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Celebrate Yardley With Us! Saturday, September 20th 10 am - 5 pm Stop by my Office and enjoy FREE PONY RIDES & LIVE MUSIC under our tent. LeTip Internaonal... The Premier Professional Leads Organizaon. Disclaimers: All real estate informaon deemed reliable but not guaranteed and should be independently verified. All properes are subject to prior sale, change, or withdrawal. Neither lisng brokers nor this company shall be responsible for typographical errors, misinformaon, misprints and shall be held totally harmless. If your property is currently listed with another real estate broker, this is not a solicitaon of that lisng. Each RE/MAX office is independently owned and operated. Ask me about refinancing your current home loan. I’m a Licensed Mortgage Loan Officer. Need something done around the house? Looking to expand your business opportunies? I’m Chapter President of LeTip of Newtown...ask me how I can help. Stop wasng me searching Realtor.com for acve, pending and seled homes in the community where you live. With one simple step, you get automac updates via e-mail of all the real estate acvity in the MLS for your neighborhood! You pick the frequency of emails & the community you want to get info on-- whether its the one you currently reside in or the one you want to move into! 1. Which child received a whole box of Turkish Delights from the White Witch in "The Lion, the Witch, and the Wardrobe"? a- Lucy, b-Peter, c-Edmund, d-Susan. 2. What TV series featured a chemistry teacher named Walter White? a-"Mr. Peepers," b-"Breaking Bad," c-"Our Miss Brooks," d-"Malcolm in the Middle." 3. What city is the seng for Erik Larson’s historical book "The Devil in the White City"? a-Detroit, b-Vacan City, c-Chicago, d- Balmore. 4. What city is located at the confluence of the White Nile and the Blue Nile? a-Alexandria, b-Cairo, c-Thebes, d-Khartoum. 5. The Chicago White Sox lost the 1919 World Series in what became known as the Black Sox Scandal. Which team won that Series? a-Brooklyn Dodgers, b-Cleveland Indians, c-Cincinna Reds, d-New York Yankees. 6.What track on the Beatles "White Album," running over 8 minutes long, is the longest song recorded by the group? a- "Revoluon 9," b-"While My Guitar Gently Weeps," c-"Helter Skelter," d-"Dear Prudence." 7. Which NBA team rered the #10 jersey of point guard Jo Jo White? a-Chicago Bulls, b-Milwaukee Bucks, c-Philadelphia 76ers, d-Boston Celcs. 8. "White Blood Cells" and "Elephant" were successful albums from what rock duo? a-The Black Keys, b-Hall and Oates, c- Capital Cies, d-The White Stripes. 9. What musical instrument is Jaleel White shown playing during the opening credits of the TV sitcom "Family Maers"? a- Electric organ, b-Harmonica, c-Accordion, d-Banjo. 10. What comic strip crime fighter was assisted by the sidekick Ebony White? a-The Spirit, b-The Phantom, c-The Rocketeer, d- Green Lantern. Drew Ferrara Licensed Mortgage Loan Originator Beauful and Spacious 4 Bed- room, 2.5 Bath Colonial Split Level in Newtown Crossing, Newtown Township. A Great Community in the presgious Council Rock School District. Two Story 4 Bedroom, 2.5 bath Cape Cod in presgious Buckland Valley Farms in Upper Makefield Township (Washington Crossing). Super desirable Brandon Model Town Home in Makefield Glen’s Aspen Woods Secon. Carefree Planned Community Living at its Best! Lovely Colonial in sought-aſter Peddler’s View in Solebury Township. This wonderful home is near Peddler’s Village, New Hope, and Doylestown. 4 Bedroom, 2.5 Baths. 3,358 sq. ſt. of living space in beauful Central Bucks County. New Hope Solebury Schools. Exclusive and rarely offered end unit in desira- ble Barclay Court, features 2 car aached garage, this home has been lovingly maintained with 3 sides of natural light Lower Makefield Township - Yardley Hunt. Beauful 4 Bedroom 2.5 Bath Colonial with Sun Room Addion & marble flooring! in 2012 in 2012 4 Bedroom 2.5 Bath Colonial in the Milford Manor neighborhood in Lower Makefield Township (Yardley).

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Page 1: Drew Ferrara Licensed Mortgage Loan Originator › users › 36610 › downloads › Drew's … · uying a home. You'll be eligible for the mortgage interest deduction, mortgage points

Celebrate Yardley With Us! Saturday, September 20th

10 am - 5 pm Stop by my Office and enjoy

FREE PONY RIDES & LIVE MUSIC under our tent.

LeTip International... The Premier Professional Leads Organization.

Disclaimers: All real estate information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal. Neither listing brokers nor this company shall be responsible for typographical errors, misinformation, misprints and shall be held totally harmless. If your property is currently listed with another real estate broker, this is not a solicitation of that listing. Each RE/MAX office is independently owned and operated.

Ask me about refinancing your current home loan. I’m a Licensed Mortgage Loan Officer.

Need something done around the house? Looking to expand your business opportunities? I’m Chapter President of LeTip of Newtown...ask me how I can help.

Stop wasting time searching Realtor.com for active, pending and settled homes in the community where you live. With one simple step, you get automatic updates via e-mail of all the real estate activity in the MLS for your neighborhood! You pick the frequency of emails & the community you want to get info on-- whether its the one you currently reside in or the one you want to move into!

1. Which child received a whole box of Turkish Delights from the White Witch in "The Lion, the Witch, and the Wardrobe"? a -Lucy, b-Peter, c-Edmund, d-Susan. 2. What TV series featured a chemistry teacher named Walter White? a-"Mr. Peepers," b-"Breaking Bad," c-"Our Miss Brooks," d-"Malcolm in the Middle." 3. What city is the setting for Erik Larson’s historical book "The Devil in the White City"? a-Detroit, b-Vatican City, c-Chicago, d-Baltimore. 4. What city is located at the confluence of the White Nile and the Blue Nile? a-Alexandria, b-Cairo, c-Thebes, d-Khartoum. 5. The Chicago White Sox lost the 1919 World Series in what became known as the Black Sox Scandal. Which team won that Series? a-Brooklyn Dodgers, b-Cleveland Indians, c-Cincinnati Reds, d-New York Yankees. 6.What track on the Beatles "White Album," running over 8 minutes long, is the longest song recorded by the group? a -"Revolution 9," b-"While My Guitar Gently Weeps," c-"Helter Skelter," d-"Dear Prudence." 7. Which NBA team retired the #10 jersey of point guard Jo Jo White? a-Chicago Bulls, b-Milwaukee Bucks, c-Philadelphia 76ers, d-Boston Celtics. 8. "White Blood Cells" and "Elephant" were successful albums from what rock duo? a-The Black Keys, b-Hall and Oates, c-Capital Cities, d-The White Stripes. 9. What musical instrument is Jaleel White shown playing during the opening credits of the TV sitcom "Family Matters"? a -Electric organ, b-Harmonica, c-Accordion, d-Banjo. 10. What comic strip crime fighter was assisted by the sidekick Ebony White? a-The Spirit, b-The Phantom, c-The Rocketeer, d-Green Lantern.

Drew Ferrara Licensed Mortgage Loan Originator

Beautiful and Spacious 4 Bed-room, 2.5 Bath Colonial Split Level in Newtown Crossing, Newtown Township. A Great Community in the prestigious Council Rock School District.

Two Story 4 Bedroom, 2.5 bath Cape Cod in prestigious Buckland Valley Farms in Upper Makefield Township (Washington Crossing).

Super desirable Brandon Model Town Home in Makefield Glen’s Aspen Woods Section. Carefree Planned Community Living at its Best!

Lovely Colonial in sought-after Peddler’s View in Solebury Township. This wonderful home is near Peddler’s Village, New Hope, and Doylestown. 4 Bedroom, 2.5 Baths. 3,358 sq. ft. of living space in beautiful Central Bucks County. New Hope Solebury Schools.

Exclusive and rarely offered end unit in desira-ble Barclay Court, features 2 car attached garage, this home has been lovingly maintained with 3 sides of natural light

Lower Makefield Township - Yardley Hunt. Beautiful 4 Bedroom 2.5 Bath Colonial with Sun Room Addition & marble flooring!

in 2012

in 2012

4 Bedroom 2.5 Bath Colonial in the Milford Manor neighborhood in Lower Makefield Township (Yardley).

Page 2: Drew Ferrara Licensed Mortgage Loan Originator › users › 36610 › downloads › Drew's … · uying a home. You'll be eligible for the mortgage interest deduction, mortgage points

We can afford to buy a home, but don't have a big down payment. Is there any chance we can still get a mortgage?

I'd say it's time for you to start shopping for the home you want. Within the next few months, U.S. policy makers are planning to shoot down the

20 percent down payment rule. In order to give the housing market a boost, they will bring back the no-down-payment mortgage or at least greatly reduce the 20 percent requirement. The Securities and Exchange Commission (SEC) is still pushing for buyers to make

some kind of down payment, but at least in the beginning of the new rules, they will approve the policy since it will be reevaluated in two years and every five years after that. Changing the 2011 rules: The Obama Administration has been trying to relax some of the postcrisis efforts to tightening lending standards. Their concern was that the housing sector, traditionally an engine for economic recovery, is struggling to shift into high gear. Quoted in The Wall Street Journal, the overseer of Fannie Mae and Freddie Mac recently said mortgage companies should make more credit available to home buyers. The SEC's change of heart is the latest twist in a battle over the 2010 Dodd-Frank mortgage rule. It was intended to improve the quality of loans by increasing down payments or making banks retain a stake in mortgages they make, package and sell to investors. If lenders didn't get 20 percent down, they would have to retain 5 percent of a loan's risk on their own books. Fighting the 20 percent rule: The original rule proposed three years ago brought a backlash from the housing industry, affordable housing authorities and civil-rights groups. They said the requirement would end the dream of home ownership for many Americans. And that's exactly what the 20 percent down payment rule did. Please contact me for more information on this very confusing subject.

Answer to “White Noise”: 1-c, Edmund; 2-b, "Breaking Bad"; 3-c, Chicago; 4-d, Khartoum; 5-c, Cincinnati Reds; 6-a, "Revolution 9"; 7-d, Boston Celtics; 8-d, The White Stripes; 9-c, Accordion; 10-a,

Retirement planning: Don't let fears of Social Security paralyze you Who believes Social Security will be around for them? Hands? About 6 out of 100 of the millennial generation raised their hands. Wealth advisor Scott Hanson would probably be on their side. He says every study shows that Social Security is unsustainable in its current form. But few people think the program can or will stay in its current form. Instead, young people will probably at some point be taxed more and there might be a means test for the program. That means, if you've prepared well, invested wisely, you might lose your contributions in favor of those who didn't do either. Hanson advises well-healed people to consider

taking their social security early, while people who will rely on it for all their retirement living should take it late and try to accumulate savings. At Harvard Business School, professor Michael Norton says you can improve the odds of accumulating money.

Quoted in Bloomberg Businessweek, he says: "Focus on specific things you're saving for. How many times a week do you want to eat out when you retire? How about a summer in Paris or a world tour? Forgo new swimsuits now, and you're that much closer to adding a pool. These kinds of

goals make saving more enjoyable. My networking group, LeTip of Newtown has a great Financial Planner. Contact me for details.

There are many tax deductions targeted at middle-class families. Taking full advantage of them is important particularly for dual-income couples, because not taking them creates a good chance they'll get hit by the marriage penalty (when two individuals pay more in taxes as a married couple than as individuals.) Buying a home. You'll be eligible

for the mortgage interest deduction, mortgage points and real estate taxes. If you borrow against the home with a home equity line of credit, up to $100,000 in interest is deductible, no matter how you use the money.

Starting a family. The child tax credit takes $1,000 off your tax bill and you can claim it every year until our child reaches 17. Parents with an adjusted gross income of $110,000 or less are eligible.

Caring for children. You may also be eligible for a tax credit for child care. For children under age

13, you can get a tax credit of 20 percent to 35 percent for up to $3,000 in child-care expenses or $6,000 for two or more children. Also deductible are the costs of a nanny, preschool, before- or after-school child

care and summer day camp. Saving for retirement. One often

overlooked tax break is the Saver's Tax Credit. If you're married and have an

adjusted gross income of $59,000 or less ($29,000 for singles) you can claim a credit for 10 percent to 50 percent of the amount you save, up

to $2,000 for joint filers. Those not covered by a plan at work can deduct an IRA

contribution up to $5,500 per year for each spouse, $6,500 if you are 50 or older.

Saving for college. Depending on your state, you may be able to deduct a portion of your 529 college-savings plan from your states taxes.

5,000 sq. ft. Custom Contemporary on 10 acres in Wrightstown Township. 4 Bedroom, 3 and 1/2 Baths, Large rooms, Upgraded Kitchen with granite, and ultra high-end appliances. Heated In-Ground Pool with Jacuzzi. A real Showplace in Move-in Condition.

Two Brand New Homes in premium locations across from Core Creek Park! 4 Bedrooms, 2.5 Baths, total of 12 Rooms with 2,800+ Sq Ft. Wychwood Lane & Bridgetown Pike, Langhorne. Pick your flooring and move right in!

Enchanting 5 Bedroom, 3.5 Bath Center Hall Colonial in Lower Makefield Township. Features include Kitchen with Granite Counters and Upgraded Stainless Steel Appliances, as well as a Full Finished Basement. 3,700+ sq. ft. situated on a Premium 1/2 acre lot in beautiful Yardley Estates.

Tremendous brick-front center hall colonial in Lower Makefield Township offers gleaming hardwood flooring, a granite island Kitchen opening to a Sun Room addition and a finished walk-out Basement . 4 Bedroom, 2.5 Baths; 4,800+ Sq. ft. sited on .66 Acres.

Lovely 4 Bedroom 2.5 Bath Colonial Home in Pine Run in Northampton Township. Features include newer Dutch Lap Siding, a beautiful Kitchen with Granite Counters and a custom Pantry, as well as a Main Bedroom suite with Sitting area, and Dressing Room.

This recently rehabbed cape in Morrisville Boro features Real hardwood flooring, Kitchen with granite counters, stainless appliances, farmhouse sink opens to a Breakfast Room. Large Great Room w/ fireplace and built-ins. 2 new Baths, windows, gas heat/central air, deck, deep yard with detached Garage.

Imagine what life was like over 300 years ago when "Lanrick Manor" was built in 1705. This Historically significant 4 Bedroom 2.5 Bath “History House” is on over 1.5 acres in Yardley Boro. Enjoy Delaware River Views + Riparian Rights!

This 4 Bedroom, 3.5 Bath Home boasts over 3,800 sqft of bright living space with abundant moldings, 30' Family Room with fireplace & skylights, island Kitchen, Sitting Room & dual walk-in closets in the Main Bedroom Suite plus a finished walk-out Lower Level opening to a huge rear yard.

5 Bedroom 2.5 Baths in Lower Makefield Township (Yardley). This Stately all brick colonial with an amazing Kitchen on a large beautiful lot along prestigious Makefield Road. Fully fenced Back Yard with Gazebo and Shed.

Slate-roofed European style center hall colonial has architecturally interesting living spaces with wondrous accents at every turn. Full of charm & upgrades, this one of a kind custom built home has been thoughtfully expanded to encompass 4 Bedrooms, 3.5 Baths, 2 Fireplaces, new granite/stainless Kitchen, plus Conservatory & Den. Sprawling grounds incorporate a 1,500 gallon fish pond & private walled-in brick BBQ area surrounded by established landscaping & shade trees. Note the slate roof, wrought iron accents, old world lantern style lighting, European-style plaques and antique door-toppers along the handsome façade. Leaded-glass front door accesses the formal entry Foyer with hardwood flooring, chair railing & wide baseboard moldings. Brick Fireplace with detailed mantle, hardwood flooring & intricate ceiling medallion surrounding a crystal chandelier are found in the formal Living Room. Ideal commuting location - just a few miles from NJ, Turnpike, Oxford Valley Mall, grocery stores, boutique shops in Yardley & Newtown Boroughs.