A new home is the most important purchase of your life, and it can be stressful—especially for first-time buyers! At Citation Homes, we are committed to making your purchase as memorable and comfortable as possible. So put yourself in the skillful hands of our highly experienced sales team, and we’ll work together to make the homebuying process as easy as can be.

Why is now the best time to buy? Am I really getting the best deal?
Right now homebuyers are facing a huge opportunity. The federal government is offering large tax credits to help stabilize the market, homebuilders are drastically reducing prices on a wide selection of new homes in highly desirable locations, heavy competition is leading to great buyer incentives and interest rates are the lowest they’ve been in years. However, this window of opportunity is closing fast—as the market improves, your chance for the biggest savings will diminish.

Will my home lose value if I buy now?
Many regions in California are experiencing a drop in home values, but Santa Clara County has been more stable. Remaining one of the best areas for new and growing families, Santa Clara County offers homes with lasting value. Many homebuyers realize that a new home purchase is more than just a financial investment—it is a place to put down roots and raise a family. Rest assured that you can feel confident about the lasting, long-term value of a new home purchase.

What if I am unable to get home financing?
With home mortgage rates at their lowest in years and conforming loan limits on the rise, financing is currently highly accessible to new homebuyers. Plus, the wide variety of lending programs available is making it easy to find a loan that perfectly meets your needs.

Mortgage Calculator
Get an idea of what your monthly payments will be based on your down payment and current rates at www.mortgagecalculator.org.

Credit Scores
Click here to learn the basics about credit scores, how they work and simple ways that you can improve yours. www.myfico.com/CreditEducation/CreditScores.aspx.

Getting pre-qualified for a home loan is the most important step toward homeownership. Once you are pre-qualified to buy, choosing the right home for your needs becomes much easier. By working closely with our preferred lenders, you can determine just how much you’ll be able to afford and what your monthly mortgage payments will look like.

Contact one of our sales representatives for more information on how to get started.

Citation Homes is not affiliated with any home loan agencies, but we have carefully vetted the Bay Area’s top lenders to better meet your mortgage needs. Contact one of our preferred lenders today to find out how you can benefit from the best rates and customer service available.

CINDY HUBBARD
Bank of America Home Loans
1999 South Bascom Avenue Suite 810
Campbell, CA 95008
Office: (408) 307-0225
Fax: (408) 557-8022
http://mortgage.bankofamerica.com/cindyrhubbard

RICK NIELSEN
Wells Fargo Home Mortgage
1021 Blossom Hill Road #A
San Jose, CA 95123
Office: (408) 723-6629
Cell: (408) 242-1816
https://www.wfhm.com/loans/rick-nielsen/index_newconstruction.page