home buying process for buyers only

<body> <b><font size="2" face="Arial"> <h1 align="left">home buying process</h1> <p align="left">Discover the home buying process secrets of <u> getting the best deal on a house and mortgage</u>. <a href="home-buying-process.htm">home buying process</a></p> <center> <p align="left"><b><font face="Arial" size="2">Here's how to avoid making the mistakes that most house buyers make ---mistakes that will cost you thousands!  </font></b></p> <p align="left"><b><font face="Arial" size="-1">Your house buyers guide is required reading, just excellent!  From choosing the right real estate agent through the closing procedure, your information is right on the mark. You have written a concise, informative and understandable guide for the real estate consumer --- giving the reader a true purchasing advantage.</font></b></p> </center> <LEFT> <p align="left"><b><font face="Arial" size="2">Dear House Buyer, </font></b> </p> <p align="left"><a href="home-buying-process.htm"> <img border="0" src="images/2-rebac.gif" width="102" height="55" alt="home buying process"></a></p> <p style="LINE-HEIGHT: 150%" align="left"><b><font face="Arial" size="2">If you'd like to </font></b><font face="Arial" size="-1"><b>pay the lowest possible costs when you purchase a house, understand exactly what price to offer for any house, and save on both your mortgage loan and the purchase price, </b></font><b><font face="Arial" size="2">then this might be the most important web site you'll ever visit.  </font></b></p> <p style="LINE-HEIGHT: 150%" align="left"><font face="Arial" size="2"><b>I've put together over tips, advice and techniques designed to guarantee that you completely understand the house purchasing procedure, save money and avoid being taken advantage of  and <u><i>I know what I'm talking about, I was employed in the real estate industry for over ten years </i></u> first as a real estate agent and later as a mortgage loan officer.  I'm quoted as an industry expert on a number of major websites, including MSN.com While mortgage lenders, real estate agents and other real estate professionals are all licensed, closing costs and agreed upon sales prices are not regulated in any way---so it's not unusual for a house buyer to pay more than reasonable closing costs  accept higher than market interest rates or pay more for a house than it's actually worth.....<u><i>and not even know it.</i></u> </b></font></p> <b> <p style="LINE-HEIGHT: 150%" align="left"><font face="Arial" size="2">Would you know if you paid too much for a house or mortgage? Unless you completely understand how the real estate industry works, you could become one of the many housebuyers who pay too much.   </font></b></p> <p style="LINE-HEIGHT: 150%" align="left"><font face="Arial" size="2"><b>One study showed that borrowers who received a mortgage loan in 2000 paid <u> $23,942,858 in unnecessary upfront fees</u> </b><i><b>and that study included only borrowers in the state of Colorado!</b></i><b> </b></font></p> <p style="LINE-HEIGHT: 150%" align="left"><font face="Arial" size="2"><b>Don't live in Colorado?  The problem is not state specific -- the same organization that did the Colorado study  estimated that </b> <span style="layout-grid-mode: line"><b style="layout-grid-mode: line">b</b><b>orrowers who received a loan in Arizona in 2001 paid $33,382,596 in unnecessary up-front fees</b></span><b style="layout-grid-mode: line">---it happens everywhere in the United States</b><b>.  </b></font></p> <p style="LINE-HEIGHT: 150%" align="left"><font face="Arial" size="2"><b> Fannie Mae, the nation's largest source of financing for house mortgages, has estimated that as many as half of all borrowers in sub-prime (higher than market interest rate) loans could have qualified for a lower cost mortgage. </b></font></p> <p style="LINE-HEIGHT: 150%" align="left"><b><font face="Arial" size="2">We </font></b><font face="Arial" size="2"><b>will prepare you to buy a house with confidence---and avoid becoming part of a statistic like the ones you just read about. </b></font></p> <p align="left"><b><font face="Arial" size="2">Now, I know you're probably skeptical. That's normal and healthy. </font></b></p> <p align="left"><b><font face="Arial" size="2">Let me give you some good reasons you need to use us if you are purchasing a house:  </font></b></p> <p align="left"><b><font face="Arial" size="2">Reason #1. </font> <font face="Arial" size="-1">   </font> <font face="Arial" size="2" color="#004e99"><u><i>This is Information You Can't Find Anywhere Else</i></u></font><font size="2" face="Arial"> </font> </b></p> <p style="LINE-HEIGHT: 150%" align="left"><b><font face="Arial" size="2">There are dozens, maybe even hundreds of house buyer guides available today.  But try and find one that tells you how to negotiate with a lender or properly with a seller's broker---you can't because many of these other house buyer guides are written and distributed by lenders or by listing brokers!   They don't want you to really understand their business....if you do, they can't get away with overcharging you. </font></b></p> <p style="LINE-HEIGHT: 150%" align="left"><font face="Arial" size="2"><b> Relying on a housebuyer guide written by a mortgage lender or real estate agent for all of your information would be like stopping at a car dealer and expecting to find a booklet that tells you how to negotiate the best deal on a car purchase!  </b></font></p> <p style="LINE-HEIGHT: 150%" align="left"><b><font face="Arial" size="2">I'm no longer affiliated with any real estate agency or lender so I can give you honest, unbiased advice rather than a commercial disguised as information.</font></b></p> <p style="line-height: 100%" align="left"><font face="Arial" size="-1"><b>My husband and I recently went to contract on a new construction house. There are many reasons I wish I found your site earlier in the game, but we have benefited even at this point. We had to use their lender to get some substantial incentives, however, I had no idea what fees & charges were negotiable and what weren't. After reading your guide, I was able to get our closing costs lowered $350.00! This is information that *just isn't out there* in the general domain. <i>L. Collins, Aurora, Colorado  <br> </i></b></font><b><font size="2" face="Arial"> </font></b></p> </body>