Debby & Bill Spotten
301-797-8404 x 210
Debby 410-236-8608
Bill 410-236-1694

1829 Howell Rd.
Suite 2A
Hagerstown, Md 21740
301-797-8404

Are you a first time buyer?

Call us and ask about the $8000 Federal Tax Credit for first time buyers!

Hurry it ends this year!

Do you know that there are Federal, State and County programs to help you get into a home of your own?

They can help with down payment and get you a lower interest rate on your loan even if your credit is not perfect.

We keep up on all the programs and can help you through the process to get you money you deserve.

Why wonder if you can buy a home, call us and find out.
All these services to buyers are always free.

Getting married?
Starting a family?
Need more room?
Tired of paying rent with nothing to show for it?

You may have heard all the stories in the news about the housing market,
most telling you it's a bad time to buy.
That couldn't be further from the truth for first time buyers.
This is the once in a life time opportunity to purchase a home.
Home prices are down, interest rates are down, inventory has never been better.
Doesn't buying a home when home prices and interest rates are down make sense?

Yes we know buying a house can be scary, and buying your first home is even more so.
We will take you through the process step by step and answer all of your questions.

Where do I start?
How much money do I need?
How do I get a loan?
Can I get a loan?

We can give you the answers to these questions and more.
We have put many first time buyers in homes that didn't think they could afford a home.


Even if you can't purchase a home right now
we will tell you what steps you need to take so you can qualify for a home loan.

Call or e-mail us today we will happy to sit down with you and explain all the details,
as always it's free and with no obligation.