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Many buyers and even real estate brokers don't know about the different HUD programs available for buyers. Do you know you can purchase a HUD home for just $100 down and even be able to finance the needed repairs into your loan? Do you also know you can purchase a nice HUD home and only have to pay %50 of the sales price back depending on your occupation? Well, this is real and true! 
I have successfully helped many of buyers take advantage of these programs for years. When seeking for a real estate broker it's important to know if that broker is knowledgeable with the HUD programs and if his or her agency is HUD certified? HUD will only allow agencies that are certified with them to assist buyers with the process. That's why other agents/ brokers refer clients to me since I have been quite successful with it.
Ok, here is the nitty gritty with some of the programs:
$100 Down Program
- You have to be pre-qualified or pre-approved for an FHA loan.
- The homes have to be on the HUD foreclosure lists which comes out every Friday.
- If your offer price is greater than $50,000, your earnest money deposit will need to be $1,000 which you can get back at closing if closing cost are taken care of. - Buyers have to intend to live in the home 'Owner-Occupant'.
- And you can close within 45 days.
50% Off Current Appraised Value (Good Neighbor Next Door) Program
- The same as the $100 Down Program except...
+ Buyers have to be a full time Teachers, Firefighters, Emergency Medical Technicians or Law Enforcement Officers.
+ You can not participate if you have owned a residential real estate for 1 year prior to your submission.
+ You have to live in the house for 3 years.
For more information on these programs and others, you can contact me at Sam@NuemanRealEstate.com
For HUD foreclosure homes click on this link: http://www.nre4you.com/HUD_FORECLOSURES/page_2215182.html
Your Experienced Real Estate Broker
Sam Nueman
www.NRE4YOU.com
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There is no question that the first-time homebuyer $8,000 tax credit has been very popular. And after so many buyers have taken advantage of this program, the end time is sadly near. You only have 10 days left to get a house under contract and close on it by June 30th. This program is basically is FREE Money for you to buy a home that you already are going to buy.  Think about it. If you are renting, paying about $1,100 a month you are not going to get any of that money back at the end of the year. That's $13,200 annually you are throwing away! With $1,100 a month you can buy a much bigger home, get a tax write off on the interest, real estate tax, energy efficient programs, etc. Plus your portion of your mortgage payments will go towards reducing your principal balance. So if you think about it, you are getting paid to buy a house.  With that being said, make sure you are financially ready to become a home owner because after that $8,000 runs out you want to still be able to maintain the payments. That’s why I have 2 to 3 mortgage professionals standing by ready to assist any client of mine. If you are interested in taking advantage of the tax credit, this is not a time to shop around without a Realtor. Remember, sellers pay for all commission for both agents and if they aren't, you will know ahead of time before you make an offer on a home. So don't wait too late to hire an experience real estate broker, call or email me today! Sam Nueman, SFR
704-747-2289 Cell
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Callaway Plantation, Matthews - Announcing a price reduction on 3114 Twin Falls Lane, a 1,476 sq. ft., 2 bath, 3 bdrm ranch. Now  MLS® $144,900 - Reduced!!!. Property information
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Callaway Plantation, Matthews - We invite everyone to visit our open house at 3114 Twin Falls Lane on March 13 from 11:30 AM to 3:00 PM. Property information
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Parkview at Matthews, Matthews - Announcing a price reduction on 10025 Teeside Lane, a 1,920 sq. ft., 2 bath, 3 bdrm 3 story "Lots of Natural Lignt!". Now MLS® $119,900 - Just Reduced!!!. Property information
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Callaway Plantation, Matthews - Announcing a price reduction on 3114 Twin Falls Lane, a 1,476 sq. ft., 2 bath, 3 bdrm ranch. Now MLS® $149,900 - Reduced!!!. Property information
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Great Location (close to Lots of Shops)!
• 1,366 sq. ft., 2 bath, 3 bdrm 2 story - MLS® $124,900 - Unbeatable Price! Wesley Chapel, Monroe - Immaculate 2 story home has beautiful wood laminate floors on main level, gas log fireplace with crown moldings, neutral colors, French doors. Master bedroom has vaulted ceilings & walk-in closet. Master bathroom has double sinks, garden tub & a separate shower. Refrigerator, Washer & Dryer will stay. Seller is offering a 1 year Home Warranty and is willing to consider buyer's closing cost!! This is a Well kept home that is located next to the new upscale Bloom shopping centre. Close to North Lake mall, HWY I-77, HWY I-485. Property information
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Wesley Chapel, Monroe - Announcing a price reduction on 4737 Foxthorne Drive, a 1,366 sq. ft., 2 bath, 3 bdrm 2 story. Now MLS® $124,900 - Unbeatable Price!. Property information
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Great Neighgorhood!!!
• 2,319 sq. ft., 2 bath, 4 bdrm single story "Partial Brick Front w/ a Porch" - MLS® $198,900 - PRICED FOR A QUICK SELL!! Whitley Mills, Fort Mill [York County] - A Short Sale at a great price! Lots of hardwood floors on the main level, gas log Fireplace, bay window by the breakfast area, 42in cabinets, corian countertop, ceramic tile backsplash, pendant lighting, stainless steel appliances and faux wood blinds. Fans in all of the bedroom, tile in upstairs bathrooms, luxury master bath with double sinks & garden tub. This lovely home has stone front and wonderful porch. Located in a Well Desired Neighborhood. First come with the right offer, first serve! Hurry!! Property information
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Lots of Upgrades
• 2,328 sq. ft., 2 bath, 3 bdrm 2 story - MLS® $224,900 - $60,000 BELOW MARKET Brighton Park, Mint Hill - ***SHORT SALE IN PROGRESS*** $60,000 BELOW MKT... (INSTANT EQUITY). This lovely 2 story is loaded w/ lots of upgrades, equipped w/ surround sound speakers inside & out. Formal dinning w/ crown moldings & office has a built-in desk/ shelves. Kitchen includes all black appliances, ceramic tiles, corian countertops, & recess lighting. Gas log fireplace in living room. Master suite has a deep relaxing garden tub, separate shower, double sink, & a walk-in closet. This home has 10ft. ceilings, a loft, separate A/C & Heating control for upstairs & downstairs. You will love relaxing on the rocking chair front porch. This home is located in walking distance to lots & lots of shops. Hurry!! Property information
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SHORT SALE HAS BEEN APPROVED
• 2,360 sq. ft., 2 bath, 4 bdrm 2 story - MLS® $139,900 - $50,000 Below Market!!! Kingstree, Charlotte - *SHORT SALE HAS BEEN APPROVED* APPROX 5 BUSINESS DAYS answer from the Bank** BANK WILL PAY SOME CLOSING COST. Listed approx $50,000 below market. It includes complete crown moldings downstairs, formal dining room, all black appliances in the kitchen, gas log fp in the living room & 9 ft. ceilings. Master bed has vaulted ceiling w/a walk-in closet. Master bathroom has garden tub, separate shower/ double sink. Property information
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SHORT SALE
• 1,871 sq. ft., 2 bath, 3 bdrm single story - MLS® $144,900 - Instant Equity!! Mintworth Village, Charlotte - **SHORT SALE OPPORTUNITY** This lovely 2 story home is packed with lots of upgrades. The main level has hardwood floors, crown moldings, gas fireplace in the living room, & high ceilings. Kitchen has ceramic tiles, 42' cabinets, ceramic tile floors, & refrigerator stays. 2nd level has a loft/ sitting area. Master bedroom has vaulted ceilings. Master bathroom has double sinks, garden tub, separate shower, & a walk-in closet. This is a wel kept 'pride of ownership' home. Home is priced approximately $30,000 below the market. So hurry!! Property information
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Shows Like a Model Home (S. CHARLOTTE)
• 2,718 sq. ft., 2 bath, 4 bdrm single story "10 Ft. Ceilings"
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MLS®
$25,900
- $70,000 Below Competition
Providence Arbours, Charlotte
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This lovely home shows like a model home with an open floor plan, 10' ceilings, recess lighting, Hunter-Douglas blinds (Laminate Privacy Sheers), tinted windows, & crown moldings. Kitchen has corian countertops, huge island with smooth stove top, 2007 Jenn-Air appliances, 42" cabinets w/ lots of storage space, 2 pantries, hardwood floors & open to the living room as well as breakfast area. An elegant and spacious master suite that includes double sinks, deep garden tub, separate shower & stall. It also has very huge/ true walk-in closet. 14'x12' no maintenance deck & a well landscaped lawn with an irrigation system. This lovely home is located in a well sought after Providence Arbours neighborhood with great schools, close to (The Promenade) shopping centre/ other shops & golf course. Easily accessible to Hwy 485 & uptown. . SELLER WILL PAY FOR 2 YEAR HOME WARRANTY, UP TO $6,000 OF BUYER’S CLOSING COST, & UP TO $2,500 TOWARDS A FENCE & LEYLAND CYPRESS TRESS. SO HURRY!
Property information
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PRICED $25,000 BELOW MARKET!
• 1,862 sq. ft., 2 bath, 3 bdrm 2 story - MLS® $144,900 - GREAT SHORT SALE!! Mintworth Village, Charlotte - Main level has hardwood flrs & carpet, crown moldings throughout, gas fireplace in the living room, & high ceilings. Kitchen has all black Kenmore appliances, 42' cabinets, & refrigerator stays. 2nd level has a loft/sitting area. Master bedroom has vaulted ceilings. Master bathroom has double sinks, garden tub, separate shower, & a walk-in closet. Close to & a walking distance to the shopping centre. Priced $25,000 below market. With this price, it won't last, So hurry!! Property information
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Lots of Equity
• 3,540 sq. ft., 2 bath, 4 bdrm 2 story - MLS® $269,900 - Short Sale! Oaks at Oxfordshire, Mint Hill - ** SHORT SALE OPPORTUNITY **PRICED BELOW OTHER HOME IN THE NEIGHBORHOOD..INSTANT EQUITY!! Minutes from HWY485 conveniently located close to lots of shops. Elegant/ formal dinning room with bay windows. Gorgeous kitchen with granite island, stainless appliance, 42'' cabinets, tile bkspash, hardwood floors. Bonus room with built in pre-wired surround sound. Inviting Master with sitting, trey ceiling & luxurious masterbath & tile floor, jetted tub, 12x16 deck, & a private backyard. Property information
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