
	Home Buyer Newsletter Prepared for $full_name		Courtesy of: $client_name $company_name $company_phone $website

	The Complete Guide to Buying a Home Buying a home is a major investment. I have the tools to help you make a wise investment.

Congratulations! You have made the decision to purchase a home, be it your first home or a new home. While this may be a daunting task for many individuals, with the right knowledge you will not make the mistakes that many home buyers make. Even if you have already purchased a home, you can still benefit from these newsletters, and perhaps not make the same mistakes over. My goal is to educate you in all aspects of purchasing a home so you can make the best decision on your purchase. To do this, over the next month and a half, you will be receiving an email from me every three days or so. In each article I send you, I will be covering a new topic related to buying a home. I hope that you stay on my list during this time. I will never give your email address to anyone else, as I respect your privacy. The first thing I would like to do is to send you a free guide titled "The Complete Guide to Buying a Home". This is a 78 page PDF book that will help educate you on the various aspects of buying a home. Here are the main topics that are covered: Homeownership: Are You ready? Hurdles to Becoming a Homeowner Understanding Credit Finding the Home that is Right for Your Family Financing Your Home Federal Laws Protecting Consumers This guide will help educate you on the various aspects of buying a home. First Time Home Buyer Seminar on CD I also have a 48 slide PowerPoint presentation that I want to give you that will help you understand the process of buying a home. The 48 slides cover the following topics on the next column. Even if you are not a first time home buyer, you may find some interesting topics in this presentation.	Here is what is covered in the presentation: Why Buy A Home? Renting Vs. Buying A Home How to Afford the Higher Payment Withholding Example Are You Ready To Buy? How Much Home Can You Afford? Why be Pre-Approved? Types of Loan Approvals Full Doc Approval Documents Stated Income Guidelines Types of Loan Programs Which Mortgage is Right For You? Fixed Rate Mortgage Adjustable Rate Mortgage Option ARM 2/1 Rate Buy down Bi-Weekly Mortgage 15 Factors that Affect Your Interest Rate 100% Financing & PMI Creative Financing Credit Scoring Overview The Three Credit Bureaus Components of a Credit Score How Your Score is Used Getting A Mortgage With No Credit How To Establish Credit How to Improve Your Credit Score Credit Repair Services Working With Your Realtor Your Realtor as a Buyer's Agent Where Do You Want to Live? House Considerations Home Evaluation Process Determining How Much to Offer Making an Offer to Purchase When the Offer is Accepted Inspections and Tests You Need Home Inspection Benefits Home Warranty Programs Property Appraisal Understanding Closing Costs Settlement Day	I would like to give you a copy of this presentation. It comes complete with a free PowerPoint viewer. Just call my office and I can send this out to you, or you can stop over and pick up your copy. If you have any questions about buying a home, or are ready to get yourself pre-qualified, be sure to call me at the number listed below. Over the next 45 days, you will be receiving 152 emails from me, each one about 3 days apart. In each email, I will discuss a particular aspect of buying a home. Here are the topics I will cover: l Here Are 10 Reasons to Buy a Home. l How do You Come Up With A Down Payment for A Home? l Learn How to Negotiate the Best Price on Your Home. l Understand Your Rights as a Consumer When Buying a Home l Finding a Community You Will Like. l Do You Understand Negative Amortization Mortgages? l Ways to Improve Your Credit Score. l How Your Credit Score Affects Your Mortgage. l 15 Factors that Influence Your Mortgage Interest Rate. l What Does the APR on Your Mortgage Mean? l Understand Your Closing Costs l Appraisals, Inspections & Tests You Need l What NOT to do Before Buying a Home l How to Buy a Home With Resale Value. l What to Look for in a Home. I hope that you find these articles worthwhile. If you know of anyone else who is looking to buy a home, please have them contact me so I can get them this same information.		About My Services I would like to help you with the task of buying a home. To do this, I am able to do the following for you: Evaluate your credit and rental payment history Advise you on the various types of mortgage programs Resolve any issues on your credit report that can affect your mortgage. Determine the largest mortgage for which you qualify Make sure you have all the required loan documents Provide you with a Good Faith Estimate of closing costs Keep you informed as to changes in mortgage interest rates Determine any seller assist that you may ask from a property seller Co-ordinate all aspects of settlement or escrow, including title search, appraisal, paperwork and other services At $company_name, we offer mortgages for most buyers, including ones who are self-employed or who have damaged credit. We have lenders who offer 100% financing meaning no down payment for qualified buyers. We also offer mortgages with start rates as low as 1%, making it easier to get into your home. If you have any questions about how I can help you purchase your home, please call me at $company_phone.