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Strategies & Market Trends : The Residential Real Estate Crash Index -- Ignore unavailable to you. Want to Upgrade?

To: coug who wrote (170600)	12/11/2008 3:21:18 PM
From: John Koligman	Read Replies (2) \| Respond to of 306849

Here is the meat of the offer. At some point,especially if mortgage money does get to that oft mentioned 4.5% level I do think it's going to get many 'fence sitters' to buy. I noticed in this offer you only need a 3.5% down payment... They do apparently include Southern CA in the offer. Regards, John Dear John, Purchase a completed Ryland home by December 31, 2008 and close by January 16, 2009... and get an incredible rate! 3.875 Interest Rate for year 1 3.875 Interest Rate for year 2 4.875 for years 3 - 30 This is a fantastic opportunity to buy a home at the lowest rates of the year. -------------------------------------------------------------------------------- Baltimore Chicagoland Delaware Denver Las Vegas Twin Cities Northern California Phoenix Southern California Washington D.C./Northern Virginia Annual Percentage Rate of 5.239% calculated from a full-term 30-year standard FHA loan at a 4.875% interest rate and a purchase price of $200,000. The first and second year interest rate is 3.875% with years 3-30 at 4.875%. Requires 3.5% down payment. Does not include taxes, insurance or HOA dues. Buyer may be responsible for some closing costs. Certain credit restrictions apply. This offer is available only if Buyer obtains a loan through Ryland Mortgage Company. Buyer may finance via any qualified lender but will not be eligible for this offer. Offer only available on quick move-in homes to close by 1/16/2009. See a Ryland Sales Counselor for details and restrictions. Prices and plans are subject to change without notice. Â©2008 The Ryland Group, Inc. Ryland Homes North Division 21925 Field Parkway Suite 230 Deer Park, IL 60010