Do you rent, or live with family or friends?

Have you dreamt of one day owning a home of your own?

That “one day” could be now.  There is a “Perfect Storm” on the horizon for first time home buyers--a time when several things have come together simultaneously to create an incredible buying opportunity.

• Home prices are low; there are many long-term values in the market place.
• Mortgage rates are also near all-time lows.
• There is an $8,000 First Time Home Buyer tax credit until April 30, 2010.

This could all add up to save you money-- lots of money--and make buying a home now a great investment. An opportunity like this may come along only once in your lifetime. Someday people will look back at this time, right here, right now, and say “remember when?” But it won’t last forever.

It’s worth your while to explore the possibilities of home ownership now with an Honor State Banker. You’ll like our competitive rates, plus we make our loan decisions locally, so you won’t have to wait days for your approval.

Call or e-mail one of our mortgage originators today for a no obligation consultation.

Beulah area
Alan Luedtke  (231) 639-1783
AlanL@honorstatebank.com

Manistee area
Mike Jones  (231) 639-1769
MichaelJ@honorstatebank.com

Traverse City area
Jim Hills (231) 932-1164
JamesH@honorstatebank.com