“In less than a month, you’ve helped us find grants and funding we didn’t even as cognize were available. Thanks to you we're on our way to closing on our 1st home with an low-cost mortgage. Better of all we were able to support our down payment & closing cost savings in the bank for emergencies.”   –- Jocelyn & Peter Samuel

 

I surely was - until I ready-made a discovery that changed everything.

 

Here’s my story…

 

Several years ago, my married woman and I were living in a small one sleeping room flat in New Dynasty paying rent every month. Not just any rent, I’m talking $1,100 per month for a one sleeping room flat (crazy but true).

 

We had been living there for just about 3 years and the flat seemed to get smaller and smaller each year. Our living room was becoming a storage closet.

 

We were even as embarrassed to entertain institution in this disaster zone we called home. Trust me, that's no way to live.

 

To do matters worse, we were expecting our 1st child.

 

Don't get me wrong, our girl was a great blessing, but the problem was we had no space in our small apartment.

 

Plus, it was becoming progressively frustrating barrage out $1,100 a month with nothing to show for it but an overcrowded flat and several rent receipts.

 

We knew that paying $1,100 in rent is equivalent to paying $396,000 over 30 years.

 

 

We urgently wanted to buy a house...

 

However, at the time we thought we were at least 4 years away from accomplishing our goal. Though we several had decent jobs, we patterned that we would-be need at least $50,000 up front for the down payment and closing costs.  This was especially true considering that in the town wherever we wanted live, it was hard to find a decent home for less than $300,000 and the closing cost averaged 4%.

 

If we were to go with a traditional mortgage loan, we would-be have had to put down $30k to $40k on the home with closing cost of just about $15k.

 

Needless to say, it was going to take a long time for a young couple just starting out to save up this amount.

 

On top of that, the housing market was booming and prices were increasing by 10% each year. By the time we saved up enough cash, we would-be be purchasing the same home for just about $140,000 more.

 

There had to be a better way…

 

Motivated by our own frustration, we stumbled upon a life ever-changing chance which enabled us to accomplish our dream of homeownership that same year.

 

We were able to buy our 1st home with:

• No money down (100% loan to s)

• No closing cost

• No Private Mortgage Insurance (PMI)

• No points or application fees

• No creative funding tricks, interest only loans, or marketer funding

• An interest rate 1% below the market rate

It may sound too nice to be true, but the fact is we got the keys to our beautiful new home after disbursement only $485 out of our pocket.

 

 

More importantly, I’m going to show you exactly how we did it so that you can besides accomplish the dream of home ownership piece keeping your money in the bank...

 

Ron, I have worked in the mortgage business for several years and have in person bought and oversubscribed four homes. Even as with my background, I knowing several things from your book that I did not know. 1st time home buyers will, no doubt, benefit from reading your book.   -- Linda C. http://www.mortgageproducts.org/home.html

 

How Did We Do It?

 

What most folk don’t cognize is there are virtually billions of dollars in funds for 1st time homebuyers waiting to be claimed from non profit organizations, government agencies, local foundations, etc.

 

Times have changed since your parents bought their home.  You no longer need to fork over your life savings in order to buy a house.

 

There are hundreds of little acknowledged programs in the U.S. that give out free grants, direct payments, discount rate loans and another special funding arrangements to home buyers.

 

Dear Ron,   Several years ago, I was a 1st time home buyer. I sure will I had see your book first. Acquiring my 1st home was a nightmare. The calculable closing cost weren't even as close, I had problems closing - because the FHA required repairs first.   I got stuck doing galore of the repairs in advance, even as although I hadn't even as closed on the home yet! In just a few minutes on your resource directory I found several grants that would-be have been accessible to me, if I had cognize just about them. The information you furnish is right on target.   -- Australopithecus afarensis Vieira http://syrs.com

 

Why Haven't You Detected of These Programs?

• Simply because the non profit, government, and private organizations that offer these funds do not advertise. They don't have large marketing budgets. Rather, their money goes to you - the homebuyer.

• Many of the programs were created in the last 5 years or so due to ever-changing laws for mortgage funding and housing.

You probably have detected the 'jokers' online who talk just about having the "magical private secret sources" for acquiring free money from the government and private organizations. The truth is, most of these folk have ne'er received a dime of this money. Shouldn't you trust person who has actually done it?

 

You’ll discover from my experience and cognize exactly what to do to get these funds and come into your new home inside months.

 

I’ve done months of research to find every red cent that’s accessible to you across the country.

 

I've put together all the information you'll need in the instructions "Free Money For 1st Time Home Buyers."

 

Of all the real estate investment ebooks, this is the clearest, most realistic one I've read. There are galore ebooks particularization how to save on home buying, but be assured, this is the only one worth reading and worth more much than its cost tag! Great work, Ron, a valuable, cut-to-the-chase report that all home buyers should read.   -- Microphone Beatham BeathamSales.com

 

No matter your age or financial gain level, I’ll show you step by step how to:

• Buy your 1st home with less than $500 out of pocket. Don’t spend all of your savings. Cash is king – avoid proceeding by keeping your money in the bank for emergencies such as temporary job loss.

• Get up to $50,000 in free grant money for your down payment and closing costs. There are thousands of assistance programs for homebuyers. I’ve done months of research so you don’t have to.

• Get up to $25,000 in grant money to rehab or remodel your home. You don’t have to take out a second mortgage, I’ll show you wherever to get a grant to pay for your project.

• Get the better mortgage deal in the country. Did you cognize a 1% interest rate reduction will save you $64,156 on a $300,000 conventional 30 year mortgage? Special discount rates are accessible no matter what your credit score.

• Avoid predatory loaning abuses and finance your mortgage loan at lower rates no matter what your credit score is. If you are paying thing close to 10% interest on your mortgage in the US, you are acquiring ripped off and need to finance immediately.

• Get free credit counseling and fiscal advice. A dollar saved is a dollar earned. Learn how professionals manage their money and improve their credit.

• Fully understand how more “house” you can afford. Overextending yourself with a high mortgage payment is a major cause of foreclosure. Don’t start searching for a home without learning this simple formula.

• Effectively negociate the cost you pay for your house. Discover a negotiation technique that the pros use. This strategy can save you thousands of dollars in just one conversation.

• Avoid acquiring ripped off by sellers, agents, and loan sharks. Discover from my experiences and become an educated homebuyer.

• Achieve the dream of home ownership and begin building equity sooner rather than later. Why wait years to buy a home once you can get it done this year.

• All this and more much more!

Listen, if you're sick of throwing away money on rent, I can help you.

 

Even if you're single, it's always better to own than rent. If you're not available for a home - buy a condo, co-op, or townhouse. I'll show you wherever to get free money to do it happen.

 

Ron, I want to say 'Thanks' for such a helpful guide. I have taken your proposal to build my savings history according to your formula, and have started viewing properties to get a feel for the market. It is a great relief to cognize I can purchase my new home without waiting until I can save up a immense down payment. Your directory is invaluable! I had no idea so galore programs existed for 1st time buyers.   -- Marsha Tampa, FL

 

The bottom line is this…

 

There is free money out there waiting for you to claim it. If you're not taking advantage of this, you're missing a great opportunity.

 

I’ve done the research for you and I’ll show you how and wherever to get these funds. Take the proposal of person who has already done it. You can be a homeowner sooner rather than later. You’ll save time and money with “Free Money for 1st Time Home Buyers.”

 

"My married woman and I were blown away by how informative this ebook was. The sections on creating a budget and negotiating tips were especially useful. Well structured and easy to understand -- this ebook is a must-read for anyone looking to buy their 1st home. That dream home may be inside your reach after all!"   -- D. Alfaro www.liveblissfully.com

 

Ok, how more would-be you be willing to spend to discover how to save tens of thousands of dollars and accomplish the dream of home ownership sooner than you ever expected?

 

I was tempted to charge $200 or more for the months of research I’ve done and the personal experiences I share in this guide.

 

However, I don’t want to exclude hard working folk who may not have a lot of extra money to spend. I wanted to do the cost so low that practically anyone who is serious just about purchasing a home would-be be able to easily afford it.

 

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...If you think that you can't afford a new home, think again.  No money down, no closing cost and or no credit, you just can't beat that.  Buy this instructions now, then go out and buy your dream home...   Duane Home http://www.1st-info.com/emergency-cash/index.html

 

Let me show you how I achieved the dream of homeownership with only $485 out of pocket. For a small investment like this, isn't it better to cognize than to let this chance pass you by?

 

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