Deb Casper of RE/MAX Specialists can help!

Welcome to the #1 BEST site  for Real Estate Information serving the entire Twin Cities of Minneapolis and Saint Paul.  We specialize in the northeast metro area, including White Bear Lake, Stillwater, Grant, Dellwood, Mahtomedi,,Lake Elmo, North Oaks, Oakdale, Centerville , Hugo , Lino Lakes , Maplewood, North St Paul,  Shoreview, Woodbury, plus all of Ramsey,, Anoka, and Washington Counties. 

Take a look at my new blog  - The Homebuyer Tax Credit has been extended! 
Click here for full story! 

Here are the basic facts:   For First Time Homebuyers or those who have not owned a home within 3 years, the tax credit remains at $8000, with new higher income restrictions maxing out at $125,000 for single persons and $225,000 for married persons. For Repeat Buyers – those defined as having owned a home for five consecutive years of the previous eight years – the credit is $6500, with the same income restrictions. To qualify for the new program, purchase agreements need to be signed by April 30, 2010 and close by June 30, 2010.  For some of those in our Armed Forces, stationed outside the United States on official duty for 90 days during the period from January 1, 2009 and before May 1, 2010 will have eligibility extended for an additional year!

Call  for more info:  651-407-7864

Do you have questions about short sales and foreclosures?  I can help!  I've just been certified as a Short Sale and Foreclosure Resource!  The Treasury Department has just released GUIDELINES on to streamline the process with the banks.  If you are in over your head on your home mortgage due to a hardship such as a job loss or divorce call today - I can help!  Take a look at my new BLOG on the subject. 

Here's my 6 Tips for Homebuyers blog too - take a minute to read this one for tips

for people thinking of  buying a home in today's volatile market.

  Here's another one recently posted with a Great Dog Story, plus a photo of my recently passed Lexi, the best dog there ever was.

      VETERANS!   Do you have questions about VA Home Loans and your Entitlement?  Call TODAY 651-407-7864

    Deb Casper  is an experienced REALTOR®, an e-PRO Certified Internet Specialist, a Short Sale and Foreclosure Resource, and a Certified Residential Specialist with RE/MAX Specialists, White Bear Lake. Contact her anytime at:  651-407-7864

Now through April 30, 2010 is a particularly great time for both first time and repeat buyers to jump in, say a variety of real estate professionals.   This is one of those times that if you don't buy NOW, a couple years down the road you will wish you had.

Here are the reasons why:

• Prices are probably as low as they are going to go as the market stabilizes.
• Interest rates have declined to their lowest rates in 30 years!  This should stimulate the economy more than anything else the government could do!
• The new stimulus package includes a direct tax credit for first time buyers of owner occupied properties, up to 10% of purchase price with a maximum of $8,000 tax credit!  Plus it extends $6500 for repeat buyers too!
• The FHA allows down payments of as little as 3.5 percent! People scraping dollars together for a down payment should be able to qualify under the new guidelines.
  
• The tax credit will shave up to $8000 off a first-time buyer’s and up to $6500 for repeat buyer's federal tax bill. Buyers who don't owe tax, will get the money as a refund.  PLUS, the NAR has successfully campaigned to allow buyers to keep that credit, in other words, you'd NEVER have to pay it back!

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