHoward.com and The Clark Howard Show are your source for housing and real estate information.

5 tips for successful FHA refinancing

  Whether you opted for an FHA loan because you wanted to make a lower down payment or because you needed easier credit standards, you may be considering refinancing your home. While a good lender can help you evaluate your individual circumstances, there are steps you can take first to ...

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