If you are having a difficult time deciding whether or not homeownership is right for you, let us at Contempo Realty help you make the right choice, by working with us and our Counseling Agencies.

Agency	Contact Person	Address	Phone Number	Website
NANAY CDC	Mike Gozon	659 N.E. 125 Street, North Miami, Florida 33161	305-981-3232	www.nanay.com
Miami Beach CDC	Daniel or Iyvette	945 Pennsylvania Avenue Miami, FL	305-538.0090	www.miamibeachcdc.org
Opa Locka CDC	Bonnye Desse	490 Opa Locka Blvd, Suite 20 Opa Locka, Fl. 33054	305-687-3545	www.floridacdc.org
Neighborhood Housing Services	Leon Cannon	181 N.E. 82nd Street Miami, FL 33181	305-751-5511	www.mdnhs.org
Universal Truth	Barbara Williams	21310 N.W. 37th Avenue Miami Gardens, Fl. 33056	305-624-4991	www.utruthcenter.org
Centro Campesino Farmworkers	Renetta Delgado	P.O. Box 343449 Florida City, Fl. 33034	305-245-7738	www.centrocampesino.org

Our Counseling Agency Partners list above is to assist you with credit repair, budget counseling, and financial fitness. Please take a moment to contact them and view their information and remember if you have any further questions contact your mortgage consultant, because renting is not always the best option.

DISADVANTAGES WITH RENTING

• NO tax benefit - You cannot claim the interest on teh porperty as a deduction.
• NO investment in or from the property - You cannot rent or sell the property to increase your wealth.
• No growth in equity - You cannot take advantage of the appreciation on the proeprty as a renter.

For further information, Please, contact Hazel (Office Coordinator) at:
305-461-6420.