People Want Info (logo)Seminar Series

“Building Wealth Through Homeownership and

Education”

Topics of Discussion

Is Homeownership for you? Owning vs. Renting. Importance of Pre-Approval Qualifying Factors: The Four “C’s” Why Hire a Realtor?

Is Home Ownership For You? BUY vs. RENT

SECURITY!! Build Wealth Through

Equity Growth Fixed Payment Tax Deductions Privacy

Your Landlord Loves You! You’re making him wealthy!

Increased Payments Zero Equity Growth

The Importance of Pre-Approval

Realistic Pursuit of Properties Strengthen Buying Power Understand the Difference Between What you “Qualify” for

vs. What you Really Can Afford. Understand the Loan Programs and How to Use Them

to Leverage your Purchase. Review your Credit for Accuracy Before hand Obtain a “Yes” or “When”

Answer to your Application

Why Hire a Realtor?The Importance of Finding an Agent Who Will Work for YOU and protect YOUR interests…

Your Time is Valuable Full understanding of laws and buyer rights Negotiations Expert in local real estate market Seller pays the Realtor, NOT YOU!

Qualifying Factors – Four “C’s”“Capacity, Credit, Capital and Collateral”

Income: “Capacity” to repay the debt, based on your earnings and employment history, expenses, number of dependents and other obligations you have.

Credit: History of how much you owe, how often you borrow, if you pay your bills on time and if your living within your means.

Assets: “Capital” or the amount of cash you have for a down payment and settlement costs, as well as cash reserves to deal with repair or replacement expenses that may arise after you’re in the home.

Property: “Collateral” to protect the lender’s investment if you can’t repay your loan. The home you buy must be worth enough to back up your loan.

Question and Answer

“What the Mind Can Conceive, the Mind Can Achieve”

www.PeopleWantInfo.com

www.CindeeStone.com

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