IT'S TIME FOR SPRING CLEANING

I don't know how spring cleaning became a tradition, and I know that phrase means different things to different people. And while some of that cleaning could take place at any time of the year, there's just something about the spring to help you think about airing things out and fluffing things up for the coming months of growth. While this makes sense for homes, it makes at least as much sense for our lives. Your year is starting to heat up and there are many opportunities, so its time. Here are a few things you can do to prepare yourself for better results the rest of the year.

Straighten up your working area. Does your desk currently help or hinder your efforts to do your best work and have your best focus? Are you behind on your filing, or is it time to go through your filling system? Challenge yourself to take the time to do it. It will dramatically improve your creativity and productivity.

Fertilize your relationships with clients. Now is the time to reinvigorate your relationships. Determine what you can do to nurture and help them grow in the coming weeks. You must make the call, schedule the appointment, invite people over or do whatever you need to nurture your relationships. Freshen up your goals and objectives.

The calendar doesn't need to dictate when you do this cleaning, but when you do it, your results and enjoyment will improve!

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MANUFACTURED VS MODULAR
what you should know!

• A manufactured home will have a low roof pitch or 3/12. This pitch can be upgraded for higher priced models.

• A Modular Home will have a standard roof pitch of 5/12. The pitch also could be more depending on the manufacturer.

• Manufactured Homes seldom use national brand components for windows, cabinets, doors, etc.

• Modular Homes will use national brand components for windows, cabinets, doors, etc.

• Manufactured Homes use lighter weight construction materials.  The construction materials could be upgraded for higher prices models.

• Modular Homes use "stick built" construction materials.

• Manufactured Homes usually do not have 1/2 inch sheet rock or drywall, taped, painted or textured walls. modular homes have the above mentioned features.

Did you know?

AmeriFirst Financial holds the top spot in lending for Rural Development loans. Call today for more information!

JUNE

18th   BobMorse

20th   ColeenHetzner

24th  RichAmen

25th   KayDenardo

Thank you for considering AmeriFirst Home Mortgage as your resource partner. Buying a home, investing in property or expanding your real estate interests required sound financial guidance, and we appreciate your trust to provide that for you.

989.799.2317

HomePath Mortgage allows a borrower to purchase a Fannie Mae-owned property with a low down payment, flexible mortgage terms, no lender-requested appraisal and no mortgage insurance. Expanded seller contributions to closing costs are allowed.

Benefits to You, the Borrower

• Low down payment and flexible mortgage terms (fixed–rate, adjustable rate, or interest–only).
• Down payment (at least 3 percent) can be funded by the borrower’s own savings; a gift; a grant; or a loan from a nonprofit organization, state or local government, or employer.
• No lender-requested appraisal.
• No mortgage insurance; ask your lender for cost details on loans without mortgage insurance.
• Expanded seller contributions for closing costs allowed.
• Available for primary residences, second homes and investment properties.

Special Offers

HomePath® Buyer Incentive

Fannie Mae is currently offering buyers up to 3.5% in closing cost assistance through June 30, 2011.

The HomePath property buyer must meet the following qualifications to be eligible:

• Buyers and/or selling agents (the agent representing the buyer) must request the incentive upon submission of initial offer in order to be eligible.

• The initial offer must be submitted on or after April 11, 2011 and close by June 30, 2011. If an initial offer was made prior to the effective date, the offer is not eligible for the incentive.

• The sale must close on or before June 30, 2011. No exceptions will be made to this deadline.

• Only buyers purchasing a HomePath property as their primary residence may receive up to 3.5% in closing cost assistance. Second homes and investment properties are excluded from the incentive.

• Buyer must sign the Owner Occupant Certification Rider to the Real Estate Purchase Addendum.

• If a buyer's total closing costs are under 3.5%, the difference will not be available as a credit to the buyer.

www.aimeesmith.com