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08/12/05re: ISO: Homeowner Education Programs #

Lindsey Krysan


I do not personally know of any good Home Buyer Ed courses in that area of the country, but I can point out a FABULOUS First Time Home Buyer seminar in the Minneapolis / St. Paul Metro, hosted by Charter Funding. Here is a link to the site that details the seminars:

http://charterfundingmn.com/events.html

Thanks!

> Deidra White wrote:
> I am seeking education programs for new homeowners in the DC, MD and VA area. The kind that you go to when you are a first time buyer and you are looking for like assistance with closing costs or quaranteed loans through a certain program...etc.
>
>Can anyone point me in the right direction?

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07/28/05re: ISO: Homeowner Education Programs #

Gary Mialocq, Ph.D.


Dear Deidra,

I have an ebook that may be helpful to you. You can download it free at:

http://www.buymyebook.com/buy/authorinfo.asp?id=971X1174Y12

Good luck.

Gary




> Deidra White wrote:
> I am seeking education programs for new homeowners in the DC, MD and VA area. The kind that you go to when you are a first time buyer and you are looking for like assistance with closing costs or quaranteed loans through a certain program...etc.
>
>Can anyone point me in the right direction?

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05/11/05re: Insurance and Pre-Approvals #

Angelo Cerase


> josh boege wrote:
> As far as insurance goes the best policy you can pick up will have Guaranteed Coverage. It will cover the cost to rebuild no matter the dollar amount. So if you your $100,000 house burns and costs $150,000 to rebuild you would be on the hook for anywhere from $35-50k. With guaranteed coverage it wouldn't matter if it costs $500,000 to rebuild, you are covered.



Wouldn't a Guaranteed Coverage be more expensive than a coverage of a set dollar amount, since the insurance company has to factor in some 'extra' coverage just in case the cost to rebuild it higher than they thought?

Can someone provide a quote for a $200,000 fire insurance coverage, and a Guaranteed Coverage for a home that would cost approx. $150,000 to rebuild?

As well, with a guaranteed coverage, would you not have to deal with the general BS that Property & Casualty Insurance companies (ie car insurance) are known for? Such as debating what quality materials are to be used, etc etc? I mean, if your house just burnt down, is that the time to be arguing over every little thing with your insurance company?

Is there an agent that has had some claim experience with both types of coverage, and that can shed some light on this?



Angelo

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05/10/05Insurance and Pre-Approvals #

josh boege


As far as insurance goes the best policy you can pick up will have Guaranteed Coverage. It will cover the cost to rebuild no matter the dollar amount. So if you your $100,000 house burns and costs $150,000 to rebuild you would be on the hook for anywhere from $35-50k. With guaranteed coverage it wouldn't matter if it costs $500,000 to rebuild, you are covered.

As far as a pre-approval, all it really means is that if you the borrower haven't lied on your application, the lender will be able to lock a loan for you on the terms you happen to qualify for. For instance you can't claim to make $100,000 per year and then when you submit paystubs and w2's you only show $30,000 expect for your lock to be valid. Before you make an offer get pre-approved and do it through a lender, bank, or mortgage broker not through a real estate agent. The simple fact is that realtors know houses-mortgage brokers, banks, and lenders know financing. Once you have been pre-approved and been truthful in obtaining it, take it to a realtor and find a new house to make an offer on. Once you have the offer made get all documents to your financing source, obtain insurance, and have the property inspected and appraised so you know it is worth what you are paying.

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03/27/05re: ISO: Homeowner Education Programs #

LaKeshia Grant


Go to www.hbrcenter.com! They have programs and tips. It's also free!

Keshia

> Deidra White wrote:
> I am seeking education programs for new homeowners in the DC, MD and VA area. The kind that you go to when you are a first time buyer and you are looking for like assistance with closing costs or quaranteed loans through a certain program...etc.
>
>Can anyone point me in the right direction?

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03/23/05ISO: Homeowner Education Programs #

Deidra White


I am seeking education programs for new homeowners in the DC, MD and VA area. The kind that you go to when you are a first time buyer and you are looking for like assistance with closing costs or quaranteed loans through a certain program...etc.

Can anyone point me in the right direction?

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02/16/05re: Insurance Costs #

Michael Keong


Jensen ,

Probably you have been misinformed.When a property(house) is being insured, it is insured on the replacement cost of the house and not on the land.The land cannot be destroyed.
Similarly , land can only appreciate in value but a house is depreciated over time.

Maybe in CA because it is in the San Andreas Fault, properties are subjected to be destroyed including land assuming that the land the house sits on a hilly slope could be flattened in the event of a major earthquake.

Otherwise, I think it is wrong for an agent to quote you on the whole property (including land).

Hope this helps.

Michael.

> Jensen Wong wrote:
> Hi everyone.
>
>I'm pretty new to Ryze, and I don't know if this topic has been covered yet. Probably has, but what the heck. Dealing with homeowners insurance is not that hard, but the thing to remember when you get quotes is to get enough insurance to rebuilt the house. Most agents will insurance the entire value of the home, which is crazy in CA because of real estate values. A 1/2 million dollar home can realistically be insured for about $200,000 because that's about what it would cost to rebuilt it if something happened to the house. When you talk about affordability, this is one place where you can help cut down the costs.
>
>Any comments
>
>Jensen Wong
>Farmers Insurance
>California
>
>
>P.S. For those of you in CA, especially the Bay Area, feel free to contact me to talk more.
>1-408-394-5030

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02/14/05Insurance Costs #

Jensen Wong


Hi everyone.

I'm pretty new to Ryze, and I don't know if this topic has been covered yet. Probably has, but what the heck. Dealing with homeowners insurance is not that hard, but the thing to remember when you get quotes is to get enough insurance to rebuilt the house. Most agents will insurance the entire value of the home, which is crazy in CA because of real estate values. A 1/2 million dollar home can realistically be insured for about $200,000 because that's about what it would cost to rebuilt it if something happened to the house. When you talk about affordability, this is one place where you can help cut down the costs.

Any comments

Jensen Wong
Farmers Insurance
California


P.S. For those of you in CA, especially the Bay Area, feel free to contact me to talk more.
1-408-394-5030

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01/05/05DC Home Buyers Meetup #

LaKeshia Grant


Hi, my name is LaKeshia Grant and I'm the organizer for the DC Home Buyers Meetup. Our meetup is held every fourth Satuday of the month and we discuss anything related to the home buying process! Our next meeting is scheduled for January 22nd! At the meeting, we are going to create an agenda for the monthly meetings and determine the topics for the year. Additionally, local home buying resources will be distributed to all attendees. Please recruit others to the event. There is nothing better than sharing information with others! REMEMBER...IT'S ALL FREE!

RSVP at:

http://www.meetup.com/r/inbound/0/0/sharetxt/http://homebuyer.meetup.com/8/?a=sharetxt

ALSO,

As a bonus, if you select the link below, you can receive $25 gift certificates to this restaurant for $10! Go to:
http://www.jdoqocy.com/click-1382106-5674461

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12/22/04GREETINGS during this festive season, #

Patricia Pareja-Pedraza


Home owners,

May you be showered with love, health, peace, joy and happiness dufing this season and throughout the coming year.

To YOUR success,

P3

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11/30/04Pre-Qualification vs Pre-Approval #

Angelo Cerase


Hi Linda and everyone,

To the best of my knowledge, if a person is interested in buying a home, he/she should get pre-approval of a mortgage, rather than just being pre-qualified.

(Please correct me if I am confusing the two)

To the best of my knowledge, pre-qualification is a short little form where the lender can say "Yeah, you will most likely be approved with this info".

Whereas pre-approval involves everything from the lender checking your credit rating to 'holding' an interest rate for 90 or 120 days. (Are the rules in the US similar to those?)

With a pre-approval you know for sure that you will get a mortgage for a specific interest rate when the time comes to buy your home. With pre-qualification, the lender may find some negative thing on your credit rating, or the interest rates may have increased by that time, etc etc.

However, they do sound the same and I'm sure there are a lot of lenders that just do the pre-qualification since it's a lot easier.


Angelo



> Linda Scott wrote:
> There can be stress free home buying, the moving should be the hard part. Take Advantage of Loan Pre-Qualification

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11/16/04Buying A Home Made Easy! #

Linda Scott


There can be stress free home buying, the moving should be the hard part. Take Advantage of Loan Pre-Qualification

The Advantages

Know how much house you can afford.
Know how much cash you will need for the down payment.
Simplifies pre-approval.

A number of factors determine the price range of homes you'll want to preview - one of these factors is loan pre-qualification.

Your agent,will help you pre-qualify. Items considered when pre-qualifying for a mortgage loan include:

Employment History How long on the Job?

Credit History and Scores
Look at yours, maybe they are all not YOU!

Monthly Income and Expenses
Do you really know what you spend a month?

With your agents knowledge of the mortgage market,
they'll help you make an informed decision as to the type of loan you'll want. There are many different types of loans to consider - FHA, VA, Conventional and even Bad Credit Loans. A REALTOR can find the best loan for your situation. Ask For they're help.

LindaTX





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11/16/04re: Presentation to first time homebuyers (follow-up) #

Linda Scott


Hi Baback,
I just love First-Time Homebuyers, you are truly changing their lives from now on with your help, so feel excited, they want to know how much you care about helping them, not how good you are at what you do, but what you can do for them. They are scared! Make them feel at ease. Let them know the benefits you can give them.

I will . . .
Commit my time and energy to finding you the right home.

Provide detailed listing information not always available to the general public.

Negotiate the deal to save you money.

Guide you through the avalanche of paperwork.

Your decision to buy a home is both a sound financial decision and a commendable achievement.
As your real estate agent...

I will lead you through every single step of the exciting home buying process.

I will help you define your "wish list" of features you want in your home, your neighborhood and your ideal school district. I will get to know what you do not want as well,
that will help me to better help you find the right home.

I will walk you through the mind-boggling financial details associated with buying a home, including the various mortgages and home buying programs available to you.

I will monitor all new listings and alert you to new houses as soon as they are put on the market.

I will eliminate the stress involved with buying a home by putting my years of real estate experience to work for you.
Finding the perfect home is my business. Contact me today!
My Home Buyer Checklist on my website, might also help your new buyers, feel free to copy it or any info that might help you. Remember its not what you say, so much as how you feel about what your saying that makes a real difference in your clients feelings for you. If you learn to listen more, talk less, your client will tell you how they want to be sold. Hope this helps.
Best Of Success,
http://www.SOLDByLindaScott.com




> Baback Panah wrote:
> Hello, friends:
>
>I want to thank all network members that took the time to respond to my Question regarding the first time homebuyers presentation. I also want to thank Alan for encouraging more members to provide additional information.
>
>The suggestions that I have received so far, either from the messages posted on this page, or through private messages, have been very helpful.
>
>The presentation is being organized by a financial advisor and includes a Real estate attorney, a real estate broker, and myself. It is scheduled for late October; I will keep everyone informed.
>
>Baback
>

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10/03/04moving? free teleseminar #

Cathy Goodwin


I'm offering a free teleseminar :
"I'm here -- the job is there. Now what?"
Oct 13 evening -- dial in from anywhere on the planet.
Please feel free to share this info with clients and friends. Details and registration:
http://www.cathygoodwin.com/classes.html

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09/12/04something about PMI #

Dean Chen


PMI should only be needed for down payment of
less than 20%.

Dean

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08/16/04Presentation to first time homebuyers (follow-up) #

Baback Panah


Hello, friends:

I want to thank all network members that took the time to respond to my Question regarding the first time homebuyers presentation. I also want to thank Alan for encouraging more members to provide additional information.

The suggestions that I have received so far, either from the messages posted on this page, or through private messages, have been very helpful.

The presentation is being organized by a financial advisor and includes a Real estate attorney, a real estate broker, and myself. It is scheduled for late October; I will keep everyone informed.

Baback

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08/15/04Introduction #

Isidro Alvarez


Good day all! I am relatively new to ryze and thought I would introduce myself to this group. I am a fully bilingual: Sapnish/English Loan Officer and I work with all kinds of borrwers from Sub-Prime to A-Paper.

I am looking forward to helping our business grow.

I hope you are having a great year.

Best regards,
Isidro

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08/15/04re: Presentation to first time homebuyers #

Teddy Towncrier


Baback.

Congrats on being invited to participate in this seminar.

You have 2 choices.

A. Do your usual "Charm the birds from the trees" talk, leave them thirsting for more and hope they call you.

B. Do the same job but offer a complimentary report which is only available mail or email.

Your report will be constructed so they'll get the impression they would have to be insane to even consider doing business with anyone other than you.

As a special gesture to the organizers you may wish to have links to their site on your post subscription "Thank You!" page. (As long as said sites don't contain links to competitors).

Ideally; The other participants should be offering similar reports and including your report offer (Not your site URL). on their "Thank You!" pages.

You'll now be picking up prospects from these 3-4 other sources.

Toss in automated follow-up and a bit of viral marketing and you can keep this single presentation producing for years.

People forget. Your new list you'll enable you to stay in touch building trust and confidence.

Some attendees may be wanting to buy next week while others may be just starting to look around and you do want to "Be there". when they are ready. Don't you?

Trust you find a kernel here, for you.


Best to all.

Teddy.

P.S. These prospect lists are so important; The local office of a national financial institution buys half hour "Phone in/informercial" slots whose sole function appears to be list building.





> Baback Panah wrote:
> Hello:
>
>I was asked to give a presentation to fist time homebuyers, I would appreciate any suggestions as to what I should include in this 10 minute presentation.
>
>Kind regards
>
>

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08/14/04re: Presentation to first time homebuyers #

Aleem Khan


Dear Baback,

Usually, the first question in a First time home-buyers mind is, Can I buy a house?. The real question they are trying to ask themselves is, Am I able to afford the mortgage payments of a one, two, or three bedroom house?

Having said that, my suggestion is to focus on some examples and illustrations of income / purchase price / carrying cost of the mortgage (including mtg pmt, taxes, condo fees, utilities) to show a buyer the TRUE picture, not just the mtg payment.

Just explaining and having a discussion on this topic could easily go for half hour or more.

One Focused topic should be more than enough.

...just my two cents.

Best Regards,

Aleem Khan

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08/14/04What....no other words of wisdom? #

Allan Todd - Realtor


Dear Friends,

Baback Panah has asked for assistance and the only response I have seen is one from Angelo Cerase.

I know you are all waiting for someone to start the ball rolling, so consider it done!

I have already sent Baback a private message allowing him to use whatever materials he finds suitable on my website. I have also asked him to let me know if he required additional information.

Many of you have information that could prove invaluable to Baback. I invite you now to share that information with Baback and the network.

Thanks.

Allan

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