Be Your Own Builderwith as little as $1000 down and save $1000's

Thousands of people have acted as their own General Contractor, hired most of the

work done, and saved the builder's and realtor's overhead and profit.

By acting as their own General Contractor, and doing some of the actual work

themselves, in 2005 our builders earned an average of $44,267 of equity - thedifference between their cost to build and the appraised value. In 2004, the average

savings of over 200 homeowners was $42,510.

And many started with only $1000 cash and less than perfect credit. Homestead

Capital is in the business of making our customers a 12 month construction loan that

pays for your land, labor, materials and any other costs associated with building yournew home.

You are the project coordinator. You manage the work and earn the savings.

Homestead provides complete detailed plans and building instructions after you have

found your lot and decided on the right design for you and your family - and your

budget. Our construction assistants help you with lot selection, local subcontractor

lists, job cost estimating, and job site assistance. When the home is complete, we

arrange the permanent mortgage loan with our mortgage banker Lincoln Financial.

Imagine building a $240,000 home, saving $44,267, and only having a $195,733

mortgage with principal and interest payments of only $1174 per month.

"They made thefinancing easy andgave us the supportwe needed ... wehave over $60,000in equity in our newhome."

Scott & MaryAnn TrondsonMilan, Illinois

Todd & Shayna VodickaGretna, Nebraska

"We highlyrecommendthe Homestead

system toeveryone."

" ... our firsthome was so

financiallysuccessful, we're

-, on our second."

Dave & Kendra Larson

Denvel; Iowa

HOMESTEADCall or log onto our website now fora seminar schedule! Attend a seminar

and see for yourself.

Homes of America 1-888-200-4460 www.hhoa.net

Build Your Dream Homewith as little as $1000!

Borrow the rest of the costs from Homestead Capital and saveas much as $44,267* by being your own General Contractor.

Too good to be true - hundreds have done it.*Average 2005 customer equity - the difference between their loan amount and their appraised value.

IIIf

Build now - before interest rates go higher!See for yourself - Attend a Free Home Building Seminar.

In your area.

HOMESTEADHomes of America

Your Home Building Partner Since 1995

Call Today!1-888-200-4460

www.hhoa.net