Buying a Home in Granger

BUYERS!
I serve Michiana clients with their real estate needs in Notre Dame, South Bend, Mishawaka, Lakeville and Granger Indiana. I am a specialist in both the Mishhawaka Penn School system and South Bend Community Schools. I look forward to meeting the real estate needs of physicians and staff members of the new St. Joseph Regional Medical Center in Mishawaka, Indiana. My real estate services include residential, luxury homes, commercial, codos and villa properties.
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		Buying Your First Home Many renters are starting to think about purchasing a home of their own. This article highlights several factors that should be considered when purchasing a home.
		The Right Home at the Right Price This article helps you become a savvy buyer, by pointing out some of the pitfalls inherent in the home-buying process.
		Avoid Common Buyer Errors Some buyers, however, caught up in the excitement of buying a new home tend to overlook some items. When you have a systematic plan before you shop, you’ll be sure to avoid these costly errors. Here are some tips on making the most of your home purchase.
		But Do You Need It Buying a home can be an emotional, time-consuming, and complex process. There are a few things that you can do to help make the process go as smooth as possible.


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If you are planning on purchasing your first home in Indiana, the Indiana Housing and Community Development Authority may have an offer to help you afford more home. The Mortgage Credit Certificate program is fairly simple.

The amount of your credit is based on your mortgage amount. The credit is then multiplied by your mortgage interest to determine your credit.

Mortgage Amount	Tax Credit Rate
$50,000 or Less	35%
$50,001 - $70,000	30%
$70,001 - $90,000	25%
$90,000 and more	20%

RULES & REGULATIONS

Can't have owned home in last 3 years
Income limits based on household size ($60,800 for 1-2 people in St. Joe county)
Credit can't exceed actual tax liability and can't exceed $2,000
Reservation fee charged by IHCDA of .5% of loan amount (can be seller paid - conﬁrm)
ONLY APPROVED LENDERS CAN PROVIDE!

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