Wherever you are in your home buying process, these services and programs can help you along the way to reach your home ownership dream.

My Guide to Help You with Your Home Purchase

This guide is not a step by step but to help you identify where you are in your buying process. When you identify it and need help, contact me for a free consultation.

I put this guide together because I noticed people need solutions to their problems that are slowing them down to become a homeowner. Whatever your problem is, there is a solution for you. This guide will tell you how to bring in extra money, how to pay off your home in 1/3 time or 9 years, how to increase your credit score, and lastly, how to lower the interest rate. High Interest rate does not matter here because your main focus is to get approved into the home that you want. Remember, if you follow this guide, you will pay off your home in 9 years so toss that worry away about high interest rate and enjoy the ride that you will be on to become a homeowner soon!

These are the major combinations that you will need to have before you get pre-approved.

1. Down payment

2. Good credit score

3. Debt-to-Income (DTI)

HOME DOWN PAYMENT

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There are many ways to get a down payment.

Down Payment Assistance Grant. Grant that will help you with down payment assistance from the city, the state, private, and nonprofit. You'll need to do your research or ask about this program. Some don't want to use the grant because they're scared of paying a high interest rate. Again, if you need help and qualify for the grant, don't let the rate scare you.

Home Down Payment from Saving, Cash, 401k, Life Insurance, Investment, Gift

A down payment from the above sources are a great start. People already know about saving, cash, borrowing from 401K, investment, and gift to use as a down payment. However, some don't know about a down payment borrowing from a life insurance policy. If you know this, great! If not, here is a brief background about the life insurance policy that you NEED.

Whole Life and IUL

These life insurance are not term because terms don't build cash values. These policies build cash values that you can use while you are alive called "living benefits." If you are paying it over 10 years and have the cash values to borrow, you can borrow it to make a big purchase such as a home or to start a business. The younger you are, the cheaper the premium. It's also best for new parents to buy for their baby. When the baby becomes an adult, parents will transfer the policy to the child, helping him/her prepare for his/her new life. Great graduation gift!

GOOD CREDIT SCORE 640 AND UP

Maintaining a good credit score is vital to your financial health. You need it to rent, to buy a car, to open an account. You know where this is going. If your score is too low and you know why, fix it. If you need a consultation, my team can help with credit score increases up to 150 points OR MORE. The best score is 720 up. Why? With this score you can use it to earn passive income for life so you don't need to worry about income. Make from $40,000-$150,000 a year earning with a credit score. If you want to know how, just ask.

Free Credit Repair Promotion click here

DEBT-TO-INCOME RATIO

This is hard to grasp. You thought that you are making a good income but you are still being told that you cannot get the house that you want. There is no easy way to lower DTI unless you have cash sitting around to pay your debts off. When you are informed to lower your DTI, the only solution you can think of is to pay down your debts. My solution is for you to increase your income. When your income increases, you have more money to pay down debts faster. How much are they telling you to pay off? $6,000, $10,000 or more? Then your solution should be "Ok I need to make that much more money to pay and have a low DTI" Finding extra money is faster than budgeting and cutting some cost of your life to pay debts.

Instant Pay Raise

Look at your paystub, how much tax is taken out from your paycheck? All employees are overpaying taxes at their work. We provide an instant pay raise. We will show you a way to get back $300-$1000; money that legally belongs to you. $300-$1000 extra each month would help you save up, put into the wealth account, let it gain high interest, and be debt free faster. Going back to a down payment for a home, if you are told to have more, this is a great way to start building your take home income to save up for a down payment also.

Increase Your Income

I do not recommend taking up another JOB to increase your income. Life is hard already working a full-time job trying to achieve your financial dreams and goals. It's faster to add another source of income by having a home based business or working as a 1099 with a flexible schedule that you can do whenever and whatever. There are plenty out there and if you are bilingual or trilingual, you can bring home an extra $2000 a month being an interpreter over the phone part-time.

There are opportunities here so Click this link to sign up https://www.gomarketingsuccess.com/join-the-team

"I need to buy a home right now because the interest rate is low"

Stop this thinking!

Don't rush into this hot market to get a home only because the rate is low and you are overbid for the home. It makes no sense to me that people are overpaying for a home just for a small number of changes. I get it, people don't know about programs and tools that are out there to help paying off a home early, lowering the rates, and more. You are reading this post and now you know, so help share the information.

Pay Off Your Home in as little as 5 to 7 Years AND Convert Your Debt to Wealth!

https://www.moneymaxaccount.com/applynow

This Client Payoff $328,000.00 in 8 years!

https://www.gomarketingsuccess.com/client-report

Did you see a solution in this guide? Was something missing or invalid? Shoot an email to info@gomarketingsuccess.com so we can find a solution.

Last but not least, happy home shopping!