First Time Buyer

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0 height="100%"><tr> <td valign="top" colspan=2 height=165 BGCOLOR="#99CC66" TEXT="#080000"> <div> <FONT SIZE="5" COLOR="#009900" FACE="Times New Roman" ><A HREF="index.htm" TARGET="_top" TITLE="Mortgage Finance and Home Loans"><I><B><IMG SRC="109dc5b0.png" border=0 width="220" height="91" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></A><I><B>Mortgage Finance and Home Loans</B></I></FONT><I><B>    </B></I><I><B> |     </B></I><A HREF="index.htm" TARGET="_top" TITLE="Mortgage Finance and Home Loans"><I><B>home</B></I></A></div> <div> <A HREF="id24.htm" TARGET="_top" TITLE="Fixed Interest Loans"><I><B>Fixed Interest Loans</B></I></A><I><B>   |   </B></I><A HREF="id25.htm" TARGET="_top" TITLE="Adjustable Rate Mortgages"><I><B>Adjustable Rate Mortgages</B></I></A><I><B>   |   </B></I><A HREF="id26.htm" TARGET="_top" TITLE="No Money Down Loans"><I><B>No Money Down Loans</B></I></A><I><B>   |   </B></I><A HREF="id27.htm" TARGET="_top" TITLE="Interest Only Loans"><I><B>Interest Only Loans</B></I></A><I><B>   |   </B></I><A HREF="id30.htm" TARGET="_top" TITLE="Line of Credit"><I><B>Line of Credit</B></I></A><I><B>   |   </B></I><A HREF="id32.htm" TARGET="_top" TITLE="Home Construction"><I><B>Home Construction</B></I></A><I><B>   |   </B></I><I><B>First Time Buyer</B></I><I><B>   |   </B></I><A HREF="id35.htm" TARGET="_top" TITLE="Second Mortgage"><I><B>Second Mortgage</B></I></A><I><B>   |   </B></I><A HREF="id37.htm" TARGET="_top" TITLE="Stated Income"><I><B>Stated Income</B></I></A><I><B>   |   </B></I><A HREF="id48.htm" TARGET="_top" TITLE="Find a REALTOR®"><I><B>Find a REALTOR®</B></I></A><I><B>   |   </B></I><A HREF="id49.htm" TARGET="_top" TITLE="Foreclosure"><I><B>Foreclosure</B></I></A><I><B>   |   </B></I><A HREF="id55.htm" TARGET="_top" TITLE="VA"><I><B>VA</B></I></A><I><B>   |   </B></I><A HREF="id57.htm" TARGET="_top" TITLE="Imperfect Credit"><I><B>Imperfect Credit</B></I></A></div> <bR> <div> </div> </td> </tr><tr> <td valign="top" width=165 BGCOLOR="#FFFFCC" TEXT="#080000"> <div> <I><B><IMG SRC="0ec925f0.jpg" border=0 width="146" height="95" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></div> <div> <A HREF="id60.htm" TARGET="_top" TITLE="Purchase"><I><B><IMG SRC="0cf92290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="3"></B></I></A><A HREF="id35.htm" TARGET="_top" TITLE="Second Mortgage"><I><B><IMG SRC="0d492290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="2"></B></I></A></div> <div> <A HREF="id30.htm" TARGET="_top" TITLE="Line of Credit"><I><B><IMG SRC="0d992290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="2"></B></I></A></div> <div> <A HREF="id16.htm" TARGET="_top" TITLE="Refinance"><I><B><IMG SRC="0d792290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></A></div> <div> <I><B><IMG SRC="0dd92290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></div> <div> <I><B><IMG SRC="0e092290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></div> <div> <A HREF="id17.htm" TARGET="_top" TITLE="Commercial Loans"><I><B><IMG SRC="0db92280.jpg" border=0 width="146" height="40" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></A></div> <div> <A HREF="id55.htm" TARGET="_top" TITLE="VA"><I><B><IMG SRC="0e292290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></A></div> <bR> </td> <td valign="top" height=315 width="100%" BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I><B>First Time Buyer</B></I></div> <div> <IMG SRC="1877c9b0.jpg" border=0 width="124" height="155" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <div> <I><B>Buying a Home </B></I></div> <div> <I><B>5 Steps to Buying a Home Video </B></I></div> <div> <I><B>Loan Calculators </B></I></div> <div> <I><B>Find a REALTOR® </B></I></div> <div> <I><B>Low Down Payment </B></I></div> <div> <I><B>Foreclosure Buying Tips </B></I></div> <div> <I><B>Home Buying Checklist </B></I></div> <div> <I><B>View Homes for Sale </B></I></div> <bR> <div> <I><B>Calculators </B></I></div> <div> <I><B>Fixed vs Adjustable Calculator </B></I></div> <div> <I><B>How Much Home Can You Afford? </B></I></div> <div> <I><B>Should You Refinance? </B></I></div> <div> <I><B>Compare Loans by Term </B></I></div> <div> <I><B>Should You Rent or Buy? </B></I></div> </td> </tr></table></body>