This is a great home to consider.  And what I like about this property is that the seller understands that the house needs some work and that your offer will reflect the work needed and SHE IS FINE WITH THAT! Yeah, that's right.  She knows.  So......do me a favor  SPREAD THE WORD.  And come on over yourself.  Love to see you.

Oh, and if you are working with a realtor and they are unable to come, come anyway. Just log your name in with theirs and as always, we will honor them.

 The tax incentive, you know the one....up to $8000 for 1st time home buyers, is still in effect but time is running out. You need to be in contract soon. 

Visit our website for information and directions.... 156 Versailles Court, Frenchtown Woods, Newark, DE

Another Great Home Available in Heron Bay.  This home is available now so you can enjoy the beach this summer! This is a 3 bedroom, 2 bath ranch on 1/2 acre.  You will love the open floor plan. There is a full staircase that leads to a floored attic with window. The community boasts the 2nd largest clubhouse and pool in the area with a fitness center, kitchen, and library not to mention how close you are to Rehoboth Beach, Lewes Beach and Dewey Beach. The pool is spectaular 85,000 gallon plus there is a kiddie pool.  Call us today for your personal tour or for a packet of the  comunity with floor plans available.

The picture shown is a similar home.

Another Great Home Available in Heron Bay.  This home is available now so you can enjoy the beach this summer! This is a 3 bedroom, 2 bath ranch with 1.5 car garage on 1/2 acre.  You will love the open floor plan. There is a full staircase that leads to a floored attic with window. The community boasts the 2nd largest clubhouse and pool in the area with a fitness center, kitchen, and library not to mention how close you are to Rehoboth Beach, Lewes Beach and Dewey Beach. The pool is spectaular 85,000 gallon plus there is a kiddie pool.  Call us today for your personal tour or for a packet of the  comunity with floor plans available.

The picture shown is a similar home.

Wow! What more could you want in a home!  This quick delivery model features 3 very large bedrooms, 2.5 baths plus a 2 car garage.  Oh also this home has a separate in-law suite above the garage! This home is absolutely gorgeous!  Other features are hardwood floors throughout, upgraded tile in baths, great room has tall ceilings and fireplace. There is an intercom system, gourmet kitchen with stainless appliances and granite countertops. Added rooms you will enjoy: loft and library.  Upstairs laundry.  Home has 2 story front and back porches and a step up owners suite with sitting room, soaking tub and stall shower. 

Community has clubhouse and pool.  You are approximately 10 minutes to the beach.  Historic Milton just minutes away with its bed-n-breakfasts, restaurants, antique shops and more. 

Call or email us to see this home before it is gone!

Great New Home on 1/2 acre lot.  This is the Fenwick Model home featured at Heron Bay in Lewes, Delaware. Base price of this home is $169,900 and has 2 bedrooms and 2 full baths, 1/2 acre lot, 18 x 7 back porch, granite countertops.  You will love the open floor plan.  Community has a large clubhouse with fitness center, kitchen and library plus a huge community pool and kiddie pool. 3 Bedroom floor plans optional as is garage options available.  Close to Rehoboth and Dewey Beaches and Lewes Beach, boardwalk entertainment, outlet shopping, golf, fine restaurants and entertainment.  Call The Daniels Team to see this community.

Whoahhhhh! This has got to be the best value at the Delaware Beaches! This is the Henlopen Model. 2 bedrooms and 2 full baths, 1/2 acre lot.  Some upgrades available to this basic model are: 1 and 2 car garage, den, additional bedroom.  The community offers a beautiful clubhouse with fitness center, kitchen and library. There is a large inground pool plus a kiddie pool.  Close to Lewes Beach, Rehoboth Beach, Dewey Beach, the outlets, boardwalk entertainment, fine restaurants, golf courses and more.  Contact The Daniels Team to see this community or for more information.    

1. Tidy up kitchen cabinets.

Potential buyers do open kitchen cabinets and look inside.  Try adding a rollout organizing trays so when buyers peek in, they feel like there’s lots of room for their stuff. I know when I am showing a home to buyers, they love pull outs in the kitchen cabinets.  It will bring a new life to your older cabinetry.

2.  Add or Replace Tile.

By retiling very inexpensively, you make a room look way cleaner that it was.  Stores like Lowes or Home Depot offer $1 to $2 tile. (sometimes less) Now you are paying for the low cost tiles and installation (if you are not a handy person).  Remember, very important, know if you are truly handy at installing tile. If you are not best to hire someone. Use this tip to install a new backsplash or replace a backsplash in the kitchen.  Again, my buyers, especially the experienced homebuyer, always love a backsplash. It is so ez to clean up and adds something to any kitchen area.  You can also add this tip for bathrooms.  However, word of caution, if your bathroom has old tile already, you may want to hire that job out.  It is a bear removing old tile (been there, done that and got the T-shirt!

3.  Add a breakfast bar.

When a wall separates a kitchen from a family room, suggest cutting out an opening to create a breakfast bar. Or in some homes, you may have a half wall or cutout already. Add a nice countertop and some chairs & wahlaa.  This can be done for as little as $500-600.

4.  Freshen up a bathroom without retiling.

With a dated bathroom, I recommend putting in a new medicine cabinet for $100 to $150, light fixtures for about $100, a faucet for $50 to $75, and a vanity for $200 to $300. Instead of replacing the tile, the existing grout can be lightly scraped and regrouted, which leaves a haze that can be buffed out and will make the tile look brand new. Also install glass shower doors. A French door adds a lot of panache and elegance for about  $250, and people will notice the door, not the tile. With all that, you’ve done a bathroom remodel for $1,000 to $2,000.

5. Freshen up the basement. 

If you have cement block or poured concrete walls in the basement, I suggest you have a contractor fill in cracks with hydraulic cement and then paint with waterproofing paint. Try adding a top coat to add color. You can also paint the basement floor with a good floor paint, which spiffs it up. The basement may not be finished, but it’s no longer a damp dungeon.

6.  Add a room.

Look for large spaces that can be enclosed to create a new bedroom for just the price of creating a wall. I know someone who closed off a half-wall to an office and added a door to the other side of the room, thus creating another bedroom. That $400 procedure, which took a contractor one day, netted about $40,000 in the sales price. 

7.  Spruce up cabinet fronts.

 Are your kitchen cabinets tired looking? Try reconditioning which is the least expensive move for under $1,000. If the wood is starting to look shabby from use or contaminants in the air, take out the nicks and scratches, recondition it with oil, and put new hardware on.  For $1,500 to $4,000, you can replace the cabinet doors and drawer fronts, and for $4,000 to $12,000, you can have all the cabinets refaced. With refacing, you can change the color of the cabinets by replacing the door and having a new skin put on the boxes. You could have oak cabinets today, cherry the next day.  Joe and I have totally replaced cabinets in our kitchens (Joe a handyman for sure) The cost of the cabinets with redesigning the kitchen to give us more counter and cabinet space, new counter tops included was about $3500-$4000. 

8 Replace light fixtures. 

In a foyer and in bathrooms and kitchens, replacing overhead light fixtures provides a lot of pop for a little money. If the kitchen has track lighting, have an electrician replace it with recessed canned lights on a dimmer switch to add ambience. It cost under $600. For about $700, you could have pendant lights installed over a kitchen island or peninsula. You will be surprised how it will modernize the kitchen.

9.  Tech up the Garage.

Think about replacing the garage door opener with a remote touchpad entry system. That costs about $425 and makes it look like a high-end system. If you do not have a garage door opener, by all means consider getting one installed.

These tips can add thousands of dollars to the value of your house when you sell.  If you are not selling, it will give you a new love for your home. 

1. Tidy up kitchen cabinets.

Potential buyers do open kitchen cabinets and look inside.  Try adding a rollout organizing trays so when buyers peek in, they feel like there’s lots of room for their stuff. I know when I am showing a home to buyers, they love pull outs in the kitchen cabinets.  It will bring a new life to your older cabinetry.

2.  Add or Replace Tile.

By retiling very inexpensively, you make a room look way cleaner that it was.  Stores like Lowes or Home Depot offer $1 to $2 tile. (sometimes less) Now you are paying for the low cost tiles and installation (if you are not a handy person).  Remember, very important, know if you are truly handy at installing tile. If you are not best to hire someone. Use this tip to install a new backsplash or replace a backsplash in the kitchen.  Again, my buyers, especially the experienced homebuyer, always love a backsplash. It is so ez to clean up and adds something to any kitchen area.  You can also add this tip for bathrooms.  However, word of caution, if your bathroom has old tile already, you may want to hire that job out.  It is a bear removing old tile (been there, done that and got the T-shirt!

3.  Add a breakfast bar.

When a wall separates a kitchen from a family room, suggest cutting out an opening to create a breakfast bar. Or in some homes, you may have a half wall or cutout already. Add a nice countertop and some chairs & wahlaa.  This can be done for as little as $500-600.

4.  Freshen up a bathroom without retiling.

With a dated bathroom, I recommend putting in a new medicine cabinet for $100 to $150, light fixtures for about $100, a faucet for $50 to $75, and a vanity for $200 to $300. Instead of replacing the tile, the existing grout can be lightly scraped and regrouted, which leaves a haze that can be buffed out and will make the tile look brand new. Also install glass shower doors. A French door adds a lot of panache and elegance for about  $250, and people will notice the door, not the tile. With all that, you’ve done a bathroom remodel for $1,000 to $2,000.

5. Freshen up the basement. 

If you have cement block or poured concrete walls in the basement, I suggest you have a contractor fill in cracks with hydraulic cement and then paint with waterproofing paint. Try adding a top coat to add color. You can also paint the basement floor with a good floor paint, which spiffs it up. The basement may not be finished, but it’s no longer a damp dungeon.

6.  Add a room.

Look for large spaces that can be enclosed to create a new bedroom for just the price of creating a wall. I know someone who closed off a half-wall to an office and added a door to the other side of the room, thus creating another bedroom. That $400 procedure, which took a contractor one day, netted about $40,000 in the sales price. 

7.  Spruce up cabinet fronts.

 Are your kitchen cabinets tired looking? Try reconditioning which is the least expensive move for under $1,000. If the wood is starting to look shabby from use or contaminants in the air, take out the nicks and scratches, recondition it with oil, and put new hardware on.  For $1,500 to $4,000, you can replace the cabinet doors and drawer fronts, and for $4,000 to $12,000, you can have all the cabinets refaced. With refacing, you can change the color of the cabinets by replacing the door and having a new skin put on the boxes. You could have oak cabinets today, cherry the next day.  Joe and I have totally replaced cabinets in our kitchens (Joe a handyman for sure) The cost of the cabinets with redesigning the kitchen to give us more counter and cabinet space, new counter tops included was about $3500-$4000. 

8 Replace light fixtures. 

In a foyer and in bathrooms and kitchens, replacing overhead light fixtures provides a lot of pop for a little money. If the kitchen has track lighting, have an electrician replace it with recessed canned lights on a dimmer switch to add ambience. It cost under $600. For about $700, you could have pendant lights installed over a kitchen island or peninsula. You will be surprised how it will modernize the kitchen.

9.  Tech up the Garage.

Think about replacing the garage door opener with a remote touchpad entry system. That costs about $425 and makes it look like a high-end system. If you do not have a garage door opener, by all means consider getting one installed.

These tips can add thousands of dollars to the value of your house when you sell.  If you are not selling, it will give you a new love for your home. 

1. Tidy up kitchen cabinets.

Potential buyers do open kitchen cabinets and look inside.  Try adding a rollout organizing trays so when buyers peek in, they feel like there’s lots of room for their stuff. I know when I am showing a home to buyers, they love pull outs in the kitchen cabinets.  It will bring a new life to your older cabinetry.

2.  Add or Replace Tile.

By retiling very inexpensively, you make a room look way cleaner that it was.  Stores like Lowes or Home Depot offer $1 to $2 tile. (sometimes less) Now you are paying for the low cost tiles and installation (if you are not a handy person).  Remember, very important, know if you are truly handy at installing tile. If you are not best to hire someone. Use this tip to install a new backsplash or replace a backsplash in the kitchen.  Again, my buyers, especially the experienced homebuyer, always love a backsplash. It is so ez to clean up and adds something to any kitchen area.  You can also add this tip for bathrooms.  However, word of caution, if your bathroom has old tile already, you may want to hire that job out.  It is a bear removing old tile (been there, done that and got the T-shirt!

3.  Add a breakfast bar.

When a wall separates a kitchen from a family room, suggest cutting out an opening to create a breakfast bar. Or in some homes, you may have a half wall or cutout already. Add a nice countertop and some chairs & wahlaa.  This can be done for as little as $500-600.

4.  Freshen up a bathroom without retiling.

With a dated bathroom, I recommend putting in a new medicine cabinet for $100 to $150, light fixtures for about $100, a faucet for $50 to $75, and a vanity for $200 to $300. Instead of replacing the tile, the existing grout can be lightly scraped and regrouted, which leaves a haze that can be buffed out and will make the tile look brand new. Also install glass shower doors. A French door adds a lot of panache and elegance for about  $250, and people will notice the door, not the tile. With all that, you’ve done a bathroom remodel for $1,000 to $2,000.

5. Freshen up the basement. 

If you have cement block or poured concrete walls in the basement, I suggest you have a contractor fill in cracks with hydraulic cement and then paint with waterproofing paint. Try adding a top coat to add color. You can also paint the basement floor with a good floor paint, which spiffs it up. The basement may not be finished, but it’s no longer a damp dungeon.

6.  Add a room.

Look for large spaces that can be enclosed to create a new bedroom for just the price of creating a wall. I know someone who closed off a half-wall to an office and added a door to the other side of the room, thus creating another bedroom. That $400 procedure, which took a contractor one day, netted about $40,000 in the sales price. 

7.  Spruce up cabinet fronts.

 Are your kitchen cabinets tired looking? Try reconditioning which is the least expensive move for under $1,000. If the wood is starting to look shabby from use or contaminants in the air, take out the nicks and scratches, recondition it with oil, and put new hardware on.  For $1,500 to $4,000, you can replace the cabinet doors and drawer fronts, and for $4,000 to $12,000, you can have all the cabinets refaced. With refacing, you can change the color of the cabinets by replacing the door and having a new skin put on the boxes. You could have oak cabinets today, cherry the next day.  Joe and I have totally replaced cabinets in our kitchens (Joe a handyman for sure) The cost of the cabinets with redesigning the kitchen to give us more counter and cabinet space, new counter tops included was about $3500-$4000. 

8 Replace light fixtures. 

In a foyer and in bathrooms and kitchens, replacing overhead light fixtures provides a lot of pop for a little money. If the kitchen has track lighting, have an electrician replace it with recessed canned lights on a dimmer switch to add ambience. It cost under $600. For about $700, you could have pendant lights installed over a kitchen island or peninsula. You will be surprised how it will modernize the kitchen.

9.  Tech up the Garage.

Think about replacing the garage door opener with a remote touchpad entry system. That costs about $425 and makes it look like a high-end system. If you do not have a garage door opener, by all means consider getting one installed.

These tips can add thousands of dollars to the value of your house when you sell.  If you are not selling, it will give you a new love for your home. 

• Tired of Paying Rent?
• Wondering if You Qualify to Buy a Home?
• Want to Know if You Can Afford to Buy a Home?
• Come Learn the Whole Process from Start to Finish!!!
• Get $8,000 NOW!

 Join us at the

 Christiana Hilton Hotel  100 Continental Drive - Newark, DE  

Saturday - January 23rd from 10 a.m. to 12 p.m.  

Saturday - January 23rd from 1 p.m. to 3 p.m.

 LEARN HOW TO:

•  Take advantage of record low interest rates!
• Take advantage of special First Time Homebuyer Programs
• Buy NOW with as little as $500 down!
• Speak to credit correction specialists that can correct and/or clean up smeared credit!
• Find out from a tax advantage why it makes sense to OWN rather than rent!
• Learn how to get $8,000 from IRS for buying a home by June 30, 2010
• Get Pre-Approved to Buy a Home at the Seminar
• Receive Free Credit Report & Free Audio CD - Home Buying 101

YOU MUST REGISTER.... REGISTER NOW!  

Call Carol or Joe Daniels at  

1-800-882-5883 ext 101 to reserve or  

EMAIL Carol@CreativeChoiceRealty.com

Now that is the technical terms and format for submitting an offer.  Of course there are tasks you, as a buyer, need to do to prepare yourself to place an offer.  You need to be pre-qualified by a HUD qualified lender.  Not all lenders are accepted by HUD so you need to work with a qualified lender according to HUD guidelines.  You need to place your offer through a HUD broker.  Not all realtors are HUD  brokers so it is best to find a HUD  broker you are comfortable working with.  Make certain that the professional you work with also can assist you should you decide not to buy through the HUD process. HUD homes allow you to have inspections however they are for your information only. So be prepared NOT to have repairs or adjustments negotiated.  Remember, we are submitting an offer to a computer so there is no negotiating. 

If you would like more information on HUD Properties or are interested in buying a HUD home or Bank owned property, Carol Daniels@Creative Choice Realty is a HUD Broker.  I would be happy to assist you.  HUD Homes and bank owned properties are homes definitely worth considering when buying a home.  You can reach Carol at 302-684-5904. 

What a Charmer! This home has character, style, charm and updates galore.  Seller continues to improve as the home is being marketing to sell.  First of all, you will love the charm of the mature community. This neighborhood is welll established, has tree line streets, sidewalks, wide roads and conveniently located to Rt 13, 113, Rt 1. Stores, shops, churches, schools all nearby.  Restaurants galore (never need to worry about what to eat for sure). Dover Downs, Delaware State University, Delaware Technical & Community College, NASCAR, and Dover Air Force Base all nearby. 

Open covered front porch perfect to sit and relax or people watch. When you enter the home you will love the large living area, the 8" baseboard throughout and the hardwood floors.  The kitchen features oak cabinets, center island w/overhang so you can utilize as an eating area, stainless steel appliances including, side by side refrigerator, range w/self cleaning oven, dishwasher. There is a built in microwave.  Laundry room is located off the kitchen and has a stacked washer and dryer for you.  There is a formal dining room plus a den with a full bath. So, if you want to use this as a guest room or 4th bedroom, it will work pefectly for that.  Upstairs are 3 bedrooms and another full bath, deep closets, ceiling fans and added storage.  There is a full basement that could be finished.  Large deep backyard with new shed and off street parking. 

Seller is in the process of replacing the windows with new vinyl tilt in replacement windows for added energy efficiency. Shutters and some landscapping will be added to make this home transform into the "princess" it truly is.   

To view this home, give us a call. We would love to show you around. 

OPEN HOUSE

Saturday

March 6th

1-3 pm

You Are Invited!

Great home at great price and a great location.  This is an 11 year old town home located in Frenchtown Woods in Newark.  Convenient location just off Route 40 about 5 miles from the Maryland line.  Close to schools, shopping, restaurants, movies, Route 1 and I-95, U of D.  This home IS NOT in PERFECT CONDITION. It is NOT A SHORT SALE. 

This home IS TIRED.  IT NEEDS A SHOT OF YOUR TLC.  Home features 2 large master bedrooms w/ceiling fans, large closets.  Master bedroom 1 has private bath.  2nd floor laundry area. Kitchen offers center island, stainless steel sink, pantry, built in microwave, electric range, refrigerator. Slider goes out to deck. There is a nice family room area and 1 car attached garage. Off street parking available for 2 autos. 

Home needs painting, deck needs powerwashing and restaining, vinyl needs to be replaced and carpets shampooed. 2 of the Kitchen cabinets needs to be reinforced to the wall.  1 year home warranty is being provided to you at closing. 

Seller is aware offer will reflect work needed but encourages you to make an offer!

 Directions: RT 40 toward Maryland, turn left on Frazier Road, make 1st right into community, make right on Aviginon and quick left. The left on Versailles.  See you there!

If you are visiting our website, CreativeChoiceRealty.com, click on Featured Properties, then click Delaware Foreclosures.  Or just click the link provided above.

This home is absolutely stunning.  Shows like a model - feels like home. You will immediately feel the warmth and love that fills this home.. This is the Delmar villa model and is 2400+ sq.foot in size located in the Active Adult Community of Heritage Shores. Sellers have over $16,000 in upgrades that you will appreciate such as window treatments, Bose speaker system, Open wall from family room to sunroom, wood flooring in several rooms, ceramic tile in bathrooms, finished 2nd floor w/2nd master bedroom plus added room that could be 4th bedroom, guest room, hobby room or office, plus some solar features, to mention a few of the amenities.  The split floor on the 1st floor offers added privacy for you and your guests. Dining room has trea ceiling, crown molding, bay window, and hardwood floors.  The gourmet kitchen has 42 inch Maple cabinets, corian counter tops,  side by side refrigerator, self cleaning gas stove/oven, built in microwave, dishwasher, and disposal.  Upgraded lighting package includes, lots of recessed lighting in all rooms, under-cabinet lights in kitchen, and drop lighting over the breakfast bar as well.  The family room has gas fireplace with white mantel with a built in area for your television.  Bose speaker systems built in for that added bonus.  There is an open wall from family room to the 18 x 9 sun room. By the way, the sun room is absolutely wonderful! You will love curling up to a book or magazine or watch nature unfold around you starting with beautiful sunrises! You will appreciate the solar shield on the sunroom windows which will give you added comfort.  For added peace, try relaxing on your screened in porch. You have an upfront view of the 14th hole of the communities Golf Course and pond views. This is one of the seller's favorite spots to relax.   The master bedroom suite on the first floor is very spacious and offers 2 walk in closets, another closet for added storage, master bath suite with tall linen closet, double vanity sink and private shower with seat.  Upstairs has another master-size bedroom with bath, a bonus room plus a storage room completely floored, insulated and has heat and air conditioning.  Neutral decor throughout with custom colors gives you a feeling of instant warmth and charm.  Ceiling fans in family room, sun room, porch, and bedrooms. 

The community amenities include a Clubhouse, Restaurant, Tavern, a Fitness  Center, tennis courts, Indoor/Outdoor pools, Walking Trails and Community sidewalks and street lights.  There is an 18 hole Arthur Hills Golf Course on the grounds and there are several membership packages available. 

"Where to Retire Magazine"  has designated Heritage Shores as one of America's 100 Best Master Planned Communiites.

Location wise: you are about 30 minutes to Rehoboth Beach and Lewes, Dewey Beaches, Outlet shopping, tax free shopping (of course). Harrington and Dover Raceway and Casinos are within about 40 minute drive. Plenty of home-grown produce with stands available nearby.  Enjoy many types of activities and fairs such as the Apple Scrapple Festival, Pumpkin Chunkin to name a few. 

Make sure to check out this home and I invite you to enjoy the lifestyle this area provides.  For more info or to see this home, just call or email The Daniels Team. 

We all had fun letting things happen the past several years, haven't we. I know I did.  Well, now is the time to "buck up" and make things happen.

Let's share our ideas with each other!  Visit my blog at http://www.thedanielsteam.com/blog and share 3 things you plan to do to make things happen in your real estate business.  No matter how insignificant you think it is, believe me IT IS NOT.  Doing something is better than nothing. 

If you are serious about your business, you will take this message seriously.  I look forward to your ideas.  Look for mine.

Employment is down, but so are mortgage interest rates. (an all time low in 50 years).  Statistic also indicate that approx. 90% of adults are working.  It has never been a better real estate market for the First time home buyers as it is now, as long as you have good credit and employment history.  Home prices are now affordable and interest rates are outstanding.  There are some great government programs that you can take advantage of if you qualify. (some you do not need to be a 1st time buyer).  President Obama's stimulus package of up to $8000 is a great incentive to buy a home. 

Now, check out the statistics below.  In () I have included 2008 statistics for the same quarter in 2008 for comparison. 

Average Sales Price

New Castle County - $240,900 average sales price   (2008- $243,600)

Kent County - $200,700 average sales price  (2008- $211,100)

Sussex County  - $270,014 (2008- $378,765)

# of homes on market

New Castle County - 3,465 (2008- 3,123)

Kent County - 1,946 (2008- 1,794)

Sussex County - 8,150 (2008- 8,152)

# of homes sold

New Castle County - 787 (2008- 1,013)

Kent County - 201 (2008- 253)

Sussex County - 440 (2008- 633)

# New Homes Built

New Castle County - 62 (2008-106)

Kent County - 77 (2008- 101)

Sussex Couny  76 (2008 - 112)

Average Days on Market

New Castle County - 87 (2008- 76)

Kent County - 114 (2008- 89)

Sussex County - 227 (2008-208)

For more information on Delaware Real Estate, call or email Carol at Carol@creativechoicerealty.com or 302-684-5904

  Did you know you may qualify for 100% financing when buying your home?  Yes, that is right.  This is a government program by the USDA Rural Development.  The mortgage program is Guaranteed Rural Housing (GRH) loan and allows a lender to provide 100% financing. The borrower is required to make NO DOWN PAYMENT, nor is mortgage insurance required since Rural Development is providing the lender with a guarantee against loss. Interested?  Let me tell you more.....

It is a fixed rate loan for 30 years.  Interest rates can vary from lender to lender  There is no maximum mortgage limit. Your income and loan repayment ability will determine the maximum loan for which you qualify.  There are income limits based on how many are in your family and the county in Delaware you are looking to buy a home.  Not all areas in Delaware will qualify for this program so it is important that you, your Creative Choice Real Estate Professional and your lender talk about your needs, etc. 

As a brief guideline, if your family size is 1-4 adjusted income cannot exceed $89,500 in New Castle County, $74,050 in Kent and Sussex County.  For families 5-8 in size, income for New Castle County cannot exceed $118,150 and $97,750 in Kent and Sussex County.  

To get more information on this Government Guaranteed Mortgage Program or to see if you qualify, contact Carol Daniels at 302-684-5904 or email me at carol@creativechoicerealty.com.  I will provide you more information and have a qualified lender discuss your eligibility with you.  

By the way, interest rates can be as low as 1.5% fixed for 30 years!  It is well worth seeing if you can use this program. 

As always, please, if you know anyone considering buying a home, pass this on to them with my personal information.  I love your referrals and would love to be their realtor.