Transcript No Slide Title

Buy vs. Rent Comparison*
The chart below shows a cost comparison for a renter and a homeowner over a seven year period.
• The renter starts out paying $800 per month with annual increases of 5%
• The homeowner purchases a home for $110,000 and pays a monthly mortgage of $1,000
• After 6 years, the homeowner's payment is lower than the renter's monthly payment
• With the tax savings of homeownership, the homeowner's payment is less than the
rental payment after 3 years
*Ginnie Mae Website, 2008
Years
Rent
Payment
1
800
2
Monthly
Difference
After Tax
Savings
Yearly
Difference
After Tax
Savings
1000
-200
-50
-2400
-600
840
1000
-160
-10
-1920
-120
3
882
1000
-118
+32
-1416
+384
4
926
1000
-74
+76
-888
+912
5
972
1000
-28
+122
-336
+1464
6
1021
1000
+21
+171
+252
+2052
7
1072
1000
+72
+222
+864
+2664
8 - 30
Mortgage
Payment
Savings increase every year
As Home-Buying Experts,
We Will Assist You with:
1. Finding a home that meets your needs
2. Negotiating the lowest price for you
3. Obtaining the best financing for you
4. A home-buying process that is lowhassle and fun
Our Home Buyers Advantage Program
won’t cost you a cent.
Other Agents do what
works best for them and
not you.
Do most other Agents work for you?
They choose the houses
you see instead of letting
you pick the ones you
want to see.
Do most other Agents work for you?
Show you only their
listings or a small number
of homes, hoping you buy
right away.
Do most other Agents work for you?
Try to get you to buy a
house either too quickly
or that doesn’t meet
your needs.
Do most other Agents work for you?
Ask you to make an
offer on every house
you see.
Do most other Agents work for you?
Get frustrated because
you don’t like the
homes they are
selecting.
Do most other Agents work for you?
Beg you to buy a house
since they “worked” so
hard for you.
Do most other Agents work for you?
Conversely,
Our Home Buyers Advantage Program…
Focuses on Your Needs!
First Step:
Determine what amount you are
comfortable with for buying your home.
(Home Loan Pre-Approval)
Second Step:
Update you with a regular list of homes
that meet only your criteria.
(our Specialized Home Tracking Program)
Third Step:
Find you the home you want and need
using our Experience and Expertise.
Highly-Focused Knowledge
and Experience
You benefit from
our Home Buyers
Advantage Program
many ways.
First Step:
How much house
can you comfortably
afford?
Home Loan Pre-Approval
3 Major Advantages
Three Key Advantages…
1. You know what you can
comfortably afford
2. You get financing
that works for you
3. You can make a
stronger offer
Put your best foot forward
Offer #1
Offer #2
(You with a pre-approved
Home Loan)
(Another buyer who is
NOT pre-approved)
 $ 175,000
 $ 175,000
 Cash Offer
 Conditional Upon
 No Conditions
Financing
Which Offer Would You Accept?
Getting Pre-Approved
is as Easy as 1-2-3
North Pointe Mortgage
1. Because they are a mortgage broker –
they can find the best loan that meets your needs
2. Because we have an interest in the company
we can get you a better rate and terms
3. Less hassle. Most mortgage companies are very
difficult to deal with. Since they are right here
with us, we can ensure a smooth closing!
You’re Approved!
How do Most Buyers
Look for a Home?
• Newspaper Ads
• Internet
• Driving Around
You’re Missing out On the Best Deals!
• Only 20% of all homes for sale are
advertised in print
• The best deals sell long before they
reach the internet
• That’s why you drive by and see
sold signs and never even knew it
was for sale.
What are Your
Criteria for Buying
a Home?
Multiple
Listings
Service
The MLS has information on
over 1,050 homes for
sale by ALL companies
How Most Realtors Find Houses for you:
1. They make a random search
through the MLS
2. They pick the homes they want
you to see
3. They try to sell you one of them
Do you want someone
other than you selecting
the home you’re going
to buy?
The Solution
Our One-of-a-kind
Buyers Advantage Program
gives buyers priority access
to hot new listings that
match your home buying
criteria.
Multiple
Listings
Service
You can search the MLS…
Just like Realtors do!
…YOU’RE in Control
1. Your home buying criteria is
entered into our custom
computer database
2. Every day, our custom
computer searches the MLS to
find homes that match only
your specific criteria
…YOU’RE in Control
3. We only send you the homes
that match your criteria
4. You can pick the homes you like
and drive by them
…YOU’RE in Control
5. When you see a home you want
to look at give us a call, we’ll
arrange a showing
6. NO pressure to buy
YOU’RE in Control which means…
• You get real-time delivery of hot, new listings

• You get to see houses before other buyers
and Real Estate agents
YOU’RE in Control which means…
•You pick the homes only you want to see
with no pressure from us

• You ultimately determine if you like the
home in a low-hassle environment
YOU’RE in Control which means…
•You see homes before other buyers and
agents get to see them

• You are in a better position to negotiate
the best price for you
Desperate Seller System
How to Buy a Home Up to 30% Below Market Value!
You get special access to Exclusive
lists of properties offering
incredible value
Desperate Seller System
Focus on REO/Bank owned Homes
•Homes bought back by bank at auction
•Re-sold through agents on MLS
•Usually available at deep discounts
Desperate Seller System
Distressed Sellers with Long Days on Market
• Homes that have been listed with
multiple agents
• Homes listed longer than 180 days
• Homes with multiple or large
price reductions
Desperate Seller System
Vacant Homes where Sellers are making double
payments
• Seller is making two mortgage payments
• Seller may be an absentee seller
• Usually will be more open to negotiating
Even more benefits to save you Money
• Seller-paid closing costs
• Home Warranty
• Down Payment Assistance Program
When you find the home you want we will
1. Prepare an offer that is written in
your favor
2. Present the offer to the seller’s real
estate agent
3. Negotiate all terms, conditions and
specifics to your benefit
Again, none of these
Valuable Services
Costs You a Cent.
The only thing we
seek is your
allegiance to us.
What to do when you
see a home that you
like when you’re on
your own
What to Say and Do When you Come
Across Homes on your Own
1. If you see a home you like in the paper or
while driving by, feel free to call for
information, but always tell the Realtor that
you’re working with us (this will prevent you
from being hounded by other Realtors with
questions and sales pitches)
What to Say and Do When you Come
Across Homes on your Own
2. Get the price and (if available) MLS number
and we’ll send you complete information
3. If you see a house you want to look at,
always call US for appointments
The Next Step…