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	<title>dbillekrealtor.com</title>
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		<title>FIRST-TIME HOME BUYER TAX CREDIT</title>
		<link>http://dbillekrealtor.com/?p=140</link>
		<comments>http://dbillekrealtor.com/?p=140#comments</comments>
		<pubDate>Sat, 20 Jun 2009 16:53:42 +0000</pubDate>
		<dc:creator>D. Billek</dc:creator>
				<category><![CDATA[For Buyers]]></category>

		<guid isPermaLink="false">http://dbillekrealtor.com/?p=140</guid>
		<description><![CDATA[As Modified in the American Recovery and Reinvestment Act (Major Modifications Italicized)

February 2009

FEATURE CREDIT AS CREATED JULY 2008 APPLIES TO ALL QUALIFIED PURCHASES ON OR AFTER APRIL 9, 2008 REVISED CREDIT – EFFECTIVE FOR PURCHASES ON OR AFTER JANUARY 1, 2009 AND BEFORE DECEMBER 1, 2009
Amount of Credit?
Lesser of 10 percent of cost of home [...]<script type="text/javascript">SHARETHIS.addEntry({ title: "FIRST-TIME HOME BUYER TAX CREDIT", url: "http://dbillekrealtor.com/?p=140" });</script>]]></description>
			<content:encoded><![CDATA[<p>As Modified in the American Recovery and Reinvestment Act (Major Modifications Italicized)<br />
<strong><br />
<h4>February 2009</h4>
<p></strong></p>
<blockquote><p>FEATURE CREDIT AS CREATED JULY 2008 APPLIES TO ALL QUALIFIED PURCHASES ON OR AFTER APRIL 9, 2008 REVISED CREDIT – EFFECTIVE FOR PURCHASES ON OR AFTER JANUARY 1, 2009 AND BEFORE DECEMBER 1, 2009</p></blockquote>
<h5>Amount of Credit?</h5>
<p>Lesser of 10 percent of cost of home or $7500 Maximum credit amount increased to $800</p>
<h5>Eligible Property?</h5>
<p>Any single family residence (including condos, co-ops, townhouses) that will be used as a principal residence. No change All principal residences eligible.</p>
<h5>Refundable?</h5>
<p>Yes. Reduces (or can eliminate) income tax liability for the year of purchase. Any unused amount of tax credit refunded to purchaser. No changePurchasers will continue to receive refund for unused amount when tax return is filed.</p>
<h5>Income Limit?</h5>
<p>Yes. Full amount of credit available for individuals with adjusted gross income of no more than $75,000 ($150,000 on a joint return). Phases out above those caps ($95,000 and $170,000). No change Same income limits continue to apply.</p>
<h5>First-time Home buyer Only?</h5>
<p>Yes. Purchaser (and purchaser’s spouse) may not have owned a principal residence in 3 years previous to purchase. No change Still available for first-time purchasers only. Three-year rule continues to apply.</p>
<h5>Revenue Bond Financing</h5>
<p>No credit allowed if home financed with state/local bond funding. Purchasers who utilize revenue bond financing can use credit.<br />
Repayment<br />
Yes. Portion (6.67% of credit or $500) to be repaid each year for 15 years, starting with 2010 tax filing. No repayment for purchases on or after January 1, 2009 and before December 1, 2009<br />
Recapture<br />
If home sold before 15-year repayment period ends, then outstanding balance of repayment amount recaptured on sale.<br />
If home is sold within three years of purchase, entire amount of credit is recaptured on sale. Applies only to homes purchased in 2009.<br />
Termination<br />
July 1, 2009<br />
(But note program changes for 2009)<br />
December 1, 2009<br />
Effective Date<br />
Purchases on or after April 9, 2008 and before January 1, 2009. Repayment to begin for 2010 tax year.<br />
All revisions are effective as of January 1, 2009</p>
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		<title>300K-400K</title>
		<link>http://dbillekrealtor.com/?p=144</link>
		<comments>http://dbillekrealtor.com/?p=144#comments</comments>
		<pubDate>Fri, 19 Jun 2009 02:38:16 +0000</pubDate>
		<dc:creator>D. Billek</dc:creator>
				<category><![CDATA[300K-400K]]></category>
		<category><![CDATA[Homes For Sale]]></category>

		<guid isPermaLink="false">http://dbillekrealtor.com/?p=144</guid>
		<description><![CDATA[Beautiful home
<script type="text/javascript">SHARETHIS.addEntry({ title: "300K-400K", url: "http://dbillekrealtor.com/?p=144" });</script>]]></description>
			<content:encoded><![CDATA[<p>Beautiful home</p>
<p><a href="http://sharethis.com/item?&wp=2.8.2&amp;publisher=51b16992-3bd1-44f5-9264-4eedf831f463&amp;title=300K-400K&amp;url=http%3A%2F%2Fdbillekrealtor.com%2F%3Fp%3D144">ShareThis</a></p>]]></content:encoded>
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		<title>81 HILLCREST AVE, Morris</title>
		<link>http://dbillekrealtor.com/?p=85</link>
		<comments>http://dbillekrealtor.com/?p=85#comments</comments>
		<pubDate>Wed, 06 May 2009 06:25:10 +0000</pubDate>
		<dc:creator>D. Billek</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Homes For Sale]]></category>

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Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, [...]<script type="text/javascript">SHARETHIS.addEntry({ title: "81 HILLCREST AVE, Morris", url: "http://dbillekrealtor.com/?p=85" });</script>]]></description>
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<p>Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.</p>
<p><strong>$475,000 &#8211; For Sale</strong><br />
Address</p>
<h5>
<blockquote>Schedule a showing today!  Contact Us: 908.591.8326|<a href="mailto:doug@dbillekrealtor.com">doug@dbillekrealtor.com</a></p></blockquote>
</h5>
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		<item>
		<title>901 EVERGREEN CT,Hanover</title>
		<link>http://dbillekrealtor.com/?p=38</link>
		<comments>http://dbillekrealtor.com/?p=38#comments</comments>
		<pubDate>Sat, 21 Mar 2009 17:52:09 +0000</pubDate>
		<dc:creator>D. Billek</dc:creator>
				<category><![CDATA[$250k-$500k]]></category>
		<category><![CDATA[Condos For Sale]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[Homes For Sale]]></category>

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Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, [...]<script type="text/javascript">SHARETHIS.addEntry({ title: "901 EVERGREEN CT,Hanover", url: "http://dbillekrealtor.com/?p=38" });</script>]]></description>
			<content:encoded><![CDATA[<p><a href="http://dbillekrealtor.com/wp-content/uploads/2009/05/hanover-main1.jpg" rel="shadowbox[post-38];player=img;"><img src="http://dbillekrealtor.com/wp-content/uploads/2009/05/hanover-main1.jpg" alt="hanover-main1" title="hanover-main1" width="600" height="400" class="alignleft size-full wp-image-52" /></a></p>
<p>Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.</p>
<h4><strong>$469,900 &#8211; For Sale</strong></h4>
<p>Address: </p>
<h5>
<blockquote>Schedule a showing today!  Contact Us: 908.591.8326|<a href="mailto:doug@dbillekrealtor.com">doug@dbillekrealtor.com</a></p></blockquote>
</h5>
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		<title>919 Alto Pass &#8211; Steamboat Springs, Colorado</title>
		<link>http://dbillekrealtor.com/?p=181</link>
		<comments>http://dbillekrealtor.com/?p=181#comments</comments>
		<pubDate>Sat, 03 Jan 2009 22:49:00 +0000</pubDate>
		<dc:creator>D. Billek</dc:creator>
				<category><![CDATA[$750k & Up]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[Homes For Sale]]></category>

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			<content:encoded><![CDATA[<p><img src="http://www.revolutiontwo.com/demo/agent/wp-content/uploads/featured-03.png" alt="featured-03" title="9109 Alto Pass" width="600" height="400" class="alignnone size-full wp-image-85" />This is an example of a WordPress post, you could edit this to put information about yourself or your site so readers know where you are coming from. You can create as many posts like this one or sub-posts as you like and manage all of your content inside of WordPress. This is an example of a WordPress post, you could edit this to put information about yourself or your site so readers know where you are coming from. You can create as many posts like this one or sub-posts as you like and manage all of your content inside of WordPress. This is an example of a WordPress post, you could edit this to put information about yourself or your site so readers know where you are coming from.</p>
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		<title>3675 Aspen Drive &#8211; Colorado Springs, Colorado</title>
		<link>http://dbillekrealtor.com/?p=180</link>
		<comments>http://dbillekrealtor.com/?p=180#comments</comments>
		<pubDate>Sat, 03 Jan 2009 20:57:19 +0000</pubDate>
		<dc:creator>D. Billek</dc:creator>
				<category><![CDATA[$750k & Up]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[Homes For Sale]]></category>

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		<title>4802 Telluride Lane &#8211; Denver, Colorado</title>
		<link>http://dbillekrealtor.com/?p=1</link>
		<comments>http://dbillekrealtor.com/?p=1#comments</comments>
		<pubDate>Sat, 03 Jan 2009 18:23:25 +0000</pubDate>
		<dc:creator>D. Billek</dc:creator>
				<category><![CDATA[$750k & Up]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[Homes For Sale]]></category>

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			<content:encoded><![CDATA[<p><img src="http://www.revolutiontwo.com/demo/agent/wp-content/uploads/featured-02.png" alt="4802 Telluride Lane" title="4802 Telluride Lane" width="600" height="400" class="alignnone size-full wp-image-79" />This is an example of a WordPress post, you could edit this to put information about yourself or your site so readers know where you are coming from. You can create as many posts like this one or sub-posts as you like and manage all of your content inside of WordPress.</p>
<p>This is an example of a WordPress post, you could edit this to put information about yourself or your site so readers know where you are coming from. You can create as many posts like this one or sub-posts as you like and manage all of your content inside of WordPress.</p>
<p>This is an example of a WordPress post, you could edit this to put information about yourself or your site so readers know where you are coming from. You can create as many posts like this one or sub-posts as you like and manage all of your content inside of WordPress. This is an example of a WordPress post, you could edit this to put information about yourself or your site so readers know where you are coming from.</p>
<p>This is an example of a WordPress post, you could edit this to put information about yourself or your site so readers know where you are coming from. You can create as many posts like this one or sub-posts as you like and manage all of your content inside of WordPress. This is an example of a WordPress post, you could edit this to put information about yourself or your site so readers know where you are coming from. You can create as many posts like this one or sub-posts as you like and manage all of your content inside of WordPress.</p>
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		<title>How to Find the Perfect Home</title>
		<link>http://dbillekrealtor.com/?p=179</link>
		<comments>http://dbillekrealtor.com/?p=179#comments</comments>
		<pubDate>Fri, 02 Jan 2009 14:01:28 +0000</pubDate>
		<dc:creator>D. Billek</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Home Purchasing]]></category>
		<category><![CDATA[House Hunting]]></category>

		<guid isPermaLink="false">http://www.studiopress.com/demo/real-estate/?p=109</guid>
		<description><![CDATA[Finding the home of your dreams can be one of the most overwhelming things that you will do in your whole life.  Not only that but it will the largest purchase and eventually sale you will ever make.  So let me help you through this type of transaction.  I am professional Realtor, [...]<script type="text/javascript">SHARETHIS.addEntry({ title: "How to Find the Perfect Home", url: "http://dbillekrealtor.com/?p=179" });</script>]]></description>
			<content:encoded><![CDATA[<p><img class="alignleft" src="http://www.revolutiontwo.com/demo/agent/images/home.jpg" alt="How to Find the Perfect Home" width="200" height="140" />Finding the home of your dreams can be one of the most overwhelming things that you will do in your whole life.  Not only that but it will the largest purchase and eventually sale you will ever make.  So let me help you through this type of transaction.  I am professional Realtor, my goal is to provide you with the best customer service by providing you as much information you need to make the best decision on the purchase or sale of your home. I take pride in what I do. I also need to ask my buyers and sellers a lot of questions so I can understand their goals and needs. I do this so I can provide them with the best results as possible and we focus on the proper search and show you properties that best meet your requirements. I’ve lived and worked in this area for most of my life and totally enjoy the area very much which I will share with you<br />
Here are some examples sale that have happened in your town or neighboring towns that you live in or are looking to move to:<br />
Morristown / Morris Twp<br />
                                                  List Price     Sale Price   Days on Market<br />
-22 Franklin Pl                          519000      475000        38<br />
-69 A Wetmore Ave                 569900     525000         26<br />
-110 South St (Vail Mansion) 758900      722975        36<br />
-110 South St (Vail Mansion) 778900      748000        175<br />
-46 East Lake Blvd                    519000      505000        62<br />
-60 Pippins Way                        580000      565000        81<br />
-19 Lynnfield Dr                        600000      600000         51<br />
-14 Buckley Hill Dr	         609000      609000         28<br />
Randolph<br />
-11 Woodmont  Dr                   419000      410000         62<br />
-152 Arrowgate Dr                    427000      410000          58</p>
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		<title>Tips For First Time Buyers</title>
		<link>http://dbillekrealtor.com/?p=178</link>
		<comments>http://dbillekrealtor.com/?p=178#comments</comments>
		<pubDate>Fri, 02 Jan 2009 14:00:35 +0000</pubDate>
		<dc:creator>D. Billek</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Home Buying]]></category>
		<category><![CDATA[Homeowner Tips]]></category>

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		<description><![CDATA[It&#8217;s no secret that mortgage rates have been on the rise over the past few years.  However now is the time to get back into the pool, as rates seem to be on the decline once again.nThis is an example of a WordPress page, you could edit this to put information about yourself or [...]<script type="text/javascript">SHARETHIS.addEntry({ title: "Tips For First Time Buyers", url: "http://dbillekrealtor.com/?p=178" });</script>]]></description>
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<p>This is an example of a WordPress page, you could edit this to put information about yourself or your site so readers know where you are coming from. You can create as many pages like this one or sub-pages as you like and manage all of your content.</p>
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		<title>Mortgage Rates on the Decline</title>
		<link>http://dbillekrealtor.com/?p=177</link>
		<comments>http://dbillekrealtor.com/?p=177#comments</comments>
		<pubDate>Fri, 02 Jan 2009 13:59:25 +0000</pubDate>
		<dc:creator>D. Billek</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Real Estate]]></category>

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		<description><![CDATA[It&#8217;s no secret that mortgage rates have been on the rise over the past few years.  However now is the time to get back into the pool, as rates seem to be on the decline once again.nThis is an example of a WordPress page, you could edit this to put information about yourself or [...]<script type="text/javascript">SHARETHIS.addEntry({ title: "Mortgage Rates on the Decline", url: "http://dbillekrealtor.com/?p=177" });</script>]]></description>
			<content:encoded><![CDATA[<p><img class="alignleft" style="margin: 0px 10px 10px 0px;" src="http://www.revolutiontwo.com/demo/agent/images/mortgages.jpg" alt="Mortgage Rates on the Decline" width="200" height="140" />It&#8217;s no secret that mortgage rates have been on the rise over the past few years.  However now is the time to get back into the pool, as rates seem to be on the decline once again.nThis is an example of a WordPress page, you could edit this to put information about yourself or anything about your site.nThis is an example of a WordPress page, you could edit this to put information about yourself or your site so readers know where you are coming from. You can create as many pages like this one or sub-pages as you like and manage all of your content inside of WordPress.</p>
<p>This is an example of a WordPress page, you could edit this to put information about yourself or your site so readers know where you are coming from. You can create as many pages like this one or sub-pages as you like and manage all of your content. This is an example of a WordPress page, you could edit this to put information about yourself or your site so readers know where you are coming from. You can create as many pages like this one or sub-pages as you like and manage all of your content inside of WordPress.</p>
<p>This is an example of a WordPress page, you could edit this to put information about yourself or your site so readers know where you are coming from. You can create as many pages like this one or sub-pages as you like and manage all of your content.</p>
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