I’m writing to you to help you sift through real estate information that has been in the news that is misleading. ·  First, it’s a great time to purchase a home.  ·    Second, you might have heard that you need a 20% down payment to purchase a home.  NOT TRUE.  Through FHA, your down payment will be 3%, on January 1, 2009 that increases to 3.5% for 30 year fixed rate mortgages. ·   Third, you don’t have to have perfect credit to get financed.  ·   Fourth, there are many programs available for first time home buyers (which include divorcees).  Programs such as:  Down Payment, Assistance,  Closing Cost Assistance,  Shared EquityThese programs allow you to get into a home with as little as $1,000.00 out of pocket with some income restrictions. When you’re ready to purchase or sell a home, I welcome the opportunity to represent you.  I will continue to send you valuable information.  Please don’t hesitate to call or e-mail if you have any questions. Thanks and I look forward to hearing from you.