The Evaluation Results Used In Our Home-Buying-System Can Make You A Home Owner Today!The results you want are solutions to problems. So here's a... "Problems" News Flash with tremendous solutions and lots of benefits!
Around the United States, personal savings as a percentage of disposable personal income was a negative 1.2 percent in December, compared with a negative 1.0 percent in November 2006! Negative personal saving results reflect personal spending that exceeds disposable personal income. [The U.S. historical average is 8 to 10%. Source: www.bea.doc.gov]Those worsening results suggest it may be difficult if not impossible to buy a house with a "large or small down payment" if those funds are to come from personal savings. That could be a big PROBLEM! According to FICO, a credit score of 720 or above means you’re in great shape credit wise. The average score in the country is 678. FYI, Minneapolis, MN boasts the highest average credit score with 705. By comparison, Atlanta, GA has an average credit score of 667. A 678 national average means there are large numbers of people all over the country that can benefit from improved credit scores. When it comes to good mortgage interest rates and terms, low credit scores are a big PROBLEM! The median household income is $43,389 and the average household income is $44,473. For our purposes the average household income is about $44,000. What is remarkable is the median home price of $221,000! That means the median home price is about five times the average household income! Time changes things. I can remember when it was only twice the average household income. That is a big PROBLEM! Insider Tip: Even though this is a problem for buyers today, it is one of the strongest motivations for purchasing a home...appreciation in value over time! This is one of the fundamental building blocks of wealth in America. These PROBLEMS bring us directly to the results, solutions, and benefits created by our incredible Home-Buying-System! Our focus is on the creativity and flexibility of the Tenant/Buyer! These are the RESULTS, SOLUTIONS, and BENEFITS our system provides:First Control, Then Own The Home "Use what you've got to get what you want!" Incredibly, with our Home Buying System, you can actually move in and take legal control of the home for a specified period of time.....before you actually own it! Is that a benefit you can appreciate? Minimum Out Of Pocket CASH With a conventional home purchase you will pay "closing costs", which include a down payment and certain "pre-paid expenses". With our Home-Buying-System you will pay the first month's rent or lease amount and an "option deposit". This "option deposit" can be as little as 2 or 3% of the purchase price of the property. For best results, the bigger it is the better. Minimum cash for maximum control, another tremendous benefit. Option Consideration Is Credited Towards The Purchase Of Your Home! When you sign our Home-Buying-System Agreement you also give the property owner an "option deposit". This money is your initial investment into the home. When you exercise your option to purchase the property 100% of your deposit will be credited to your down payment, or it can be deducted from your purchase price. Another major benefit, you get credit for money you were going to spend anyway! Remember with a house, whether you are Buying or Selling? Find Out What its Worth! Get an unbiased, professional, inexpensive home value appraisal whether you are buying or selling a property. Just get the facts, with no influence by the appraiser, the Realtor, or the seller. The Sales Price Is Guaranteed Even though you may not exercise your purchase option for a year or more, the sales price of the home is determined and included in your lease document at the time it is signed. Use this handy tool to determine, How Much House Can You Afford? Your Rent or Lease Payment Contributes To Your Home Purchase In most cases a portion of your monthly payment can be credited towards your down payment. These credits are incentives to you for "on-time payments" and for taking good care of the property. It also results in a much faster equity build up. Incredibly Fast Equity Growth! Our Home-Buying-System creates more equity in your home in one year than traditional mortgage investments can generate in many years! This growth results from the application of the "option consideration" and your monthly "credits". You can very quickly increase your equity from 2 or 3% to 5% or more in the course of a year! Check out this article for more details. Today's Credit Is Not Today's Problem We have already determined that most people in America could use better credit scores. Unlike the conventional market place, qualifications for credit are approved by the property seller. You will still need to have your credit pulled, because it will establish a baseline for improvement on your interest rates and terms when you exercise your option to purchase the property. This is an excellent site to begin your credit improvement education. Check it out. My FICO Credit Education Move In Quickly You can be in your home in as little as a week! How does that compare to the conventional "hurry up and wait" scenario of one to three months after the offer was made! Predetermined Maintenance Responsibilities The property seller and the Tenant/Buyer monetary responsibilities are spelled out in the lease document. We encourage the use of (a secret strategy) to minimize the concern of system problems or appliance issues. The strategy is revealed when you become a Tenant/Buyer. No Long Mortgage Approvals Or Escrows The decision to accept you as a Tenant/Buyer is made by the property seller. There is no traditional lender involved to take a month or longer to give you a decision. No Taxes Yet When you exercise your purchase option and finance the property, you will be the official owner of the property. At that time you will also have the distinction as a property tax payer. Until then enjoy. Don't worry, when you become the official owner your escrow will collect the funds for you and pay them in most cases. Just be sure to take your tax deduction! Time Is An Asset Your status as a Tenant/Buyer will give you the time needed to increase your equity in the property before you even own it. You can also improve your credit scores with disciplined efforts. Everything about the house, neighborhood, schools, area, and quality of life issues, can be thoroughly explored to your satisfaction. Time to investigate the best financing available will also be wise. Time invested wisely is another benefit you will enjoy. Peace Of Mind As long as you abide by the contractual conditions you will have full control of the home. You can even make improvements to the property (with prior seller approval). If you choose to make improvements, that is one more way to increase the equity in your property before you actually own it! That is an advantage of knowing what the sales price is the day you sign the agreement. Improvements to and appreciation of the property are incredible benefits and expected results of this Home-Buying-System! We certainly hope you have great results during your transition from a Tenant to a Buyer. If you follow the game plan and your expectations are met you should have no problem financing your property. It should be reassuring to know that you have a "Plan B". Plan A is the typical "refinance" of the property with a conventional lender. With Plan "B" we will arrange "seller-financing" with, of course, the seller if you have problems with conventional lenders. One way or another you will get the financing you need to exercise your option to purchase your home! That's what makes us different from everyone else! We can help create the funding you need to close your deal! You have just seen and read our results, solutions, and benefits for 21st century home sale and acquisition problems. What do you think? Is this the most efficient and productive way you have ever seen or heard about to purchase a home? More importantly, can our benefit rich system help you achieve your goal of home ownership? If you think so, just complete our Buyer-Profile to start the process.
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