This document highlights a unique opportunity for first-time homebuyers, emphasizing three key factors: low mortgage rates at historical lows, significant decreases in home prices, and a federal tax credit of up to $8,000. It also outlines the eligibility criteria for the tax credit, the importance of good credit for securing loans, and offers preparation steps for prospective buyers. Valuable resources and expert assistance are available to guide homebuyers through the process.

1. Welcome Once In A Lifetime Opportunity for First-Time Homebuyers

2. There are many reasons to own your home – from personal to financial. Whatever your reason, THREE FACTORS have come together to make TODAY your day.

3. Three Factors Mortgage rates are at historic lows! Conventional mortgage rates at or below 5% reflect a 37 year low.

4. Three Factors 2. Homes Are Bargain Priced! Home prices have declined nationwide by 23.4% *, plus foreclosures and short sales offer attractive options. * As reported in the The 20-city S&P Case-Shiller index.

5. Three Factors 3. NEW Federal Tax Credit! This program, worth up to $8,000 for first-time buyers, is part of the American Recovery and Reinvestment Act of 2009, signed into law in February and only available until Nov. 30, 2009.

6. Three Factors Never before have these three factors happened at the same time. That is why this is a … for first-time homebuyers. ONCE IN A LIFETIME OPPORTUNITY

7. Let’s look at these three factors more closely –

8. Mortgage Reality Monthly Mortgage Payments on a 30 year conventional $100,000 Loan: Rate: 5.50% Payment: $568.00 Rate: 5.00% Payment: $537.00 Rate: 4.50% Payment: $507.00 Monthly Mortgage Payments on a 30 year convention $200,000 Loan: Rate: 5.50% Payment: $1,135.58 Rate: 5.00% Payment: $1,073.64 Rate: 4.50% Payment: $1,013.37

9. Mortgage Reality Mortgage Lending has changed. In order to take advantage of these low rates you must have EXCELLENT credit! Your score should be 700 or better to get these great rates. We can help you learn your FICO score and show you how to improve it.

10. Mortgage Reality Lenders now routinely require a down payment. The amount depends on the type of loan, your personal financial factors, and local market conditions. Down payments can range from 3.5% on FHA loans to 20 % or more on conventional mortgages. We can help you decide which is best for you.

11. Mortgage Reality Loans are available, however… Lenders are going to look at your financial situation very closely. So the loan approval process is going to take longer with more documentation required. We can help you prepare to get the best results.

12. Local Housing Prices Insert Local Market Reports Examples:

13. Distressed Properties Foreclosures, Bank Owned properties (REOs) and Short Sales are routinely referred to as distressed property. These are great bargain opportunities. However, there are pitfalls to avoid such as prior liens and negotiating with the owner or bank. We know the best bargains in our market.

14. Tax Credit Federal $8,000 Tax Credit for First-Time Homebuyers! Who is Eligible? The $8,000 tax credit is available for first-time home buyers only. The law defines a first-time homebuyer as a buyer who has not owned a home during the past three years. All U.S. citizens who file taxes are eligible to participate in the program. Types of Homes that Qualify for the Tax Credit All homes, whether single-family, town homes, or condominiums will qualify. However, there are several conditions: The home must be used as a principal residence, and, The buyer has not owned a home in the prior three years, and The home must be within the United States. The tax credit includes newly-constructed homes

15. Tax Credit Income Limits Homebuyers who file as single or head-of-household taxpayers can claim the full $8,000 credit if their adjusted gross income (AGI) is less than $75,000. (The price of the purchased property must be $80,000 or more to receive the full credit; otherwise the tax credit would be 10% of the sales price.) For married couples filling a joint return, the income limit doubles to $150,000. Single or head-of-household taxpayers who between $75,000 and $95,000 are eligible to receive a partial first-time homebuyer tax credit. Married couples filling jointly who earn between $150,000 and $170,000 are eligible to receive a partial first-time homebuyer tax credit. The credit is not available for single taxpayers who AGI is greater than $95,000 and married couples filling jointly with an AGI that exceeds $170,000.

16. Tax Credit Tax Credit is Refundable A refundable credit means that if you pay less than $8,000 in federal income taxes, then the government will write you a check for the difference. For example, if you owe $5,000 in federal income taxes, you would pay nothing to the IRS and receive a $3,000 payment from the government. If you are due to receive a $1,000 tax refund from the government, your refund would grow to $9,000 ($1,000 plus $8,000 from the home buyer tax credit). You have the option of taking the credit on your 2008 or 2009 returns.

17. Tax Credit Payback Provisions The tax credit is forgivable, meaning that if you remain in the qualifying property for three years, you do not have to pay back the tax credit .

18. To Take Advantage Of This Once In A Lifetime Opportunity You Need To Be Prepared! Here’s How…

19. 10 Steps To Prepare 10 Steps to Prepare for Home Ownership 1. Decide how much home you can afford. Generally, you can afford a home equal in value to between 2 and 3 times your gross income. 2. Develop a wish list of what you’d like your home to have. Then prioritize the features on your list. 3. Select three or four neighborhoods you’d like to live in. Consider items such as schools, recreational facilities, area expansion plans, and safety. 4. Determine if you have enough saved to cover your down payment and closing costs. Closing costs, including taxes, attorney’s fee, and transfer fees average between 2 and 7 percent of the home price. 5. Get your credit in order. Obtain a copy of your credit report.

20. 10 Steps To Prepare 6. Determine how large a mortgage you can qualify for. Also explore different loans options and decide what’s best for you. 7. Organize all the documentation a lender will need to pre-approve you for a loan. 8. Do research to determine if you qualify for any special mortgage or down payment assistance programs. 9. Calculate the costs of homeownership, including property taxes, insurance, maintenance, and association fees, if applicable. 10. Find an experienced real estate agent who can help you through the process.

21. About Your REALTOR® Valery Smallwood-REALTOR® Associate Broker Residential-Business & Commercial Certified www.metrobrokers.com/valery.smallwood Metrobrokers GMAC Real Estate 404-843-2500 (Office) 770-913-3577 (Direct) First-time Home Buyer Specialist

22. Mortgage Partner Metro Brokers Financial Inc. [email_address] Ph: 404.847.2525 Metro Brokers Financial Inc. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

23. Metro Title Trust, well known in the legal community for honesty and integrity, specializes in residential and commercial real estate closings.

24. Tax Attorney Alston & Bird-One Atlantic Center 1201 West Peachtree Street Atlanta, GA 30309-3424 USA Phone: 404-881-7000 Fax: 404-881-7777 For Example:

25. Thank You! Questions about this Once In A Lifetime Opportunity? Ask us!