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816 BELLACUMBRE, EL PASO TX 79912

Great looking foreclosure just listed on the MLS. It features 6 Bedrooms, 3163 sq. ft, 2+ Living Areas , Breakfast Area , Built Ins , Ceiling Fan(s) , Country Kitchen , Den , Dining Rm , Foyer , MB Dbl Sink , MB Jetted Tub , Skylight(s) , Utility Room , Walk In Closet(s) , Wet Bar, refrigerated cooling, large lot size.

Ext Features: Back Yard Access , Patio Covered , Storage , Walled Backyard
Appliances: Dishwasher , Dryer H/U , Freestanding Gas Range , Washer H/U

You can view photos on my MLS site.

This property will not last. It is in a great subdivision on the west side of El Paso.

First Time Homebuyer Alert - Pre-Foreclosure

This is a listing alert to all subscribers to this blog. One of my listings will be foreclosed and relisted with the bank's agent in the next few days. This is your only notice before the listing goes to the general public. If you are looking for a starter home, in great condition and priced at below market call me today.

12416 Tierra Marta, El Paso Tx 79938
Price: $89,900 plus closing cost assistance.

This offer is only for those that have followed my previous advise about getting a pre-qualification letter. The bank will not accept offers without it.

How does the $8000 Tax Credit work

Q. How does the $8000 tax credit work for First-Time Homebuyer?

A. This program does not require any repayment of the credit provided that the purchaser uses the property as their primary residence for a period of thirty-six months after their date of purchase.

Buyer will receive a credit of up to ten percent (10%) of the purchase price or a maximum of $8000.00 as a credit on your 2010 tax return, provided that your new home has a final sale price of $800,000 or less. This program went into effect on January 1, 2010 and is available to qualified buyers of their first new home provided that they have the property under purchase contract on or before April 30, 2010 and closed prior to June 30, 2010 to be able to qualify for the credit.

Buyer(s)cannot have an income greater than $75,000.00 as non-married purchaser or $150,000.00 for married purchases that file a joint tax return.

Q. When does the Tax Credit of 2009 run out?

A. First Time Homebyer Credit

Q. Can I file electronically?

A. No. Because of the documentation requirements for claiming the credit, taxpayers who claim the credit on their 2009 tax return must file a paper — not electronic — return and attach Form 5405

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RE/MAX Realtor helpling First Time Homebuyers

The U.S. Housing and Urban Development Secretary Shaun Donovan on May 29 announced the Federal Housing Administration (FHA) will allow homebuyers to apply the Obama Administration’s new $8,000 first-time homebuyer tax credit toward the purchase costs of an FHA-insured home. He said this action will help stabilize the nation’s housing market by stimulating home sales across the country. The American Recovery and Reinvestment Act of 2009 offers homebuyers a tax credit up to $8,000 for purchasing their first home. Families can access this credit after filing their tax returns with the IRS. The new announcement detailed FHA’s rules allowing state Housing Finance Agencies and certain non-profits to “monetize” up to the full amount of the tax credit (depending on the amount of the mortgage) so that borrowers can immediately apply the funds toward their down payments. Home buyers using FHA-approved lenders can apply the tax credit to their down payment in excess of 3.5 percent of appraised value or their closing costs, which can help achieve a lower interest rate. You may visit the HUD web site to learn about this rule. Currently, borrowers applying for an FHA-insured mortgage are required to make a minimum 3.5 percent down payment on the purchase of their home. Now the lenders can use the tax credit as additional down payment, or closing costs, which can buy down the interest rate. In addition to the borrower’s own cash investment, FHA allows parents, employers and other governmental entities to contribute towards the down payment. This action permits the first-time homebuyer’s anticipated tax credit under the Recovery Act to be applied toward the family’s home purchase right away. The Administration’s homebuyer tax credit is estimated to stimulate home sales across the nation and most will be first-time buyers to receive the credit. Homebuyers should beware of mortgage scams and carefully compare benefits and costs when seeking out tax credit monetization services. For every FHA borrower who is assisted through the tax credit program, FHA will collect the name and employer identification number of the organization providing the service as well as associated fees and charges. FHA will use this information to track the business closely and will refer any questionable practices to the appropriate regulatory agencies, as necessary. This news source came from the (Silicon Valley Association Realtors)