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| What can you do when you have used up your low rate buy-down?? I doubt you will reach the top end rate of 7% anytime in the two or three years of your buy-down! Why? Because there is one thing we all know about interest rates. They go up and they come down. Usually interest rates change every year and we are certain over a period of two or three years, you can count on rate reducing the loan free with no qualifying. Even if rates remained steady or moved higher, we can arrange to buy down your rate to a lower rate with no cash up front cost. Are you in pre-foreclosure? It’s impossible to refinance your loan and keep your house when you are seriously delinquent. Don’t let investors or Realtors tell you they can arrange a new loan. It just won’t happen, but you’ve got to realize, your home has increased in value dramatically, even if you have owned your home for only two or three years. You will have a huge equity. Even if you cannot refinance, you can sell your home, pay-off your delinquency and eliminate foreclosure. You save your credit and you walk away with cash; a sizeable amount of cash. There are two ways to sell your home: (1) Our contractors can analyze the refurbishing we should do to bring your house into excellent condition! Remember this work will cost you almost nothing. We will list the home and charge you a 6% commission, plus a 3% construction administration fee, a total of 9%. You preserve over ½ of your equity by allowing us to make your home very desirable to the buying public. As you know, most resale homes show wear and tear. We eliminate the worn-out look for no real cost. You pay the normal sales commission and sell the home quickly. (2) Or, you can sell your home immediately for cash. Funding available in 3 days!! - But most investors will require a significant discount because of the cost to refurbish your home. The investor, speculator must pay this cost. Why! He is not a Mortgage Banker that has access to the FHA construction program. This is a program that allows the lender to divert the cost of construction to the new buyer. The lender does not have to come up with the money to pay for the remodeling. Of course this allows the lender to pay more for your home. The normal speculator (wholesaler) is at a disadvantage! The home owners that must sell their home in this market (glut) should arrange for an FHA non-supervised lender to make a cash offer. As I have already pointed out, he has the decided advantage of arranging for the cost of construction being passed on to the new buyer of the house. How much is the average cost of refurbishing the house? Every buyer has different aspirations but I would say the average new construction costs would be $25,000. This means the lender that is approved to arrange this type of financing has a $25,000 advantage over the average small investor. Call us if you have to sell!!
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