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mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin-top:0in; mso-para-margin-right:0in; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0in; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} </style> <![endif]--><!--[if gte mso 9]><xml> <o:shapedefaults v:ext="edit" spidmax="1026"/> </xml><![endif]--><!--[if gte mso 9]><xml> <o:shapelayout v:ext="edit"> <o:idmap v:ext="edit" data="1"/> </o:shapelayout></xml><![endif]--> </head> <body lang=EN-US link=blue vlink=purple style='tab-interval:.5in'> <div class=WordSection1> <p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto; line-height:normal'><b><span style='font-size:14.0pt;font-family:"MS Reference Sans Serif","sans-serif"; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Arial; color:black;mso-themecolor:text1'>Your Down Payment Effects Everything</span></b><span style='font-size:14.0pt;font-family:"MS Reference Sans Serif","sans-serif"; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman"; color:black;mso-themecolor:text1'><o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto; line-height:normal'><b><span style='font-size:12.0pt;font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman";color:black;mso-themecolor:text1'> </span></b><span style='font-size:10.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";color:black;mso-themecolor:text1'><o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto; line-height:normal'><a name="Your_First_Step_Toward_Buying_a_Home"><b><u><span style='font-size:12.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black;mso-themecolor:text1'>Your </span></u></b></a><b><u><span style='font-size:12.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black;mso-themecolor:text1'>First Step <span class=GramE>Toward</span> Buying a Home</span></u></b><u><span style='font-size:12.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";color:black;mso-themecolor:text1'><o:p></o:p></span></u></p> <p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto; line-height:normal'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black;mso-themecolor:text1'>When preparing to buy a home, the first thing many homebuyers do is look at "homes for sale" ads in newspapers, magazines and listings on the internet. Some potential buyers read "how-to" articles like this one. The next thing you should do - before you call on an ad, before you talk to a Realtor, before you shop for interest rates - is look at your savings.</span><span style='font-size:12.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";color:black;mso-themecolor:text1'><o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto; line-height:normal'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black;mso-themecolor:text1'>Why?</span><span style='font-size:12.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman";color:black;mso-themecolor:text1'><o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto; line-height:normal'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:black;mso-themecolor:text1'>Because determining how much money you have available for down payment and closing costs affects almost every aspect of buying a home - including how you write your purchase offer, the loan programs you qualify for, and shopping for interest rates.</span><span style='font-size:12.0pt;font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman";color:black;mso-themecolor:text1'><o:p></o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=663 style='width:497.6pt;mso-cellspacing:0in;margin-left:-11.6pt;background:white; mso-yfti-tbllook:1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=663 valign=bottom style='width:497.6pt;padding:0in 0in 0in 0in'> <p class=MsoNormal style='margin-bottom:0in;margin-bottom:.0001pt;line-height: normal'><span style='font-size:12.0pt;font-family:"Verdana","sans-serif"; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman"'><o:p> </o:p></span></p> <table class=MsoNormalTable border=1 cellpadding=0 width=539 style='width:404.0pt;mso-cellspacing:1.5pt;border:none;border-top:solid #EBEBEB 2.25pt; mso-yfti-tbllook:1184'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='border:none;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal style='margin-bottom:0in;margin-bottom:.0001pt; line-height:normal'><span style='font-size:12.0pt;font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p> </td> </tr> </table> <p class=MsoNormal align=center style='margin-bottom:0in;margin-bottom:.0001pt; text-align:center;line-height:normal'><span style='font-size:12.0pt; font-family:"Verdana","sans-serif";mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Times New Roman";display:none;mso-hide:all'><o:p> </o:p></span></p> <table class=MsoNormalTable border=0 cellpadding=0 style='mso-cellspacing: 1.5pt;mso-yfti-tbllook:1184'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:34.65pt'> <td width=230 valign=top style='width:172.3pt;padding:.75pt .75pt .75pt .75pt; height:34.65pt'> <p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;line-height:normal'><b><span style='font-size:7.5pt;font-family:"Verdana","sans-serif"; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman"'>Robin Brooks</span></b><span style='font-size:7.5pt;font-family:"Verdana","sans-serif"; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman"'><br> Keller Williams Realty<br> 760 Camino Ramon <span class=SpellE>Ste</span> 260<br> Danville CA 94526</span><span style='font-size:12.0pt;font-family: "Times New Roman","serif";mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> <td width=50 valign=top style='width:37.4pt;padding:.75pt .75pt .75pt .75pt; height:34.65pt'></td> <td width=234 valign=top style='width:175.5pt;padding:.75pt .75pt .75pt .75pt; height:34.65pt'> <p class=MsoNormal align=right style='margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal'><b><span style='font-size:7.5pt; font-family:"Verdana","sans-serif";mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Times New Roman"'>Phone:</span></b><span style='font-size:7.5pt;font-family:"Verdana","sans-serif";mso-fareast-font-family: "Times New Roman";mso-bidi-font-family:"Times New Roman"'> 925-855-8333</span><span style='font-size:12.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> <p class=MsoNormal align=right style='margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal'><b><span style='font-size:7.5pt; font-family:"Verdana","sans-serif";mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Times New Roman"'>Mobile:</span></b><span style='font-size:7.5pt;font-family:"Verdana","sans-serif";mso-fareast-font-family: "Times New Roman";mso-bidi-font-family:"Times New Roman"'> 925-212-2446<o:p></o:p></span></p> <p class=MsoNormal align=right style='margin-bottom:0in;margin-bottom:.0001pt; text-align:right;line-height:normal'><span style='font-size:7.5pt; font-family:"Verdana","sans-serif";mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Times New Roman"'>Home Page: <u><span style='color:blue'><a href="http://www.agentrobin.com" target="_parent">www.agentrobin.com</a></span></u> <o:p></o:p></span></p> </td> </tr> </table> </td> </tr> </table> </div> <p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto; line-height:normal'><span style='font-size:12.0pt;font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto; line-height:normal'><span class=GramE><span style='font-size:7.5pt;font-family: "Arial","sans-serif";mso-fareast-font-family:"Times New Roman";color:#E80000'>copyright</span></span><span style='font-size:7.5pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:#E80000'> 1999 by Terry Light and <span class=SpellE>RealEstate</span> ABC, modified in 2000 and 2002</span><span style='color:black;mso-themecolor: text1'><o:p></o:p></span></p> </div> </body> </html>
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