Palmetto Heroes FREE Grant MONEY $7,000

Offering a helping hand to “everyday heroes” so they may achieve homeownership is the aim of the “Palmetto Heroes” program announced by the South Carolina State Housing Finance and Development Authority. Under the program, eligible “Palmetto Heroes” namely teachers, law enforcement officers, and persons in emergency services can get a 5.125 percent interest rate through the South Carolina Housing ’s First-time Home Buyer Program. The $40 million initiative will also provide a down payment assistance loan of up to $7000 dollars. South Carolina Housing Executive Director Valerie Williams says the down payment assistance loan could even be forgivable over time, depending on the borrower’s income. Williams says everyday heroes give so much to others and they deserve a helping hand.

“This program is available to our teachers, law enforcement officers, fire fighters and first responders(meaning EMS workers) who are currently certified in their professions and reside and work in South Carolina or have a contract to begin working in the state within 60 days of closing.” Mortgage loans can be up to 30 years and are available through any of the South Carolina Housing’s network of more than 200 private sector lenders and brokers statewide. Williams says the program not only provides helping hand the everyday heroes across the state, it is an investment in the communities in which they live and work.

“We hope this will provide a recruitment incentive, and in some cases a retention incentive to enable them to work where they live. We not only commend these workers who are so vital to the future of our children and of our state, we are looking to invest in them by creating this program.”

South Carolina Housing is a self-supporting agency of state government and does not receive a state appropriation.

The program includes a $75,000 grant from South Carolina Association of Realtors to help each of the first 300 participants in the program with incidentals associated with purchasing a home. Nick Kremydas, CEO of SC Realtors, says far too often many public servants can’t find affordable housing in the communities that they serve. “

For details call Edwin Gerace @ 803-609-7653 or email mail@609sold.com

PALMETTO HERO PROGRAM

PALMETTO HERO PROGRAM “ from SC Housing!
IT IS BACK

WHAT GROUP OR GROUPS WILL IT TARGET? · TEACHERS - POLICE OFFICERS - CORRECTIONAL OFFICERS - FIRE FIGHTERS AND EMS

WHAT AMOUNT ILL BE OFFERED? · Previous Program allows $5000 in Down Payment Assistance! BUT NOW THE TARGET GROUP CAN RECIEVE $7,000

WHAT WILL BE THE RATE? · Rate are likely to be attractive due to new relationship with US Bank – No longer dependent on Bond Sales

HOW MUCH FUNDS WILL BE AVAILABLE? · Previous program allocated a limited amount of funding for this program and it was used quickly!

Good for Teachers, Policemen, Correctional Workers, Fire and EMS.

Call Edwin today for details 803-609-7653

Free Home Buyer Seminar Nov and Dec

PRESS RELEASE

Columbia, SC – November 9, 2009 - FREE homebuyer seminar will discover the Home Buying Process from beginning to end.

Seminar to include these three important steps. First step is Home Buying process and explain the changes in the Tax Credit and the how to buy a home. Second, step the mortgage process, and the potential FREE GRANT MONEY.
Third step would be the closing process in buying home.

The seminar will host professionals in the home buying process to offer FREE information about the home buying process. There will be professionals in those areas to answer questions about those areas. There will be information about the $8,000 Tax Credit, who qualifies and who is eligible for the new tax credit
Time is still essential come to the seminar to find out why

Free Home Buyer Seminar is being offered in Lexington, West Columbia, Columbia, and Irmo.
This is an informational FREE seminar about the home buying process.
The seminar will be available for groups, civic organizations and others on request.



The schedules for the following seminars are as follows:

November 16, Lexington Library 6:00pm-7:30pm Call Edwin Gerace for details 803-957-5566
November 19, West Columbia Library, 6:00pm -7:30pm Call Jason Compton 803-957-5566
November 23, Lexington Library 6:00pm-7:30pm Call Craig Connelly for details 803-957-5566
November 23, Irmo Library 6:30pm-7:30pm Call Jeff Riley for details 803-467-6440
December 7, Lexington Library 6:00pm-7:30pm Call Edwin Gerace for details 803-957-5566
December 14, Lexington Library 6:00pm-7:30pm Call Craig Connelly for details 803-957-5566

This seminar is FREE but please RSVP is suggested due to the demand.
Follow us on Twitter http://twitter.com/freehomeseminar
Follow us on FaceBook Home Buyers Seminar
For more information 803-957-5566
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Free Home Buyer Seminar Nov and Dec

PRESS RELEASE

Columbia, SC – November 9, 2009 - FREE homebuyer seminar will discover the Home Buying Process from beginning to end.

Seminar to include these three important steps. First step is Home Buying process and explain the changes in the Tax Credit and the how to buy a home. Second, step the mortgage process, and the potential FREE GRANT MONEY.
Third step would be the closing process in buying home.

The seminar will host professionals in the home buying process to offer FREE information about the home buying process. There will be professionals in those areas to answer questions about those areas. There will be information about the $8,000 Tax Credit, who qualifies and who is eligible for the new tax credit
Time is still essential come to the seminar to find out why

Free Home Buyer Seminar is being offered in Lexington, West Columbia, Columbia, and Irmo.
This is an informational FREE seminar about the home buying process.
The seminar will be available for groups, civic organizations and others on request.



The schedules for the following seminars are as follows:

November 16, Lexington Library 6:00pm-7:30pm Call Edwin Gerace for details 803-957-5566
November 19, West Columbia Library, 6:00pm -7:30pm Call Jason Compton 803-957-5566
November 23, Lexington Library 6:00pm-7:30pm Call Craig Connelly for details 803-957-5566
November 23, Irmo Library 6:30pm-7:30pm Call Jeff Riley for details 803-467-6440
December 7, Lexington Library 6:00pm-7:30pm Call Edwin Gerace for details 803-957-5566
December 14, Lexington Library 6:00pm-7:30pm Call Craig Connelly for details 803-957-5566

This seminar is FREE but please RSVP is suggested due to the demand.
Follow us on Twitter http://twitter.com/freehomeseminar
Follow us on FaceBook Home Buyers Seminar
For more information 803-957-5566
#####

FREE Home Buyer Seminar

PRESS RELEASE
Community Service Information Summit
Columbia, SC
Ph. (803) 957-5566 Fax (803) 957-4759

For Immediate Release

For More Information, contact Edwin Gerace, 803-609-7653






Free Home Buyer Seminar in a Location near you.
Learn about the Home Buying Process
Learn about the Mortgage Process


Columbia, SC - August 15, 2009 - This FREE homebuyer seminar will focus on 3 areas of the Home Buying Process. First step is Home Buying. The second step the mortgage process, and the potential FREE GRANT MONEY. Step 3 would be the closing process in buying home. The seminar will host professionals in the home buying process to offer FREE information about the home buying process. There will be professionals in those areas to answer questions about those areas. There will be information about the $8,000 Tax Credit, who qualifies and who is eligible for the credit. TIME IS RUNNING OUT ON THE TAX CREDIT
Free Home Buyer Seminar will be offered in Lexington, West Columbia, Columbia, and Irmo. This is an informational FREE seminar about the home buying process. The seminar will be available for groups, civic organizations and others on request. The schedules for the following seminars are as follows:
September 21, Lexington Library 6:00pm-7:30pm Call Edwin Gerace for details 803-957-5566
September 28, Irmo Library 6:30pm-8:00pm, Call Jeff Riley for details 803-467-6440
September 29, Elgin Library 6:00pm-7:30pm Call Craig Connelly for details 803-957-5566
October 5, Lexington Library 6:00pm-7:30pm Call Edwin Gerace for details 803-957-5566

This seminar is FREE but RSVP is suggested due to the demand.
Follow us on Twitter http://twitter.com/freehomeseminar
Follow us on FaceBook Home Buyers Seminar
For more information contact Edwin Gerace at 803-609-7653

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Straight Talk with Edwin Gerace

Let us look at the big picture that the economy we are in is not in the shape it was in 2008. Does that mean 100% doom and gloom? No, what that means is opportunity. The federal government and local governments are looking for ways to stimulate the economy with housing being the vehicle. Right, wrong or indifferent about your political views or opinions, things are happening.

Recently in housing, some great opportunities were available to many home buyers. Many of these opportunities were time sensitive and did not have unlimited amount of funds. Were they there, yes they were. Did many people take advantage? Yes, they did and many missed the chance.

Example of missed opportunity. I do A FREE HOME BUYER SEMINAR 2-3 times a month at Lexington County Library. I explained the home buying process and the steps involved. Then I have a mortgage professional explain mortgages and the process in buying a home. A local attorney explained the closing process. At the conclusion, we explained how a home buyer that qualifies could receive up to $30,000 in FREE GRANTS AND OTHER SOURCES ( Rural Housing, Lexington County Grant, and Tax Credit) on a $100,000 home. That is 30% pure equity for buying a home now vs. waiting.

As of today (August 26, 2009) that $30,000 is down to $18,000. On December 1st that amount goes down to $10,000. I cannot predict the future of the remaining or if other sources will appear. What I can tell you is that in July, you could have received $30,000 and in December, you can only get $10,000. In an economy where money matters, I would think some people were concerned about a $20,000 loss.

What I am trying to say is, call you local real estate professional, and call your local mortgage professional and say, do I qualify for grants and local funds? If they say they do not know, you need to talk to someone else!!!!!