Are you caught in the morass of
JUMBO NIGHTMARE!
List your home with The Sound Team of Keller Williams and we will make BUYERS of your home think that they have
stepped back in time!
Interest rates are lower, selling times less, willing, able and
qualified buyers abound.
AND YOU GET YOUR HOME SOLD!
Now, our Buyer Agents will take YOU back in time!
Your interest rate is lower and YOU qualify to buy YOUR dream home. You can actually qualify to buy 8-10% more home than current interest rates allow.
And you bought your dream home!
Instead of bemoaning your fates take this opportunity to make an offer which sellers NEED TO LOOK AT. Why, they may have already bought a home and can’t sell theirs in this market. Don’t you think they might look at offers? We are not here to injure anyone, but maybe you could pick up an extra 8-10% more home while actually helping someone move on in their life! Quick math says that’s 16-20% MORE HOME and it won’t cost you a penny more.
Make a sound financial decision,
as well as meeting your dream home needs.
Here is an interesting thought:
You can only make your BEST decision on the purchase of your next home at the time of purchase, which is now, TODAY!
Think about it.
Call TODAY to lock in your benefit!
1-800-846-0970
425-282-5393
Well, we have a most unique opportunity for you to decrease your closing costs by $7,500 to $15,000 and wind up with an interest around 6.75% while others are paying 8% and more on a 30 year fixed rate mortgage!
A smart decision would be to give us a call and take us up on an offer like this! In the market you are in, we are talking about making sound financial decisions more than just finding a mortgage and hoping that the loan originator knows what they are talking about.
What you really need is someone with a vast knowledge in both real estate and mortgages. Even more, why not someone who can get the job done with the least amount of uncertainty.
This site is designed to draw your attention to a point we are trying to make. Read “For a more detailed explanation click here” for details on our offer to everyone. It’s guaranteed to be interesting and thought provoking.
TODAY’S REALITY
The reality of the mortgage market today is that lenders are not interested in making JUMBO loans, that is loans greater than $417,000 to people without JUMBO incomes, credit scores, LTV’s (loan-to-value) and lower DTI (debt-to-income) ratios. And more.
To add to your difficulties, there are virtually NO SECOND mortgages available to assist with down payments! Lenders are typically looking at maximum LTV’s of 80% today. That means that a buyer has to come in with 20% down. OUCH!
But the difficulties don’t stop there. Lenders have increased the interest rate on Jumbo loans to between 8-8.5%. That is a good 1-1.5% higher than just weeks ago. That amounts to about $500 more in monthly payment on a $700,000 mortgage. Yes, rates will settle down sometime in the future. However, you or your homebuyer will have the expense of refinancing then in order to reduce monthly payments. And you know that is expensive!
How long will the market be in this turmoil? The whole sub-prime mess was created and exacerbated by the financial industry, by the mortgage industry. Rating agencies gave bogus ratings to garbage loans; investors bought mortgage-backed securities in the fallacious belief that everyone else had done their due diligence. They didn’t look adequately at their own investments. The whole group should really suffer significant loss in order that the scoundrels pay for the situation. During the transition innocents, like us will pay the price.
That being said, when will the market return to its past glory? That will be determined by when investors feel like they understand what their exposure is or will be if they buy more mortgages. How long will that take?
Home Buyers
So, if you want to buy a home, look at our DETAILED OFFER then call us,. There is no pressure, just good information. Work with us and you may not have to refinance when rates come down, because you have a great low rate!
Start with asking us for a Good Faith Estimate and check out our APR.
Visit our website to see how
easy and convenient we make your homesearch!
www.thesoundteam.com
Need to sell your Home?
Let us help you sell your home, we will represent you and effectively market your home. WE MARKET HOMES! See our sample home webpage. One of our great strengths is that we have a full time Internet marketing partner. Our database is growing daily and we currently have a couple thousand home buying prospects that we market homes to regularly. We develop a mail, advertising, open house, and signage program for your home.
We can offer buyers, who use our buyer agents, a mortgage which will save them thousands in closing costs, as outlined in Detailed Offer. Or, they can now use some of their savings to buy down the interest rate.
Plan your sale to encourage offers, which provide these benefits.
Did you know that most real estate agents write up offers where they request that the seller pay as much as 3% towards the buyers closing costs? It is not unusual at all! So, let’s price your home with that in mind. In fact we will advertise your home with a bought down interest rate of around .75% lower than they would otherwise get. We simply advertise our program www.RealtyAndamortgage.com on any printed information.
It is not our goal to train buyers to make offers that will cost you money. It is our goal to plan your contributions from day one. Typically agents add up to 3% to the selling price to cover those costs. Lenders are now saying a resounding NO to that practice. So, we price it in from the start and make can make the lower interest rate offer at the outset of our marketing campaign.
But WHY should you be concerned about your buyer?
You should be concerned because it is in your own best interest! Normally you are not looking at what’s best for the buyer. By helping your buyer realize the benefits of our knowledge and expertise you are able to truly make a difference in someone else’s life, while selling your home.
You want to sell your home into a market where there is a great turmoil. Your buyer needs all of the assistance and understanding they can get. From your point of view it is all about getting your needs met. You want your home sold for the highest price, in the shortest time with the least amount of headaches. You would actually make it easier for the buyer to be your buyer, if only you could. Well, now you can!
Let us help you by marketing to everyone’s best interest!
Our program is all about product differentiation.
WE are about MARKETING!
Think about it. Why do we offer a program so heavily discounted? Because it is a cruel, competitive world out there. A world full of randomly competent real estate agents and loan officers. A world where everyone either knows someone in the business or simply picks from the pack. How does one compete effectively in that environment?
Well, besides being good at what we do; look at everything we have to offer. What we can offer our clients is our expertise in advertising and promotion, as well as real estate and finance at a cost that can’t be beat. That’s what we do.
We have created a WIN- WIN real estate transaction for YOU!
AND, for your Buyer!
And, for US!
Call today for your FREE consultation!
Better yet….
Call TODAY to lock in your benefit!
1-800-846-0970
425-282-5393
OR EMAIL INFO@THESOUNDTEAM.COM
Restrictions apply, OAC
This offer may be withdrawn at any time prior to registration.
Savings are based on mortgage amount.
Appreciation is not guaranteed.
If your home is currently listed, this is not a solicitation.
* Our example of savings begins with a $300,000 mortgage.