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Top 10 Reasons to Buy Now As the market continues to adjust to the changing economy, a number of factors are coming together in the housing market to provide  unique opportunities for home buyers and investors. For those looking to take advantage of falling interest rates, excess inventory and government incentives, there’s no time like the present.     Increasing Down-Payment Requirements One factor that’s leading many buyers to act now is the pending increase in minimum down payments required for HUDloans. On January 1st, 2009, the minimum down payment will jump from 3% to 3.5%. A half of a percentage point may not seem like much, but this change will add an average of $1,000 to the down payment on a new home.*     Increasing Rent As more people move out of their homes and more potential homebuyers decide to wait, renters are facing higher prices and more competition for leases and apartments. As the costs of maintenance, repairs and utilities continue to rise, property owners, rental agencies and apartment complexes must raise their rates to stay afloat. As the cost of renting or leasing climbs, the stability of a fixed mortgage payment becomes more appealing for many homebuyers.         Low Interest Rates Despite the turmoil, interest rates remain steady at near-record lows. Compared to rates at the height of the real estate boom, this can mean substantially lower mortgage payments for those who buy now. Of course, lending standards are tighter now than they were a few years ago, but that means that lenders today are even more eager to work with buyers with good credit. As a result, new homebuyers can lock in at substantially lower rates now than they could have a few years ago, and existing owners can move up to a bigger and better home with little or no change in their  monthly payment.       Competitive Home Prices As the number of potential homebuyers declines, many homebuilders are facing a surplus of inventory homes. Throughout major markets and growth areas, average home prices rose faster than at any time in history. In many of these places, prices reach levels that the average buyer was unable or unwilling to pay, and home values began to drop. As everyone adjusts to the current market conditions and builders compete for remaining buyers, these prices are returning to normal levels.   Great Selection Another result of market growth and decline is the incredible selection of homes available. As new communities and developments cropped up throughout major growth areas, innovative floor plans, features and designs helped many builders differentiate themselves from the market. Today, many of those communities are filled with spec homes, models and a wide range of inventory homes, offering buyers a great opportunity to find the perfect home.   Energy Effcient Construction & Appliances The drive towards green technology continues to help homeowners lower bills by using less electricity, water and gas. New homes today must meet rigorous standards in effciency and quality. They are generally fitted with new appliances, which also have to meet the latest Energy Star and effciency standards. As an added selling point, many builders go above and beyond these requirements, including even more “green” features like extra insulation, native landscaping, even rain barrels and compost areas. All of these factors combine to make your monthly bills lower and your lifestyle more comfortable.   Government Programs & Credits In addition to builder and lender incentives, the federal government also provides some great incentives to buy a new home right now. One such incentive came as a part of the Housing and Economic Recovery Act, which includes a provision for a $7,500 tax credit for rst-time homebuyers purchasing between April 9, 2008 and July 1, 2009. This credit is essentially an interest-free loan to use towards the expenses of owning a home. Additional options include Bond Loans from certain government agencies, Veterans Affairs Loan Programs as well as the USDA Rural Housing Program for qualifying purchases.   Tax Incentives Added to the incentives the government provides for buying a new home, there are signicant incentives in place that make owning (and eventually selling) your home more aordable. In most cases, any money spent on interest and property taxes can be fully deducted from your income—saving you thousands on taxes. Overall, homeowners in the US save almost $100 billion on deductions for mortgage interest and property taxes each year. And when it comes time to sell you home, even more tax breaks help you make the most of your home’s appreciation.   Investment & Appreciation Despite the current uctuations in the housing market, there is virtually no other investment or purchase that comes close to the long-term value appreciation of homeownership. Historically, home appreciation enjoys an average increase of 5 to 6 percent each year nationally. And from 1991 to 2007 the median price of a new home rose from $120,000 to $246,900, more than doubling in value. Compared with the drastic changes in the stock market, investing in a home can be safe and profitable.   The Time is NOW Taken individually, any of these factors would be a major incentive to look into buying a home. But when you consider all of these events and circumstances happening at the same time, it’s hard to deny the incredible opportunity presented to homebuyers at this very moment. As the market adjusts to current economic conditions, potential homebuyers can enjoy great incentives, great support and truly great homes at some of the best values we’ve seen in years.   If you’re ready to take advantage of these great incentives and circumstances—Call or Fill out the dream home form to get started.                        Privacy Policy © Created and maintained by WTN.