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FACT: Over 4,000 People Get Down Payment Assistance Gift Funds EVERY
MONTH! Why Not You?

"Discover How a 29 Year Old 'Average Joe' Got $25,000 in 'Free Money'
to Buy His Dream Home With No Credit, No Money Down, No Closing Costs,
And Less Than $500 Out of Pocket! Read on and Learn How You Can
Also..."

"In less than a month, you've helped us find grants and funding we
didn't even know were available. Thanks to you we're on our way to
closing on our first home with an affordable mortgage. Best of all we
were able to keep our down payment & closing cost savings in the bank
for emergencies."

-- Jocelyn & Peter Samuel

Who's Next to Get up to $50,000 in Free Money to Buy a Home?

youtube/embed/lddrITkbz8I?rel=0

Important letter from Ron Douglas:

Dear Friend,

I'm not here to try to convince you to buy a home you can't afford
using the latest creative financing tricks or dangerous interest only
loan schemes. If that's what you're looking for, you're at the wrong
site.

However, the fact is - federal, local, and non profit organizations
have billions in gift funds available for home buyers. You may qualify
for up to $50,000 in free money and not even know it.

The question is: Are you missing the biggest investment opportunity of
your life?

I certainly was - until I made a discovery that changed everything.

Here's my story...

Several years ago, my wife and I were living in a small one bedroom
apartment in New York paying rent every month. Not just any rent, I'm
talking $1,100 per month for a one bedroom apartment (crazy but true).

We had been living there for about 3 years and the apartment seemed to
get smaller and smaller each year. Our living room was becoming a
storage closet.

We were even embarrassed to entertain company in this disaster zone we
called home. Trust me, that's no way to live.

To make matters worse, we were expecting our first child.

Don't get me wrong, our daughter was a great blessing, but the problem
was we had no space in our small apartment.

Plus, it was becoming increasingly frustrating shelling out $1,100 a
month with nothing to show for it but an overcrowded apartment and some
rent receipts.

We knew that paying $1,100 in rent is equivalent to paying $396,000
over 30 years.

Monthly Rent

Over 30 Years

$500

$180,000

$800

$288,000

$1,100

$396,000

$1,200

$432,000

$1,500

$540,000

We desperately wanted to buy a house...

However, at the time we thought we were at least 4 years away from
accomplishing our goal. Although we both had decent jobs, we figured
that we would need at least $50,000 up front for the down payment and
closing costs. This was especially true considering that in the town
where we wanted live, it was hard to find a decent house for less than
$300,000 and the closing costs averaged 4%.

If we were to go with a traditional mortgage loan, we would have had to
put down $30k to $40k on the house with closing costs of about $15k.

Needless to say, it was going to take a long time for a young couple
just starting out to save up this amount.

On top of that, the housing market was booming and prices were
increasing by 10% each year. By the time we saved up enough cash, we
would be buying the same house for about $140,000 more.

There had to be a better way...

Motivated by our own frustration, we stumbled upon a life changing
opportunity which enabled us to achieve our dream of homeownership that
same year.

We were able to buy our first home with:
* No money down (100% loan to value)
* No closing costs
* No Private Mortgage Insurance (PMI)
* No points or application fees
* No creative financing tricks, interest only loans, or seller
funding
* An interest rate 1% below the market rate

It may sound too good to be true, but the fact is we got the keys to
our beautiful new home after spending only $485 out of our pocket.

More importantly, I'm going to show you exactly how we did it so that
you can also achieve the dream of home ownership while keeping your
money in the bank...

Ron, I have worked in the mortgage business for several years and have
personally bought and sold four homes. Even with my background, I
learned some things from your book that I did not know. First time home
buyers will, no doubt, benefit from reading your book.

-- Linda C.

mortgageproducts/home.html

How Did We Do It?

What most people don't know is there are literally billions of dollars
in funds for first time homebuyers waiting to be claimed from non
profit organizations, government agencies, local foundations, etc.

Times have changed since your parents bought their home. You no longer
need to fork over your life savings in order to buy a house.

There are hundreds of little known programs in the U.S. that give out
free grants, direct payments, discount rate loans and other special
financing arrangements to home buyers.

Dear Ron,

Several years ago, I was a first time home buyer. I sure wish I had
read your book first. Getting my first house was a nightmare. The
estimated closing costs weren't even close, I had problems closing -
because the FHA required repairs first.

I got stuck doing many of the repairs in advance, even though I hadn't
even closed on the house yet! In just a few minutes on your resource
directory I found several grants that would have been available to me,
if I had know about them. The information you furnish is right on
target.

-- Lucy Vieira

syraction

Why Haven't You Heard of These Programs?
* Simply because the non profit, government, and private
organizations that offer these funds do not advertise. They don't
have large marketing budgets. Rather, their money goes to you - the
homebuyer.

* Many of the programs were created in the last 5 years or so due to
changing laws for mortgage funding and housing.

You probably have heard the 'jokers' online who talk about having the
"magical secret sources" for getting free money from the government and
private organizations. The truth is, most of these people have never
received a dime of this money. Shouldn't you trust someone who has
actually done it?

You'll learn from my experience and know exactly what to do to get
these funds and move into your new home within months.

I've done months of research to find every red cent that's available to
you across the country.

I've put together all the information you'll need in the guide "Free
Money For First Time Home Buyers."

Of all the real estate investment ebooks, this is the clearest, most
realistic one I've read. There are many ebooks detailing how to save on
home buying, but be assured, this is the only one worth reading and
worth much more than its price tag! Great work, Ron, a valuable,
cut-to-the-chase report that all home buyers should read.

-- Mike Beatham

BeathamSales

No matter your age or income level, I'll show you step by step how to:
* Buy your first home with less than $500 out of pocket. Don't spend
all of your savings. Cash is king - avoid foreclosure by keeping
your money in the bank for emergencies such as temporary job loss.

* Get up to $50,000 in free grant money for your down payment and
closing costs. There are thousands of assistance programs for
homebuyers. I've done months of research so you don't have to.

* Get up to $25,000 in grant money to rehab or remodel your home. You
don't have to take out a second mortgage, I'll show you where to
get a grant to pay for your project.

* Get the best mortgage deal in the country. Did you know a 1%
interest rate reduction will save you $64,156 on a $300,000
conventional 30 year mortgage? Special discount rates are available
no matter what your credit score.

* Avoid predatory lending abuses and refinance your mortgage loan at
lower rates no matter what your credit score is. If you are paying
anything close to 10% interest on your mortgage in the US, you are
getting ripped off and need to refinance immediately.

* Get free credit counseling and financial advice. A dollar saved is
a dollar earned. Learn how professionals manage their money and
improve their credit.

* Fully understand how much "house" you can afford. Overextending
yourself with a high mortgage payment is a major cause of
foreclosure. Don't start searching for a house without learning
this simple formula.

* Effectively negotiate the price you pay for your house. Learn a
negotiation technique that the pros use. This strategy can save you
thousands of dollars in just one conversation.

* Avoid getting ripped off by sellers, agents, and loan sharks. Learn
from my experiences and become an educated homebuyer.

* Achieve the dream of home ownership and begin building equity
sooner rather than later. Why wait years to buy a house when you
can get it done this year.

* All this and much much more!

Listen, if you're sick of throwing away money on rent, I can help you.

Even if you're single, it's always better to own than rent. If you're
not ready for a house - buy a condo, co-op, or townhouse. I'll show you
where to get free money to make it happen.

Ron,

I want to say 'Thanks' for such a helpful guide. I have taken your
advice to build my savings history according to your formula, and have
started viewing properties to get a feel for the market. It is a great
relief to know I can purchase my new home without waiting until I can
save up a huge down payment. Your directory is invaluable! I had no
idea so many programs existed for first time buyers.

-- Marsha

Tampa, FL

The bottom line is this...

There is free money out there waiting for you to claim it. If you're
not taking advantage of this, you're missing a great opportunity.

I've done the research for you and I'll show you how and where to get
these funds. Take the advice of someone who has already done it. You
can be a homeowner sooner rather than later. You'll save time and money
with "Free Money for First Time Home Buyers."

"My wife and I were blown away by how informative this ebook was. The
sections on creating a budget and negotiating tips were especially
useful. Well structured and easy to understand -- this ebook is a
must-read for anyone looking to buy their first home. That dream home
may be within your reach after all!"

-- D. Alfaro
liveblissfully

Ok, how much would you be willing to spend to learn how to save tens of
thousands of dollars and achieve the dream of home ownership sooner
than you ever expected?

I was tempted to charge $200 or more for the months of research I've
done and the personal experiences I share in this guide.

However, I don't want to exclude hard working people who may not have a
lot of extra money to spend. I wanted to make the price so low that
practically anyone who is serious about buying a home would be able to
easily afford it.

The price for this guide is normally [DEL: $74.99 :DEL]

However if You Order Right Now You Still Qualify for The

Special Introductory Price of:

Only $39.97

Plus, You'll Get 4 Free Bonus Gifts

Worth Over $100 For Ordering Today

Free Bonus Gift #1

"National Directory of Home Buyer Assistance Programs"

You'll get lifetime access to our extensive online database of home
buyer assistance programs. The database is updated regularly to keep
you abreast of every program available to you. Search by state,
program type, funding $, etc. A $39.99 value.

Free Bonus Gift #2

"Home Security: How to Protect Your Family and Property"

Few people really bother about security until something happens to
them, or a neighbor. The public's complacent attitude is a burglar's
best friend. There are many things you can do to make your home less of
a target. This ebook will show you how. A $29.99 value.

Free Bonus Gift #3

"101 Money Saving Cost Cutting Tips"

A dollar saved is a dollar earned. Discover the untold secrets to
saving hundreds of dollars a month with the simple steps in this
must-read ebook. Practical advice and tips guaranteed to keep more
money in your pocket. A $19.99 value.

Free Bonus Gift #4

"How to Reduce the Winter Heat Bill"

Savings tips for home owners and apartment renters alike. Are you
wasting money by paying the utility companies more than you need to?
The smart tips in this ebook can help you cut your heat bill by up to
40%. A $19.99 value.

And, As Insurance You Have My Risk-Free "No Questions Asked" 90 Day
Satisfaction Guarantee:

My 100% Money-Back Guarantee

My guarantee is simple. If for any reason you don't believe this
product is everything I say it is... if you don't feel it's worth many
more times what you paid for it, simply let me know within 90 days and
I'll refund 100% of your money. No questions asked, no hassles.

These bonuses -- worth over $100 -- are yours to keep even in the
unlikely event you decide to take advantage of our ironclad money-back
guarantee.

Try it out - risk free - your satisfaction is assured!

You owe it to yourself to take advantage of this risk free offer at the
Special Discounted Price. This may be the last time that $39.97 can
save you tens of thousands of dollars!

...If you think that you can't afford a new home, think again. No
money down, no closing costs and or no credit, you just can't beat
that. Buy this manual now, then go out and buy your dream home...

Duane House

1st-info/emergency-cash/index.html

Let me show you how I achieved the dream of homeownership with only
$485 out of pocket. For a small investment like this, isn't it better
to know than to let this opportunity pass you by?

To Summarize - You'll Get the Following for Only $39.97:
1. Free Money for First Time Home Buyers downloadable guide (.PDF)
2. National Directory of Home Buyer Assistance Programs - A $39.99
value
3. Home Security: How to Protect Your Family and Property - A $29.99
value
4. 101 Money Saving Cost Cutting Tips - A $19.99 value
5. How to Reduce the Winter Heat Bill - A $19.99 value
6. Our 90-day No Questions Asked Money Back Guarantee
7. Instant access

Order your copy now and in minutes you can be on your way to getting
the information you need to get the home of your dreams for no money
down!

Order Now - Instant Access!

[_] Yes! I want to take advantage of this amazing offer and order "Free
Money for First Time Home Buyers" at the discounted price of only [DEL:
$74.99 :DEL] $39.97

I understand that I'm taking a major step in the home buying process by
using this information to find the best financing deal available.

I also understand that I will receive instant access immediately after
I make payment including access to the Home Buyer Assistance Program
database and bonuses worth over one hundred dollars.

-

Secure Payment Processed Through ClickBank

-

Credit Cards and Online Checks Accepted. You get immediate access even
at 2:00 AM!

After making your payment through ClickBank's secure payment processing
system, you will be automatically redirected to our private customer
only site. There everything will be explained to you so that you can
easily access the .PDF ebooks, bonuses, and online database ASAP.

Sincerely,

P.S. If you've read this far you have a strong interest in getting free
money to buy a home. What you have done to this point has gotten you
where you are today. To have something you've never had you'll have to
do something you've never done before. Take the next step and order
now. You're not going to find this information anywhere else on the web
and the price will never be this low again.

P.P.S. If you're still not sure, put the small cost on a credit card
and use this information risk free for up to 90 days. This discounted
price including bonuses worth over $100 may not be available the next
time you visit this page so lock in now to avoid disappointment!

Order Now On Sale - Just [DEL: 74.99 :DEL] $39.97
__________________________________________________________________

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Copyright 2004-2008 FirstHomeSecrets

For Customer Inquiries - HelpForCustomers

PO Box 670361 Kew Gardens Hills, NY 11367 - Ph: 718.670.3678

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