A person who has purchased a home of his own can truly appreciate the difficulties he has to face during the entire process. Even the U.S government is not blind to this problem as is evident from the steps it has taken to solve this problem.

However, the government does not work only on empty sympathy. In fact, the Housing Department of U.S Government has provided the citizens with all the necessary information relevant to housing that can be immensely useful during home purchase process.

There are essentially nine home buying tips from housing department of US government that should be followed by people interested in having a perfect home of their dreams.

Affordability and your limits: Before you buy any property, you should know your limits thoroughly well. Try and analyze your budget objectively and determine the affordable proposition for you. You need to also check out whether renting the property is going to be a better proposition or not. Your home economics should not be affected adversely.

Knowing about your rights: Many citizens falter in this step, as they are not quite aware about their own rights while they are buying property. There are many laws and acts that pertain to Housing and Estate Settlement which should be studied in depth before many reaching sort of decision.

Hunt for the best loan: This is the most important step as if you don’t get the right kind of loan; you will have to slog repaying it. You should ask FHA for help when it comes to loans. A market research is also very important, as you need to do interest rate comparisons.

Know more about the home buying programs: There are many grants and programs that the U.S. Government extends to help the ones who cannot manage buying a house just like that. The home buying programs are meant for everyone and you have to meet just certain qualifying requisite needs.

Home hunt: This can stand to be the biggest and the most prolonged shopping experience of your life. Shopping for the perfect home is a real Herculean task. Create a wish-list that can fit in your budget and then strive to get closest. Create a checklist that can be ticked time and again whenever one task is accomplished. You can check which kind of home suits you and your family the best and then go in for the final buy.

Negotiation matters: Negotiating with the seller is an art. There is always going to be something lucrative, but you shouldn’t fall for plans like these. Negotiation and bargaining about the cost is a must. If you do not haggle properly, you might just end up paying more than the other buying the same kind of property.

Official Home inspection: Request the authorities to inspect the home thoroughly before you buy it. A cost evaluation of the house is a must before you sign the deal.

Get the right homeowners insurance: Getting your property insured is very important and hence, finding the right type of homeowner’s insurance is very important. It should be one that will pay right amount at the right time.

Sign the papers: After the first eight steps are successfully completed, you are supposed to finally sign the papers and finalize the deal to your utmost satisfaction.

John Goldman is one of the foremost advisors in matters relating to Government Grants and Financial Aid. To learn more about government grants and how to apply for them visit the Government Grant USA website

[tags]home buying tips,Purchasing tips,Information regarding investment,house property tips[/tags]

One Thing For Sure Chicago Real Estate is changing, and we are not just talking about changing the name of a famous landmark from The Sears Tower to The Willis Tower. Yes mayor Richard Daley, during a public renaming ceremony hosted by Willis Group Holdings recently introduced to Chicago the Willis Tower. But that is not the only change to big Real Estate in The Windy City

Some big changes are happening in the way real estate changes hands. Paul Rodgers, senior vice president of Oak Brook, Illinois-based Inland Real Estate Auctions, Inc. said his firm is seeing a 30 to 40 percent increase in commercial auctions that includes almost every major type of commercial space. More and more sellers are using auctions to sell commercial properties.

Chicago’s office market continues to soften due to ongoing job losses and reduced demand, and this weakness will be compounded this year by accelerated completions and an increasing amount of sublease space. This according to a second-quarter Office Research Report by Marcus & Millichap.

Here are some of the interesting points of the most recent Chicago Office Research Report:

Employers are projected to cut 135,000 positions in the Chicago metro area this year for a 3 percent reduction, following a 2.4 percent decline in 2008. Office-using job losses are expected to amount to 46,000 positions, a contraction of 4.1 percent.

Office deliveries are anticipated to accelerate in 2009, due almost entirely to increased activity in the city. Developers are forecast to complete nearly 4.1 million square feet. After 3.4 million square feet came online last year.

Continued job losses in office-using employment sectors and ramped up construction are expected to push metro-wide vacancy to 19.7 percent by year end, 360 basis points higher than in 2008, when vacancy rose 70 basis points.

Lease renegotiation will likely become more prevalent in the coming months, suppressing rents. Asking rents are projected to finish the year at $26.26 per square foot, while effective rents will drop to $21.09 per square foot, annual declines of 3.9 percent and 6.0 percent, respectively.

Local and county governments throughout the state are scrambling to find ways to generate enough money to stay afloat during these tough times without sacrificing public safety, road construction or basic services that range from inspecting structurally unsound buildings to picking up stray dogs from neighborhood streets. “It’s far worse than anything I’ve seen,” said Larry Frang, executive director of the Illinois Municipal League. He’s been with the league since 1974.

So here is where the changes are, more Commercial Real Estate Auctions, softening office market, employers cutting positions, more unneeded office inventory, continued job losses and stray dogs running in neighborhood streets.

And you though changing the name of the Sears Tower was bad.

Richard Bonn is the owner of Awesome Web Marketing. For more information on Richard please visit http://www.Chicago-Homes-RealEstate.com

[tags]Chicago Homes, Chicago Il Homes,[/tags]

Austin area home sales are down from a year ago, but prices are holding steady. There are many factors making now a good time to buy: low interest rates, tax incentives for first time buyers and cooperative sellers. As consumers change their spending habits, houses are once again being seen as a long-term purchase of a home and not a quick investment. While the days of the house-buying frenzy are long gone, plenty of serious home buyers remain.

Like the rest of the country, Austin’s real estate market is still lagging behind other areas of growth in the economy. While local economists predict Austin will gradually recover from this recession in 2010, housing isn’t expected to rebound as quickly. Jim Gaines, a research economist with the Real Estate Center at Texas A&M University recently told the Austin-American Statesman that he sees the housing market ending this year with numbers comparable to those in 2002 and 2003. He predicts the Austin area median home price will end the year down somewhere between 1 and 5 percent. Currently the median home price is down one percent from a year ago.

Nationally, home sales have grown at a slow but steady rate since the beginning of the year. According to the Associated Press, sales of previously occupied homes rose by 2.4 percent from April to May, marking the third consecutive increase this year. Foreclosures across the country are bringing out the bargain shoppers and account for about a third of home sales nationally. This has also lowered the national median home price 16.8 percent from where it was a year ago.

Austin certainly has seen a rise in the number of foreclosures over the last eighteen months, but they don’t seem to be affecting home values. Foreclosed properties have dragged home values down significantly in some parts of the country, exacerbating the housing crisis even more. However, Austin area foreclosures represent a relatively small fraction of the supply of homes on the market.

Just like the rest of the news on the economy these days, the housing market falls into the category of “not as bad as expected” rather than actual gains. The Standard & Poor’s/Case-Shiller index measuring home values in 20 major cities is down 18.1 percent, a decline for the third straight month. However, the decline was not a record low and better than analyst expected, according to the Associated Press. In fact, eight of the metro areas in the index posted price gains, including Dallas with the largest increase at 1.7 percent. Overall the index is off nearly 33 percent from the peak in home prices in the spring of 2006.

So, is it a good time to buy a house? All indications are that home prices are fairly stable overall in the Austin area. In fact, analysts like Gaines believe it’s much more likely that prices will creep up rather than take a sudden plunge. That may not be good news for the bargain hunters, but it does mean that buying a home right now is a sound investment.

Ki began working with Austin Texas real estate a decade ago. He created a searchable website where buyers can search for Austin homes for sale. In his free time, Ki enjoys the Austin music scene. He also writes on his blog which covers news and statistics on the Austin real estate market

[tags]Home values, home prices, mortgage rates, austin texas real estate, economy, austin homes for sale[/tags]

It appears that by every metric, except foreclosures, the housing market has stabilized and many areas of New Jersey and some are recovering. This according to the data released in the past few weeks.

Nationwide, existing home sales in June are up 9 percent from January, on a seasonally adjusted basis. Sales of new homes have climbed 17 percent during the same period. And construction, while still anemic, has risen almost 20 percent since the beginning of the year. But in the New Jersey-Long Island metro area, the jobless rate rose to 8.8 percent in June, from 8.2 percent in May, the Labor Department said.
Unemployment figures will lag behind as an indicator, but still the data is mixed.

New Jersey’s largest builder, K. Hovnanian, did not see a particular surge in June, but instead have seen an uptick overall since March, division president Jim Driscoll said. The company put several developments on hold, or mothballed them, and are focusing on selling out their current communities. What has helped is that inventory is down. For example, K. Hovnanian has 12 potential homes left in the 100-unit community Hunter’s Brook in Hackettstown, Driscoll said.

Buyers may have been trying to slide in under a November 30 deadline for a first-time home buyer tax credit of $8,000 available to people below certain income levels who have not owned a primary home within the last three years. It’s too late now for someone to start building a new home and have it finished and move in by the deadline, Driscoll said. “First-time home buyers are an extremely important part of our local market here in Bergen County” Mary Ellen Courtney of Gateway Realtor said. They’re the ones who will benefit the most by this unusual tax credit,” Courtney said.

U.S. builders broke ground on more houses than forecast in May, offering a sign that the industry’s slump, now in its fourth year, may be approaching an end. Toll Brothers, the largest luxury home builder, and Hovnanian, New Jersey’s biggest builder, this month reported quarterly losses as revenue plunged. Still, the companies narrowed their losses from a year earlier.

“Some buyers are beginning to re-enter the new home market,” Robert Toll, chairman and chief executive officer of Toll, said in a June 3 statement. “Cancellations appear to be leveling off” even as “concerns about job security and the economy continue to inhibit traffic,” he said.

The rental market in New Jersey, which up to now has only grown stronger as the sales market declined, is finally showing its own signs of weakness. In Edgewater, where Savanna Partners put $100 million into converting the Peninsula at City Place from rental to condo just two years ago, units are now being offered as rentals again. This time with two months free on a 14-month lease.

Jonathan Schultz, a partner at Pyramid Property Partners, the developer and owner, said two and three bedroom apartments were leasing for $2,300 to $2,800 a month, while the two penthouses (which used to be listed for sale at nearly $1 million each) were renting for $3,000. “We’ve noticed vacancy creep across northern New Jersey,” said Jonathan Moore, a vice president at the Value Companies, which owns 3,500 apartments in four states, “Where it used to always be 99 percent occupancy, now you see 96, 95, 94 percent occupancy.” Now Value is offering renter incentives at about half its properties, according to Mr. Moore.

Uptick, down tick, recovery or no recovery the numbers coming in are a mixed bag at best.

Richard Bonn is the owner of N-J-Homes-For-Sale.com. For more information on Richard please visit http://www.N-J-Homes-For-Sale.com

[tags]NJ Homes, New Jersey Real Estate, K. Hovnanian, New Jersey Real Estate,[/tags]

Rejection can cause a homebuyer to experience heartache and disappointment. A seller is not forced to shoot down a homebuyer’s offer for the buyer to feel completely horrible. All the seller needs to say is one word “No”, and the offer is null and void.
Here are the top four reasons as to why a potential home bid is rejected:

The number one reason why offers are rejected is because of a lower than list price offer.

1.) A seller could feel insulted if an offer is not large enough, the seller may get the impression the buyer is not serious enough.
2.) A seller could be too mad to respond and could reject the offer immediately.
3.) If the house is new on the market, the seller could feel it is a bit too early to entertain offers that are lower than the listed price.
4.) In most provinces , a seller is not required by law to respond to lower offers.

Offer rejection may be because the buying agent is less than pleasant. An agent that has less than scrupulous ethics should have their real estate license revoked because nobody wants to deal with a professional that is like this. Agents who have no ethics or manners are wasting their time and making their potential customers miserable. If the buyer’s agent is annoying the listing agent, especially during an offer dealing with multiple situations, it does not look good on the agent’s buyer. Make sure your agent never does the following things:

1.) Raising of voice or screams on the phone or in person
2.) Forgets to use manners and say please as well as thank you
3.) Issues demands or delivers ultimatums
4.) Acts insulting towards the listing agent by printing out market data or sale information, making an agent appear stupid or inept ( even though this may be true)
5.) Acts demeaning towards others
6.) Acts aggressive or pushy towards others
7.) Does not act in a professional manner at all times

There is nothing saying a listing agent cannot take two similar offers to a seller saying, “I don’t prefer Agent A, however, Agent B is very professional. Select whichever offer you want.” Do you believe that the buyer is going to select Agent A’s proposal? Do not forget the business of real estate is alot about networking; being polite and ethical earns respect, acting unscrupulous does not. Do not let your agent sabotage your chances of buying your dream home; if it does not have anything to do with price, it could be more than likely the agent!

Reason for having an offer rejected: Listing agent represents the competition. A relatively unknown practice among consumers is the variable or dual-rate commission discussion that an agent will sometimes include in the listing agreement. This means the listing agent has an understanding with the seller that if the listing agent also ends up working with and representing the buyer, the listing agent will reduce the fee (because of a dual commission being earned).

An example would be if the listing agent is supposed to receive 6% commission, 3% for listing and 3% that is to be given to the broker, he or she might agree to take only 5% total if working for both sides of the deal. Therefore, if your personal agent writes up an offer, the seller will spend more and net less profit. Ask your agent to check with MLS to see if the commission rate is variable.

Offers are rejected because the buyer didn’t meet the sellers particular needs

A buying agent should contact the listing agent to find out if the seller has particular requirements or contentious points. If so, include them in the offer.

1.) If the seller requires a long escrow, offer the seller a long closing date.
2.) If the seller wants to see a large monetary deposit, make an increase in the deposit.
3.) Sometimes the financial terms in MLS are not fulfilled. For example, the seller will accept only offers in cash; do not believe for one second an offer with FHA terms to be acceptable.
4.) If the seller expresses concerns about repairs, make an offer to purchase the property as is, after a visit from a home inspector.
5.) The seller may want the buyer to have pre-approval for financing, point being you won’t have any idea as to what the seller wants if you don’t ask.

RealtyStock.com is a free unbiased Toronto real estate listings website that is designed to help buyers find Toronto houses for sale. We have simplified the Toronto real estate search process by listening to the market and utilizing cutting edge technologies. RealtyStock.com has also been created to help Toronto Real Estate Agents and Brokers increase their listing’s market exposure and promote themselves.

[tags]real estate agent, real estate, toronto real estate listings, toronto real estate listing, buying ho[/tags]

Prior to purchasing property, it is important to be well versed in all available options. Investing in real estate is almost always a wise move, but it is careful consideration that is the anchor of the successful investor.

Though the economic climate in this country has continued to worsen, the downward spiral has amounted to quite the boon for many a home buyer: plummeting prices and low interest rates in the current housing market have led straight to the deal of the century for many of those who have needed it the most.

Being prepared to take advantage of the current climate could make all the difference between rendering your dreams to reality or watching them helplessly drift away. Knowing what you need and knowing how to get it are essential to real estate success.

The first thing you need to be sure you have is excellent credit. Purchasing property might be the most important move that you or your family will ever make. Not only must you start saving for your down payment well before it is time to buy, you must also start getting your credit in order before you must actually sit down to apply for a mortgage.

If your credit history is good but not great, (perhaps with just a blemish or two), most lenders will simply ask for a written explanation. If the explanation is reasonable, many lenders will overlook the problem, especially if the infraction is on the older side and your credit has been well maintained for a while.

It is more than just your score: As scoring in the mortgage industry grows more and more sophisticated, lenders have started to pay attention to other factors as well. For example, there might be concern if your credit cards have all been at their maximum spending limit, as this could be an obvious indication of difficulties with debt management.

Mortgage lenders also look at the number of recent inquiries into your credit report and interpret a large number of inquiries to mean that you have recently applied for a large amount of credit. They may elect to deny you credit based on this evidence, assuming that you have too much credit available already.

One question every person looking to buy a home should ask themselves is whether or not they are prepared to stay in that property for a long period of time. Experts agree that it is best to buy a home where you plan to reside in the property for at least 3 to 4 years due to the high transaction cost of buying and selling property.

Be certain in what you are doing before you sign on the dotted line. Will you be able to cover the costs of closing and moving, as well as the down payment? How about the countless extra expenses associated with owning a home, such as regular maintenance and repairs, insurance, utility bills, and the purchase of major appliances?

Once you know that you are ready to take on the financial challenges of owning a home, the rewards are surely worth it. Following the above steps will help to put you in the pole position for an outstanding mortgage rate. Of course, that will make it that much sweeter when you finally turn the key to your new front door for the very first time.

Sean Platt is a gifted ghostwriter currently writing about Long Beach Real Estate.

[tags]real estate, buying property[/tags]

As is the case with any business, time is money. Your time spent as a real estate wholesaler needs to be aimed at finding the best deals, the most motivated sellers and the most anxious buyers. If you haven’t been pre-screening your sellers over the phone, you need to come up with a fail-proof strategy that will save you time and energy. Here are a few can’t miss tips.

Building a Rapport

First, you want to get to know the person on the other end of the line. Yes, saving time and getting to the nitty gritty is key here, but a home seller isn’t going to delve into the real reasons behind why they are selling their home if you don’t talk to them first. Building a rapport can be difficult, especially if the person comes off as some kind of professional home flipper. If that is the case, than simply tell them that you aren’t the kind of person they are looking for and that they need to call someone else. The perfect home seller for you is someone who is motivated to sell, has an approximate figure in mind and someone who has a legitimate reason why they need to sell as quickly as possible.

Checklists, Please

Before the phone rings, you should have a checklist in front of you of things you need to ask every potential home seller. Make sure you get an address, square footage, number of bedrooms, property size and other essential questions. Once you have the basics out of the way, you want to begin to delve deeper into the real reason behind why the seller wants to sell. You want to avoid coming right out and asking since it can seem rude or almost like you don’t trust the person you are talking to, but essentially you want to build towards the inevitable questions of: What is your main reason for selling, What is your asking price, approximately, what are you looking for in a buyer and do you need to complete the sale as quickly as possible?

Scripts Help

In addition to having a checklist, you may want to consider writing a small script, at least until you get the handle of talking to prospective buyers. Of course, you will need to practice in front of a mirror so you can deliver your scripted lines without sounding mechanical, but having a guide in front of you can help you cover all the points you need to.

Things to Avoid

One common time wasting trap that many wholesalers fall into is agreeing to trek out to the property and viewing it yourself. If the home is right down the road, it may be worth it, but otherwise, you have to dedicate time to seeing the home, doing research on what the appraised property value is among other things. You could be spending that time talking to truly motivated sellers instead of someone who wants you to do the leg work for them. Those wholesalers who are motivated and excited about their new job often race off several times a week to potential sellers only to find out that they are dealing with home flippers that aren’t going to be offering a truly discounted home price. Stick to your script, have a checklist ready and build a rapport with the seller so you can discover the true reason why their home is for sale.

It can be tough for some wholesalers to get over the idea that they are taking advantage of motivated sellers, but it is only truly motivated sellers who offer you the best chance at turning a quick profit and making wholesaling a career you can count on.

FREE VIDEO: “How to Get Rich From Real Estate the ‘Lazy’ Way and Never Be Humiliated Because It’s 100% Risk-Free” Click here to watch the FREE video:
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[tags]buying real estate, wholesale homes, real estate investing, beginners guide to real estate[/tags]

Some surprising statistics are starting to appear giving support to a rebound in the New Jersey home market.

According to RealtyTrac, initial foreclosure filings on New Jersey homes have fallen through the first half of 2009, and government programs are getting some of the credit.

Foreclosure activity has dropped up to 25 percent across the first half of the year compared with the same period the previous year. That bucks the national trend, which shows foreclosures rising in most states.

Some feel the state’s foreclosure rate may be falling because New Jersey was not as exposed to the plague of sub-prime mortgages as other states and Trenton and industry groups have been pushing foreclosure prevention programs so home prices have not fallen as much here as in other areas of the country.

Jeffery Otteau, whose firm Otteau Valuation Group studies the New Jersey real estate market told a recent gathering of New Jersey real estate agents, “while home prices have fallen it has not been as much of a slide as it has been in other parts of the country and is well below the national average. That’s taken away incentive for some borrowers to desert their houses”.

Adding to the more positive outlook is the federal stimulus program. Currently New Jersey is preparing for a deluge of money to do energy-saving home improvements for low-income families. New Jersey, which is to get $118 million in stimulus funding for 13,000 housing units, began this month to provide local agencies with training and technical assistance, and money to buy equipment and vehicles.

A company spokesman for New Jersey-based builder K. Hovnanian said recently at its community in New Windsor, N.Y., several homes were sold in June to people who wanted to close quickly. New home sales rose nearly 30 percent in the northeast over the previous month as buyers took advantage of low interest rates and a first-time home buyer tax credit.

The Commerce Department reported that 29.2 percent more homes were bought in June than in May, adjusted for seasonal buying patterns. It’s the highest level of activity since November, but still down 11.4 percent over the pace of the same month last year.

E. Robert Levy, the executive director of the Mortgage Bankers Association of New Jersey said mortgage rates were at record lows in April, and have hovered about 5 percent for much of the year, giving people the opportunity to refinance into more affordable mortgages.

All in all this might be shaping up to be a great time to buy real estate in the Garden State.

Richard Bonn is the owner of Awesome Web Marketing. For more information on Richard please visit http://www.N-J-Homes-For-Sale.com

[tags]NJ Homes for sale, New Jersey Realestate,[/tags]

Have you waited patient for the floor of the current dip in the national real estate market. Have you promised yourself year upon year that when prices finally did find the end of the long plummet, you would be able to capitalize on your opportunity and grab something great that could make your future better?

Yet as prices have continued to fall, you have managed to manufacture a steady stream of excuses about why it is better to keep on waiting?

That time is now. There has never been a better time to purchase a property in this country, at least not in your lifetime. Prices might not have quite yet hit the floor, but they are getting closer by the day. Not only that, but the current selection is swimming in abundance and the opportunities are available in multiplicity.

Yes, now is surely a remarkable time to add an investment property to your portfolio. The entire country is crammed with houses, condos, and plenty of properties made for profit - all ready to provide a positive cash flow before the ink on the loans is even dry.

Is there a deal on every corner in every city and state? No, of course not.

Is every seller in the country willing to take twenty cents on the dollar just because they are desperate? No, of course not.

Will the right realtor be able to find the perfect investment that will yield their client a wide multiplicity in the long term? Absolutely.

There are thousands of investment properties that are currently available at unbelievable bargains. If you are unable to find one that amply suits your needs or goes well beyond your expectations, than it is perfectly possible you will never find something suitable. If you are interested, then it is essential for you to define your expectations, then leap over them without looking back.

Before buying a property, take the time to know what you can afford. Make an appointment with a lender and find out not only how much money you will have available to you for the down payment, but how dollars may be wielded in excess for the inevitable repairs need. Remember, even the best properties on the market usually require a bit of touch after the passing of the keys.

The bottom line is this - it is time to take action. How many people do you know who say, “I got this amazing deal a decade back when prices were at their low and I am still making plenty of money from it each and every month.”

There is no reason to not make it you.

Sean Platt is a ghostwriter who is currently writing on the state of Long Beach Real Estate.

[tags]real estate, buying property[/tags]

As someone looking to purchase a home or as a Realtor looking to help your client find a home, it is no small secret that the first question is, how much do you qualify for or how much do you want to spend?

More often than not, people have a number in their mind, say $150,000 for our example. So again more often than not, people in this case would go looking at every house listed around $149,000, right?

So then what people find is say 50 houses “in their price range” and they go and look at 2/3rd’s of them and none seem to fit what they are really looking for. Then the Realtor gets tired of driving the buyers around and the buyer starts getting more and more frustrated as the search seems to go on and on.

OK, so here is the secret:

Look at houses $10, $20, $30, $40, and $50,000+ LESS than you are qualified for, but in the neighborhoods you want, with more square footage, number of bedrooms, and on a larger lot than you thought you would ever dream of owning.

The deals are out there right now, no question about that, but the “problem” has been that these houses you might be looking at “need too much work”, the kitchen is from 1978, the green shag carpet has holes in it, the A/C units were stolen, or maybe you just don’t like the pink tile in the master bathroom.

The “secret” of the 203k renovation loan is that it allows you to keep money in your pocket and roll a majority of those cosmetic and other items that need to be repaired to get the property up to FHA minimum standards (health and safety issues) into the loan.

With only 3 1/2% down buyers are now also simultaneously improving the value of the property by bringing it’s finishes “into our decade.”

So again, what is the real secret?

Pick your new carpet. Pick your new kitchen. Pick your new paint colors. Then go find the house. Imagine the possibilities. It may seem kind of strange to bring up a quote from Gandi in an article about 203k renovation loans, but he said “Be the change in the world you wish to see.”

The 203k renovation loan was brought back to help restore pride in our local communities and eliminate the catch-22 of buying a home and then not having the cash to customize the property the way someone would want it.

The 203k is the means by which the FHA is allowing each of us to contribute to the change in the world each of us would wish to see in our own homes and communities as well.

Richard Bonn is the owner of 203K Renovation Loan. For more information on Richard please visit http://www.203KRenovationLoan.com

[tags]203k Renovation Loan, Renovation Loan,[/tags]