Forget the $8000 tax credit - HELP ALL HOMEOWNERS with a 2% Interest Rate for All.
During a meeting last Friday out of 10 people that were there, only 2 thought the economy was getting better! YES, THERE WERE PART OF THE OBAMA FAN CLUB! When others made comments, their answer was "you cannot fix 8 years of Bush in 9 months"! This back and forth blaming the Bush administration will not fix anything!
As a REALTOR and Mortgage Broker, It's hard to work with Sellers that are losing their homes, their jobs, their retirement funds and more! IT'S SAD and IT'S TIME EVERYONE GETS HELP. The $8000 tax credit for 1st time buyers should expire. If banks can borrow money at 2% then the Homeowner should be able to as well.
It's time to stop bailing out the banks, letting them rip off the consumer again and again!
Send a letter to your local Congressman and Senator and let's get back on track!
The 9 Steps to Home Ownership
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Step - 1 Make the Decision to Buy |
| It seems obvious, but it's good to note that the first step to buying a house is making the decision to buy. Consider the reasons you want a new house and write them down. Determine how long you want to live in the new house - does buying still make good financial sense? Can you afford a house that will meet your list of requirements? A good rule of thumb is your mortgage payment should not exceed 40% of your Gross Monthly Income. For a Free Good Faith Estimate - visit www.LowestFloridaRates.com |
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Step 2 - Seek Professional Guidance |
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I am here to help you find a great deal that meets your needs and budget. Feel free to email or call me with any questions, 7 days a week from 7am to 7pm. (www.SKIPtheBULL.com/FreeHomeSearch)
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Step 3 - Begin the Hunt |
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You can start your search at www.SKIPtheBULL.com/FreeHomeSearch If you need help getting started, feel free to contact me anytime! I can also setup a search that will email you homes as they come on the market. When you are ready, I'll schedule appointments to tour the houses at times convenient to you. As we tour houses, I'll point out positive features and negative features. I'll ask you to tell me what you like and what you don't like. You'll probably amend your "wish list" as we tour houses, some things will become more important and others less important. With this new information, I'll refine our search criteria to narrow in on the house of your dreams. (www.SKIPtheBULL.com/FreeHomeSearch) |
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Step 4 - Know the Market |
| My knowledge of the local market is an essential factor in the house search. I'll let you know when the market in a particular neighborhood is "hot" and requires immediate action or when the market is "cool" and allows for thoughtful consideration.
As we tour houses, I'll let you know when the asking price has negotiating room and when the house is "priced to sell". My unique market knowledge will keep you a step ahead of the "house hunting competition". In a "seller's market". It is not unusual to see multiple offers on a property, full-price offers and even above-price offers. On the flip side, during a "buyer's market" there are more houses for sale than buyers. This gives us more negotiating room as houses are taking longer to sell. (www.SKIPtheBULL.com/FreeHomeSearch) |
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Step 5 - Find Your Dream House |
| I'm confident we'll find your dream house. When we do, I'll put together the purchase offer tailored for your needs including appropriate contingencies (such as obtaining financing, favorable home inspection, clear title, etc.).
The offer is normally presented with "earnest money" and usually $1000.00. This is a cash deposit (made by check) to secure an offer to buy the property. The amount is applied to closing costs. If the seller accepts the offer, generally closing is held 30 to 45 days from the offer date (generally dependent on the turn around time of your mortgage financing). Again you can apply for a Florida mortgage at www.LowestFloridaRates.com (www.SKIPtheBULL.com/FreeHomeSearch) |
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Step 6 - Negotiate the Deal |
| It is not uncommon to receive a counter offer when the initial purchase offer is submitted. Don't let this discourage you. We will discuss the counter offer and decide whether or not to accept the counter offer, submit our own counter offer, or reject the counter offer and move on.
Market conditions will play a role in how aggressively we negotiate the deal. We will also work within your limits. Emotions can lead to buyer's remorse. It is better to set limits prior to negotiating an offer and stick to these limits. |
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Step 7 - Get a Loan |
| During the closing period, you will be working with your mortgage lender to close the loan. Since you pre-qualified for the loan before starting your home search, you will be that much closer to the end. I'll gather the necessary property information your lender will need to close the loan. |
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Step 8 - Close the Deal |
| You will receive a "Good Faith Estimate" of closing costs at the time the loan application is submitted to the lender. The estimate is based on the loan officer's past experience and may not include all the closing costs. I will be glad to review the "Good Faith Estimate," answering questions and highlighting missing costs and estimates I believe to be low. |
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Step 9 - Move In |
| Congratulations! It's time to move into your new house and make it your home. Enjoy this exciting time. I'll give you a checklist to help you remember the numerous details that will make your moving day a pleasure. www.SKIPtheBULL.com |
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