Home : Your Lifestyle Investment

While we Americans are always striving for the "ALL AMERICAN DREAM" are we truly investing in our LIFE'S?? While we must answer questions like this on a daily basis, your questions will differ from the next...

- Will this Healthcare Plan be a good investment?
- Will this lawn mower be a good product for my lawn?
- My bathroom needs a new tub. Will this be a good investment for me?

Most of our largest investments will be our home purchase. While we will determine price, layout, size, and features as part of our investment, in our life we must also determine our deeper desires and our lifestyle investment in our home.

The lifestyle we enjoy will be determined in our home purchase. While we may love the location, size and price of our new purchase will we have fully invested in our lifestyle wanted to live there?

- Do we enjoy being close to neighbors?
- Do we enjoy entertaining friends and family?
- The lawn needs upkeep, is that something I want to do?
- Is collecting a hobby of mine?
- Do I enjoy hunting on my own property?

These are only a small amount of the questions we will ask ourselves about our lifestyle. When determining an answer to these types of questions we must look at what needs to be invested to determine our answer. The better able we are at determining our lifestyles, the easier it will be to determine the most accurate home investment.

INVEST HAPPILY!!

Justin Peck

Cell: 269-760-4965

MILLER REAL ESTATE

149 West State Street

Hastings, MI 49058

Office: 269-945-5182

First Time Winning Incentives

Recently I closed on my first home. Not only was the process fluid and simple, I ended the day with first time buyer incentives that were OUT OF THIS WORLD!!

The Michigan State Housing Development Authority (MSHDA) (http://www.michigan.gov/mshda) holds many programs available to first time buyers. Depending on your area the deals are endless. Recently passed legislation has also included monetary grants to all areas of the state.

$ Down Payment Assistance (http://www.michigan.gov/mshda/0,1607,7-141-45866_45870-175332--,00.html)

- This program is available to low-to-moderate income buyers. The household income limits vary depending on location and family size.
- Buyer must complete a short home buyer education class. (GREAT INFO)
- 0% Interest / 0 Payments!! Full amount due upon sale or transfer of property or when the first mortgage is paid in full.
- The max assistance for this program is $7,500.00.
- CHECK ABOVE LINK FOR MORE INFO!

$ FHA Loan (http://www.michigan.gov/mshda/0,1607,7-141-45866_47903-165004--,00.html#FHA)

- 30 Year Fixed Rate Loan available to low-to-moderate income borrowers who meet the MSHDA sales price and income limits.
- Non - Traditional credit score allowed. (Low credit score)
- CHECK ABOVE LINK FOR MORE INFO!


These are the two main programs that are offered by the MSHDA. Check with your local Loan Officer for details.

There are many other smaller programs available to your specific area. For instance in Hastings there is Down Payment Assistance of up to $10,000 and Repair Assistance of up to $20,000 available. This program is truly amazing and I am currently reaping in the benefits. The Down Payment Assistance and Repair Assistance are considered a second loan. This loan is 0% Interest / 0 Payments and if you live in the house for 10 years or more the loan is forgiven. This program is currently available in specific areas so call me for details.

These MSHDA programs are great for beginners. There are also options for current homeowners. Any questions on these great incentives drop me an email, text, phone call or stop in and say hi.

Justin Peck and Miller Real Estate....
....ALL REAL ESTATE / ALL THE TIME!!

Miller Real Estate
149 West State Street
Hastings, MI 49058
269-945-5182

Justin Peck
Cell : 269-760-4965
Email : bigjay1585@hotmail.com