YOU ARE ENTITLED TO HAVE YOUR AMERICAN DREAM TOO
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YOU ARE ENTITLED TO HAVE YOUR AMERICAN DREAM TOO |
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From childhood, we are conditioned to believe that owning a home is the epitome of the
American Dream. How often have you heard " Do not let the dream of owning a home pass you by"? Even the Government creates incentives to owning a home. By creating these incentives, the Government encourages folks to have their piece of the American Dream.Owning a home is an empowering feeling. In buying a house, the homeowner creates a sense of security, of personal pride, of putting down family roots, and of freedom to indulge his tastes and hobbies, to state a few pluses.
Whether you’ve made up your mind to stop paying rent or you are just thinking about buying your first house, this information could save you tens or hundreds of thousands of dollars. The product your are reading now isn’t one of the best sellers in the year 2002, but it could be the most important document you read in your life.
First let me introduce myself. I bought my first house without money (mine) in 1982. In the mid 1980's I bought about 18 apartment buildings with no downpayment of my own. This gave me the idea of writing a book addressed especially to the first time homebuyers using the same techniques.
Have you ever wished to have your own house where you can enjoy bringing up your family? If you have, then listen up because this may be the most important letter you will ever read.
If you are considering buying your first home you will love my program. In it you will learn:
 | The difference between owning and renting an apartment, and why not knowing the difference can cost you big time. |
| Find out why you don’t need lots of money or good credit to buy your first home. |
| You will be proud buying your first home when you implement my program realizing that you are doing what other first time homebuyers aren’t. |
| Learn how the IRS allows a married couple the deduction of $500,000.00 (single person $250,000) of the capital gain on the sale of their primary residence. |
| Find out how lenders look with different eyes at the money they lend that the first time home buyers use when they look at the money they borrow. |
| How to be a first time home buyer without getting burned by the seller. |
| Discover the financial benefits in home ownership versus renting. |
| To get or not to get a real estate attorney. That is the question. |
| Discover why the Real Estate experts insist that the major determinant of housing is location, location, and location. |
| Learn how a mortgage works and become knowledgeable to structure the mortgage that is best for you. |
| Little known contingency clauses could save you thousands of dollars, and lots of headaches. |
| Standard fixed-ratio mortgage versus adjustable mortgage. Which one is best for you and which one will cost you more in the end. |
| Imagine what the man or woman in your life will say when he/she sees how smart you are buying your first home without money. |
| If you apply these guidelines, imagine…you will be 99% ahead of every other first time home buyer by keeping in your pockets thousands of dollars, when other first time homebuyers are taking thousands of dollars out of their pockets. |
| Discover how, in the eyes of lenders, no credit is sometimes as worse as bad credit. |
| Learn how much money you can borrow before you submit the mortgage loan application. |
| The difference between primary and secondary lenders, and how to use this knowledge to your advantage. |
Buying a home offers you the opportunity of magnifying the purchasing power of your money through what is called
leverage. Normally, you buy a house with some up front money as a down payment, plus a long-term mortgage.Homeownership is an important aspect of financial stability. For many people in this country the home they own has been a big part of their retirement nest egg.
Common assumptions
: You, as a homebuyer, want to own the best possible house. The seller of the property you want to buy wants the highest price for his property. A property’s selling price is determined, under specific conditions, through the agreement of a buyer and a seller.Interest rates and real estate prices are inversely related
: as rates go up houses prices go down. With high interest, either the buyer pays more for the real property, or the seller’s price has to be reduced, or both buyer and seller must compromise. First-time buyers and, for that matter, all purchasers want the least expensive home in the most expensive neighborhood they can afford. Real estate cannot be sold for less than seller is willing to accept or the buyer is willing to pay. The longer the property is on the market the more likely the sale price will decline.YOU DON’T NEED A LOT OF MONEY
TO BUY YOUR FIRST HOUSE
As a matter of fact, in a minute I will show you how to buy your first house without money. You don’t have to be a genius to use my system. I am not a genius and I have actually bought many houses and rental properties without money.
| A look at a mortgage amortization schedule will open your eyes. Use this knowledge to save big money. |
| How to select the best creative financing techniques to buy your first house in the 21st Century. |
| Hundred of first time home buyers are now getting their first house without using any of their dollars. You will be able to do the same. |
| Do you want to be loved by your in-laws? Show them how smart you are buying your first home without money. |
| Imagine that you buy your first house without money. How much richer will you be? |
| Learn how to use the seller’s money so you can keep yours in the bank. |
| What every first time home buyer should know, but was never told. |
| To get or not to get a real estate attorney. That is the question. |
| Everything in life is negotiable, especially in real estate matters. |
| Hundreds of first time buyers are already getting benefits using my program; you could also do the same. |
| One of my contingency clauses could save you lots of headaches. |
| The difference between a mortgage and a promissory note, and why not knowing the difference could cost you big time. |
| Types of real estate loans: Government underwritten versus conventional mortgages: which one will be best for you. |
| Mortgage lenders: become knowledgeable on primary and secondary lenders, and use this knowledge to your advantage. |
| A look at a mortgage amortization schedule will open your eyes. Use this knowledge to save big money. |
| Beware of adjustable rate mortgage. They could save you a lot of money, but they could also break your financial backbone. |
| I have personally made hundreds of thousands of dollars using these techniques. I know what I am talking about. With them you too can save a bundle. |
A lot of people complain how difficult the process of buying of their family house is. Before you start thinking about it and becomes discouraged, read this page. It is different and yet special. This page is changing the rules. I am telling you what few people want to divulge.
You won’t have to invest thousands of dollars in research like I did to find out the hidden secrets of how to buy your first house with no money down. I have done it and you will be able to do it too. These secrets have been hidden long enough and, in my opinion, it’s about time that someone really shows you the precise steps you buy your first house without money (yours). You know what? Even the millionaires buy real estate (houses, apartment building, etc.) without any of their money.
TO USE OR NOT TO USE THE HELP OF
A REAL ESTATE AGENT
It is reasonable to state that most people don’t venture house hunting without the help of an agent. Unless you are very knowledgeable about the market in a given area, you might need the help of a real estate professional who can provide you a MLS computerized listing of houses for sale in that particular area. An experience real estate agent can get for you a list of comparable properties which have sold in the neighborhood that you want to buy your first house. Under normal conditions, these properties should have been sold no more than six months earlier, simply because the market could have changed in the last six months.
Everything in life is negotiable
. You, as a buyer, should be able to negotiate every clause that goes into the purchase contract. The better negotiator you are the better buyer you will be. And remember: "Every seller wants the highest possible price for his/her house and every buyer wants to pay the lowest possible price for the house he is buying".Rule #1
: Don’t do your negotiating with your mouth; do your negotiating in writing. No verbal commitment is enforceable or binding in real estate transactions.Rule #2:
The first person that mentions the price loses. Before you begin the negotiating process you should know as much as possible about the needs, plans and goals of the seller. Every bit of information about the seller’s needs might be extremely valuable and might help you.CONTINGENCIES
". I know what you are thinking know: What is the price?! The price of my first house secrets revealed in one payment of $47.00.A contingency is any condition that must be met before you purchase the property. In order to be enforceable all contingencies must be specified in writing in the Purchase and Sales Contract. You should not neglect this aspect, and you can include as many contingencies as you wish in the contract. These contingencies are really safety valves that will allow you to get out of the contract. They are commonly known as "subject to" clauses.
Listen carefully
Over the past years I read thousands of pages searching for everything related to buying real estate with no money down. Thought several years I participated in specialized seminars spending thousands of dollars in the process.
And now I created a product called "How to buy your first house in the 21st Century without money
O.K. Pay attention to this: Get my book. Read it TRY IT OUT. If you aren’t thrilled with the results anytime within the first 12 months, I’m going to give you your money back guarantee.
All I ask is that you try out my simple, easy formulas and then give it a shot. Just give it a fair effort. If you aren’t satisfied with your result, I don’t want your money. Just show me that you tried my formula as presented and I will give you your money back.
The only reason I can do it is because I’m supremely confident you’re going to fall in love with my down-to-earth system to buy your first house without money (yours).
P.S. You may charge it to your Credit Card and it will cost you about .25 a day, less than half of what you pay for a Coca Cola.