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  <TITLE>Guide</TITLE>
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<P><CENTER><BR>
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<TABLE WIDTH="450" BORDER="0" CELLSPACING="2" CELLPADDING="0">
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    <TD WIDTH="100%">
    <B><FONT COLOR="#0000ff">1. Qualifying for first-time home buyer
    money in New Jersey<BR>
    2. Applying for low interest through local lenders<BR>
    3. Using a home to buy a more suitable home<BR>
    4. Using Veterans benefits to buy a home<BR>
    5. Buying a rental property as an investment<BR>
    6. Saving the money you need for down payment and settlement
    charges<BR>
    7. Repairing your credit rating<BR>
    8. Estimating settlement charges<BR>
    9. Searching for the most suitable home<BR>
    10. Increasing the value of your home</FONT></B></TD> 
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