Owning a home is the biggest financial decisions that you will make in your lifetime.
You are committing to repay a large amount of your hard earned money over the next 30 years or more.
That is exactly why our Personalized Home Buyer Plan is so very important to everyone and especially you.
Since the average American is working with limited financial resources, it is extremely difficult for most of us to overcome financial mistakes and hardships. That's where we can help!
Our Comprehensive Personalized Analysis will help you to identify the strengths and
weaknesses in your financial life and help you develop ways to improve them.
How the Program Works
Improving and Rebuilding Credit Scores
We all must face the fact that having good credit is a fact of life. We will show you how to repair and rebuild your credit. Once you get started with our credit education and restoration program, you will begin seeing exciting results in the first 60 to 90 days. With your ongoing participation, you will continue to experience improved credit throughout the credit restoration process. The more you participate, the faster you can expect results. You can even track your progress online.
Developing a Financial Plan
It is never too early, or too late to begin developing financial knowledge, taking control of your finances, and putting yourself on the path to financial security. Being financially educated allows one to earn more, spend less and get the things you really want. We will show you how to develop a working financial plan.
Become Familiar with your Household Finances
Know how much money you have coming in, how much goes out and where it goes. Set a budget and create a plan to reach your personal financial goals. This will help you achieve your objectives. You can even track your progress online and stay up-to-date with news worthy information with monthly emails.
Set Financial Goals
Financial responsibility is easier when you are working towards a goal. These goals will inspire and encourage you to take the necessary steps to get what you want. By writing these goals down and sticking to a plan, you will be able to achieve the things that you desire to accomplish.
Develop a budget that you can stick with
Discuss finances openly and honestly, and stay involved. Once you know how much money you have coming in, going out, and where it goes, you can determine how much money it will require to reach your financial goals.
Learn the difference between good debt and bad debt
Not all debt is created equal. Avoid common money management mistakes. There should be more money coming in than there is going out. Oftentimes, simple things people do or do not do, throws that balance out of whack without them realizing it. We will teach the difference between good debt and bad debt.
Increasing your Income
One obstacle that you may be challenged with is having enough spendable cash to accomplish your goal of home ownership. We will help you discover multiple ways to create additional streams of income which will allow you better choices and more options for achieving your dream.
Guiding you through the Home Buying Process
Home buying knowledge before you start shopping is powerful. If it's your first time, you've got questions. You might be a little nervous that you'll mess up, and it's normal to feel that way. You are probably spending hundreds of thousands of dollars and making the most important financial purchase of your life. You will find that being an informed individual about the home buying process is empowering for you. Lucky for you that you came to the right place. So let's get started buying your first home! We will help you.
Determine if Buying a Home is For You
Many people harbor secret fears about buying a home, and some of those fears are justified. Not everybody is cut out to own a home, and if you're one of those people, it's better to find this out now than when you're under contract.
You might decide that renting is better for you than buying, because buying a home has its drawbacks. On the other side of the coin, there are many more benefits to buying like appreciation, tax breaks, leverage and the build up of equity. Keep those reasons in mind if you start to get cold feet.
Get Your Finances in Order
While working together with us along with properly structuring your financing, setting aside a down payment and exploring the loan programs available to you, we will assist you in finding the best mortgage options for financing your dream home. We will get you pre-approved before showing you any property because this will show the seller you are already cleared for a loan which gives you a strong edge during the offering process.
Pick a Real Estate Agent to Help With Buying a Home
With so much information available online, you might wonder why you need an agent at all. But all local markets vary from one another, and a good agent can guide you by giving you information based on experience and market knowledge. The right agent can help you to avoid making mistakes such as choosing the wrong home or offering too much.
Learn How to Avoid Home Buying Mistakes
The best way to avoid making a mistake is to learn from reliable and professional agents that are experienced in real estate. Also, it is wise to understand the Home Buying Process.
Get the Best Deal for your Money
There are many different strategies that can be used to buy homes for less, to negotiate better seller concessions that will save you money, reduce your taxes, and get the best home for your money. The end result of this process is that we are able to create a Unique Home Ownership Strategy that is designed around you and your needs, not the needs of Wall Street, Banks, Mortgage Lenders, Loan Originators, Real Estate Agents or even the Government.
How to Protect your Assets
A big part of this process is also putting together an Asset Protection Plan to make sure all your most valued assets, including your family, are protected to the best of your ability.
The Fundamentals of Real Estate Investing
Buying real estate is about more than just finding a place to call home. Investing in real estate has become increasingly popular over years and has become a lucrative investment vehicle for many individuals. Although the real estate market has plenty of opportunities for making big gains, buying and owning real estate is a lot more complicated than investing in stocks and bonds. Therefore, you will need a knowledgeable and professional real estate agent to show you how to get started and make a success of your investment endeavors.