Special Insider’s Report Reveals…

How to Stop Making Your Landlord Rich

And Own Your Own Home Instead!

Warning:  The information in this report is

Hazardous to your landlord’s financial health.

Dear Up-And-Coming Homeowner:

As you can see, I have attached a nice, crisp $1.00 bill to the top of this report. Am I crazy?  Perhaps.  But, actually, I’ve done this for two reasons:

1.                  I have something very important to share with you, and I needed some way to ensure this letter would catch your attention.

2.                  And since what I am writing above involves money – your money in

particular – a dollar bill seemed more than appropriate!

But first let me ask you a question:

How Would You Like to Stop Paying Rent Once and for all

And Own A Home Of Your Own Instead?

Silly question, right?

Nobody likes to pay rent month after month and have nothing to show for it but a bunch of rent receipts.

Owning a home is the Great American Dream.  It is a dream shared by everybody.  Young, old, single, married – everybody!  The one thing we all have in common is our dream...to own a place of our own.

It’s a dream as American as apple pie and baseball.  It’s a dream that has been instilled in us from the time we were children. It’s a dream that says we have the right to have a place we call our own.

Not just another place to live.  Not just another apartment or rental.

A place we can lay our heads and call home.

Your Home!

If The Money Were The Same, Why

Would You Continue To Rent

When You Could Own A Home?

It wouldn’t make sense, right?  No sense at all.  Oh sure, you have a place to live, a place to hang your hat, and a place to park your car. And you have a roof over your head.

You might even have a patio and a backyard if you’re lucky.  You might even be living in a house.  But what you will never have as long as you continue to rent is:

A Place Of Your Own.  Your Own HOME!

A place you can call your own.  A place where you can finally settle down and begin building the life you have always dreamed of…raising your family perhaps…or simply resting in the comfort and privacy of your own place.

Putting down some roots. Feeling…well…stable.

Because you know, deep down, when you rent an apartment or a house; it’s always temporary. It’s just another place to live. For now.

It’s the place where you eat, sleep, shower, shave, and fix your hair. It’s just the place you keep your stuff and watch TV.

No big deal.  It’s not like you miss it if you had to leave. It’s just another place.  Isn’t that right?

Not like your own home.  Your own home is something special…

A home reflects who you are.  It’s an expression of your personality.

A home is the place where you create memories – memories you will hold dear and cherish for the rest of your life.  The smell of home baked cookies, the comfort of your favorite chair, the warmth and glow coming from your fireplace,  and the sounds of laughter and joy and contentment because a home is yours.

A home is the feeling you get when you pull into your own driveway and open the door into your own world, a world you and your family alone created.  Your own space.

A home is the color carpet you want.  And the ultimate luxury – a washer and dryer that doesn’t require quarters.  A barbecue in the back.  Room to invite family and friends over. 

And if the money were the same, it just doesn’t make sense to keep on renting…not when you can have a home.  Do you agree?  Good!

Because you CAN own a Home…

and no home buying experience is required---just a desire!

Listen to this story and see if you can relate…

Janice was really upset. 

Little Ricky was even more upset.  He was howling at the top of his lungs and clutching his head just behind his ear.  “Tito hit me!  Tito hit me!”

Janice swooped Ricky up and balanced him on her hip.  She checked for blood and found, instead a golf-ball sized knot.  “Jeez, Ricky.  Let Mama get some ice.  It’ll feel better now.”

It was the third time this month.  Rick and Janice had made it a point to confront Tito’s parents, but it did no good.  They didn’t even watch the kid.  They just sat around their apartment, drank beer, and played loud music all day and all night.  It was crazy.

Later, after hearing the day’s latest events, Rick sat down in the chair Janice had given him for his birthday and let out a sigh.  “I know, Honey.  I want out of this place just as badly as you do.  But it just doesn’t make any sense to put up a first month’s rent, last, AND another security deposit just to move into another apartment.  It just doesn’t make sense!”

“I know, “replied Janice.  “Then let’s see what we can do about buying a small place, Rick.  It doesn’t have to be any place special – just our place.  A place with a yard for little Ricky.”

Ricky started to tap his fingers on the arm of his chair.  “Look, Janice, we can’t afford it right how.  You’ve seen the paper.  Every bank out there wants 20% down.  20%!  There’s no way we can get into a place – any place for less than $10 -$15,000.  And we don’t have that kind of money.”

“I know,” Janice rubbed her face.  It just didn’t seem fair.  It was so hard living here.  She was scared for herself and for little Ricky.

It just didn’t seem fair…

And besides, a lot of their friends were getting their own homes.  How were they doing it?  There was no way they all had ten grand laying around.  No way!

“Well, I guess it’s not so bad,” Janice thought to herself.  At least it was a fairly new building, and they didn’t have to walk too far from the carport…

“Oh, who am I kidding,” Janice said out loud to no one in particular.

Rick sat up in the chair. “Did you say something?”

“Yeah, I said I hate it here, Rick.  I mean it. I know we’ve fixed the place up and all, and it’s a lot better than our last apartment…but still, Rick, we didn’t grow up in an apartment without any place to play, and it is not fair that little Ricky should have to.  It’s just not fair…” Janice said.  Her eyes began to well with tears of anger and frustration.

Rick looked away.   It hurt him to see Janice so upset.  But what could he do?

Rick was frustrated too.  It seemed like they had been renting for years and, well, it was about time to get a home.  It was their time.  Still, he really didn’t see anyway to go about it other than to keep on saving until they got enough for a down payment.

Janice broke his train of though.  “I’m sorry, Rick.  I didn’t mean to get so upset.  Its’ just…”

“I know,” Rick interrupted.  “Come on, let’s get little Ricky to bed.  There’s nothing we can do about it right now anyway.  We’re on track.  It’ll just take us a while…”

* * * *

WHY ARE YOU STILL RENTING?  IS IT BECAUSE

YOU DON’T BELIVE YOU CAN AFFORD TO BUY A HOUSE?

Many people, like Rick and Janice, feel they are doomed to keep feeding their hard earned money to the rent monster until they save enough money to make their dream of owning a home become a reality.

Little do they realize…they already have enough money!

As you’ll see in the rest of this report, there are many, many ways to buy a home with little or no money down.  The problem is…most people simply do not know where to look or what to look for…

Ø      How to buy a home with 0 to 3% down!

Ø      How to qualify for a low 3.75% mortgage.

Ø      How to buy a home without involving a bank.

Ø      How to instantly increase your “take home pay” an extra $100 to $500 a month, so you can afford a home!

Ø      How to get help with your down payment and closing costs from the bank!

Ø      How to obtain a $5,000 cash down payment without borrowing it!

Ø      How to buy a home regardless of your credit history – good or bad.

Ø      How to buy a home without all the cash you thought you needed!

Ø      How to get “pre-approved” for a home loan before you begin looking! (This strategy also gives you negotiating “clout” to get the best deal)

Almost half the people who buy homes are “first-time” buyers who want to escape the financial trap of renting.  They, like you, thought they didn’t have the money they needed to buy a home.  But the secrets I’ll be sharing with you are real, and they work!  Let’s look….

You see, the problem is most of these low money down or no money down secrets to buying a home are generally not known by the real estate industry or the news media because they are not “mainstream” information.

And yet, the right information is essential.

With the right information, the door of home ownership that previously seemed closed magically opens – and your dream of owning a home suddenly becomes a reality.

That’s how all of Rick and Janice’s friends were able to buy their homes without the $10 or $15,000 Rick and Janice thought they needed.

You don’t need mega amounts of money – you simply need to know where to look!

1.         Government Loan Programs

Do you know you have a very rich Uncle who would love nothing more than to help you and your family own your own home?  You do!  It’s Uncle Sam…the good ‘ole U.S. government.

For example, one government loan assistance program offers certain individuals the opportunity to buy a home valued up to $184,000 WITH NO DOWN PAYMENT!

Yes, you heard it right – ZERO DOWN PAYMENT.  That means, if you qualify (and thousands upon thousands of people do each and every year), you can actually buy up to a $184,000 house with 100% financing – no money down!

And there are many other federal government and state sponsored programs as well, including: FHA loans, VA loans, Farmer’s Home Loans, HUD grants (grants are gifts – you never have to “pay back” the money)  and Enterprise Zone Entitlements.

And while all of these programs differ in the types of homes that qualify, loans and fees; they all have one common purpose.  To help the average person, like you, buy a home with a very, very low down payment – often as low as 3%!

Now, I certainly don’t expect you to run all over town trying to find all of these programs. Why re-invent the wheel! After we review your situation, I can help you determine which one, if any, of these programs would be right for you.  I’ve already done the work for you – so you don’t have to worry about it.

2.    Company Retirement Plans

Did you know another excellent source of down payment money is a loan against your company retirement plan?  It’s true!  Many 401(k) plans allow you to withdraw money without penalty or taxes if you use the money towards a down payment on a house.

Now, you will have to check with your employer to see if your plan allows for this option, but most do.  I mean, why wait until you’re sixty-five to benefit from all your hard work when you could use the money NOW and buy your own home!

It’s not uncommon to borrow 5, 10, or even $15,000 form a 401 (k) plan to buy a home, without cost or taxes, and pay it back at a rate of $90 and $180 a month.

Of course, I can help you review your plan and see if this option will work for you.

3.   Private Mortgage Insurance (PMI)

This insurance program is yet another option you can use to buy the home you’ve always dreamed of without the cash you thought you needed!

Basically, PMI is designed to protect the lender in the event you are unable to make your house payments.  And since they are protected from loss, these lenders are often more than happy to issue a home loan with a little as 3, 5, 10, or 15% down!

Of course, being an insurance policy, there is a small premium for this, which is added to your monthly house payment.  BUT, consider this:

Any mortgage interest you pay on your loan is tax deductible, which means you will end up paying less taxes when you own a home than you would by renting.  For instance, if you  bought a $180,000 house and your income is taxed at 28%, you would pay approximately $4000 less taxes!  That’s over $330 per month “take home pay.”  So, if you are paying $800 per month rent, and you add the additional $330 per month from your paycheck – you could afford to make an $1,100 house payment without taking any money out of your pocket!

The money would be the same!  You can actually buy a home for the same “price” you’re paying in rent every month!  How come nobody else has told you this stuff?!

4.  Equity Sharing Programs

Getting half a pie is better than getting no pie at all, isn’t that right?

That’s the principle behind equity sharing. It is a fantastic way for a family member, friend, or an investor to put some of their cash into your home as a “partner” with you.

It works like this.  Let’s say you needed an additional $10,000 to make the down payment required to get your home.  Using a “shared equity” arrangement, a partner would put up the needed $10,000 in exchange for a percentage of the taxes, and live in the house.

Later, say 5, 7, or even 10 years down the road, you can refinance the property and “buy out” your partner and the home is completely yours.  Or, perhaps you’ll sell the home and split the profits with your “partner.”

Home equity sharing arrangements are yet another way for you to buy the home you’ve always wanted without the cash you thought you always needed!”

And, of course, I will be more than willing to help you decide if this type of option will work for you.  For that matter, I can even help you find a suitable “investor” and help you structure the deal if necessary.

5.  Gifts

This is the best of the best.  If you are fortunate enough to receive a gift of part or all of the money you need for a down payment, you’re in GREAT shape – you get the money, get your home, and you don’t  have to pay the gift back.  Talk about having your cake and eating it too!

Of course, receiving a large gift of money isn’t a possibility for many people. However, it is not uncommon to ask for and receive any number of smaller gifts from your parents, grandparents, and older friends when it comes to buying a house.  And with enough small gifts…

There is also the very real possibility a relative who is going to will you the money in the future anyway who would be more than willing to give you a portion of your inheritance now.   In many cases, this will ease their tax burden, creating a win-win situation for everyone involved.

6.   NEW Home Financing

Believe it or not, builders of new homes are often a great source of low down payment financing deals.

You see, a builder obtains a very special kind of financing called a construction loan in order to finance the costs of developing the property.  Normally, these types of loans are very short term; that is, the builder has to pay back the loan in full within 6-12 months.

In order to accomplish this, a builder may offer very low down payment and/or other special financing arrangements to “entice” people to invest in their homes.

And it goes without saying, we can help you find these deals, too.

7.  Creating Financing

There are many, many ways to buy a home wherein the seller helps you with financing.

Now, understand, not every seller will be in a position to do this type transaction, nor will all sellers want to if they can just as easily sell their home with traditional financing options.

Still, there are plenty of sellers more than willing to help you out.  They might be a little more difficult to find, but hey, what’s a little more work compared to owning your own home?

Bad Credit?  No Credit?

No problem!

Life does have its ups and downs and, quite frankly, a less than perfect credit history is more the norm than the exception nowadays.  And lenders are well aware of this fact, so don’t discount your ability to buy a home simply because your past might have a “history.”  Lenders are really a lot more forgiving than most people give them credit for.

Even a previous bankruptcy doesn’t automatically preclude you from qualifying for a mortgage.  Most lenders tend to overlook a bankruptcy if you have re-established a good payment record for at least two years.

But what if you filed bankruptcy less than two years ago?  Or perhaps one of those “ups and downs” in life happened in the not so distant past, and you are now just beginning to re-establish yourself?  Is it still possible to buy a home under these conditions?  Yes.  Absolutely!

Enter the “Lease With An Option To Buy”

It works like this.  Let’s say you have saved $4,000 for a down payment (well, actually, only $2,500 but a significant other’ is willing to gift you $1,500), but your credit history isn’t quite up to par.

After talking with a lender, we are told that if you pay your bills on time for the next year to eighteen months – they would be more than happy to make you a loan.  Okay, fine.

So we can find a suitable house, and we make the sellers this offer?  You will “rent” the seller’s house for $900 a month for two years.  In addition you agree to pay the seller an extra “option fee” of $200 per month, for a total of $1,100 per month.  This extra $200 will count towards the down payment if and when you decide to “buy” the house within this two-year period.

You also agree to give the sellers a $4,000 “option fee” up front.  If you decide to buy, the $4,000 is also counted against the purchase price; if not, the sellers keep it.

Eighteen months later, after paying all your bills on time – the lender makes good on his word and writes you a loan for the home using the “option money” as the down payment.  The seller is happy, the lender is happy…but most importantly…you are happy.  You are the proud, proud owner of your own home!

Here’s Yet Another Way To Buy A Home With Little or No Down Payment!

In this example, we have a seller who wants to sell and for whatever reason – would prefer to “carry paper” rather than to have a large sum of cash.  This seller could then sell the house to a buyer on a “contract of sale.”

Basically, all that this means is the seller acts as the bank. It is beneficial to the seller in that they get a steady, monthly income – usually at rates higher than savings account or CD account would offer.  It is beneficial to the buyer because the buyer actually “owns” the home without having to come up with a large down payment.

Here’s a perfect example.

The buyer offers to buy a $180,000 house with ZERO down and a monthly payment of $1,200 a month.  (We learned ahead of time the seller makes a payment on their loan of $432).

The seller accepts the offer with one condition…the buyer must obtain their own financing within 5 years.  The buyer accepts because even if they can’t  figure out how to get financing within 5 years – they can always sell the house at a profit.

The deal was that simple.  The buyer gets a home with ZERO down payment; the seller gets a steady, monthly check.

You see, there are dozens upon dozens of ways to buy a house with little or no money down.  There are so many ways – if I were to write them all down, this report would be a thousand pages long!

And instead of going into all that detail, the best way to show you how you buy a home now is to sit down with you and see 1) where you are, 2) where you want to go, and 3) plan the best way for you to get there.

Why Continue To Pay Rent And Have Absolutely NOTHING

To Show For It But A Pile Of Receipts

When You Can Own A Home Of Your Own Instead?!

Like we’ve been saying, there are many, many ways to buy the home you always wanted without the money you thought you needed.  Many, many ways.

But the best way to determine what is right for you and your situation is to sit down with you and see what, exactly, your wants and needs are, and then show you how to go about getting it!

In less than an hour, we sit down together and brainstorm dozens of different ways in which you can stop feeding the rent monster month after month with absolutely nothing to show for it.  In less than an hour, we can discover numerous ways in which you can begin laying the foundation of your financial future…instead of handing over your hard earned money to the landlord and sending his kids to college!

Paying rent is hazardous to your financial health!  It’s crazy…

If the money was the same (and it is!), does it makes sense to keep on renting?

Of course not. And you don’t have to any longer.

With your desire to own a home and my professional knowledge and insight into how the real estate game is played – we can win, and win big.  The prize?  A home of your own.  At last.  Finally.  Because you deserve it.

So What’s The Next Step?

The next step is for us to get together, so I can meet you and learn about your particular situation.  Then we’ll brainstorm and come up with the best way (or ways) which will enable you to buy a home of your own.

And do you know what the really good news is?  Our meeting together, in fact our working together, will never, cost you one, single solitary dime.  You see, in the real estate game – the seller, not the buyer – always pays the fee.  Isn’t that great!

So you get professional real estate AND financial counseling – absolutely, 100% free!

And you never have to feel obligated to buy a home from me either.

If, after we have talked about your situation and explored the many, many avenues in which you can afford to buy a home, you decide to wait until you are more comfortable or for any other reason – that’s fine.  At least you’ll have a plan and are one step closer to realizing your dream!

Invest One Hour Of Your Time

And You’ll Walk Away Knowing Everything

You Need To Know

To Stop Paying Rent Forever…

            You see, I do things a little bit differently than most real estate agents you might meet.

For one, I made it a point to study and become very good at using creative financing techniques to buy homes – unlike most of my peers who will only work with the “easy one,”  you know, those people who do have 10, 15 or $20,000 in cash stuffed in their mattress.

Secondly, I believe my job is not only to “sell homes;” but even more importantly to help people stop paying rent.  I don’t know what it is…I just have this personal vendetta against the “rent monster.”  I just can’t stand to see ordinary people, people like you and me get sucked into a never-ending cycle of helping the rich get richer while we struggle by…doing the best we can.

And, yes, it’s a lot more work for me.  But, you know, it’s worth it!  I can’t think of any better high than to see a person or young couple finally realize their dream of owning their own home and not have to pay rent again…forever!

Why Continue To Throw Away Your Hard Earned Money

Month After Month After Month

And Have Nothing, Absolutely Nothing To Show For It…

YOU DESERVE MORE THAN THAT!

Isn’t it about time you stopped paying rent once and for all

and began investing in your own financial future?

Leave the landlord to fend for himself.  (Trust me, he will find another victim)!

Well, I hope I’ve got you thinking.

You probably have a lot of questions.

That’s good!

And as you go through your day and do whatever it is that you do, as you’re driving your car on your way to work or to the market or perhaps as you lie awake in bed - just before you doze off – you’ll remember what you read here and you’ll wonder…

Why am I paying rent, anyway?  If the money is the same…and it is...it just doesn’t make sense to keep paying rent month after month when I could actually OWN my own home.  It just doesn’t make sense.

And you’ll say to yourself, Self, I think I’m going to give that agent a call while this is all fresh in my mind.  After all, what can it hurt?  The worse that could happen is I spend a few minutes learning.  And if what the agent is saying is true…well…just think of the possibilities…

And is there anything wrong with dreaming the American Dream?  Not at all.  It’s your right.  The only thing wrong is not doing anything about your dreams. The only thing wrong is failing yourself by not taking action – right here – right now.

Call me.  Let’s talk.

I look forward to it.

Sincerely,

Merry Silbaugh, ABR, ASP, CRS, e-PRO, GRI

“Where The Service Is All About YOU!”

Coldwell Banker Residential Brokerage