As a new buyer or especially as an investor, it is important to understand the home buying process is very complex, from qualifying for a loan, to making an offer (even if paying all cash), to title, escrow and appraisal there are always questions.

Preparing To Buy And Picking Your Team
 
It is important to remember that not all real estate agents or brokers are equally skilled or trained. Most real estate agents are unfamiliar with credit repair or loan guidlines (It's not their job) but it effects you.

Why Speed Matters & Resolving Credit Issues Quickly

In real estate, often "Time is of the essence" so being able to improve your credit score quickly is essential. Interest rates and loan programs are determined in part by your credit score and in order to qualify, or to qualify for a better interest rate or program, often, credit needs to be repaired and re-scored (to hopefully raise your score) as quickly as possible. Very few agents or brokers have training or actual working experience in loans, real estate and credit repair or have access to the specialized tools and knowledge necessary to have your credit repaired and re-scored. Many new homeowners unfortunately learn this lesson the hard way by relying entirely upon their real estate agent, only to discover the agent they have chosen has no special training or experience in loans or credit repair. Working with a properly equipped and trained broker, experienced in loans and credit repair can mean the difference of having your credit re-scored in as little as 3 to 5 days instead of the usual 30- 90 days. When ever possible try to work with a broker that is also capable of handling your loan as well.

Benefits Of Becoming An Educated Buyer / Investor

It is always best if you understand the options being presented to you, which are often confusing to new buyers/investors. Becoming an educated buyer / investor, increases your comprehension of the often confusing terminology spoken by lenders and agents alike, especially when it comes to qualifying for a loan and getting the best rate. The rate you ultimately pay depends in part upon the following factors, so your understanding of these terms is critical to getting the best deal.

For example - 1003, 1031 - Starker, 2/28, 5/1, 80/20, 30 Due in 5, Adjustments, Asset Depletion, Debt Service, Caps, DSCR, 4506T, SISA, SIVA, FULL DOC, LIBOR, MLO, COFI, DTI, LTV, CLTV, MIP, PMI, LPMI, BPMI, PCOR, FICO, Mid FICO, Discount Points, Origination Points, Reserves, Top End Ratio, Bottom End Ratio, Tri Merge, Hits,  DU, LP, Grossing UP, Comps, Lock, Lock Extension, Lender Fee, Impounds, Etc.. These are just a few of the acronyms and terms commonly used during a loan/purchase transaction. All of these can have a direct impact on what you ultimately could pay.

We have an extensive background in loans as well as real estate and credit repair which we would like to share with you, to enable you to get the best deal possible.

Does it make sense to pay more in points? Does it make sense to make a higher than asking price offer? In certain situations it does. We will teach you how and when, but to get the best deal, you must get familiar with both the terminology and the process .

Most often, real estate, loans and credit repair are counter intuitive. For example, Paying off credit cards or closing accounts could actually harm your credit score.
The classes we offer will give you the skills you need to make an informed decision.

Remember the old saying, "A Fool And His Money Are Soon Parted" applies perfectly to real estate.
"A well educated Investor on the other hand..."

All courses taught by a Lic. California Real Estate Broker 
CA BRE Lic.01342323
Professional guest speakers in attendance

Course Prices Start at $299.00
Limited Seating, Please Reserve Your Seating Early. Thank You

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If you have any Real Estate related questions, please feel free to call 714-421-1499
or email atozfinancial@gmail.com.

CA Bureau Of Real Estate
Broker Lic. # 01342323