Chance Gates' Blog

Before You Look At Another House, There are 10 Things
You Should Know About Buying In Reno Or Sparks
(If you don’t, it could cost you thousands of dollars)

FREE HOME BUYER CLASS
This 10 Things and more will be covered in a hard hitting, compact ONE hour Home Buyer’s Workshop designed to answer questions you have about buying a home!

At This Class You Will Learn:
How much can I afford? What government programs can I qualify for? How many zero down loan programs do I qualify for? What are closing cost? How do mortgages work? What programs do I qualify for the will pay my closing cost? Do I qualify for a low interest government loan? How can I get the seller to pay for my closing cost? Is my credit good enough and can I see my credit report? What is the best way to find the right home? How can I get into the Multiple Listing Service computer to find the best home? Can I use the $8,000 tax credit for down payment/closing cost?

This and all the other information is your FREE with absolutely no obligation of any kind!!
There are more than 400 types of home loans! Do you know which is best for you?

We will take the confusion away and replace it with practical down-to-earth knowledge that you can use. We will make it simple from getting started to getting moved in.\, we’ll lead you through the home buying process.

There is NO CHARGE for this class, and you can bring a guest.
Class size is limited, so register today!

Class also includes Lender information, Inspection Information,
Realtor Home Search Information & dozen of other helpful hints!

Class Presented by: First Centennial Title , Realty World Ballard Company, Inc.,
Wells Fargo Home Mortgage and more

Class Location: First Centennial Title

Tuesday, Nov 10, 2009 from 6:00 to 8:00 p.m.

Call for a FREE recorded message & Reservations:1-888-689-2996 ext 15

First Time Buyers Welcome

What a game, the kids are doing wonderful things.  Saturday’s game a couple of the defensive players(players who asked to play defense) impressed me on offense, one of the goalies was throwing the ball out of the goal with incredible accuracy.  Unfortantly due to a couple of 4th qaurter goals we lost 3-1. All seven players had to play the whole game and a few of them got tired in the fourth quarter. Two more players did get a shot on goal, that is 6 of the 8 this season. Three different players have scored.

As a Reno/Sparks real estate professional I encourage all questions and comment on the Reno/Sparks real estate market or any article posted.  I can be reached by email at  chance at ballard-company.com or  http://www.myspace.com/chancegates

A wise man once said “the tough part of coach is your on the sidelines.”  However, it is fun to watch the six players on the field all chase the ball at the same time.(We will have to work on that).  We lost the game 5 to 3, but some really good things happened.  Four of the eight player got a shot on goal, and one of them is a first year player.  4 down and 4 to go to make my goal of getting every player a shot at the goal.   The stratagy of pulling the defense on corner kicks worked great as we scored on our only corner kick of the game.  Tonight practice will focus on some one on one defensive drills and goalie drills.

As a Reno/Sparks real estate professional I encourage all questions and comment on the Reno/Sparks real estate market or any article posted.  I can be reached by email at  chance at ballard-company.com or  http://www.myspace.com/chancegates

There are two new programs to get eligible  families $20,000 to assist with their down payment, closing cost, or even to buy down points to help make home ownership available. Under both programs the applicant must be a first-time homebuyer that can be income qualified.

2009 Income Limits

As a Reno/Sparks real estate professional I encourage all questions and comment on the Reno/Sparks real estate market or any article posted.  I can be reached by email at  chance at ballard-company.com or  http://www.myspace.com/chancegates

Lyon County is offering deferred loans to assist homebuyers through the Neighborhood Stabilization Program (NSP), which is part of the federal bailout program.  The program is available to help homebuyers purchase bank-owned homes in zip code areas 89403 (Dayton) and 89408 (Fernley).

These loans are interest-free silent second mortgages that require no monthly payments.  The loan is due only upon sale, transfer of title, refinance with cash out, or when the home ceases to serve as a primary residence.