Buyers Can Afford A Home
Of Their Own For Little
To No Money Down!
"We were tired of throwing money away on rent. We had great income but only a little money in our savings account. We heard about the No Money Down mortgage option from Diane Cardano and Associates at Cardano Realtors. We went online and got pre-qualified on a secure site, and within 24 hours we had a full pre-approval for $170,000! Best of all, we only needed $2,400 including money down and closing costs. Wow, What a great option!!
We also filled out the HomeFinder application online, met with Diane and Her Team and in 2 weeks found the perfect home!! Diane is not a salesperson, but rather our consultant. She did not rush us in to finding a home, kept us focused and gave great advice...unlike most real estate agents who only care about the commission. Plus, we now are in their great After Sale Program as well! We refer all our friends and family to our Real Estate Consultants….For Life."
-Robert & Kim Stanley  You Can Apply Online For One Of These Loan Programs
· We have seven (7) different home loan programs that allow you to buy any home priced between $150,000 and $550,000 with ZERO DOWN PAYMENT, that's no-money-down.
· We have six (6) other loans that you can use to buy a home with just 1% to 3% down payment for homes priced from $100,000 up to $950,000.
· We have five (5) different home loans with interest rates below six percent (6%).
· We recently found a bank offering a special Second-Time buyer loan featuring no down payment for current home owners who plan to keep their present home as a rental property.
· Move Up Buyers - we have special financing available for second time homebuyers.
GET FREE PREAPPROVAL ONLINE
FOR THESE LOAN PROGRAMS
Please take a few minutes to complete this form so you can get a FREE PRE-APPROVAL for one of the above loan programs. You will get a response within 24 hours. If you have any questions or need more information about prequalification, mortgage application process or our loan programs, you can email us or give us a call at 215-576-8666.
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First Time Buyers >Your Principal Residence
The Federal Tax Code allows married taxpayers to exclude from capital gains taxes up to $500,000 in profits from selling a home (singles can exclude $250,000). In order to qualify for this exemption, you must prove that that the home has been your principal residence for at least two out of the last five years. The establishment of the home as a principal residence depends on the facts of each homeowner's circumstance. Here are two cases to consider.
Homeowner A has lived at 25 Pine Drive for 12 years. Although he stays at his vacation cottage in another town for up to three months out of each year (sometimes more), 25 Pine Drive is his principal residence, where he lives most of the time. When he sells the home, Homeowner A (filing as a single individual) can keep up to $250,000 in tax-free profit.
Homeowner B buys 108 Maple Street, intending to live there. He rents it out while waiting to sell his current home, where he has lived for six years. His principal residence sells at the end of two years. Homeowner B moves into his new house, lives there for three months, and then decides to travel. After a six-month trip, he regrets buying 108 Maple Street and sells it. Even though he has owned the house on Maple Street for over two years, it won't qualify as "owner-occupied", because he only lived in it for a few months. Thus Homeowner B is not eligible to claim the tax exemption when he sells the house on Maple Street.
Consult your tax advisor for advice about your particular circumstance.
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| Q |
Where is the world's oldest castle located?
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| A |
The castle at Gomdan, Yemon, dating from before A.D. 100, is considered the oldest castle; it originally had 20 stories. |
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