Applicants must be first-time homebuyers evidenced by signed copies of the last three years of federal income tax returns (with certain exceptions) and must meet established income and purchase price limits.

Three exceptions to the first-time buyer rule include divorce, natural disaster, and job relocation. Purchase price limitations and/or income limits apply to the program and can be found with more details for the program at www.nifa.org, or call us for the details at 888-273-9500.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.
The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.