There are 139 days left in 2009 … if you count today. That means the first-time home-buyer tax credit expires in 108 days. Since home loans are now expected to take at least 45 days to close - if everything goes right - that leaves you 53 days to find that first home.

To claim the $8,000 tax credit from the federal government, you must close on a home no later than November 30th. Do you really want to wait until the last minute? The time is NOW to get your loan pre-approval and start the search!

Spend this weekend looking over neighborhoods you think you’d like, call your local lender on Monday (I’d be happy to recommend some excellent loan officers), and I can begin showing you houses by next week! Call or text me at (615) 491-2161 for suggestions.

Right now you have some time, but not a lot!

Posted By: Kathy Tyson

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