Is This You?                                                                     

Discussion with a potential 'First-Time-Home-Buyer':

·  Are you actually renting or owning? I am renting !                                      

·  ... but it is my dream to own a home. We will show you how to own a home. How much is your monthly rent?

·  Actually around $1,150.00. Our experience is that most people who pay a monthly rent of $1,150,00 or more can afford their own home.

·  I have family, it is financially too hard for me to buy a home. We will tell you about the importance for your family to own a home.

· There are a lot of issues which have prevented me from owning a house. We will educate you to get over the hurdles to own instead of renting.

· If we can show you how to move into your own house within 3 to 12 months, would you be interested? We will pave your way to be an owner.

· I think the services of a Realtor are too expensive. Did you know that  Realtor fees are generally paid by the seller.

· I do not know where to start! We will show you the way and give you the schedule to buy your own home.

· I think I have not enough money for down-payment. A down-payment for a home is always favorable, but did you know that we are able to find financing up to 95% and sometimes even up to 100% for you?

· My credit is too bad, nobody will give me credit. We will show you how to build up equity and with it credit worthiness and your credit score; owing builds up equity, renting does not.

· My credit score is too low. We will analyze your credit reports together with you and we will eliminate errors, correct false entries, and take action to increase your score sometimes within days and weeks.

· We had to file bankruptcy a couple of years ago. If you are discharged from bankruptcy for more than 2 years we are able to help.

· I do not know how to get a credit. Our experts are working together with over 50 different lenders all over the country with hundreds of different loan programs, we will make sure to find the right mortgage for you.

· Interest is actually too high. To be correct, we are actually still in a decade's deep interest range and please also consider that interest is tax deductible which increases your income, rent is definitely not.

· I cannot afford to buy a home. We will sit together and prepare a strategy and personal financial plan for you and your family to buy your home.

· My monthly payments are too high to pay for an additional mortgage. We will try to find solutions to decrease your monthly payments, and instead of paying rent in combination with other possible savings your monthly payments may not be much higher than now.

· There are too many costs involved when buying a home. Certainly, there are expenses like closing costs, taxes, fees, insurance premiums etc. involved, but we will show you exactly what kind of expenses are coming up and how to minimize them.

· It is too risky to buy a home. Well yes, everything you do can be risky, but owning a home gives you and your family much more security in the long term and of course, some risks can be eliminated with insurances.

· This is not a good time to buy a home! The opposite is really true, we are actually in a buyers market with a lot of inventory to choose from and sometimes prices go down or sellers make big concessions. 

· Those mortgage payments will only end when I retire. Yes, but particularly after being retired you will be very happy to live in your own debt-free home.

· The responsibility to own is too high. Isn’t it your highest responsibility to provide your family with your own ‘cozy nest’, where you are in control of your environment?