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• 1-4 occupants income limits are $73,600.
• 5-8 occupants income limits are $91,150.
• Do you have buyers or listings in North East New Tampa, Riverview, Gibsonton, Pasco or Hernando Counties. These areas qualify for 100% financing.
• With the increase in income limits allows new opportunities from eligible buyers.

• Diversified Home Mortgage can provide buyers with the FHA 203K Loan.
• This loan is designed to make improvements in those homes that need some TLC.
• The 203K allows up to $35,000 rolled into the loan for repairs.

• Does NOT have to be paid back.
• Definition of a First time Home Buyer --- Someone who has not owned a home for the past 36 months.
• Even if the buyer has filed their 2008 Tax returns --- We have the IRS form for them to get their refund after closing.
• Remember the FTHB must close before December 1st, 2009.

• Appraisals are required to go thru the lenders Appraisal Management Company Effective May 1st.
• You may want to make sure your offers are accurate so values are not affected.
• Diversified Home Mortgage has lenders that will still allow us to choose our appraisal companies. This is a benefit because we know we are getting the highest quality appraisers as well as timely responses.

• Diversified Home Mortgage has lenders that will now allow FHA transactions with credit scores as low as 580.