Welcome

#1 First Read

The Methods and information you find here have evolved through my thirty plus years of coaching and representing people purchasing their homes. I also taught these unique Methods to over 25,000 people who attend my Seminars For First Time Home Buyers. Now its all here for you on this site to visit at your convenience.

#2 Realistic Perspective

We all agree that house and home is one of the most important aspects of our lives and one of the most important investments in most American’s lives. For most of us the first home also serves as leverage to our dream home as our income and lives mature but can also become a money trap if we buy the wrong home. So I think it is important that anyone buying or selling real estate have a realistic perspective of the real estate and lending businesses.

#3 Who Writes These Articles

I was in real estate for fifteen years before I would admit I was a real estate broker. I held the idea that people were put off by the aggressive behavior that so many real estate agents thought was necessary sales maneuvers and, that very few people trusted real estate people. Looking back I’m not quite sure why I stayed in the business.

#4 How to Finance Your Home

I have met many people in my thirty plus years of real estate that gather misinformation and consequently convince themselves that they cant own a home for a long time and so give up. Most of them are moving into their new home soon after they gather what I call ‘useful’ information. And those who must wait implement a precise plan, then walk down the path they have planned and sooner than later own their home. ‘Useful’ information is the key.

#5 Your Credit and Financing Your Home

The first questions most people have are; Is my credit good enough, How much money will I need, Can I qualify and What can I buy? The experts will recommend you check your credit first. What good is there in checking your credit unless you are an experienced credit expert? For home loans every borrowers situation is unique and requirements vary with loan type. You can’t be expected to know what is adequate. Best to not allow the “credit experts” and elaborate web sites to complicate credit. Notice they all have a product to sell you .Through the years I have talked with many many people who would like to own a home but think it’s not possible because their credit is not adequate.

#6 Zero Down Loans, Grants & Assistance for First Time Home Buyers

Everyone wants you to own a home. States and some cities offer assistance. Also the USDA loans are no money down, the VA for veterans is no money down and FHA is only 3.5% down. And some states offer loans to pay the FHA 3.5% down payment requirement so, no money down.Yes! There is assistance and a lot of it. The problem is that many people that could use the assistance don’t know that it exists or only find part of what’s available.