August 26, 2016

HOW TO BUY A HOUSE IN THE MT DIABLO VALLEY CA BAY AREA

Are you looking to buy a home in the Mount Diablo Valley East Bay Area? We focus and specialize in financing and closing transactions in Walnut Creek, Concord, Lafayette, Pleasant Hill and Martinez CA.

REVIEW MY QUICK HOME BUYERS CRASH COURSE BELOW

CLICK HERE: SPECIAL OFFER FOR NEW HOME BUYERS THROUGH MAY 31ST

HERE ARE WHAT PAST CLIENTS ARE SAYING ON YELP REVIEW_FOR_JASON_WHEELER_2016-01-31_2226

AFTER YOU WATCH

Just call or contact me and I will quickly send you these three bonuses:

  1. Get my guide on how to get approved in the next 24 hours.

  2. Get my 100 Types of Turbulence to avoid when buying a home

  3. Get my FREE custom Renting Vs Owning Calculator to see if a purchase makes sense (EXAMPLE RENT VS OWN CALCULATOR BAY AREA CA)

WHY ARE YOU HERE?

You have questions about Real Estate and or Mortgage Lending?
You don’t know where to start?
You don’t want to talk to a pushy sales person!
You want to know if buying or refinancing is right for you.

A Bit About Me…

I live and work in Pleasant Hill CA with my family.
I love helping others achieve their goals with Real Estate.
Involved in Real Estate & Lending since 2003.
Consistent top producer with a top nationwide company
Casual and easy to work with
I don’t quit!

TYPES OF LOANS WE OFFER

6 Most Common Home Bay Area Home Buyer Questions

I answer all of these in detail in the 20 minute crash course video in this posting.  Be sure to watch the whole thing to get my 3 special bonuses.

1. What is the process?
2. How much do you charge and what can I expect?
3. How do I know how much house I can afford?
4. How much cash will I need to purchase a home?
5. Broker or Banker or Direct Lender what is the difference?
6. I need a loan FAST!! How quick can I close?

MOST COMMON DIABLO VALLEY HOME BUYER QUESTIONS

QUESTION 1: What is the Home Buying Process?

  1. Get a Pre-approval
  2. Hire a Realtor
  3. Find a Home Make an Offer
  4. Open escrow process your home loan
  5. Loan funds
  6. Title Records

There is a bit more to the escrow process than spelled out here.  This is a very basic outline of the home buying process from start to finish.

QUESTION 2: I’m Afraid to call a Mortgage Broker or Realtor, how much do they charge and
what can I expect for closing costs?

  1. My service is No cost to you. Flat Fees are paid directly from the bank.
  2. Most pre-approvals can be done within 10 to 15 minutes on the phone.
  3. What are My Closing Costs When I Buy?
  4. 1.5% to 2% of the purchase price rule of thumb. 300k purchase = $4,500 to 6,000 in closing
    fees. (can usually be financed or paid by the lender
  5. Most Common Lending Question

QUESTION 3: How do I know how much house I can afford?

What is your debt to income ratio? Monthly outgoing debts / Monthly GROSS income
Most Common Lending Questions

calculate your debt to income ratio

QUESTION 4: How much cash will I need to purchase a home?

As Little as 3.5% down payments.
Gift funds are OKAY in most cases
Down payment assistance available for some borrowers.
EXAMPLE: $300,000 Purchase = $10,500 Down Payment
EXAMPLE: $600,000 Purchase = $21,000 Down Payment

QUESTION 5: Broker or Banker what is the difference?

Banker is stuck in a box with limited programs
High overhead and costs get passed to borrowers
Limited ongoing education and federal requirements
Mortgage Broker and Direct Lender the Benefits
Direct access to over 50 lenders that compete for my business
Wholesale pricing and low over head passed on to the borrower
Constant education required and Federal compliance yearly
Top 50 in production nationwide in Scottman Guide
Top rating with the BBB
Top producing consultant since 2003

QUESTION 6: I need a loan FAST!! How quick can I close?

Consistent closings within 14 days of submission.
Direct access and communication with bank execs and decision makers.

FAST CLOSING EXAMPLE

fast home loan closing example

NOW THAT MY QUESTIONS ARE ANSWERED… What should I do now?

Get my FREE guide on how to get approved in the next 24 hours.
Get my 100 Types of Turbulence to avoid when buying a home
Get my FREE Renting Vs Owning Calculator to see if a purchase makes sense

Follow me or ask me a question on social media

Contact Me Personally with your questions

Client Appreciation Program

If you close your purchase with us and make 6 payments on time on your new loan we will
refinance your loan and lower your rate for no cost! *market and credit conditions must allow*

 

jason_wheeler_on_yelp

DOWNLOAD THE PRESENTATION SLIDES HERE

Always remember if you need advice or have questions regarding financing or buying a home in the Mount Diablo Valley CA East Bay Area your FIRST stop should be right here.

About Jason Wheeler - Real Estate & Lending

Jason Wheeler got started with in the Real Estate & Mortgage Lending business in 2003. Since then Jason has become a top producer for one of the largest, most well respected Real Estate and Mortgage Brokers in the industry, producing quality loans in California, and helping countless families with their home purchases and sale. For fun... Jason loves being outdoors and writing important tips on his blog (what you are reading now) and hangs with his wife kids and dog. IF YOU LIKE THIS CONTENT GO VIP HERE

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