The Nehemiah down payment assistance program is a non-profit organization that has helped thousands of families, without the upfront cash to buy a home, make their home ownership dreams come true by gifting down payment and closing costs.

According to Nehemia’s website, the Department of Housing and Urban Development said that such down-payment systems will no longer be allowed after October 1st, 2008.

You can help keep this program alive for yourself and others by clicking this link. You’ll find a simple form where you can share your story on how Nehemiah has helped you (or would help others). The letter is then delivered to key members of the legislature and to the housing department.

PMZ Insurance Services has aligned with MassMutual Financial Group in order to bring our clients and agents flexible programs that offer a variety of financial products, services and analysis to meet your particular needs. Whether youa re just beginning to design a plan or already have some strategies in place, this alliance can help you accomplish the following financial goals:

• Protect family needs through insurance planning
• Plan for the preservation of your estate
• Maximize business potential through proper business planning
• Plan for a comfortable retirement

With products including investment, business, insurance, retirement and estate planning, you can be confident that a PMZ Insurance Professional can help you meet your financial needs.

For more information on these and other services, contact us at (209) 338-0385 or visit our website at www.pmzinsurance.com