Attend a new and innovative homebuyer event!!

You may get the help you need to make home ownership a real possibility!!

Find information and support at every turn:
• Get help with your down payment — Apply for down payment assistance grants from local nonprofit organizations, available for a limited time to qualified homebuyers who purchase a home in selected neighborhoods
• Find out if you’re ready to buy a home — Meet one-on-one with professionals to understand the home financing options that may be available
• Prepare for sustainable homeownership —Learn more about finding and financing a home and managing the financial responsibilities of homeownership at Wells Fargo’s video homebuyer education center
• Picture yourself at home — Stop by Wells Fargo’s Affordable Home Tour(SM) viewing center to preview the features and prices of area homes for sale
• See for yourself — Board a neighborhood home tour bus for a free ride to and from homes you’d like to see first-hand

If you have a goal to become a homeowner, you won’t want to miss the Neighborhood LIFT(SM) event, sponsored by Wells Fargo in
collaboration with local non-profit organizations.

Date: February 10-11, 2012
Time: 10:00 a.m. – 7:00 p.m.
Location: Georgia World Congress Center, Exhibit Hall B1
285 Andrew Young International Blvd. NW
Atlanta, GA 30313
Free parking in designated lots, see web site for details.
Admission is free!

Plan to spend some worthwhile time discovering the possibilities of homeownership in Atlanta – and find out if it’s right for you.

Register today:
http://www.neighborhoodlift.com
or call 866-858-2151

Kelvin Goodwin

Home Mortgage Consultant, Phone: (404) 257-7988,Cell: (404) 454-7805 kelvin.goodwin@wellsfargo.com-NMLSR ID: 516216

1. The Neighborhood LIFT program is a collaborative program of Wells Fargo Bank, N.A., Wells Fargo Foundation, and NeighborWorks America,an independent nonprofit organization.
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2011 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801.

Jayson Duff: Why homebuyers should act NOW

In spite of the negatives in the media, the housing market has several positive conditions smart buyers are jumping on now…

1. Low prices. The fact home prices have dropped is unfortunate for sellers and the economy, but for buyers it presents a golden opportunity they may never see again. Today’s low prices mean buyers can get MORE HOUSE and a BETTER NEIGHBORHOOD than they’ve been able to afford before.

2. Fantastic rates. Mortgage rates are at 37-year lows. We may not see rates like this for a long, long time. Each 1% drop in interest rates roughly translates into a 10% boost in purchasing power. Combined with today’s low home prices, this adds up to real values that smart buyers don’t want to miss.

3. Lots of choice. Today, buyers have lots of options to look at. This is great for first-time buyers who often like to see more. First-timers are also in a great situation because they don’t have a home to sell. But all buyers benefit from choice… they have a better chance of finally getting exactly what they want in a home!

4. Negotiating leverage. Buyers who hate to negotiate will be relieved to know that in today’s buyer’s market, they have all the leverage. So it should be a lot quicker and easier for them to negotiate their best deal right now.

5. Bottoming signs. All down cycles eventually turn around. No one knows when, but there are encouraging signs housing prices may be stabilizing in parts of the country. Recent numbers from the Federal Housing Finance Agency show home prices UP 0.6% in the Mountain states and UP 0.2% in New England. Imagine that!

Bottom line: buyers have a fabulous opportunity to purchase a great home they can really afford – low market prices – at great monthly payments. But it won’t last!

… Have a great month!

Jayson Duff
Mortgage Banker
500 Town Park Lane, Suite 145
Kennesaw, GA 30144
Phone: (770) 373-5420
Mobile: (678.) 360-1969
Fax: (866) 573-1644  Website: http://www.jaysonduff.com/