Presentation




                  Presented by Tervor Otts
               www.betterlifebettercredit.com
What is HAVEN?

Home Ownership Survey?

…

…

…
Presented by Trevor Otts
www.havenrealtycenters.com
The safest place in Real State.

More than a real state company.



                     Is a Movement!.
To     create    Real      State

Professionals that are   service
driven, not commission driven.
To    require    Real      State
Professionals       to       be

conscientious        about the
welfare of the costumer.
To   ensure   that   Real   State

Professionals strive to   exceed
the expectations          of your
customers.
To   protect you      during the
real   state   transaction.   We

help you         achieve      your
dreams and realize y...
Because we     care about…


CUSTOMER   COMMUNITY   YOU
to Help YOU!
Have 15 years of Experience,

Energetic,

Enthusiastic,

Dedicated.

Caring.
Presented by Trevor Otts
www.havenrealtycenters.com
Thank you for answering the survey.




          Now it is time to CONTINUE…
Presented by Trevor Otts
www.havenrealtycenters.com




         $ 100,000           $ 1,000,000
Homebuyers     who    have   a

realistic perspective   on the
home purchasing experience find

homes at a   FASTER   rate...
I MUST   understand that…
1. Some areas are more   expensive   than
others…
2. My finances play a GREAT factor in what I
CAN afford.
3. This is NOT my last home.
Later I sell it for    $200,000
 Let’s assume I paid    $100,000

How much did I make    $100,000
Let’s assume I paid                 $200,000
I made and placed a down payment of $100,000

         How much did I owe    ...
I have upgraded my home
 without upgrading my
      payment!!!
1.   More property   (Maybe a large house
with more bedrooms or more space etc.) in a
less popular Neighborhood
2.   Less property     (Maybe
a smaller home, less rooms
or less space. Perhaps a
townhouse    instead    of   a
single fa...
3- I’m willing to pay whatever    premium    that is
required to have the size & type of Home I Desire in

the Areas I Pre...
CHOOSE ONE!
As    an    informed    and
educated buyer, I must bring
my CHOICES in line with

my           FINANCIAL
CAPABILITIES.
Can    make   realistic choices
and bring them in line with my

financial     capabilities   by

Balancing   My Understand...
1. Different Areas VS Different Prices
1. Different Areas VS Different Prices
2. What I want VS What I need
What I need?…


     A CAR that…
 Is just for me (I am single)
Does not spent so much gas
        Is confortable
         ...
3. What I Want VS What Can I Afford?



 I CAN Afford…
     A 10K – 13K
Less than 155” Length
    By Chevrolet…
So … Let me Introduce the car you
need and can afford.
This situation

happens with
houses too…
What I want?
What I need?


   A House that…
      Is for my wife,
my 2 small children and me
     Reasonable Price
       Comfortable
...
What Can I Afford?



 I CAN Afford…
  A 100K House…
So … Let me Introduce the house you
need and can afford.
A Team and as a team our goal is to…


         Get the MOST amount of house
         for the LEAST amount of money
     f...
Presented by Trevor Otts
www.havenrealtycenters.com
Where there is NO investment there is No

Appreciation
My Time
Purchasing a home does not happen overnight it
requires   giving   up   your   time   and   being
inconvenienced.
My Energy
Looking at homes is labor intensive. It usually involves
a lot of walking so wear comfortable shoes.
My Emotions / Sanity
Purchasing a home can be an emotionally draining
experience.
My Money
There are 2 sets of fees associated with purchasing
any home. These fees are commonly referred to as a
Down Payme...
There is a possibility of

purchasing a home with

REDUCED Fees.
Presented by Trevor Otts
www.havenrealtycenters.com
There are   two major   costs associated
with home ownership are closing costs and
down payment.
Are the fees associated with
purchasing a home. Generally
they equal 6% of the purchase
price.   It includes everything
fr...
Closing cost usually average
about 6% of the sales price
or   $6,000      for      every
$100,000 in the sales price
of th...
Example 1:

I decide to purchase a home for $100,000.
My C.C. will be…


                                   100,000
      ...
Example 2:

I decide to purchase a home for $200,000.
My C.C. will be…


                                   200,000
      ...
Is the amount the client      invests
into    the    ownership      of     the
home,      there   by    reducing    the
ov...
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 exampl...
Example 1:

I decide to purchase a home for $100,000. the
average amount that the client would need to
invest is 3%. What ...
Example 2:

I decide to purchase a home for $200,000. the
average amount that the client would need to
invest is 3%. What ...
Closing
 Costs

          Total funds
          needed to
           purchase
 Down
Payment
If Down Payment = 3%
And Closing Cost = 6%


The    Total   funds   needed   to
purchase is 9% of the sales price
of the h...
Example 1:

For a $100,000 house. I need…

      100,000         100,000         3,000
     X     3%        X     6%    + ...
Example 2:

For a $200,000 house. I need…

                     200,000
                    X     9%
                     ...
Presented by Trevor Otts
www.havenrealtycenters.com
Offers 3 Homebuyer assistance programs to determine
which program is best for you.

It will be necessary to consider your ...
Program #1: The buyer assistance program



Program #2: The rent to own program



Program #3: The credit intervention pro...
for   clients   with   OK   to

great    credit, but low on
cash to invest into the home
purchase transaction.
SAP–
                                                                                 Seller
    Federal Housing Administr...
For clients with damaged
credit    and   some       funds
saved for investing into the
transaction.    (Usually     one
pe...
Clients in this program agree to rent a home for a period of 1 to 3 years. During
that period of time the customer agrees ...
Client will not
                                               be able to
                              Client must      l...
For clients who   lack the
necessary credit       and

funds     necessary     to
purchase a home.
DIY (Do It Yourself)          Intermediate             Aggressive Credit
 Credit Intervention        Credit Intervention  ...
Presented by Trevor Otts
www.havenrealtycenters.com
Client must turn in pages 2, 3, 4 and

13 at the front.

To   enrollment    fee   is   $65   for

individuals and $85 for ...
Presented by Trevor Otts
www.havenrealtycenters.com
ALWAYS FOLLOW YOUR
                                 DREAMS.



Presented by Trevor Otts
www.betterlifebettercredit.com
Haven
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… CUSTOMER 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 $ 100,000 $ 1,000,000
  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. Later I sell it for $200,000 Let’s assume I paid $100,000 How much did I make $100,000
  21. 21. Let’s assume I paid $200,000 I made and placed a down payment of $100,000 How much did I owe $100,000
  22. 22. I have upgraded my home without upgrading my payment!!!
  23. 23. 1. More property (Maybe a large house with more bedrooms or more space etc.) in a less popular Neighborhood
  24. 24. 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.
  25. 25. 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.
  26. 26. CHOOSE ONE!
  27. 27. As an informed and educated buyer, I must bring my CHOICES in line with my FINANCIAL CAPABILITIES.
  28. 28. Can make realistic choices and bring them in line with my financial capabilities by Balancing My Understanding of:
  29. 29. 1. Different Areas VS Different Prices
  30. 30. 1. Different Areas VS Different Prices
  31. 31. 2. What I want VS What I need
  32. 32. What I need?… A CAR that… Is just for me (I am single) Does not spent so much gas Is confortable And safe.
  33. 33. 3. What I Want VS What Can I Afford? I CAN Afford… A 10K – 13K Less than 155” Length By Chevrolet…
  34. 34. So … Let me Introduce the car you need and can afford.
  35. 35. This situation happens with houses too…
  36. 36. What I want?
  37. 37. What I need? A House that… Is for my wife, my 2 small children and me Reasonable Price Comfortable In a safe area.
  38. 38. What Can I Afford? I CAN Afford… A 100K House…
  39. 39. So … Let me Introduce the house you need and can afford.
  40. 40. 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!
  41. 41. Presented by Trevor Otts www.havenrealtycenters.com
  42. 42. Where there is NO investment there is No Appreciation
  43. 43. My Time Purchasing a home does not happen overnight it requires giving up your time and being inconvenienced.
  44. 44. My Energy Looking at homes is labor intensive. It usually involves a lot of walking so wear comfortable shoes.
  45. 45. My Emotions / Sanity Purchasing a home can be an emotionally draining experience.
  46. 46. My Money There are 2 sets of 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.
  47. 47. There is a possibility of purchasing a home with REDUCED Fees.
  48. 48. Presented by Trevor Otts www.havenrealtycenters.com
  49. 49. There are two major costs associated with home ownership are closing costs and down payment.
  50. 50. Are the fees associated with purchasing a home. Generally they equal 6% of the purchase price. It includes everything from state and county taxes to mortgagee fees and appraisal costs.
  51. 51. Closing cost usually average about 6% of the sales price or $6,000 for every $100,000 in the sales price of the home. Let’s see some examples…
  52. 52. Example 1: I decide to purchase a home for $100,000. My C.C. will be… 100,000 X 6% 6,000 Closing Costs = 6,000
  53. 53. Example 2: I decide to purchase a home for $200,000. My C.C. will be… 200,000 X 6% 12,000 Closing Costs = 12,000
  54. 54. 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.
  55. 55. 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…
  56. 56. Example 1: I decide to purchase a home for $100,000. the average amount that the client would need to invest is 3%. What is the Loan Ammount? 100,000 100,000 X 3% - 3,000 3,000 97,000 The total amount that the bank is lending YOU is 97,000
  57. 57. 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 3% - 6,000 6,000 194,000 The total amount that the bank is lending YOU is 194,000
  58. 58. Closing Costs Total funds needed to purchase Down Payment
  59. 59. If Down Payment = 3% And Closing Cost = 6% The Total funds needed to purchase is 9% of the sales price of the home. Or 9,000 for every 100,000 in the sales price of the home
  60. 60. Example 1: For a $100,000 house. I need… 100,000 100,000 3,000 X 3% X 6% + 6,000 3,000 6,000 9,000 Closing Cost Down Payment Total funds needed Total settlement cost =$109,000
  61. 61. Example 2: For a $200,000 house. I need… 200,000 X 9% 18,000 Total settlement cost = $218,000
  62. 62. Presented by Trevor Otts www.havenrealtycenters.com
  63. 63. 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!
  64. 64. Program #1: The buyer assistance program Program #2: The rent to own program Program #3: The credit intervention program
  65. 65. for clients with OK to great credit, but low on cash to invest into the home purchase transaction.
  66. 66. SAP– Seller Federal Housing Administration ADDI, HPAP, CDA Assistance Program Seller contribute the Non profit necessary agency that funds on Requires Purchaser can Requires behalf of the approximately receive funds provides Not a credit participation purchaser a 3% down from 3rd down based loan. by the Buyer thus allowing payment party payment and Seller. the purchaser agencies. assistance to home buyers. to own their home for little to no money out of pocket.
  67. 67. For clients with damaged credit and some funds saved for investing into the transaction. (Usually one percent of home purchase price).
  68. 68. Clients in this program agree to rent a home for a period of 1 to 3 years. During that period of time the customer agrees to work earnestly on repairing credit issues. Afterwards client will be able to acquire a loan and take ownership of the home. There are rent to own programs in Prince George’s County, Montgomery County, Baltimore, Charles County and Washington D.C. These homes are sponsored by participating realtors and sellers. They are considered on a case by case basis and include factors such as a client’s credit score, income and financial savings. Clients in the Rent To Own Program must me enrolled in a credit intervention company. The client may choose their own credit intervention company. The cost for credit intervention is the clients responsibility.
  69. 69. Client will not be able to Client must look at have saved homes until the equivalent steps 1 thru 3 Client must of first and are complete seek last months professional rent help with their Low credit credit. The High client must pay commitment for this service
  70. 70. For clients who lack the necessary credit and funds necessary to purchase a home.
  71. 71. DIY (Do It Yourself) Intermediate Aggressive Credit Credit Intervention Credit Intervention Intervention • Provide you with the • A low cost solution to • For those who want necessary literature to credit restoration. A immediate results. This dispute and repair your specialist charges a is an attorney driven credit. monthly fee between credit restoration. 35 and 75 dollars depending on the severity of the case.
  72. 72. Presented by Trevor Otts www.havenrealtycenters.com
  73. 73. Client must turn in pages 2, 3, 4 and 13 at the front. To enrollment fee is $65 for individuals and $85 for couples.
  74. 74. Presented by Trevor Otts www.havenrealtycenters.com
  75. 75. ALWAYS FOLLOW YOUR DREAMS. Presented by Trevor Otts www.betterlifebettercredit.com

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