HANS GILDEIN
Phone:
215-538-5000
Mobile:
267-421-3790


Fax:
215-538-3300
Email

Office:
Bucks County North
2100 Quakerpoint Drive
Quakertown, PA 18951

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Welcome to Keller Williams Real Estate
by
Hans Gildein your Professional Real Estate Counselor



Thank you for visiting my website.  I am a full-time real estate advisor.  My specialty is you!  By that I mean, your home buying or selling experience should be focused on your needs, your dreams, your goals and your wishes.  My goal is to help you by providing as much information as needed so that you can make the most informed decision possible.

I specialize in the areas of Upper Bucks County and Upper Montgomery County.   I work out of the Quakertown office and focus my attention in the areas of Quakertown Community School District, Souderton district, and Upper Perkiomen District.  




Want to know more about the First Time Home Buyer Tax Credit of $8000?

 

Quick facts and refund opportunities:

FAQ's

  • A tax credit of $8000 is available to first time home owners.
  • A first time home buyer is defined as someone who has not owned a principle residence during the three years prior to the purchase.
  • This tax credit does not have to be repaid if the property is held for a minimum of three years.
  • The tax credit is available for homes purchased after January 1st, 2009 and on or before November 30th, 2009.
  • You can take advantage of the tax credit relative to your 2008 tax year:
    • The tax credit can be applied against your 2008 tax return that is due on April 15th.
    • If you have already filed your 2008 return, you can immediately amend your return once you purchase a home and you should receive a refund in 30 to 60 days.
    • If you home closing is scheduled to occur after April 15th, 2009, you can choose to file an extension to October 15th, 2009 to file you 2008 return and take advantage of the Tax Credit and receive your refund.

       
  • It is highly recommended that you consult your tax professional to determine how to best take advantage of the Tax Credit relative to your personal financial situation.
  • If you received or are going to receive a personal loan from friends or family members to use toward the down payment of your home, the refund you may receive as a result of the Tax Credit can assist you in paying them back in a timely manner.


*First time home buyer is an individual (excluding a non-resident alien) who has not owned a principle residence in the past three years and is purchasing the new home as their primary residence.  Tax Credit is subject to eligibility requirements.  Keller Williams cannot provide guarantees of actual savings and does not guarantee the homebuyers qualifications for the Federal Tax Credit.  Credit is subject to 3 year ownership requirement.   Not tax advice.  Homebuyers should consult with their tax adviser.  Tax laws are subject to change.

 Want to get pre-qualified?  I work very closely with several mortgage. Please visit the following lenders for more information:

                                                                                  

                                       Terri Yetter at Wells Fargo                                 Bill and Sharon Weiner at Gateway Funding

 

8 Steps to Getting Your Finances in Order
  1. Develop a family budget. Instead of budgeting what you’d like to spend, use receipts to create a budget for what you actually spent over the last six months. One advantage of this approach is that it factors in unexpected expenses, such as car repairs, illnesses, etc., as well as predictable costs such as rent.
 
  1. Reduce your debt. Generally speaking, lenders look for a total debt load of no more than 36 percent of income. Since this figure includes your mortgage, which typically ranges between 25 percent and 28 percent of income, you need to get the rest of installment debt—car loans, student loans, revolving balances on credit cards—down to between 8 percent and 10 percent of your total income.
 
  1. Get a handle on expenses. You probably know how much you spend on rent and utilities, but little expenses add up. Try writing down everything you spend for one month. You’ll probably see some great ways to save.
 
  1. Increase your income. It may be necessary to take on a second, part-time job to get your income at a high-enough level to qualify for the home you want.
 
  1. Save for a downpayment. Although it’s possible to get a mortgage with only 5 percent down—or even less in some cases—you can usually get a better rate and a lower overall cost if you put down more. Shoot for saving a 20 percent downpayment.
 
  1. Create a house fund. Don’t just plan on saving whatever’s left toward a downpayment. Instead decide on a certain amount a month you want to save, then put it away as you pay your monthly bills.
 
  1. Keep your job. While you don’t need to be in the same job forever to qualify, having a job for less than two years may mean you have to pay a higher interest rate.
 
  1. Establish a good credit history. Get a credit card and make payments by the due date. Do the same for all your other bills. Pay off the entire balance promptly.



     

8 Ways to Improve Your Credit


 Credit scores, along with your overall income and debt, are a big factor in determining if you’ll qualify for a loan and what loan terms you’ll be able to qualify for.

 
1.      Check for and correct errors in your credit report. Mistakes happen, and you could be paying for someone else’s poor financial management.
 
2.      Pay down credit card bills. If possible, pay off the entire balance every month. However, transferring credit card debt from one card to another could lower your score.
 
3.      Don’t charge your credit cards to the maximum limit.
 
4.      Wait 12 months after credit difficulties to apply for a mortgage. You’re penalized less for problems after a year.
 
5.      Don’t purchase big-ticket items for your new home on credit cards until after the loan is approved. The amounts will add to your debt.
 
6.      Don’t open new credit card accounts before applying for a mortgage. Having too much available credit can lower your score.
 
7.      Shop for mortgage rates all at once. Too many credit applications can lower your score, but multiple inquiries from the same type of lender are counted as one inquiry if submitted over a short period of time.
 
8.      Avoid finance companies. Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management.
 
This information is copyrighted by the Fannie Mae Foundation and is used with permission of the Fannie Mae Foundation. To obtain a complete copy of the publication, “Knowing and Understanding Your Credit,” visit http://www.homebuyingguide.org.

 

 

5 Factors That Decide Your Credit Score


 

 

 

Credit scores range between 200 and 800. Scores above 620 are considered desirable for obtaining a mortgage. These factors will affect your score.
 
  1. Your payment history. Whether you paid credit card obligations on time.
 
  1. How much you owe. Owing a great deal of money on numerous accounts can indicate that you are overextended.
 
  1. The length of your credit history. In general, the longer the better.
 
  1. How much new credit you have. New credit, either installment payments or new credit cards, are considered more risky, even if you pay promptly.
 
  1. The types of credit you use. Generally, it’s desirable to have more than one type of credit—installment loans, credit cards, and a mortgage, for example.
 For more on evaluating and understanding your credit score, go to http://www.myfico.com.





How I can help

Thanks for starting your real estate search with us. This website is full of information for you whether you are looking to buy or sell.  

After you have had the chance to review this information, contact me so we can tell you more about how we can help.

 I appreciate the opportunity to earn your business.

 

 About me:
 I specialize in the areas of Upper Bucks County and Upper Montgomery County. I grew up in East Greenville and attended the Upper Perkiomen School District. Therefore I'm very familiar with Pennsburg, Red Hill, Green Lane, Sumneytown and Perkiomenville.
 Our family spent a lot of time in Quakertown, Richlandtown, Richland Township and Trumbauersville, Milford and Dublin.
 I own a home in Telford. I have become quite familiar with Souderton, Harleysville, Franconia, Perkasie, Sellersville, Hilltown, Rockhill and Hatfield.
 For many years, I paid rent to many different landlords in the areas of Lansdale, North Wales, Montgomeryville, Colmar, Towaminson, mainland and Lederach.
 Don’t even get me started with all of the places that I’ve worked…Geryville, Salford, Vernfield, Schwenksville, Skippack, Kulpsville, Chalfont, Montgomeryville, North Wales, Lansdale, Blue Bell, Plymoth Meeting and King of Prussia.
 
It may seem a little silly to list all of these places, but my point is: I know these counties. I’ve lived her all of my life and I love this area.