For Buyers

Will you be ready to buy

When you’re ready to buy?

We have the questions that generate the answers. Our focus is to give potential clients every opportunity to do the best they can. That’s the only way we can do the best we can. Whether buying soon or in years, it’s never too early to start thinking about it. We welcome the opportunity to participate in that thinking. We know we can help create value and ensure your success.

There’s never a commitment, and the early advice is free!

It’s never too early to start getting ready!

• A simple restructuring of your consumer debt can make it possible to spend an extra $100,000, or more, on a house without spending a penny more in monthly payments.  If you wait until you’re ready to buy, it’s too late. 

• A not so drastic improvement in your credit score can make it possible to spend an another $120,000 or more on a house without spending a penny more in monthly payments.  That’s on top of the $100,000 above.  If you wait until you’re ready to buy, it’s too late.

• Consider the income tax and cash flow effects of home ownership in what you can afford.

• Do you need to put down 20% when you’re buying a house?

• If you plan on getting family help for a down payment, consider how that affects the requirements and timing relating to qualifying for a loan.

• Consider how much you can save using normal seasonal price fluctuations in timing your purchase.

• Consider the advantages of choosing a lender that will give you thousands back at settlement to buy furniture, etc., for a slightly higher interest rate. 

• Consider the benefits of using funds from a 401(K) as part of your buying strategy.