62% of Buyers Are Wrong

Are you in that 62%? Hopefully not - but today's mission is to change the world and the perception on down payments.

If you know someone who is hesitating buying their first home please share this message. Very simply - you do NOT need 20% down to buy a home!

There are all kinds of opportunities out there and the best way to begin is call a licensed real estate agent who can explain the home buying process, introduce you to some mortgage professionals and get you in your new home. You even have time to get you into your home home before the end of this year!

OK - start by having a look at today's article "62% of Buyers Are Wrong" - and then reach out to me and let's get it done!

Beware of Scammers

Don't let the bad guys get your downpayment. Let the Title Company and your Agent help guide you along the way.

The Rental Trap!

Don’t Get Caught in The Rental Trap!

On average, nationwide, owning is 26.3% LESS than renting in 100 of the major US metro areas. You read that correctly - ownership is less than renting. Remember, real estate is local. The difference between renting and owning in your metro area may be more or less. The differences recorded vary from 2% less in Honolulu to 48.9% less in Detroit.

For the newbies who have joined us - another way to look at this is you can make 360 rent payments and another will be due next month and the following months - or, you can make a mortgage payment 360 times and own your home. It is money in the bank!

Housing Is Still Affordable

On this one, I am going to point you to today's report. Get the details there by clicking on the link above.

You Do Not Need 15-20% Down to Buy a Home

Some myths just will not go away. The fact is, you can buy a home with good credit and very little down. Exploring the option cost you nothing but a little time. We are here to help.

The First Step in Buying a Home

If you are thinking of making your first home purchase, the first thing to do is get pre-approved. You will know not only IF you qualify, but how much you qualify for. If for some reason you do not qualify at the present time, you can find out what you must do to change that. It is not as difficult as a lot of folks think.

Once you are pre-approved, you know the price range to shop in (or under) and any offer that you decide to make has credibility. The seller will have a greater level of confidence in your ability to complete the purchase. If you have any questions about this, call and let's talk through it. Once upon a time, I bought my first house!

Down Payment Holding You Back?

Save for a Down Payment Faster Than You Think!

All good things are worth saving for! It becomes a matter of determination and sacrifice. It is not really that much of a hardship to make some sacrifices knowing what is waiting for you at the other end. I suppose we could say that about many things in life’s journey.

Back to getting your own home – skipping some unnecessary expenditures or reducing the amount of money spent can make a huge difference. Perhaps begin with a first look at total income. Then make a budget and set a goal. Maybe consider an extra part time job or overtime hours. Small amounts of money can quickly add up!

Another way to go – and we have written about this previously – if you are a couple, some skip the big expensive wedding (and that can get you a huge jump-start). Others go for a lower profile wedding. Alternatively, they might skip the honeymoon for the time being and do that later (exactly what one of my cousins did – and they “married” again (retook their vows) and then went on a honeymoon).

You need how much? Explore the options! Talk with professionals. You may not need as much money down as you think. The sooner you buy and become an owner, the sooner your life changes!

Use Your Refund to Jump Start Your Down Payment Savings!

Another way to get a jump on the down payment for your own home is to not spend that income tax refund. Forget the onetime splurge. Add the refund to your down payment fund and get that much closer to owning your own home!

Begin to increase your wealth – with a home of your own.

Are you one of 69% in San Antonio

69% of Buyers are Wrong About Down Payment Needs! Imagine all the folks out there paying rent because of information that is outdated. We really need to work hard to get the message out there. Buying a home of your own does NOT require a down payment of 20%. As a matter of fact, the required down payment is nowhere near that amount. It is not just real estate agents that need to get this message out there. If you have family paying rent - or know some friends or co-workers who are paying rent, why not let them know that maybe they can join the ranks of homeowners in the USA. It is the American Dream. It is the road to increased wealth. It is the way to enjoy a better standard of living. Why not do what you can to make that happen for someone? For more, have a look at today's article

Saving for a Down Payment

How Fast Can You Save for a Down Payment? There is a danger here. It can take years to save up for a down payment and during that time prices will likely being up as will the cost of the place you are renting and everything else in modern day life. So, the best plan to counter this and move on (and in to) home ownership is to go with a lesser down payment and take advantage of any special first time buyer programs out there. If you have military entitlement as so many do in our town, that is a tremendous advantage and you can act on it now. It is time to live the American Dream folks - don't let anything get in the way of trying. Read through the posts on this blog - there are compelling reasons to go for it. If you know someone who is not yeat a homeonwer, please share this post and this blog with them. Help out a family member or a friend. For more information have a look at today's article

It isn't so!

Again… You Do Not Need 20% Down to Buy NOW! It is scary that close to half the population believe you need 20% down to buy a home. That is a great many folks missing an opportunity of a lifetime. It makes me want to shout out the message everywhere and get folks into finding the path to home ownership. maybe we can start a national challenge - tell at least one co-worker who is not a homeowner how they can get started. The bottom line - as with many things in life - if you don't go for it, you will just never know. And the follow up to that - is if you get turned down once you do not need to accept that as the final decision. Work with a real estate professional and a mortgage professional to have the best chance of making it to your first home! More in today's article

Biting the bullet

and getting that down payment together can happen fast than you think. Check it out

Did you know

you are paying a mortgage? Not yours

Supply and Demand

They matter. Ready to move up now

What If - is a big question

Sometimes the answer is clear. Read more

Being late is being not cool

Seriously folks - now may never happen again! The numbers are good - here are some thoughts on buying a home and going for it now

Do you have a strategy in place

Some call it goals - other a plan - either or strategy to get you where you want to be. Here are some thoughts on that

Boomerang time

It is time for a rebound and the size of it can have a major affect on the housing market. Read more about the expected retrun

Next Year? (it has arrived already - have you?)

It is an old decision made millions and millions of times. Better to buy now or wait? Sometimes waiting for the "right time" means it never happens. Right now rates are good and prices are good. They will likely go up - as will rent. No escape from that. So the question becomes - better to pay your own mortgage - or your landlords. Better to have an investment for you - or your landlord. The choice is yours. We are here to help you with your own investment. Check this out

You may have the best landlord in the world

And the landlord may love you. But down the road - where do you see your money bringing a return? Rent receipts are not collector's items. Well, if you are famous maybe - but for the majority they are simply a reminder that rent is do again next month. And up it goes

Time for your first

OK - first time for everybody - right? Have no fear. You will be glad you made the jump. Take the leap with a professional guiding you along the way. It's what we do and we will show you how to get there

Don't know if you don't try - you know!

Many folks guesstimate what is need to buy a house - most get it wrong. You may be presently surprised at the options. We would like to help you. You can read more about the rules now

Don't know if you don't try - you know!

Many folks guesstimate what is need to buy a house - most get it wrong. You may be presently surprised at the options. We would like to help you. You can read more about the rules now

It's about the American Dream

Will 2016 be your year to live it? We can help - but check this out first