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RISMEDIA, August 14, 2009-This is not your father’s real estate market! Declining home values have brought about the re-pricing of homes across the United States. These declining home values have also made lenders more risk averse, with many mortgage loans being denied because the appraised value of homes is less than the agreed to selling price. Conventional loans, approved by Fannie Mae and Freddie Mac, are requiring higher down payments and demanding higher credit scores and fees to receive the lowest interest rates.

Conversely, government loan programs, both state and federal, have become the lower cost option for many homebuyers. The fact remains that many real estate agents and prospective homebuyers are unaware of these programs. “Homes, Buyers and Mortgages” is a compilation and interpretation of information that homebuyers, existing homeowners and investors will find invaluable.

“Homes, Buyers and Mortgages” is a solutions oriented book that provides not only information on how things have changed but serves as a resource guide to homebuyers of where to go to avail themselves of these programs. The book is supplemented by a “Homes, Buyers and Mortgages” website that the reader can access for updated information on these programs.

The author, Jason Kotar is a Florida certified educator who has developed and teaches courses to real estate agents throughout Florida. Jason has received approval from the state to teach a continuing education course on Homes, Buyers and Mortgages. Jason has also published numerous articles in a national real estate magazine covering appraisals, government actions affecting the housing market and changes in the mortgage industry.

For more information, visit for further information on the book and reference material. If you are interested, a copy of the book can be sent to you for your review. Please email your address to Jason Kotar at You can reach him at Kotar Associates, 954-734-3504