Did you know that you can use the bank's money to make repairs/upgrades to a home you are purchasing (or refinancing)? It is truly a great way to find a "bargain" in today's real estate marketplace. Look for things like "handyman special" or "fixer upper" in the description of properties for sale. This normally will mean that a property is being listed for sale below market price because it is in need of repairs. Got questions...we are always available to answer at www.FirstAmericanMortgage.net.