Please join us for a FREE Home Buying seminar on Buying in todays market. On

“BLACK SUNDAY” November 30th 2008 1:00PM to 4:00PM.

Venue Location:

135-18 Liberty Avenue, Richmond Hill, NY 11419

Click here for Map and Directions

This is the perfect opportunity for prospect buyers to learn more about the process of buying a Bank Owned/ Foreclosed home in todays market. Whether you are a first-time home buyer or simply someone who just hasn’t bought a new home in a few years, come and get the answers to all your questions answered by the Pros. There is absolutely no commitment, no cost to you, and no catch!

All you need to do is register online, or call the venue at 1-718-297-1440 to register.

Seminar outline:

1. Preparing to Buy a New Home

* Seasonal impact to real estate markets

* Your home as an investment

* Benefits of buy versus rent

* Current market conditions

* Credit history

* Tax credit for first-time buyers

2. Finance and Mortgages

* Fixed and adjustable rates

* Debt-to-income ratio

* Discount points

* Down payment options

* Closing costs

* Locking an interest rate

* Mortgage insurance

* Mortgage pre-qualification

3. Searching and finding a home

* Searching for a home

* Short-sales

* Foreclosures

* Listing agents versus buyer’s agents

* Working with real estate agents

* Wants versus needs

4. Closing the deal

* Making and negotiating offers

* Typical terms of an offer

* Home inspection

* Sales contract

* Mortgage contingency

* Final walkthrough

* Closing