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Homeownership Affordability

Borrowers who Finance with Graciano Perez can get up to $5,000 off their closing cost!*

HOMEBUYER’S GUIDE 2022

Homeownership is the American Dream – Not just because it has tangible financial benefits, but because it also has the power to change lives!

VETERAN SPECIAL OFFER!

You answered the call and risked your life to defend our freedom! Now It’s my turn to answer the call to say THANK YOU and help create homeownership! I'm offering a $5,000 lender credit to all borrowers who are eligible for VA Loans

PRICE CUT vs SBD

Hey, These higher interest rates will impact buyers' qualifications if you have not noticed. The higher rates are also beginning the "price drops " trend, which sellers use to help attract affordable housing for buyers. But, most sellers don't know or can show the actual numbers on how that impacts buyers. This inability to show the numbers and knowledge of how dropping the rates has a more significant impact on a buyer's payment than lowering a sales price could ever have. Price vs. Rate - Did you know, and I can show you through this side-by-side comparison, how a PRICE DROP of 30k has the same benefits as a 10k SBD to a buyer's payment? So, if that is the case, then we can leave 20k on the seller's net sheet vs. taking 30k off of it to address affordability issues with buyers. Seller Buy Down - I wanted to show you how an SBD works and how both the Buyer & Seller can benefit when the SBD + is structured within a purchase transaction. ( videos below ) Marketing Your Property - Now that you understand how powerful a tool it is to reduce rate vs. price with the Seller Buy Down, then let's market your property with a custom SBD Video from me so that we can spread and help affordability to all buyers.

FHA PROPERTY CHEAT SHEET

Here is an unofficial list of common FHA requirements and issues. Hopefully this list will give Real Estate Agents, Sellers, & Buyers a better understanding of how FHA requirements affect their situation.

VA FINANCING

Everything you need to know about VA FINANCING.

PRE-APPROVAL FACTORS

Top 3 Factors for Pre-Approval.

ASSET QUALIFIER LOAN

Mortgage solution for the Non-Traditional borrower. Borrowers with Cash Reserves, but no steady income can sometimes run into challenges using a traditional mortgage loan. With the Asset Qualifier Program, they can use their assets to qualify versus the traditional income and employment qualification requirements.

BANK STATEMENT QUALIFIER LOAN

Mortgage solution for the Non-Traditional borrower. Borrowers can provide bank statements to qualify for a mortgage to document their self-employment, investment income, or tips instead of providing tax returns with the Bank Statement Qualifier product. This is a great solution for Self-Employed borrowers and Tip Industry workers.

1099 QUALIFIER LOAN

Mortgage solutions for the non-traditional borrower. Borrowers can use a 1099 to qualify for a mortgage to document their salary instead of providing tax returns with the 1099 Qualifier product. This is a great solution for Self-Employed borrowers, Contractors, or Commision Employees.

INVESTOR CASH FLOW (DSCR) LOAN

Investors can purchase a property and use the expected rent income for income qualification with the Investor Cash Flow product. No income documents needed.

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