Are You Ready to Buy a Home???

"Oh, we can DEFINITELY afford it. It's just that we don't have ANY MONEY!!!"

• First and Foremost: Financial Stability.
• Credit Challenges vs. Cashflow.
• Credit Evaluation... for a Lease-Purchase?!?
• Dodo-Frankenstein is Your Friend.

Qualifying for a Home Loan 101.

"Prequalified"... vs. "Approved". Throwin' it at the Wall...

Major Variables of your Loan-Readiness.

• How Much Can You Afford??? Your Affordability-Study, and Your PLAN.
• To Whom are You Listening?
• Credit Scores; the FICO.
• Debt-to-Income ratios... front & back -end.
• Trade Lines, & Credit Utilization Ratios.
• Inquiries... Hard, Soft, etc.

Qualifying for a Home Loan 201.

• The Home: Work-for-Equity, FHA/VA/USDA.
• Rule # 1: Be a Super-Star!!! Have a Plan, Have Options.
• VOR... Documentation, Documentation, Documentation vs. "DUUUHHHHHHH".
• Self-Employed? Let's Face It... Banks Don't Like You. Deal with It!
• Affordability, Credit Repair, Credit Building.

DIY Credit Repair.

Why Should I Spend $99 DOLLARS a MONTH?!?

• "My LoanOfficer Said..." 3 Years vs. 3 Months.
• To Whom are You Listening?
• Credit Repair, Credit Counselling, Credit Building.
• Cleaning up your credit. DO's and DON'Ts!!!
• "Pay Down Those Old Debts!"
• Pre-Paid "Credit" Cards.

Down Payment?!?!?

• Let's Get Real Here.
• Your Most Powerful Tool.
• Financial Stability.
• Commitment.

Buying a Home from Liberty.

Step by Step!

• 1 -- MatchMaker, MatchMaker...
• 2 -- First Things First. Your Application.
• 3 -- Purchase Meeting. The FACTS! "negotiation" vs. a proven system.
• 4 -- The Signing, The KEYS!!!
• 5 -- We're Here for You... or Not.

Too Good to be True?

"Guarantee"... Can I Lose my Money?

• Do You Trust Yourself? L/O vs. Mortgage.
• Application & Affordability Study... Credit Evaluation.
• How Long Do We Have???

Land-Contract vs. Lease-Purchase.

• Mis-Information... Blah, Blah, Blahhhh.
• Land Installment Contract, Contract for Deed.
• Land-Contract vs. Lease/Option vs. Lease-Purchase. If... Then.

Calculating your REAL monthly payment.

• Zillow, Realtor.com, etc. REALLY?!?
• P I T I.
• PMI.
• Tying It All Together... Your Home Purchase Program, and the Whole Point of This! Stepping Stones to Your Home Loan.
• $500 down, $400 per month. Yeeee HAAAWWWWWW!!!!! Home vs. a used Toyota.
• "Payment Shock"
• "Enticement to Buy"