Homebuyer Presentation

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1 Click to View New Homes Tina Hess Coldwell Banker Realtor Homebuyer Presentation Everything you need to know Make buying your home easy and affordable. Click To Apply

2 Click to View New Homes Tina Hess Coldwell Banker Realtor Why Buy? Tax deductions Stable housing costs Gain equity You control your property

3 Are You Ready to Buy Steady income Pay bills on time Low to medium debt Down payment available Ability to pay mortgage

4 What Type of Home Type of community New home Resale home Fixer-upper Features # Bedrooms # Bathrooms Garage, etc.

5 How Much Can You Afford? Housing costs < 29% of gross income Housing costs & debt no more than 36% of gross income Consider special loan programs

6 Why Be Pre-Approved? You know what you can afford before you begin to shop Shows sellers you are serious about buying Can make an offer as soon as you find the home you want

7 Documents for Pre-Approval? Pay stubs (1 month) W-2 forms (2 years) List of long term debt Recent bank statements Tax returns (2 years) Proof of any additional income Identification

8 What Kind of Mortgage Will be Right for You? Do you expect your finances to change? Are you planning to live in the home for a long time? Are you comfortable with your payment fluctuating? Do you want to have your mortgage paid off by a certain time?

9 Fixed Rate Mortgage Payments remain the same 15 or 30 year repayment terms Advantages: predictability & insurance against rising interest rates

10 Adjustable Rate Mortgage Payments increase or decrease on a regular schedule with interest rate changes Increases are subject to limits ARM linked to specific index or margin Advantages include a low initial interest rate with lower monthly payments

11 15 VS 30 Year Term 30-Year in first 23 years of loan more interest paid than principal affording larger tax deductions 15-Year Loan is generally at a lower interest rate and equity is built faster because early payments pay more to principal.

12 Special Programs Available First time homebuyers No down payments Less than perfect credit Heavy debt burden Irregular income or self employed

13 How A Realtor Can Protect You Seller is represented by the listing Realtor Listing Realtor is bound to protect and represent the seller A buyer s agent would be bound to protect and represent you (the buyer)

14 Click to View New Homes Tina Hess Coldwell Banker Realtor Begin Looking For Homes Compare to list of must haves Imagine your furniture will it fit? What is the state of repair (or disrepair)? Imagine it in all seasons Ask your Realtor to point out the pros & cons

15 Click to View New Homes Tina Hess Coldwell Banker Realtor When You Find The Right Home Determine amount you re willing to offer Decide how much earnest money you ll put down

16 Click to View New Homes Tina Hess Coldwell Banker Realtor Determining The Offer Amount What are comparable homes selling for What is the home s condition How long has the home been on the market What are the financing terms What is the seller s situation Rely on your Realtor for guidance Be prepared to negotiate

17 Click to View New Homes Tina Hess Coldwell Banker Realtor About The Earnest Money Deposit Usually between 1-5% of the purchase price If offer is accepted, earnest money becomes part of your down payment or closing costs If offer is rejected, the money is returned to you If you back out of the deal, you forfeit the money

18 Click to View New Homes Tina Hess Coldwell Banker Realtor Making The Offer Realtor will assist you in making the offer, which will include: Legal description of property Amount of earnest money Down payment and financing details Proposed closing date Price you are offering Length of time offer is valid Details of the deal

19 Home Inspection Contract should be contingent upon it Professional inspector evaluates safety and condition of the home Includes structure, construction and mechanical systems

20 Closing Costs Include Escrow fees Property taxes Interest Loan origination fee Recording fees Survey fee Appraisal Homeowners insurance Mortgage insurance (if applicable) Title insurance Loan discount points First payment to escrow account

21 Click to View New Homes Sherri Grant Keller Williams Realty Realtor On Closing Day Present receipt of homeowner s insurance Closing agent will list money you owe seller and money seller owes you Seller will provide proofs of any warranties or inspections You ll read documentation & sign on the dotted line You ll pay all closing costs and receive a settlement statement The deed will then be recorded

22 Victor Bals Huron Valley Financial Sales Manager NMLS Why Use Us Making the Right Lender Choice Welcome to the Victor Bals Team of Huron Valley Financial. As you embark on making a lender choice, my team would like to apply for the position as your lender, and advisor. We would like you to understand who we are, and what we do, to meet your and beat your expectations. Our Team will provide: Detailed credit analysis, loan options, and purchase offer strategies Detailed closing costs, payment, and cash to close estimates on each property Detailed loan scenarios minimizing or eliminating PMI (Mortgage Insurance) Detailed purchase offer structuring, minimizing cash to close to utilize post closing for moving expenses, improvements to the home and cash reserves Absolute World Class Communication to you and all involved in the transaction Personal attention and a lot of love. As mortgage guidelines have increasingly become more difficult, our team will do the homework upfront to eliminate obstacles, delivering a smooth and timely transaction, exceeding your expectations and gaining your trust and respect as your lender. Meet the team on the next page

23 Victor Bals Senior Loan Officer - Mgr. My background as an Process Engineer enabled me to lived in Japan for 3 years as a Program Manager. I met a wonderful woman, Maya, and she became my wife in That is when we moved to Livingston County. We have 3 beautiful children, all engaged in soccer and focused on academics. We live in Hartland and enjoy the pool, friends, and family as well as traveling to Japan giving our children a rich cultural experience. Maya chose a stay at home career, so she may devote her time to positive life developing disciplines for our children. My passion is structuring mortgage loans for the business of life. Utilizing strategies that both focus both short term and long term financial goals and objective of each and every client. Many lenders just Sell the mortgage to the client, but often times miss the key point of what the client would like to achieve. I like to not only look at the mortgage, but also analyze credit, the reserve funds for future life changes, the funding of college and look to where the client will be positioned in their the retirement years. My engineering approach to the mortgage structure and the mortgage process allows my team to offer world class service in communications, second to nobody. We also educate each client with several options and complete understanding of how those options will benefit their future. You have my personal devotion, with your best interest in mind. Please review these testimonials of our past Clients, and Realtors who regularly refer us business.

24 Beth K. O Hara Senior Loan Processor I have over 14 years experience in the mortgage lending industry. I am a fully licensed Loan Officer and I am also the Sr. Loan Processor for the Victor Bals Team. Prior to joining the mortgage industry in 2000, I worked for Detroit Edison - DTE Energy for 10 years as a Senior Analyst in the Customer Service Division. Superior Customer Service has always been my top priority. My mission is providing the best lending experience to each and every client, in a friendly, professional, informative, detailed and reliable manner with the best world class communication in the industry! My background includes a BBA Degree from Western Michigan University, with a major in Marketing and a double minor in Business Communications and Business Administration. I have enjoyed living in the Brighton/Hartland community for over 20 years and I have three wonderful children. My eldest daughter, Erynn, attends Western Michigan University; my second daughter, Emma, and son, Danny, attend Hartland High School; In my spare time I enjoy being a Lacrosse Mom, Soccer Mom, Basketball Mom, and Football Mom, as well as an active member in our school district, community, and church. From start to finish I am involved in your loan working as your partner to offer comfort, direction, and explanation of the mortgage process and necessary steps. My role is crucial to keep you informed so your mortgage experience is timely, smooth and a pleasant experience.

25 Gary Halek Team Manager I have lived in Livingston County Michigan since I started in the Mortgage Business in I was a Loan Officer in Brighton, Michigan and earned National Loan Officer of the Year in 2001, closing over 30 million in residential mortgage loans. In 2002, I was promoted to Branch Manager. In 2002 and 2003 my branch earned National Branch of the Year, exceeding over 100 million dollars in loan volume. After the Mortgage Crisis of 2008 and closure of hundreds of mortgage companies nationwide, I stepped out of the Mortgage Business. I worked as a Server at a local restaurant and painted houses to provide for my family. As I re-entered the Mortgage Business in 2011, I found that the mortgage guidelines had changed dramatically, tightening their grip on qualifying a client. The mortgage process had become an exhausting experience for the borrowers. I felt my Studies at Michigan State University in Business Administration would be better served in a Management role, to assure a smooth and timely process for the client. I consider my position as Team Manager of the Victor Bals Team crucial to customer satisfaction and the success of our team. My primary role is to drive the process to specific timelines, and meeting or exceeding the objectives of each of our customers. Communication is the key to a smooth mortgage or home purchase process. To identify potential pitfalls and develop resolution early in the process ensures a successful outcome for all partiers involved in the transaction. My goal is to guide you in achieving your goals

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