NOW IS THE TIME TO BUY. Cindy Dunigan, Realtor with Real Living HER is offering multiple FREE seminars in February for home buyers. She will team up with Carolyn Frey, owner of Mortgage Lending Solutions to offer information on how to buy a home in today's real-estate market. Sessions will cover topics such as the extended tax credit, HUD, bank-owned homes, financing and why it is a good time to buy.

The purchase of a home is one of the most complex, high-risk and expensive transactions most people will ever experience, yet approximately half of the home buyers go to the closing table without an advocate by their side. Without someone representing their interests, how will these buyers ever know if they found the right home at the right price? If you are an unrepresented buyer, here are some good reasons why you should hire a Realtor.

• It's FREE! Having a Realtor represent you is a free service to you the Buyer, the seller pays the Realtor's commission.

• The Seller’s Realtor represents THE SELLER

• I have all the tools (a license, access to the homes, the MLS system) to find your new home which saves you time, frustration, money and stress

• I will make sure that the homes you look at fit your exact specifications and purchasing power saving you time

• I know how to use the tools available only to licensed Realtors to make sure you don’t pay too much for your new home

• I understand the current market. I will advise you as to the resale value and marketability of your home and help you compare your property to others sold in the exact neighborhood

• I will represent your interests in regards to the value and condition of a home

• I will educate you on the process of buying a home from contract to closing, assuring a smooth transition into your new home