Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend!
 

When you are truly ready to buy a home, you need to find the best mortgage lender and real estate agent for the type of home that you are buying. There are a few things that I am going to tell you here that you will never hear from other real estate agents and mortgage lenders. 

Did you know: 

· The real estate and mortgage industries have a very high turnover rate, which means that? 

· Many of the real estate and loan agents out there haven't been in business very long. 

· And many agents and lenders do very few loan transactions every year. (For comparison, would you want to get your car fixed by a mechanic who only works on cars once in awhile? Of course not, but working with an inexperienced loan agent or mortgage company is just as risky FINANCIALLY.) 

· There are over a hundred different types of mortgages available (That's right, a hundred!), but many banks and mortgage companies only know about or use a few of them. 

· Many mortgage companies and banks use planned sales pitches and teaser rates to get you to meet with them and make loan application. Only later do you find out that the rates that you saw in the paper aren't available anymore. 

· Many lenders are not aware of all of the new types of loans and financing programs that are available, or even worse, they are just plain too lazy to do the research to find these programs. 

· Even more unfortunate, many real estate and mortgage professionals don't even know about these great programs because they are either too new or don't do many loans and simply, just don?t have the experience to know. 

· Most real estate agents are Part Timers - they have another job and only do real estate as a hobby, but they will never tell you this. 

NOW THERE IS A WAY FOR YOU TO SOLVE ALL OF THESE PROBLEMS AND FIND THE BEST POSSIBLE MORTGAGE FOR YOUR NEEDS. 

My name is Guy Morgan. 

I work with Real Estate Insight here in Vista. 

I have a service that can get you a FREE PROFESSIONAL CREDIT ANALYSIS, a FREE COMPUTER LIST of all of the homes for sale in your area and price range, and a FREE MORTGAGE PRE-APPROVAL in writing if you are qualified. Below are a few sample questions that will need to be answered to get your loan approved. 

Many inexperienced homebuyers find a mortgage lender by looking for advertisements that say "We have the lowest rates." Unfortunately for these buyers, the lowest rate doesn't mean "Lowest cost." 

These buyers are very disappointed later when they find out that they all of the extra costs that they had to pay to get that low rate made it a bad choice. 

· When you use this free service, you will be PRE-APPROVED FOR A MORTGAGE FOR FREE before you even start looking at homes. 

· You will be able to make a CONFIDENT offer to buy and have your offer backed UP BY A LETTER FROM YOUR LENDER THAT SAYS YOU ARE QUALIFIED. 

· Often, first time or even second time home buyers look for a home by looking in the paper and looking through homes magazines. 

· The information in these ads is usually at least a week old, and sometimes up to a month and a half old! 

· These buyers get very frustrated hearing the same pitch over and over of "That home sold, but we have some others... What's your name and phone number??" 

· When you use our service, we will give you a list of homes from the computer that is updated CONSTANTLY. 

· You will know that the homes that you are looking at are available to buy, and not waste any of your time looking at pictures of homes in magazines that were sold a month ago. 

· Another expensive mistake buyers make every day is choosing the wrong agent for the wrong reasons. 

· Most real estate agents only work part time in real estate. 

· These Part-timers don't stand a chance when they go up against experienced agents who are skilled negotiators. 

· Many times, choosing an agent this way can wind up costing thousands of dollars that an experienced agent could have saved. 

· When you work with us, we will show you how we can represent and negotiate for you, and in most cases still be paid by the home seller, so it costs you nothing extra. 

· One of the most embarrassing and disappointing mistakes that many inexperienced buyers make is not getting approved for a mortgage before they go looking for a home. 

· Only after making an offer on a home spending time and money do they find out that they will have to get a much more expensive mortgage, one that has a higher interest rate. Or even worse--that they can?t qualify for the mortgage that they need at all. 

· When you use our service, you will get a free credit report and a professional credit analysis, plus a free loan pre-approval IN WRITING. 

· This will make you almost like a Cash buyer. 

Any offer you make to buy a home will be stronger with your pre-approval, and you will feel much more confident making an offer. 

AS PART OF THIS SERVICE YOU WILL RECEIVE A FREE ONE HOUR CONSULTATION WITH A QUALIFIED MORTGAGE LENDER WHO WILL HELP YOU IN THREE WAYS: 

· First, you will be "pre-qualified" over the phone. You will be asked a few easy questions to determine the next step for you to take. If you qualify and everything looks good... 

· Second, you will receive a free confidential credit analysis. (You will need to buy an in-depth credit report when you buy a home or get approved for a mortgage. This usually costs between $60 and $75.) 

· And third, if your credit report and other information qualify you, you will receive a free mortgage pre-approval in writing, which will make you almost like a cash buyer when you are looking for a home. 

You will receive these three services for FREE by using this service. 

NEXT YOU WILL MEET WITH A QUALIFIED REAL ESTATE AGENT... 

Next, you will meet with one of our qualified area real estate agents who will do four things for you (free of charge, and with no obligation, of course): 

· First, they will show you how they can represent YOU as a Buyer's Agent - this assures you that your agent is working and negotiating for YOU, not the seller. (Even though in most cases your agent will still be paid by the seller, not by you!) 

· Second, your agent will print out a list of homes for sale in your area and price range for you to drive by and look at (or a list of lots if you want to build). 

· Third, they will set up appointments and show you homes until you find just the right home for your needs, then negotiate on your behalf to get you the best price. 

· Fourth, if you have a home to sell, they will give you a list of all of the homes that have sold in your area, plus a free analysis of your home in the current market. 

Finding the right agent to represent you can mean the difference between getting a great deal on a home and getting the short end of the stick. If you would like to take advantage of this FREE service, please call my office at 941-4000 to set up your FREE appointment. 

The service is free, and you have nothing to lose, so call now. 

Call me at 941-4000 to schedule your free buyer consultation, or fill out the email form below. There is no obligation, and the service is 100% free to you.