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The Joy of Buying Your First Home,[object Object],GN-50-91810,[object Object]
Agenda,[object Object],Homeownership brings…..,[object Object],What is Homeownership?,[object Object],Preparation ,[object Object],Budgeting, Savings, and Credit,[object Object],Qualifying,[object Object],Loan Programs ,[object Object],Are you ready to buy a home?,[object Object],2,[object Object]
What is Homeownership?,[object Object],The American dream,[object Object],An opportunity to provide for family,[object Object],A tax deduction,[object Object],Property appreciation,[object Object],Having the nicest lawn on the block,[object Object],Your own backyard,[object Object],Your own garage,[object Object],3,[object Object]
Homeownership brings…….,[object Object],Sense of community,[object Object],Stability,[object Object],Tax benefits (Consult your tax advisor),[object Object],Stable housing costs,[object Object],Potential appreciation,[object Object],4,[object Object]
The Home Buying Process,[object Object],The Home buying Team: Who is Involved?,[object Object],[object Object]
Mortgage Broker
Home Inspector Professional
Appraiser
Surveyor
Insurance Agent
Attorney
Escrow/Title Officer5,[object Object]
Preparation,[object Object]
Preparation,[object Object],Two things have to happen:,[object Object],Find a home,[object Object],Qualify for a loan,[object Object],7,[object Object]
4 C’s of Lending,[object Object],Capital (savings),[object Object],Do you have enough cash for the down payment and closing costs?,[object Object],Do you have enough cash for emergencies?,[object Object],Capacity (income),[object Object],Can you repay the debt?,[object Object],Character (credit history),[object Object],Will you repay the debt?,[object Object],Collateral (house),[object Object],Will the lender be fully protected if you fail to repay the loan?,[object Object],8,[object Object]
What Lenders Look For,[object Object],Debt to Income Ratios,[object Object],Relationship between current consumer debts and current income,[object Object],Is your income high enough?,[object Object],Are your debts low enough?,[object Object],Down payment,[object Object],The higher the down payment, the lower the loan amount,[object Object],Reserves,[object Object],How much money do you have saved?,[object Object],How much will be left after closing?,[object Object],Do you pay your bills on time?,[object Object],Credit reports,[object Object],Non-traditional credit,[object Object],9,[object Object]
Preparing to Buy a Home,[object Object],Daily Spending Diary ,[object Object],Decrease Spending & credit card use,[object Object],Entertainment (movies, dinners out),[object Object],Clothes,[object Object],Dry cleaning,[object Object],Budgeting Tools,[object Object],10,[object Object]
Budgeting,[object Object],What is a budget?,[object Object],A budget is a plan for managing your income and expenses,[object Object],11,[object Object]
Make Budgeting Easier,[object Object],Decide who pays bills,[object Object],Know when bills are due,[object Object],Open a checking account & savings account,[object Object],Check interest rates on all of your loans,[object Object],Pay down high cost loans & credit cards,[object Object],Involve family in saving process,[object Object],use coupons,[object Object],find bargains,[object Object],cut back on eating out,[object Object],12,[object Object]
Budgeting Tips,[object Object],Plan expenses according to current income,[object Object],Establish budget for six months to one year,[object Object],Keep record-keeping simple,[object Object],Set money aside for maintenance & emergencies,[object Object],Get consensus from entire family – make it a family project,[object Object],Pay yourself first - SAVE!,[object Object],13,[object Object]
SAVINGS,[object Object],14,[object Object]
Importance of Saving,[object Object],Pay yourself first,[object Object],Consider savings via payroll deduction,[object Object],Bank your change at the end of the day,[object Object],Bank surprises,[object Object],Bonuses and gifts,[object Object],If you can save $2.00 a day @ 2% interest you will have saved over $1,500 in 2 years,[object Object],That is one less Starbucks coffee each day,[object Object],15,[object Object]
CREDIT,[object Object],16,[object Object]
The Importance of Credit		,[object Object],What does it mean to a lender,[object Object],Applying for credit,[object Object],Managing credit,[object Object],17,[object Object]
How Lenders Use A Credit Score,[object Object],Scores assess past bill paying history to predict future behavior,[object Object],Scores are used to perform a risk analysis which helps predict the likelihood of loan repayment,[object Object],18,[object Object]
Credit Scores,[object Object],The credit bureau risk score is a summary of the information in your credit file,[object Object],Scores range from 300-850 ,[object Object],Score ranks consumers according to risk,[object Object],The higher the score, the lower the risk of default,[object Object],19,[object Object]
Common Credit Problems,[object Object],Multiple credit cards used to their limit,[object Object],Obtain new credit when existing debts remain unpaid,[object Object],Pattern of late payments on current debts,[object Object],Bankruptcies,[object Object],Judgments,[object Object],Charge-offs,[object Object],Foreclosures,[object Object],20,[object Object]
Solving Credit Problems,[object Object],Cancel unnecessary credit ,[object Object],Pay off or pay down debts,[object Object],Resolve unpaid debts,[object Object],Write letters to credit bureaus for corrections,[object Object],Settle with collection agencies,[object Object],21,[object Object]
Easy Steps to Build Credit,[object Object],Open a checking and savings account to pay bills easily,[object Object],Establish credit by,[object Object],Applying for a small loan using savings as collateral,[object Object],Applying for a credit card and using it minimally,[object Object],Applying for a loan with a co-signer,[object Object],Establish non-traditional credit,[object Object],22,[object Object]
Easy Steps to Build Credit,[object Object],Rent payments,[object Object],Electric and other utility payments, car insurance,[object Object],Child care or child support payments,[object Object],Any other recurring expense,[object Object],Non-traditional credit sources must be in your name,[object Object],23,[object Object]
Know Your Credit,[object Object],Request a copy of your credit report,[object Object],Review for accuracy,[object Object],Dispute inaccurate information,[object Object],Send a letter to the 3 credit bureaus if you have a dispute,[object Object],Pay all past due accounts as soon as you can,[object Object],Negotiate with creditors if you can’t pay in full,[object Object],If blemishes are severe - consider credit counseling,[object Object],24,[object Object]
Credit Reporting Agencies,[object Object],25,[object Object]
QUALIFYING,[object Object],26,[object Object]
A House Payment Includes,[object Object],PITI,[object Object],Principal,[object Object],Interest,[object Object],Taxes,[object Object],Insurance,[object Object],27,[object Object]
Pre-Qualification,[object Object],Determines how much mortgage you qualify for,[object Object],Informal, no obligation,[object Object],Figure is an estimation - not exact,[object Object],28,[object Object]
Approval,[object Object],Commitment from lender: “conditional approval” for a predetermined amount,[object Object],Based on verified information,[object Object],29,[object Object]
Are You Ready to Buy a Home?,[object Object],First Steps:,[object Object],Review your employment,[object Object],Have I been employed on a regular basis for 2 years?,[object Object],Evaluate your sources of income,[object Object],Is my income steady?,[object Object],Do I have money saved for a down payment & closing costs?,[object Object],Analyze your current expenses,[object Object],Do I have a budget?,[object Object],Can I handle a monthly mortgage payment, taxes, insurance, repairs?,[object Object],Can I handle unexpected events?,[object Object],Determine the status of your credit history,[object Object],Do I have established credit?,[object Object],Have I paid my bills on time?,[object Object],Yes - I want to own a home,[object Object],Am I familiar with what is required to qualify for a home loan?,[object Object],Am I willing to work towards preparing myself to become a homeowner?,[object Object],30,[object Object]
Now’s The Time To Buy,[object Object],First Time Home Buyer Tax Credit $8,000,[object Object],Interest Rates all time lows,[object Object],Home prices bottomed out,[object Object],Get more home for your money,[object Object],31,[object Object]
Rent vs. Buy,[object Object],See handout for comparison,[object Object],32,[object Object]
LOAN PROGRAMS& LOAN TYPES,[object Object],33,[object Object]

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Ft Homebuyer Gn 50 91810