New Home Sales Sizzles!

March came in and went out like a LION and so did the new home sales for Hartland Homes. We have not had a month this strong since the Spring of 2006! What does this mean? People are tired of sitting on the fence and waiting for the "right time to buy". First-time homebuyers have discovered and are taking advantage of the $8000 tax credit. Home buyers recognize the incredible value Hartland Homes has to offer them.

Are you in the market to purchase a home? Are you a first-time home buyer? Then you are incredibly lucky! This year, when you purchase a home before December 1, 2009 you can claim an $8000 tax credit. If you have no tax liability, you will receive $8000 to spend or save however you please. What is not to love?

If you are looking for a home in the price range of $113,000 up to $250,000 that has a 10 year structural warranty, is energy efficient and built with high quality products, look no further than Hartland Homes.

What is holding you back? Are you worried about credit or down payment? Perhaps you are just worried about the whole process? At Hartland Homes we walk you through the entire process. We make it fun and easy to build a new home. We can help you get your credit up if it is too low and help you determine the best loan for you. There are several options to help with down payment, including a 100% rural loan option, a $15,000 down payment assistance program, and the impact fee rebate. (*must qualify for programs) Hartland Homes also pays your closing costs which saves you a minimum of $2500!

Call a Hartland Homes agent today for more information. 402-477-6668.

Worried About Your Credit?

Are you worried about your credit history? Just about everyone has something in their past credit that is less than perfect. The most important thing is to learn what is on your report, determine what impact that information has on your credit rating, and work on repairing and restoring any damage that may have been done.
Mortgage loan options are rated by credit, labeled like school grades - "A" credit is the best, then down to A-, B, C, etc. Even if you do not have an A credit rating, I can let you know what your options are if you fall into an A- or lower category. The rates are generally going to be higher, and may require a down payment. If you determine that you are not satisfied with this type of financing, then together we can map out what you need to do with your credit and finances for the next six to twelve months in order to qualify for an A credit loan.
There are three main credit bureaus that most creditors (such as credit card companies, banks, leasing companies, etc) provide information to on a monthly basis. Each month, your credit holders report information to the credit bureaus about your current balance, minimum payment requirements, and credit history. If you need specific information from one of the major credit bureaus, following is the contact information for each of them:

Experian Information Service (XPN)PO Box 2002Allen, TX 75013(888) 397-3742

TransUnion (TUC)PO Box 1000Chester, PA 79022(800) 916-8800

Equifax Information Services (EFX)PO Box 740243Atlanta, GA 30374(800) 685-1111

For a credit report and analysis, please call Deb Melichar at 420-2380, Hamilton Lending, Lincoln, NE Or a Hartland Homes representative today! 477-6668