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hi you click on this video that you’re likely to be in an important position
0:04where ask yourself the question
0:06should you own a homer should your at well you think it being a real to that i
0:10would tell everybody that buys everybody to own a home
0:13to live the American dream but that’s simply not the case
0:16my job is to educate my buyers and help people make informed decisions I’ll
0:21there’s a few factors I like the layout for you now some TV images are renting
0:25our
0:26number one it to fix cost purses owning a home which is a variable costs when
0:31there’s maintenance and upkeep that for the most part never ends
0:34also when you rent you typically don’t spend big money and major renovations
0:39when you own a home the typical homeowner’s minded always considering
0:43ways to make the home better
0:44see a save a lot of money there low down payment you know getting into a typical
0:49renting scenario
0:50requires only a security deposit first and last month rent now
0:54but owning a home are requires greater downpayment caustic cetera
0:58to get into the whole are so it’s cheaper actually give into renting
1:02scenarios versus obviously owning a home now
1:05also you have to look at flexibility when circumstances in someone’s life
1:09changes
1:10okay financial situations job losses divorces acceptor a
1:14renters in a memo position that will not devastate their credit aborting things
1:19like foreclosures and short and short sales persons owning a home
1:22which is not nearly as nimble you can cost one funny a jewish
1:26issues are the law if their financial circumstances do in fact change
1:30and sometimes those things last for many years they also have to look at
1:34transactional costs
1:36when renting they’re not with owning a home yet typically six percent cost sell
1:41and move on to another scenario
1:43now these are some other compelling reasons that people do rent homes
1:47and right thing sometimes as a wise choice for some people
1:50yet most people that advise people to read homes typically on homes themselves
1:55and the question is why well I believe me into that is typically
1:59it because people want a certain quality of life they want to raise our families
2:03and have children
2:04I’m not get a call from the landlord says you know what it’s time to leave we
2:08decided we want to list the house
2:10or
2:10have to move back into the house and you have to go to your kids and say kids we
2:14have to pack up and move
2:15smart people also use holmes is a tremendous financial vehicle
2:20thought were they’re able to build Aquitaine use tools like home equity
2:24lines of credit
2:25as investment also how to make more money the main questions that you should
2:29be answering yes to win considering buying a home
2:32are the following: number one is your income secure
2:36you have a steady job or if you own a business you have a steady residual
2:40income stream common n
2:41number two you plan on living there least five years because typically takes
2:46four years
2:47are to break even when you factor in mortgage closing costs and the
2:51amortization schedule a mortgage
2:53which is the percentage you pay each month and principal in interest
2:57you’ll notice that a ball to what you’re paying in the first five years
3:00is simply interest now there is also great tax deduction
3:04are if you’re into a home ownership situation that you don’t have the
3:08the advantage of having when you rent now number three is
3:12you have enough money saved for a down payment and closing costs
3:15now there’s incredible mortgage products out there today
3:19will give you access to very low down payment mortgages
3:22even no down payment mortgages like VA and USDA
3:26have also included links below you want to learn more about low end and no down
3:30payment mortgages
3:31they’re fantastic product but regardless you shouldn’t coast in and fumes in your
3:36new home
3:37it’s always wise an important to have reserves would owning
3:40Hall all that being said owning a home provides people with
3:45’em incredible gratification with grounding
3:48with pride in family stability and where mortgage rates are today can be
3:53incredible opportunity for you as well
3:55if you really wanna win with the homeownership then you really need a
3:59to purchase a home with instant equity now most people don’t have the
4:03discipline to shop around to really find those kinda scenarios because
4:07the reality is most homes were you actually when you close on their home in
4:10new evidence the Napoli
4:12are typically not very desirable homes are fixer uppers
4:15already pleaded own a home the you really wanted that was nice in a game
4:19%um
4:20media that way those are some other things that they don’t want to bring it
4:23to you right now probably the most important decision you can make
4:26if you want to own a home is choosing the right
4:30real estate agent somebody that understands the market somebody that can
4:34help you make me financially sound purchase
4:36one that will put you ahead of the game financially versus behind the eight ball
4:40and the reality is that they’re so many realtors out there that are
4:43simply not focused and anyone’s me but the wrong now you never consider
4:48defending yourself in the courtroom with just any attorney
4:51we never consider just bring your card any mechanic owning a home
4:55is the biggest decision that most people ever make financially
4:59in it pays humongous dividends to work with something that’s truly qualified to
5:04help you
5:05help this video’s help shed some light to provide you the little bit more clear
5:09you consider home ownership
5:11and for watching this video I’m gonna send you my video i lo in no down
5:15payment mortgages which would be very helpful Tia
5:17haha to understand interest rate also to help you make better job
5:21are better educated decisions have become a better shopper when you look at
5:24mortgage interest rates
5:26how to break down the fee so you can get the best interest rate possible
5:29is well as I’ll give you instant access to my home shoppers co-op
5:34row will send you great deals on foreclosed properties
5:37in advance notice listings all get it get it to market which will give you an
5:41opportunity
5:42view properties head to the masses simply put your name email address on
5:47this page
5:48your are metallurgy receive this great information any party that special club
5:52if I can help in any way please don’t hesitate to call me my information blow
5:57link to my website in my social media is also there police follow me
6:01call me or anything I can do to help your I’m here thank you very much
6:04have a great day