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Loan To Value (LTV)
For Buying a Home

Buying a home is a major investment. I have the tools to help you make a wise investment.

Congratulations! You have made the decision to purchase a home, be it your first home or a new home. While this may be a daunting task for many individuals, with the right knowledge you will not make the mistakes that many home buyers make. Even if you have already purchased a home, you can still benefit from these newsletters, and perhaps not make the same mistakes over.

My goal is to educate you in all aspects of purchasing a home so you can make the best decision on your purchase. To do this, over the next month and a half, you will be receiving an email from me every three days or so. In each article I send you, I will be covering a new topic related to buying a home. I hope that you stay on my list during this time. I will never give your email address to anyone else, as I respect your privacy.

The first thing I would like to do is to send you a free guide titled "The Complete Guide to Buying a Home". This is a 78 page PDF book that will help educate you on the various aspects of buying a home. Here are the main topics that are covered:

  • Homeownership: Are You ready?
  • Hurdles to Becoming a Homeowner
  • Understanding Credit
  • Finding the Home that is Right for Your Family
  • Financing Your Home
  • Federal Laws Protecting Consumers

This guide will help educate you on the various aspects of buying a home.

First Time Home Buyer Seminar on CD

I also have a 48 slide PowerPoint presentation that I want to give you that will help you understand the process of buying a home. The 48 slides cover the following topics on the next column. Even if you are not a first time home buyer, you may find some interesting topics in this presentation.

Here is what is covered in the presentation :

  • Why Buy A Home?
  • Renting Vs. Buying A Home
  • How to Afford the Higher Payment
  • Withholding Example
  • Are You Ready To Buy?
  • How Much Home Can You Afford?
  • Why be Pre-Approved?
  • Types of Loan Approvals
  • Full Doc Approval Documents
  • Stated Income Guidelines
  • Types of Loan Programs
  • Which Mortgage is Right For You?
  • Fixed Rate Mortgage
  • Adjustable Rate Mortgage
  • Option ARM
  • 2/1 Rate Buy down
  • Bi-Weekly Mortgage
  • 15 Factors that Affect Your Interest Rate
  • 100% Financing & PMI
  • Creative Financing
  • Credit Scoring Overview
  • The Three Credit Bureaus
  • Components of a Credit Score
  • How Your Score is Used
  • Getting A Mortgage With No Credit
  • How To Establish Credit
  • How to Improve Your Credit Score
  • Credit Repair Services
  • Working With Your Realtor
  • Your Realtor as a Buyer's Agent
  • Where Do You Want to Live?
  • House Considerations
  • Home Evaluation Process
  • Determining How Much to Offer
  • Making an Offer to Purchase
  • When the Offer is Accepted
  • Inspections and Tests You Need
  • Home Inspection Benefits
  • Home Warranty Programs
  • Property Appraisal
  • Understanding Closing Costs
  • Settlement Day

I would like to give you a copy of this presentation. It comes complete with a free PowerPoint viewer. Just call my office and I can send this out to you, or you can stop over and pick up your copy.

If you have any questions about buying a home, or are ready to get yourself pre-qualified, be sure to call me at the number listed below. Over the next 45 days, you will be receiving 152 emails from me, each one about 3 days apart. In each email, I will discuss a particular aspect of buying a home

Here are the topics I will cover :

  • 10 Reasons to Buy a Home
  • How do You Come Up With A Down Payment for A Home?
  • How to Negotiate the Best Price on Your Home
  • Understand Your Rights as a Consumer When Buying a Home
  • Finding a Community You Will Like
  • Do You Understand Negative Amortization Mortgages?
  • Ways to Improve Your Credit Score
  • How Your Credit Score Affects Your Mortgage
  • 15 Factors that Influence Your Mortgage Interest Rates
  • What Does the APR on Your Mortgage Mean?
  • Understand Your Closing Costs
  • Appraisals, Inspections & Tests You Need
  • What NOT to do Before Buying a Home
  • How to Buy a Home With Resale Value
  • What to Look for in a Home

I hope that you find these articles worthwhile. If you know of anyone else who is looking to buy a home, please have them contact me so I can get them this same information.