Free Reports:

• Buy or Sell: What to do first.
• Making your move less stressful
• You can buy with zero down
• Your next Home: New or Resale
• Preparing Your Property
• Free Reports by Phone, below.

Now You Can Buy a Home For $500.00 to $1000.00 Down!

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Have You Wanted A Larger Home But Thought You Couldn't Afford It?

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How To Sell Your Home Quickly, For The Highest Possible Price!

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Buy or Sell: What to do first?

BEWARE OF THESE SITUATIONS:

• Make an offer to buy a new home, contingent on the sale of your old home – Most sellers will not accept this, because it entangles them in your uncertainty to sell the house. They want surety and clarity, so this may not be a good idea.
• Renting the house for too long: If you decide not to sell your house and simply rent it out instead, make sure that you don’t rent it for too long. According to federal tax law, you must live in a home as your principal residence for 2 out of the last 5 years of ownership to qualify for tax benefits from the sale. Please consult your tax advisor for tax related
  information.
• If you have agreed to vacate your home in 60 days, you will be in a weak negotiating position due to the tremendous pressure to agree to an inferior deal when purchasing your home after the sale. This situation will be further aggravated if the seller is aware of your constraints and decides to use this as a tactic to increase the price.

• Try to aim for a period longer than 60 days till closing. Negotiate for 90 or more days or see if the buyer will consider a short term rent for a month or two after closing. Try to offer a security deposit or rent that covers the new mortgage costs. During this temporary rentback phase, you want to make sure that the homeowners insurance company is covering the home and your possessions.

Take the right step at the right time. Call an informed agent who can make finding your
“dream home” a smooth and enjoyable experience.
"All information in this report is deemed reliable, but not guaranteed."

Making Your Move Less Stressful

Here are some tips selected from different sources to make your move easier.
Have you set the date of the move? If so, start preparing one step at a time.
Start planning a few weeks in advance to prevent a last minute rush.

SAMPLE NOTIFY CHECKLIST

• Remember to send your new address to:
• Family and friends
• Post office
• Department of Motor Vehicles
• IRS
• Library
• Utilities – Allow an overlap when switching utilities in case of a delay. Here is a list of utilities you won’t want to forget: electric, disposal, water,
  newspaper, magazine subscription, gas, telephone, DSL or Internet cable, and the TV cable company.
• Doctors and other medical professionals, dentists, your optometrist and
your vet.
• Bank, financial institutions and your employer.
• Organizations and associations where you are a member.
• Arrange a date and time with your moving company.
• Get an estimate for all your items and any special services that you may require.
• Make sure all the boxes are labeled and review the list before signing the bill.
• Take pictures of valuable items before the move just in case you need to provide a proof for damage claims later.
• If you are going to use professional packers, organize your belongings for your convenience when unpacking.
• If you are doing the packing yourself, make a list of the number of boxes and packing materials that you will need. Be sure to get them in advance of your move to prevent a last minute rush.
• Label the boxes clearly so that you will be able to readily identify them after the move. The label should include the room they will go to and the name that represents the type of contents in the box. Fox example, “Kitchen/Glass” or “Michael’s Room/toys.”
• Make a list of emergency phone numbers of those you may need to call if you need help. Inform them in advance that you may need their help. Add these numbers to your cell phone phonebook.
• Create a separate survival box for all the items you may need on “day one” of your move into the new home. Make sure that you carry this box with you and load it last, so that it is the first one you can unload.

Items to add to that box:
Medicines, First aid kit	Snacks	Light bulbs	Toothpaste
Sheets, Blankets and Pillows	Paper plates	Soap	Pots and Pans
Water	Cups & Spoons	Paper Towels	Milk
Slippers	Sugar, Cereal	Tape	Trash Bags
Scissors	Hammer	Milk, Coffee	Tape

• Avoid waste by using up items that may spoil: like frozen foods, milk, yogurt, or open canned items, which may be a hassle to move.
  
• Get rid of unnecessary belongings by having a garage sale or donating items.
  
• Set a place for all packing material so that it is easy to find. Do not let it get lost in the clutter in the house. Here are some of the things your packing area should contain:
  
  • Markers
  • Folded boxes
  • Tape
  • Binding rope
  • Labels
  • Scissors
  • Cutters
  • Bubble wrap
  • Dolly

YOUR FAMILY AND THE MOVE
Ensure that you have taken care of the following paperwork and processes:

• Create accounts or transfer funds from you bank account to the area in which
  you will now be residing.
  
• Gather copies of all your medical records, x-rays, prescriptions and other
  information that you may need.
  
• Inform your children’s school about the move and ask them to transfer school
  records and transcripts to the new school. If you do not know the name of the
  school, make a package of all the material you will need for the application and
  secure the documents well in advance to avoid unexpected delays.
  
• If you have pets, you may want to visit the vet and request health certificates for them.
  
• If you have young children, you may avoid the adverse effect of the move by
  ensuring that they have enough to do, so they dont complain that they miss their
  friends.
  
• Spend some time getting to know your neighbors and finding playmates for your children.
  
• Get your children’s rooms set up first to avoid temper tantrums and make them feel more comfortable. One way to keep them engaged while you unpack is to rent movies or hire a babysitter to spend time with them. If you have family close by, you may want to ask them to take care of your children while you move in.
• Your children may get hungry often with all the excitement and energy
  associated with the move. Make sure you have lots of water and healthy snacks
  for them.

"All information in this report is deemed reliable, but not guaranteed."

You can buy with Zero Down

What is Zero Down?
A zerodown payment or 100% financing allows qualified buyers to purchase a home with no cash upfront.

What may be a perfect fit for one person may not be a good idea for you?

• With a zero-down payment, you will end up paying a higher interest rate.
• The good part is that the interest payments are tax deductible, so this may be a good option if you are a first time homebuyer.
• Zero-down programs are perfect, if you have good credit and a steady income but have been unable to save money for a down payment.

Information from Mortgage News, Homebound Mortgage states that “zero-down loans will be capped at the FHA maximum of $ 160,000 in many smaller and moderate cost housing markets around the country, but will go to $ 90,000 in large, high-cost markets.”

Here are the keys to making these transactions work:

1. Find a seller who is willing to help pay the costs associated with any real estate transaction in exchange for a higher selling price.
   
2. Keep a checklist to guide you through the process, so you don’t miss anything vital in the excitement of buying a new home.
   
3. Benefit from the wealth of information on the web by shopping for a mortgage that has a zero-down payment program online.
   
4. Another resource is the housing department in your county. You can inquire about federally or locally insured financing programs that have zero-down options.
   
5. Do you belong to a credit union? Find out if you can receive special financing assistance as part of your benefits.
   
6. Get a pre-approval, so that you can decide what price range you can look in. Don’t confuse pre-qualification with pre-approval. Pre-qualification is a superficial and casual process. Pre-approval will impress your seller more than a prequalification.
   
7. Speak to your real estate agent about the information you need before you speak to a loan agent. Remember your agent is representing you, while the loan agent is looking out for the mortgage company or the bank’s interest. Your real estate agent can give you valuable tips on how to phrase your request, how to give just enough information, but not too much, and how to present yourself. Alternatively, the agent may want to be there with you.
   
8. When you call a loan company, try not to ask about individual rates; ask about different programs and packages that are offered. Often the package price offers a better deal. Discern if the company has a significant number of good programs that are structured for your needs.
9. When you call to inquire about a loan program, here is the list of information you may want to provide:
   • Your qualifications
   • Your income
   • Your debts
   • Your credit rating

Here are some of the questions you may want to pen down before you
analyze your financing options:

• Your employment history
• Your credit history
• Your savings
  
• Are you prepared for larger monthly mortgage payments or do you need to plan to make a substantial down payment?
• If you have been turned down for a mortgage in the past, what are the
  reasons and what can you do to improve your chances for approval in the future?

"All information in this report is deemed reliable, but not guaranteed."

Your Home – New or Resale

Are you finding it difficult to decide whether you should purchase a new or resale home? Use the checklist below for an initial take on what may be the right choice.

Here are some of the benefits of each type before you are ready to make your decision:

RESALE HOME:

• If you like developed landscaping and lush natural surroundings and don’t want to have to have to establish it, a resale home may be the right choice for you.
  
• If you want to know the character and history of the potential neighborhood and want to associate yourself with its identity, then you may want to choose a resale home in a location that allows you to do that.
  
• If you want to know your potential neighbors before you move in and not expect surprises like a shopping mall or restaurant next to your new home.

NEW HOME:

• If you like the experience of a fresh start, and enjoy fostering relationships with other new home builders, a new home may be the right choice for you. Families, who buy a new home in a particular area, are at a common level, facing similar challenges and life-changing situations, which draw them together into a community.
  
• If you are concerned about the electricity consumption and want a more energyefficient home, you may want to choose a new home because of the technological improvements to heating and cooling systems, insulation, construction technology etc.
  
  The U.S. Census Bureau's 1991 American Housing Survey suggests that operating costs per house are lowest for brand-new homes, slightly higher for relatively new existing homes but lower on average for older existing homes. Measured per square foot of living space, however, operating costs are consistently higher for progressively older existing homes.

Things to consider if you are buying a new home:

• Make sure to find out about the number of phases planned in the new
  development and when they are scheduled to be completed.
  
• Try not to be the first family on the block, so that you can take advantage of the improvements in the initial stages that previous owners have pointed out.
  
• The sale price of a new home will continue to increase the more it is on the market as opposed to a resale home, which will fall with the length of its stay on the market.
  
• Buyers who are experienced in the resale market may negotiate for a price that is lower than the asking price, however this is not true for new homebuilders who will not negotiate their price.
  
• With regard to agents, the resale agents generally know a lot about the
  community, but not much about the homes that you visit. The new homes sales community will know a lot about the surrounding area, the local community and also the product that they are selling.
  
• Ask the developer about future access to public transport, shopping centers, churches, schools and libraries.
  
• Review the local zoning ordinances because a remote area can be converted into a fast-food chain. Even if the neighborhood is not strictly residential, make sure it is not out of control.
  

PREPARING YOUR PROPERTY

"All information in this report is deemed reliable, but not guaranteed."