• Fixed 30-40 year loans BELOW market interest rates

• NO adjustable loans

• Buy anywhere in the U.S.

• Down payment assistance available  

• Zero down payment

STOP MAKING YOUR LANDLORD RICH AND OWN YOUR OWN HOME NOW!

Dear First Time Home Buyer:

Are you tired of paying rent with nothing to show for it?  Yes, you have a roof over your head, but let's face it, each month your money goes down the rental drain.

You've probably said to yourself more than once there has to be a better way but right now you don't see a way out of the rental rut you're in, especially in the current real estate market.

I have some great news for you!

Federal, State, local, and non-profit organizations have billions of dollars in gift funds available for home buyers.  You may qualify for up to $50,000 or more in free down payment money and not even know it.

These programs are available to people at a wide range of income levels and much of this money goes unused because people are unaware of the availability of these funds or they don't know how to go about applying for them.

Things have changed since your parents bought their home.  You no longer need to fork over your life savings in order to buy a house. There are hundreds of little know programs in the U.S. that give out free grants, direct payments, discount rate loans and other special arrangements to home buyers.

Why haven't you heard about these programs?

Simply because the non-profit, government, and private organizations that offer these programs do not advertise. They don't have large marketing budgets, rather their money goes to you - the homebuyer.

Many of the programs are fairly new. They've just been created in the last 5 years or so due to changing laws for mortgage funding and housing.

Are the programs just for low income buyers?

No.  In fact the slow down in the housing market has created a plus for ALL first time home buyers.  As a means to keep the economy moving in a positive direction, more new and creative financing programs are becoming available that fit the needs of even the most selective buyers.

In most circumstances anyone who has not owned a home in the past three years qualifies as a "first time home buyer".   The programs generally include:

• Special tax incentives that shelter your regular income

• Many types and styles of homes to choose from - even luxury homes and condos

• Up to 40 years fixed rate interest rates.  This avoids any surprises with adjustable loans in later years that present huge increases in monthly payments.

What about credit problems?

Well, first of all there is no FICO score required for many of these programs.  Although credit is important for your overall financial well being, the fact that your credit might be less than what is considered good credit does not keep you from qualifying for these first time home buyer programs.

Even if you don't have perfect credit or you're self-employed, there are loans and grants available for you.  Whatever your current situation, there's probably a home loan just right for you.

I've been a practicing attorney and real estate broker for more than 25 years and I've put my knowledge, skills and experience to use conducting months of research to find every red cent that's available to you across the country.

You'll learn from my experience and know exactly what to do to get these funds
and move into your new home within weeks

I've put together all the information you'll need in a guide - "Ultimate Guide To Free Downpayment Money For First Time Home Buyers."      
         

                                       

I'll show you step by step how to

• Buy your first home with little or no down payment while keeping your monthly mortgage payments at a payment you can afford. No adjustable rate increases and no surprises that you can't handle.

• Get up to $50,000  or more in free grant money for down payment and closing costs. There are thousands of assistance programs for homebuyers. I've done months of research so you don't have to.

• Avoid predatory lending abuse and get a home even if your credit is not the best. Many of these loans are below the interest rates charged in the current real estate lending market.

• Get sellers to assist in arranging financing for your loans and providing funds to help with closing costs.

• Get free credit counseling and financial advice.

• How to use homeownership to shelter your income and put extra dollars in your pocket for savings, children's college or set up a retirement fund.

• Negotiate the best deal when buying a home.

• Avoid setting yourself up for failure.

• All this and much, much more!

Every month you wait, you flush your hard earned money right down the toilet.

Renting is wasting money. You make your landlord rich but do nothing to help secure your future. By putting those exact dollars into a "house payment" instead of rent, you create equity.  Value that you own, that later can send your kids to college, finance the start up of your own business, or pay for retirement.  Be your own landlord.

I'll show you where to get free money to make it happen

The bottom line is this...

There is free money out there waiting for you to claim it.  If you're not taking advantage of this, you're missing a great opportunity.

The research has been done for you.  All you need to do is act on it.

You'll save time, money and a lot of headaches with "Ultimate Guide To Free Down Payment Money For First Time Home Buyers".

How Much Would You Be Willing To Pay To Learn How To

• Get a free down payment gift of $25,000 - $50,000 that never has to be repaid

• Be able to deduct 90% of the monthly mortgage payments you make off your annual income tax

• Own your own home for about the same amount of rent you're already paying every month.....

$500, $300, even $200?  It would be well worth it.

            I want to make your decision easy. A no brainer.

This is an investment that will give you a return worth thousands of dollars.  The  investment for this guide is normally $97.  However, if you order right now you will qualify for the special limited time investment of only $47 for the e-book "Ultimate Guide To Free Down Payment Money For First Time Home Buyers".  

Selling at this price is only for a limited time and I cannot guarantee that the $47 price will be available in the future. So you should act now and get your copy at the bargain price.

Order Now For This Special Price of $47

I wanted to make the price so low that practically anyone who is serious about buying their first home would be able to easily afford it if they act quickly.

This e-book is offered with a full money back 8 week guarantee if the information does not prove to be helpful to you.  Order before April 15, 2008 and..............

These Extra Bonus Reports are Included

BONUS # 1.Covering your assets ($37 value; your FREE).  This report provides a guideline for creating an asset protection plan for your future. Learn how to shield yourself and your assets from lawsuits, judgments and other actions that might happen in a sue crazy society. Protect your property, bank accounts, retirement, etc.

BONUS # 2. How to earn $50,000 a year in your IRA or 401(k) retirement account tax free. ($25 value; yours FREE). With a self directed IRA or 401(k) you can write your ticket for whatever future you want. You'll find out how in this report.

BONUS # 3. Tax benefits of homeownership. ($21 value; yours FREE). This report reveals the tax deductions and tax sheltering benefits of owing a home and how to use them.

You owe it to yourself to take advantage of this risk free offer at the Special Discounted Price.  This may be the last time that $47 can save you tens of thousands of dollars!

To order your copy of "Ultimate Guide To Free Down Payment Money For First Time Home Buyers" via our secure server today for the low investment of $47, along with your three bonuses click here 

Remember My 100% Money-Back 8 Week Guarantee !!

When you order online, your copy of "Ultimate Guide To Free Down Payment Money For First Time Home Buyers" is made available for download immediately in electronic form. You will be transferred to a 100% secure server where you may input your payment information. Clickbank sells our products - they are a trusted online retailer sepcializing in digitally delivered products. Follow the download instructions."Ultimate Guide To Free Down Payment Money For First Time Home Buyers" will not appear on your credit card statement. If you have any technical diifculties you may contact us directly at roylanders@housingamericans.com or call 619-296-1393.

Don't let this opportunity pass without taking action now!

Order your copy now and in minutes you can be on your way to getting the information you need to get the home of your dreams.

Sincerely,                                    

Roy Landers

P.S.  If you've read this far you have a strong interest in getting free money to buy a home. Will you take action? Remember. If you keep doing what you've been doing you will continue to get what you've been getting. Is it enough? If you want to change your circumstances it takes action. Take the next step and order now. You'll be glad you did.

P.P.S. Remember there is no way you can lose by getting your copy of "Ultimate Guide To Free Down Payment Money For First Time Home Buyers". It comes with a fully refundable 8 week guarantee. If you are not fully satisfied your money will be refunded and you still keep the Free Bonuses. Order by April 15, 2008 and get started toward finding your dream home. Click here to download your copy now!  All information that you enter is kept confidential and no record of your credit card is kept. This is a secure server so no one can can access your private information. We do not rent or sell our customer lists. We respect your privacy. Thank you for ordering today