YOU WON'T BELIEVE YOUR EYES! There's nearly 3000 sqft in this huge home! There are 4 bedrooms and 3 FULL baths with a massive Master bedroom and sitting room addition with spectacular views of the wooded back yard and open space! Below the Master is a rec room and den with walk-outs to the multi-tiered deck. The top Elementary school in Columbia!

CLASSY COLONIAL! HUGE, updated 4+bedroom, 3.5bath. Main level has a formal living and dining room, den, sunken family room with fireplace, kitchen updated in 8/10! Private half acrea yard backs to trees and easment. Huge 2 car garage has a storage room/ workshop. Luxurious master bath has jettub and double sinks. 4 bedrooms up are huge! Walk-out lower level has a rec room with a wetbar, 2 other rooms, full bath and brand new carpet and vinyl! New HVAC. Roof recently replaced!

BETTER THAN NEW! This grand home has it all for gracious entertaining & delightful family living! Brazillian cherry floors in the 2 story foyer w/curved staircase. The gourmet kitchen has cherry, granite, SS. A sunroom & soaring family room with a fireplace. The master suite has a sitting area, 2 walk-in closets, soaking tub & 2 vanities. The finished lower level has a game room, rec room with a wetbar, full bathroom & a walkout!

Splendid Split in Dunloggin! Excellent Value! This gi-normous, sparkling 4 level split has 5bedrooms, 2.5bathrooms, BRAND NEW KITCHEN with granite, maple and duraceramic floor, huge lower level with fireplace, massive family room and a walkout to slate patio, pond and pool! Finished lower level has built-ins and tons of storage space. Wood floors throughout, 2 car garage, private cul-de-ac and renowned Centennial schools.

YOUR OWN PRIVATE OASIS! This sensational home is a dream for entertaining and family living! There's an elegant formal living room and dining room, gourmet kitchen, morning room, sunken family room with a stone fireplace, den, full bathroom, mud room and a 4 car garage on the main level! The master suite has a sitting room, tons of closet space, cedar closet, laundry, jacuzzi. Lower level rec room with a fireplace, media room, game room and kitchen. Sparkling pool with retractable cover!

Home prices are one factor in determining your cost of ownership, but so are interest rates and financing availability. Even though interest rates have gone up in the last six months, they are still near historic lows. Since your monthly mortgage payment is a combination of paying down your principal and paying the interest owed, if home prices come down a little further but interest rates go up, it could cost you even more to service a mortgage on an identical home!

While a home is a major investment, it is also the center of your personal life. It's important to live in a home that reflects your taste and values, yet is within your financial "comfort zone." To that end, it may be more important to lock in today's relatively low interest rates and low home prices, rather than to hope for a further break in prices in the future.

Please give me a call if I can be of any assistance in determining how much home you can afford in today's market.

If you have not owned a home in three years, you qualify as a first time home buyer. If you buy a home after April 9, 2008 and before July 1, 2009, you qualify for this credit. Call your friends who just bought a home since April 9th and tell them they may take $7,500 off their tax bill if they qualify. It has to be your principal residence, so rentals do not count.

The tax credit is 10% of the cost of the home, up to a maximum of $7,500. This is not an additional deduction that lowers the amount of income to be taxed, it is a tax credit. In other words, you take $7,500 off your tax bill. But there is a catch; the credit you receive now is actually an interest-free loan that must be repaid.

The loan has no interest, and will be paid back over 15 years. You get the credit on your 2008 taxes, but you start paying it back on your 2010 taxes that are due in 2011, so you get at least two years without a payment. You pay back 6.67% of the credit each year, so for a $7,500 credit the payment is $502.50 per year. If you stay put for 15 years, you pay it off with no interest.

What happens if you sell the house? You pay the balance back at the closing. So, you get $7,500 now, and pay the rest of it back if you make money on the sale of your house. What happens if you do not make enough money when you sell your house? They forgive the rest of the debt.

Other restrictions stipulate that you have to buy your first house in three years before July 1, 2009, not have super high income, not use bond financing and buy anywhere in the US.

If you'd like to learn more about this program, please call me!