Haven

HOME OWNERSHIP WITH HEAVEN

Presented by Tervor Ottswww.betterlifebettercredit.com

Presentation

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HOME OWNERSHIPWITH HAVEN

The points are…

What is HAVEN?

Home Ownership Survey?

…

…

…

OUTLINE

Presented by Trevor Ottswww.havenrealtycenters.com

WHAT IS HAVEN?

HAVEN is…

The safest place in Real State.

More than a real state company.

WHAT IS HAVEN?

Is a Movement!.

HAVEN is a MOVEMENT…

To create Real State

Professionals that are

service driven, not

commission driven.

WHAT IS HAVEN?


To require Real State

Professionals to be

conscientious about

the welfare of the

costumer.

WHAT IS HAVEN?


To ensure that Real State

Professionals strive to

exceed the

expectations of your

customers.

WHAT IS HAVEN?

OUR MISSION is

To protect you during the real state transaction.

We help you achieve your dreams and realize

your goals and your highest aspirations.

WHAT IS HAVEN?

But… WHY ME?

Because we care about…

WHAT IS HAVEN?

COSTUMER COMMUNITY YOU

OUR MISSION is

to Help YOU!

WHAT IS HAVEN?

Who I am?...

Have 15 years of Experience,

Energetic,

Enthusiastic,

Dedicated.

Caring.

ABOUT ME


HOME OWNERSHIP SURVEY

Survey…

Thank you for answering the survey.

Now it is time to CONTINUE…

HOME OWNERSHIP


REALISTIC EXPECTATIONS

Fact…

Homebuyers who have a

realistic perspective on

the home purchasing experience

find homes at a FASTER rate

than those who DON’T.


From me to have a realistic perspective……

I MUST understand that…

WHAT IS REQUIRED


1. Some areas are more expensive than others…

WHAT IS REQUIRED


2. My finances play a GREAT factor in

what I CAN afford.

WHAT IS REQUIRED


3. This is NOT my last home.

WHAT IS REQUIRED

Am I The Type of Buyer that would prefer to get…

1. More property (Maybe a large

house with more bedrooms or more

space etc.) in a less popular

Neighborhood

STREAMLINING MY CHOICES


2. Less property (Maybe a smaller home,

less rooms or less space.

Perhaps a townhouse

instead of a single family

home etc.) in a more

popular neighborhood.



3- I’m willing to pay whatever premium that is required to have the size & type of

Home I Desire in the Areas I Prefer and I can

Afford it.


It is time to….

CHOOSE ONE!

BE REALISTIC

The Sequel.…

As an informed and

educated buyer, I must

bring my CHOICES in line

with my FINANCIAL

CAPABILITIES.


I….

Can make realistic

choices and bring them in

line with my financial

capabilities by Balancing

My Understanding of:


Of…

Different Areas Different Prices


1. Different Areas VS Different

Prices

Of…


1. Different Areas VS Different

Prices

Of…


2. What I want VS What I need

Of…


What I need?…

A CAR that…Is just for me (I am single)

Does not spent so much gasIs confortable

And safe.

Of…


3. What I Want VS What Can I

Afford?

I CAN Afford…A 10K – 13K

Less than 155” Length By Chevrolet…

Of…


So … Let me Introduce the car

you need and can afford.

Well…

This situation

happens with

houses too…


We are…

A Team and as a team our goal is to…

Get the MOST amount of house

for the LEAST amount of money

for the LOWEST monthly payments!



TEAM WORK makes the DREAM WORK

It is important to say that…

Where there is NO investment there

is No Appreciation


I should expect to invest…

My Time

Purchasing a home does not happen

overnight it requires giving up your time and

being inconvenienced.

WHAT DO I HAVE TO INVEST?


My Energy

Looking at homes is labor intensive. It usually

involves a lot of walking so wear comfortable

shoes.



My Emotions / Sanity

Purchasing a home can be an emotionally

draining experience.



My Money

There are fees associated with purchasing any

home. These fees are commonly referred to as a

Down Payment and/or Closing Cost. There is no

such thing as purchasing a home with no fees.


Well…

There is a possibility

of purchasing a

home with

REDUCED Fees.



HOW MUCH?

You should know….

There are two major costs

associated with home ownership are

closing costs and down payment.

HOW MUCH?

And these are…

Closing Costs

Down Payment

HOW MUCH?

Closing Costs…

Are the fees associated with

purchasing a home. Generally

they equal 5% to 6% of the

purchase price. It includes

everything from state and

county taxes to mortgagee

fees and appraisal costs.

HOW MUCH?

Think of Closing costs like this…

Closing cost usually average

about 6% of the sell price or

$6,000 for every $100,000 in

the sales price of the home.

Let’s see some examples…

HOW MUCH?

Examples…

HOW MUCH?

Example 1:

I decide to purchase a home for $120,000. My C.C. will be…

120,000X 0.06

7,2007,200 of Closing Costs

Examples…

HOW MUCH?

Example 2:

I decide to purchase a home for $200,000. My C.C. will be…

200,000X 0.06

12,00012,000 of Closing Costs

Down Payment…

Is the amount the client invests into the ownership of the home,

there by reducing the overall

loan amount. Down payment can

be anywhere from 0% to 20%

depending on the lenders

requirements and the clients desire.

HOW MUCH?

Think of Closing costs like this…

The average Down Payment

amount is 3% or $3,000 for

every $100,000 in the sales

price of the home.

Let’s see some examples…

HOW MUCH?

Examples…

HOW MUCH?

Example 1:

I decide to purchase a home for $120,000. the average amount that the client would need to invest is 3%. What is the Loan Ammount?

116,400 of loan amount

120,000X 0.03

3,600

120,000- 3,600

116,400

Examples…

HOW MUCH?

Example 2:

I decide to purchase a home for $200,000. the average amount that the client would need to invest is 3%. What is the Loan Ammount?

194,000of loan amount

200,000X 0.03

6,000

200,000- 6,000

194,000

It is important to know…

Closing

Costs

Down Payment

Total funds neede

d to purcha

se

HOW MUCH?

Think like this…

If Down Payment = 3%

And Closing Cost = 6%

The Total funds needed to

purchase is 9% of the

sales price of the home.

HOW MUCH?

Examples…

HOW MUCH?

Example 1:

For a $100,000 house. I need…

109,000 of total funds needed

100,000X 0.03

3,000

100,000X 0.06

6,000

3,000+ 6,000

9,000

Examples…

HOW MUCH?

Example 2:

For a $200,000 house. I need…

218,000 of total settlement

200,000X 0.09

18,000


HOMEBUYER ASSISTANCE PROGRAMS

Haven Realty Centers…

Offers 3 Homebuyer assistance programs to determine

which program is best for you.

It will be necessary to consider your credit score,

your income and your financial savings.

NO ONE WILL BE TURNED AWAY!

ASISTANCE PROGRAMS

They are…

Program #1: The buyer assistance program

Program #2: The rent to own program

Program #3: The credit intervention program

ASISTANCE PROGRAMS

ALWAYS FOLLOW YOUR

DREAMS.

Presented by Person Namewww.betterlifebettercredit.com

Date post:	01-Dec-2014
Category:	Economy & Finance
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Economy & Finance