Committed to your needs

Customers first

Borrowers who are happy with the mortgage loan I helped them secure are more important to me than anything else. My goal is to make the loan process as simple and worry-free as possible. I pride myself in offering the highest level of customer service, and appreciate the opportunity to earn your business. Whether you want to refinance for a lower mortgage rate or get a new home mortgage, my goal is to satisfy your needs. 

First Time Homebuyer Tax Credit

On February 17, 2009, President Obama signed the “American Recovery and Reinvestment Act of 2009,” which had been passed by the House on February 13, 2009, by a vote of 246 to 184.  Later that day, the Senate also passed the bill by a a vote of 60-38.   A key provision calls for a Homebuyer Tax Credit up to $8,000 that would be available to first-time home buyers (and those who have not owned a home within the last 3 years) for the purchase of a principal residence on or after January 1, 2009 and before December 1, 2009.  The credit does not require repayment as long as  you own the home at least 3 years.  Most of the mechanics of the credit will be the same as under the 2008 rules:  the credit will be claimed on a tax return to reduce the purchaser's income tax liability.  If any credit amount remains unused, then the unused amount will be refunded as a check to the purchaser.

The credit is for 10% of the cost of the home, up to a maximum credit of $8000.   If a home costs $70,000, the credit will be $7000.   If a home costs $120,000, the allowable credit would be maxed out at $8000.   Eligible purchasers will claim the credit on the appropriate IRS Form 1040 once they have closed on a new residence.    Qualified first time homebuyers who make their purchase and close between January 1 and December 1, 2009 are permitted to make an election to treat the purchase as if if had CLOSED on December 31, 2008.  This election allows them to claim the credit on their 2008 tax return that is due on April 15, 2009.   They may file for an automatic extension to file their 2008 tax return or file an amended 2008 tax return.   They may also wait and claim the credit for 2009. 

For married joint filers, both must meet the 1st time homebuyer test to take the credit on their joint return.

For more details, visit www.realtor.org, then click on Home Buyers and Sellers.   

• Giving Back
  For every mortgage loan originated and closed by Cindy personally, a $100 donation will be made to: The Nick Gonzales Foundation for Brain Tumor Research, The National Brain Tumor Foundation or a 501c3 Public Charity specified by our customer.
• Enthusiasm working for you
  Helping people make one of their most important decisions is a serious responsibility, but something that I truly enjoy doing. This enthusiasm and hard work will benefit you and help reduce the stress and anxiety often associated with real estate transactions.
• Established Credibility
  I have more than 28 years of experience and knowledge working in the real estate and mortgage industry. I can say with confidence that I'll get the job done right.