Even if you have slightly less than perfect credit you can become a home owner with no money out of your pocket. The current real estate market has made it easier than ever to own your own home without putting any money down; not even closing costs!
Now more than ever sellers are anxious to do whatever it takes to sell their homes in a timely fashion, even going to such extremes as auctioning off their homes to the highest bidder. Most lenders will allow 3%-6% seller contribution towards you down payment and closing costs. As a buyer you can use this to your advantage by having a savvy realtor paired with the right loan specialist who can guide you through the process of getting a loan with no money down, and have all of your closing costs paid by the sellers.
Think about it this way; if the person trying to sell their home has had to reduce the price under appraised value to get it sold it stands to reason that they would be willing to pay all of your closing costs in order to sell their home. It's a win-win situation for both buyer and seller. They don't lose any more money than they would have by reducing the price of their home, and you don't have to come out of pocket with your hard earned money that could better be put to use elsewhere.
It’s a very simple process, and I specialize in helping people get into homes who otherwise couldn’t afford it. On average I can have your loan closed within 7 days after receiving your appraisal. The laws are designed to protect sellers, not buyers. I have a very skilled and knowledgeable team of realtors who I work with closely to ensure your contract is worded properly to maximize benefits to you.
I know the process of buying a home is a very stressful one, and I promise to keep you informed every step of the way. My goal is to make this a pleasant experience. My business and success is determined by how well I treat you, and all of my business is derived from client referrals.
Your happiness is my number one priority.
Shawna M. Branon
Executive Loan Specialist
602-292-1544 phone
480-222-6041 fax
shawnab@ushomemtg.net
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