Haven

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Haven

  1. 1. Presentation Presented by Tervor Otts www.betterlifebettercredit.com
  2. 2. What is HAVEN? Home Ownership Survey? … … …
  3. 3. Presented by Trevor Otts www.havenrealtycenters.com
  4. 4. The safest place in Real State. More than a real state company. Is a Movement!.
  5. 5. To create Real State Professionals that are service driven, not commission driven.
  6. 6. To require Real State Professionals to be conscientious about the welfare of the costumer.
  7. 7. To ensure that Real State Professionals strive to exceed the expectations of your customers.
  8. 8. To protect you during the real state transaction. We help you achieve your dreams and realize your goals and your highest aspirations.
  9. 9. Because we care about… COSTUMER COMMUNITY YOU
  10. 10. to Help YOU!
  11. 11. Have 15 years of Experience, Energetic, Enthusiastic, Dedicated. Caring.
  12. 12. Presented by Trevor Otts www.havenrealtycenters.com
  13. 13. Thank you for answering the survey. Now it is time to CONTINUE…
  14. 14. Presented by Trevor Otts www.havenrealtycenters.com
  15. 15. Homebuyers who have a realistic perspective on the home purchasing experience find homes at a FASTER rate than those who DON’T.
  16. 16. I MUST understand that…
  17. 17. 1. Some areas are more expensive than others…
  18. 18. 2. My finances play a GREAT factor in what I CAN afford.
  19. 19. 3. This is NOT my last home.
  20. 20. 1. More property (Maybe a large house with more bedrooms or more space etc.) in a less popular Neighborhood
  21. 21. 2. Less property (Maybe a smaller home, less rooms or less space. Perhaps a townhouse instead of a single family home etc.) in a more popular neighborhood.
  22. 22. 3- I’m willing to pay whatever premium that is required to have the size & type of Home I Desire in the Areas I Prefer and I can Afford it.
  23. 23. CHOOSE ONE!
  24. 24. As an informed and educated buyer, I must bring my CHOICES in line with my FINANCIAL CAPABILITIES.
  25. 25. Can make realistic choices and bring them in line with my financial capabilities by Balancing My Understanding of:
  26. 26. 1. Different Areas VS Different Prices
  27. 27. 1. Different Areas VS Different Prices
  28. 28. 2. What I want VS What I need
  29. 29. What I need?… A CAR that… Is just for me (I am single) Does not spent so much gas Is confortable And safe.
  30. 30. 3. What I Want VS What Can I Afford? I CAN Afford… A 10K – 13K Less than 155” Length By Chevrolet…
  31. 31. So … Let me Introduce the car you need and can afford.
  32. 32. This situation happens with houses too…
  33. 33. A Team and as a team our goal is to… Get the MOST amount of house for the LEAST amount of money for the LOWEST monthly payments!
  34. 34. Presented by Trevor Otts www.havenrealtycenters.com
  35. 35. Where there is NO investment there is No Appreciation
  36. 36. My Time Purchasing a home does not happen overnight it requires giving up your time and being inconvenienced.
  37. 37. My Energy Looking at homes is labor intensive. It usually involves a lot of walking so wear comfortable shoes.
  38. 38. My Emotions / Sanity Purchasing a home can be an emotionally draining experience.
  39. 39. My Money There are fees associated with purchasing any home. These fees are commonly referred to as a Down Payment and/or Closing Cost. There is no such thing as purchasing a home with no fees.
  40. 40. There is a possibility of purchasing a home with REDUCED Fees.
  41. 41. Presented by Trevor Otts www.havenrealtycenters.com
  42. 42. There are two major costs associated with home ownership are closing costs and down payment.
  43. 43. Are the fees associated with purchasing a home. Generally they equal 5% to 6% of the purchase price. It includes everything from state and county taxes to mortgagee fees and appraisal costs.
  44. 44. Closing cost usually average about 6% of the sell price or $6,000 for every $100,000 in the sales price of the home. Let’s see some examples…
  45. 45. Example 1: I decide to purchase a home for $120,000. My C.C. will be… 120,000 X 0.06 7,200 7,200 of Closing Costs
  46. 46. Example 2: I decide to purchase a home for $200,000. My C.C. will be… 200,000 X 0.06 12,000 12,000 of Closing Costs
  47. 47. Is the amount the client invests into the ownership of the home, there by reducing the overall loan amount. Down payment can be anywhere from 0% to 20% depending on the lenders requirements and the clients desire.
  48. 48. The average Down Payment amount is 3% or $3,000 for every $100,000 in the sales price of the home. Let’s see some examples…
  49. 49. Example 1: I decide to purchase a home for $120,000. the average amount that the client would need to invest is 3%. What is the Loan Ammount? 120,000 120,000 X 0.03 - 3,600 3,600 116,400 116,400 of loan amount
  50. 50. Example 2: I decide to purchase a home for $200,000. the average amount that the client would need to invest is 3%. What is the Loan Ammount? 200,000 200,000 X 0.03 - 6,000 6,000 194,000 194,000of loan amount
  51. 51. Closing Costs Total funds needed to purchase Down Payment
  52. 52. If Down Payment = 3% And Closing Cost = 6% The Total funds needed to purchase is 9% of the sales price of the home.
  53. 53. Example 1: For a $100,000 house. I need… 100,000 100,000 3,000 X 0.03 X 0.06 + 6,000 3,000 6,000 9,000 109,000 of total funds needed
  54. 54. Example 2: For a $200,000 house. I need… 200,000 X 0.09 18,000 218,000 of total settlement
  55. 55. Presented by Trevor Otts www.havenrealtycenters.com
  56. 56. Offers 3 Homebuyer assistance programs to determine which program is best for you. It will be necessary to consider your credit score, your income and your financial savings. NO ONE WILL BE TURNED AWAY!
  57. 57. Program #1: The buyer assistance program Program #2: The rent to own program Program #3: The credit intervention program
  58. 58. ALWAYS FOLLOW YOUR DREAMS. Presented by Person Name www.betterlifebettercredit.com

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