REAL ESTATE HOME BUYING
Home ownership is still very much a part of the American
dream but one that mandates homework, legwork and
considerable effort on your part to ensure that
the process goes as smoothly as possible. Here's how to
make your dream a reality.
THINGS TO DO BEFORE BUYING
Strengthen your credit: Pay off credit cards, resolve any credit disputes or delinquencies, and
cancel unused cards. Your credit rating takes into account both
how you use the credit you have available and whether your available credit is too high for your
income.
Work with a good Mortgage Broker to Pre-Qualify you. CALL 786-709-6577 Vision Mortgage BaNK
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invest for an ideal retirement, invest for abundant.

Invest in multiplex properties, houses, condos, town-homes,
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Give yourself a chance to get richer?
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AT: 786-709-6577 {SOUTH FLORIDA}
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You can make nice profit with  the determination and  the help
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FORECLOSURE WORKS VERY WELL!
You decide how far you wan to go, and we will assist you.
Since you make money when you buy, and you realize the
profits when you sell, we will make sure you buy right and win
big.  
YOU NEED THE HELP OF A PROFESSIONAL WHO KNOWS
THE MARKET TO HELP YOU SUCCEED!
WELCOME TO:
KNOWLEDGE FINANCIAL.COM
The home-buying process doesn't need to be scary. Our step-by-step guide will walk you through the
process and answer your questions on what you should expect from us , where to look for loans,
and what to watch out for when closing the deal.  
THE HOME BUYING GUIDE!--------------------IMPORTANT THINGS TO KNOW BEFORE BUYING...
The home-buying process doesn't need to be scary. Our step-by-step guide will walk you through the process and answer your questions on what you should expect from us as your realtor, where to
look for loans, and what to watch out for when closing the deal.

Do You Know What You Want?
Whether you are a first-time homebuyer or entering the marketplace as a repeat buyer, you need to ask why you want to buy. Are you planning to move to a new community due to a lifestyle change or is
buying an option and not a requirement? What would you like in terms of real estate that you do not now have? Do you have a purchasing timeframe?

Whatever your answers, the more you know about the real estate marketplace, the more likely you are to effectively define your goals. As an interesting exercise, it can be worthwhile to look at the
questions above and to then discuss them in detail when meeting with us.
How do you find a house?
Some buyers like to search by looking at listings through the internet, newspapers,  magazines  on the basis of
location or price, square footage ; others prefer to have local  realtor to help them find their dream home.

CALL 786-709-6577 LICENSED PROFESSIONAL REALTOR

CHOSE A HOME
There's no doubt that choosing a home is a big decision and you want to do it right.

As a buyer, here's what actually happens. A home has been placed on the market for which the seller has
established an asking price as well as other terms. In effect, this is an offer. At this point, you have three choices:
accept the seller's offer and create a contract; reject it and not make an offer; or suggest different terms and
make a counter-offer. If you choose this last option, the seller may accept, reject or make a counter-offer.
No aspect of the home-buying process is more complex, personal or variable than bargaining between buyers
and sellers. This is the point where the value of an experienced REALTOR® like Mr. ANTONY at fortune
international realty is clearly evident because I used skills, diligence, professionalism to negotiate in behalf of
my clients.

Is it THE house?
A house is shelter, but a home is far more. It's where you live, relax, entertain friends, raise families, and work. A
home is where you spend much of your life, and so choosing a house is an enormous decision.

How do you know if a house is THE one? Probably the best approach is to look at as many homes as possible,
something made easy by Realtor.com, where you can quickly and easily view huge numbers of homes, check
prices, take video tours and view extensive neighborhood information. Once your choices have been narrowed,
you can then contact Mr. ANTONY as your realtor to find specific information and options.

Can you really afford it?

Remember Step 2 - the preapproval process? Getting preapproved means you have a very good idea of how
much you can borrow, what loan programs will most likely work best in your situation and how much home you
can afford.

How reliable is a preapproval? While preapproval is not a loan commitment, it's still necessary for lenders to
check such items as appraisals and the latest credit reports. Despite fluctuating interest rates, preapproval
nonetheless provides a reasoned, careful analysis of what you can afford. After all, loan officers are routinely
paid only when loans are originated. It doesn't make much sense for loan officers to suggest high loan limits
that later can't be delivered. As your mortgage broker we will help you from the beginning to the end.

Often the cost of real estate financing is routinely greater than the original purchase price of a home (after
including interest and closing costs). Because financing is so important, buyers should have as much
information as possible regarding mortgage options and costs.

VISION MORTGAGE BANK  can provide mortgage information, discuss financing options and recommend loan
sources.  
CALL AT: 786-709-6577--- SOUTH FLORIDA

What kind of loan?
There are thousands of loans available out there from a variety of lenders, but in general, the mortgage you
choose will likely be determined by at least several key factors:
How much down? Loans with 5 percent down or less are now widely available -- in fact, loans from major
lenders with no money down have appeared in recent years.

If you place less than 20 percent down, lenders will want the mortgage guaranteed by an outside third party such
as the Veterans Administration (VA), the Federal Housing Administration (FHA) or a private mortgage insurer
(PMI, or private mortgage insurance, is required by lender to protect against any mortgage defaults). More than
2.5 million VA, FHA and PMI loans are generated each year.

How's your credit? The best rates and terms are only available to those with solid credit. To get the best loans,
make a point of paying credit cards, installment payments, rent and mortgage bills in full and on time.

Are you a first-time buyer? It might seem that "first-time buyer" means someone who has never owned property
before, but under most state programs, the term refers to those who have not owned property within the past
three years. State-backed first-timer programs often feature smaller down-payments and below-market interest
rates. For details, speak with your local REALTOR® and or your mortgage broker.      
  CALL Mr.
ANTONY AT: 786-709-6577 ----South Florida

How do you get a loan?
To obtain a loan you must complete a written loan application and provide supporting documentation. Specific
documents include recent pay stubs, rental checks and tax returns for the past two or three years if you are
self-employed. During the prequalification procedure, the loan officer will describe the type of paperwork
required.-----
GET HELP FROM A LICENSED MORTGAGE
BROKER----786-709-6577

Mortgage financing can be obtained from mortgage bankers, mortgage brokers, savings and loan associations,
mutual savings banks, commercial banks, credit unions, and insurance companies. A growing number of
REALTORS® can also arrange financing.

MAKING AN OFFER
While much attention is spent on offering prices, a proposal to buy includes both the price and terms. In some
cases, terms can represent thousands of dollars in additional value for buyers -- or additional costs. Terms are
extremely important and should be carefully reviewed.

How much?
You sometimes hear that the amount of your offer should be x percent below the seller's asking price or y
percent less than you're really willing to pay. In practice, the offer depends on the basic laws of supply and
demand: If many buyers are competing for homes, then sellers will likely get full-price offers and sometimes
even more. If demand is weak, then offers below the asking price may be in order.

How do you make an offer?
The process of making offers varies around the country. In a typical situation, you will complete an offer that the
REALTOR® will present to the owner and the owner's representative. The owner, in turn, may accept the offer,
reject it or make a counter-offer.

Because counter-offers are common (any change in an offer can be considered a "counter-offer"), it's important
for buyers to remain in close contact with REALTORS® during the negotiation process so that any proposed
changes can be quickly reviewed.

How many inspections?
A number of inspections are common in residential realty transactions. They include checks for termites,
surveys to determine boundaries, appraisals to determine value for lenders, title reviews and structural
inspections.
Structural inspections are particularly important. During these examinations, an inspector comes to the property
to determine if there are material physical defects and whether expensive repairs and replacements are likely to
be required in the next few years.

Such inspections for a single-family home often require two or three hours, and buyers should attend. This is an
opportunity to examine the property's mechanics and structure, ask questions and learn far more about the
property than is possible with an informal walk-through.
Do You Have The Money?
Homes and financing are closely intertwined. (Financing is the difference between the purchase price and the
down-payment, commonly referred to as debt or the mortgage.) The good news is that over the years new and
innovative loan programs have evolved which require a 5 percent down-payment or less. In fact, a number of
programs now allow purchasers to buy real estate with nothing down. VISION MORTGAGE BANK IS THERE TO
HELP YOU WITH THE FINANCING PROCESS.

In addition to a down payment, purchasers also need cash for closing costs (the final costs associated with closing
the loan). Several newly emerging loan programs not only allow the purchase of a home with no money down, but
also underwrite closing costs.

Not everyone, however, elects to purchase with little or no money down. Less money down means higher monthly
mortgage payments, so most homebuyers choose to buy with some cash up front.
As to closing costs, in markets where buyers have leverage, it may be possible to negotiate an offer for a home that
requires the owner to pay some or all of your settlement expenses. Speak with local speak with us as your realtor  for
details.

Is Your Financial House in Order?
Those great loans with little or nothing down are not available to everyone: You need good credit. For at least one
year prior to purchasing a home, you should assure that every credit card bill, rent check, car payment and other debt
is paid in full and on time.

GETTING FINANCE TO PURCHASE YOUR PROPERTY
Few people can buy a home for cash. According to the National Association of REALTORS® (NAR), nearly nine out
of 10 buyers financed their purchase, which means that virtually all buyers -- especially first-time purchasers --
required a loan.
The real issue with real estate financing is not getting a loan (virtually anyone willing to pay lofty interest rates can
find a mortgage). Instead, the idea is to get the loan that's right for you -- the mortgage with the lowest cost and best
terms.

What is it preapproval?
"Preapproval" means you have met with a loan officer, your credit files have been reviewed and the loan officer
believes you can readily qualify for a given loan amount with one or more specific mortgage programs. Based on this
information, the lender will provide a preapproval letter, which shows your borrowing power.  but keep in mind that
each lender  carries with it a new credit check, which will show up on future credit reports.
Although not a final loan commitment, the preapproval letter can be shown to listing brokers when bidding on a
home. It demonstrates your financial strength and shows that you have the ability to go through with a purchase. This
information is important to owners since they do not want to accept an offer that is likely to fail because financing
cannot be obtained.
How do you get preapproval?

Real estate financing is available from numerous sources, including lenders here in the finance section of
Homestore.com, mortgage companies that have worked with local REALTORS® and in some cases, individual
REALTORS® themselves. Based on his or her experience, the REALTOR® may suggest one or more lenders with a
history of offering competitive programs and delivering promised rates and terms.
The loan officer will carefully review your financial situation, including your credit report and other information.

The lender will then suggest programs which most-closely meet your needs. For instance, a first-time buyer may
qualify for state-backed mortgage programs with little money down and low interest rates, while a repeat purchaser
(someone who has bought a home before) with more equity (money invested in the home) might want to get a
15-year loan and the lower overall interest costs it represents. Typically, first-time buyers opt for the traditional 30-year
loan, with either a floating interest rate or a fixed rate of interest over the life of the loan.
BUYING, SELLING, LEASING   A  
REAL ESTATE PROPERTY IN
SOUTH FL.

PLEASE CONTACT US  AT:
786-709-6577

WE'RE LICENSED REALTOR,  &  
WE,RE LICENSED MORTGAGE
BROKER


FINANCIAL HELP IS  
AVAILABLE! FOR BUYERS
YOU’VE PROPERTY FOR
SALE?

CONTACT US

COMMERCIAL,  RESIDENTIAL,
OR MOBIL HOME

WE’LL BUY IT FROM YOU
OR
WE’LL SELL IT FOR YOU;

FAST, QUICK & FOR THE TOP
PRICE!

SOUTH FLORIDA
PLEASE CONTACT US…
-----------------------------------------
ATTENTION SELLERS?

WITH US IS MORE
EXPOSURE,

MORE SHOWINGS,

MORE OFFERS,

MORE MONEY FOR YOUR
PROPERTY!

South Florida, Please CALL
Mr. ANTONY FOR AN INITIAL
CONSULTATION
AT: 786-709-6577 --
Fortune International Realty
8 IMPORTANT TIPS BEFORE Buying a home? These eight tips can help make your house-hunting experience positive and rewarding.

10 HOME-BUYING MISTAKES TO AVOID

HOME INSPECTION
HOW TO INSPECT A  HOME BEFORE BUYING?
A home is one of the most important purchases you can make, so don't be sucked in by a fresh coat of paint and nice carpeting! Keep a sharp eye
and

HOME INSPECTION
HOW TO USE HOME INSPECTION REPORTS TO NEGOTIATE SALE PRICE?
When you get the inspection report back on a home you're looking to buy, you may be able to use that report to negotiate the price.

FINAL HOME INSPECTION WALK-THROUGH: Here is a list of items to check on a final walk-through:
Real Estate Learning Center: Foreclosure, REO'S, Short Sale, Pre-construction.

Mortgage Loans Learning Center. Everything about mortgage home loans



consider the details

CONTACT Mr. ANTONY AT: 786-709-6577 ---  WE'RE COMPETENT, WE'RE LOYAL, & WE'VE ALL THE
EXPERIENCE NECESSARY IN REAL ESTATE, FINANCE & MORTGAGE TO HELP YOU!
Contact a competent and experienced real estate
professional -----  AT: 786-709-6577
----------------------------------------------------------------------------
It’s an  honor and a privilege for me to help you buy  
your home for the price you desire, in the area you
choose.

As a competent and experienced real estate
professional, I make certain that you find the right
home for the right price, in the right area.
CALL Mr. ANTONY AT: 786-709-6577 -- F.I.R.
We specialize in real estate financing ,
mortgage and loans, home refinancing,
home equity.

If you just only thinking about real estate,
we assure you that  we can fulfill your need .

You can count on us, we will assist you
throughout the home buying process,

We will work hard to get you a mortgage
loan to fit your need according to your
situation.

We will provide you all the information you
will need  to be successful in your
transaction

We guaranty you complete satisfaction
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Obtain and retain our contact number &
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SOUTH FLORIDA CALL: 786-709-6577 --- WE'RE LICENSED REALTOR & LICENSED
MORTGAGE BROKER.
ATTENTION, ATTENTION HOME-BUYERS:

If you need to purchase a real estate property in South
Florida ! Let us know and we will show where it is, and how
much it is. And we'll provide you with the following
important benefits...

We will assist you in securing the best financing program
for your specific situation with lowest interest rate and
least expensive closing costs possible.

We will help you find the property you're looking for, we
will provide you many options and you determine which
properties you want to view and or choose to buy.

We will arrange a private showing at any property you want
to see;
and when you find a property you like, we will use our
SPECIALIZED KNOWLEDGE and discuss strategy with you
regarding offer, price, financing terms, possession date,
and anything else you want to know .

We will help you prepare the offer with the terms,
provisions, and addendums weighted in your best interest.

We will present the offer to the seller in your behalf, and
then negotiate in your best interest to help you secure the
property at the best possible price & terms.

We will always be available for you, throughout the entire
purchase process, to answer any questions you might
have.

You are not under any obligation at anytime to buy or build
a property.

Our fees being paid to us by the seller at closing. There is
no cost to you!


Acknowledge that the Agent / Broker is being retained
solely as a real estate agent as a transaction broker and is
not  an attorney, tax advisor, lender, appraiser,
professional home inspector or any other professional
service provider. BUYER has been advised to seek
professional advice concerning the condition of the
property, and legal & tax matters.   
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FIRST TIME HOME-BUYERS REAL ESTATE INVESTMENT.  
METHODS, TECHNIQUES, AND STRATEGIES TO SUCCEED --
THE MOST IMPORTANT INFORMATION FOR FIRST TIME BUYERS

Federal Housing Administration {FHA} Mortgage Loan Programs
Information Center. Help for America's Homeowners! How to
make your home affordable?


REAL ESTATE FINANCING: WHERE AND HOW TO FIND MONEY
TO INVEST IN REAL ESTATE?
FIRST TIME HOME BUYER'S GENERAL INFORMATION FOR A
SUCCESSFUL HOME-BUYING!
Bringing the Dream of Home-ownership Within Reach...

PERSONAL FINANCIAL / FINANCIAL KNOWLEDGE
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