GET $155,000.00 towards a down payment on your first home!!

 Are you a family of two earning $55,240 or less?

IMAGINE ….OWNING YOUR OWN HOME IN ORANGE COUNTY!

You could purchase a $350,000 home and only pay only a $195,000 mortgage….FOR 30 YEARS.

I’ll tell you how I did it! My e-book provides you every thing you need to know to purchase your own home in one of the richest counties in world….Orange County!

This e-book was written especially for LOW OR MODERATE income families. I’ll show you how a single Mother earning less than $55k a year now owns her own home in Orange County. And her mortgage payment is less that $1500 a month. THAT IS PITI (Principle, Interest, Taxes, and Insurance)!!! I know….because that single Mother is me. And if I did it…..so can you!!

How many low income families are paying over $1300 a month in rent, making someone else wealthy every month?? Is this you? Then you may as well be flushing your money down the drain, because when you pay rent….you gain NOTHING! Your family gains NOTHING.

When you own your own home you get EQUITY, TAX WRITE OFFS, AND EVERY MONTH A SENSE OF PRIDE, that you are investing in yourself…and your family’s future.

WHY BECOME A HOMEOWNER?

Income Tax Savings: The government subsidizes your home purchase. It allows you to fully deduct all of the mortgage interest and property taxes paid through the year on your tax return. Home ownership is an incredible tax shelter that can save you thousands on your taxes.

Savings for The Future: Every month a portion of your payment goes to principal reduction of your loan. As your loan balance gets smaller, your equity grows. Homes also typically appreciate in value when they are kept up. It depends on your location, but appreciation historically averages about 5% per year. Many people view owning a home one of the best financial decisions and a hedge against inflation.

Buyers Market: The housing market has peaks and valleys. Right now we are in a buyers market with homes staying on the market longer periods of time before they sell. That gives negotiating power to the home buyer. It is a chance for home buyers to negotiate closing costs, home warranties and other concessions from the seller. History shows that it will not always be that way and the market will swing back. The time to buy is now!

The Pride of Ownership: This is undoubtedly the number one reason people buy homes. They want the freedoms that go along with home ownership. That means you can paint the walls any color you desire, you can make changes to fixtures and decorate to your taste. It gives your family a sense of security and stability knowing that you no longer have to move every year. You are making an investment in your future.

Do you think you qualify for the First Time Homebuyer programs I'll tell you about in my book? Are you're ready to take a viable step towards owning your own home? Or do you know someone who could benefit from up to $155k towards their down payment on a home?

THIS BOOK IS FOR YOU!!

This is NOT a clever negative amortization loan: (A gradual increase in mortgage debt that occurs when the monthly payment is insufficient to cover the interest due, and the balance owed keeps increasing (at least in the first few years).

These are California and City down payment assistant programs that aren’t widely advertised. Even most Mortgage Brokers, Real Estate Agents, and Lenders don’t know these programs exist or couldn’t tell you who you need to contact to find out about them. Cal HFA (California Housing and Finance) loans are widespread, and there are many banks and lenders that work with this type of loan. Unfortunately, even Cal FHA can’t offer you the type of down payment assistance programs I’ve listed in my e-book.

Are you a Real Estate Professional…Real Estate Agent, Mortgage Broker, or Lender who would like to expand your client base? Are you tired of telling low income families that they can only afford a $220k mortgage? I mean, what’s that going to buy in Orange County? A Manufactured Home! With the I programs I used, and the programs I will tell you about in my e-book, the same person who qualified for a $220k home can now shop for a $350k home.

I’ve also included Credit Rebuilding Letters used to successfully get negative items completely removed from your Credit Report. Some e-books containing this information charge $40-$100 for the same information, and I’m including the letters for free.

 So, you haven't listened to everyone telling you not to buy a house right now, or that you can't afford one by yourself. You just know that there must be programs out there to help hard working people. Well, I'm here to tell you that you can! And in one of the richest counties of the world...Orange County.

I did it, so can you!

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