What Are They Saying Behind Jesse's Back?

Jim's "Dream-In-A-Box"

Jim took his opportunity and made the most of it.  Click and listen what Jim had to say about his Real Estate Investing experience and what recommendation he has for anyone thinking about building their dream home:

For more on this subject of "Modular Homes", I invite you to do to this website: GreenMeansGrow.com/modular

Jim had a dream. He had always wanted to split his big lot where he lives, and build a new custom home next to his existing home. Jim needed a plan. His good friend and Real Estate Developer, Manuel, came in with the experience. Now all Jim needed was a mortgage strategy.

After our initial consultation, it materialized that Jim could use the equity he had built up in his existing home to pay for the entire project. Worried about current mortgage trends, security was important to Jim, and we decided on a 30-year fixed program. Jim then pulled out the necessary money to build his dream home.

He now lives in his custom built modular home, and has two assets appreciating instead of just one.

Jim’s Bet: leveraging creates an increased mortgage payment of $1,500 p/month.

Jim’s Payoff: Double the Real Estate Owned, One brand new home, A fixed loan, A new parking spot for his bike, and…oh yes...300,000K in forced equity!

**Tip: Modular Homes are a great way to get that custom dream home you’ve always wanted. They are stick-built, customizable, and most important—you can save tens-of-thousands versus a traditional “new build” because they only take 3-4 months from start-to-finish. This makes them a powerful option to “force equity” and grow your overall financial health faster.**

24 yrs. old: Renter or Home-Owner? Buys when the market is low & Locks his loan at $451 p/mo. less than what he qualified for!

Diego was kind enough to share his experience with anyone else who is willing to listen to his quick, 3 minute interview.

Here’s a quick note to let you know how I can help you or anyone you might introduce to me.

Diego is 24 years old, he is a brand new homeowner, and he receives a check from me in the amount of $452 bucks a month!

Well, not literally. Here is what happened: I qualified Diego for a Zero Down Mortgage and on the first day of looking, we found the perfect home. After a lot of research and some gut checking, we decided to make a bold offer at 20% under what it was worth. It stuck. After we were in escrow, I never stopped shopping his loan. About 2 weeks into it, I found a loan for him that had 3-years more fixed-rate security, NO PRE-PAYMENT PENALTY & $451 less a month! Only one problem, he didn't really qualify.

Buyer’s Market success Kit : Secrets #3 & #7

#3: After doing all the homework and comparative analysis, come up with a fair price—then make your bid from 10 to 20% UNDER that & see if it sticks. #7: Work with a lender that has the resources and banking relationships to qualify you for rates and programs that other’s simply cannot do.

I negotiated for the next 2 1/2 weeks with the lender, tirelessly working the strengths of my client’s file until they agreed and approved us for the loan. Now, Diego is the youngest homeowner I know—he got the perfect first home—and he is paying $451 a month less than what he would have paid had he chosen to work with anyone else.

Jesse Ibañez, Your Real Estate Consultant & Mortgage Planner

Quick, Listen to him tell his own story — Free Recorded Message @ 888-484-3657 xt. 72

P.S. Who is the next person you know who is ready to make an offer on a home for 20% less than its really worth? Be sure to give me a call to discuss how we can let them know about my services.

Robert “Bob” D. Just Pulled Off The Deal Of The Century: He Saved $102,170 On One Transaction! What Was His Secret?

Dear Friend,

Here’s a quick note to let you know how I can help you or anyone you might refer to me.

Bob’s family was outgrowing their 3br/2ba home in Rancho Cucamonga. He was working with an agent from his area who was trying to sell his home for enough to have a down payment so he could “move-up”.

Bob was referred to me from a past client to help him with the financing on what would be the purchase of his new home. After doing an initial consultation over the phone, it was clear to me that there was a much better way to reach his goal. If Bob followed these 3 Secrets To Acquiring Real Estate UNDER Market, he would save himself a ton of money! No way did either of us think it would end up this good:

*Secret #1: Don’t Sell Right Now—In Bob choosing not to sell his current home and rent-it-out instead, he saved $22,500 that the agent was charging him in commissions (alongside the fact that this is not the best time to sell). 

*Secret #2: Fire Your Traditional Agent & Earn Some Commission—Because I don’t live in his area, Bob and I agreed for him to earn 1% of the commissions by doing most of the legwork. This added up to $6,670.

 *Secret #3 Hire A Skilled Negotiator—The home we found Bob was a lovely, custom built home from 1988 that hadn't been updated since. It was perfect, but it needed work. They were asking 701,000. They needed to sell...Fast! I was able to successfully negotiate the sellers down to 667,000. When we got it appraised, the value came in at a whopping 740,000. All together, that is a grand total of $102,170 saved & earned in one transaction!

Jesse Ibañez, Your Real Estate Consultant & Mortgage Planner The GreenHouse Group, 888-747-8485

P.S. Everybody knows someone, who is the next person you know who can not afford to miss out on this Buyer’s Market? Please give me a call to find out how I might be able to help them.

Now Josh Is The Landlord—He Used His Roommates Rent To Qualify, And He Continues Using It To Pay Off His Home!

Dear Friend,

Here’s a quick note to let you know how I can help you or anyone you might refer to me.

Josh was a perpetual renter. It wasn’t by choice, he just never knew what options he had.

Josh was introduced to me from a friend to help him start the process of getting a plan to buy his first home in the next year. After doing our initial consultation, Josh quickly learned that with his strong credit and 2+ years job history he could have been owning this whole time. Only one problem: He didn't make enough to afford California’s hefty price tags.

Trick of the Trade:

If affordability is the only thing from stopping you from owning your first home, we have programs that allow you to use your roommates rent to help you qualify.

This was perfect for Josh, because he was the one on the lease with the good credit and good job. He was taking all the risk for his buddies, and not benefiting at all. We found that using their rent, we could easily afford a Condo that allowed him to stay in the beach community he had grown to love. Now Josh is the landlord, and each and every month his buddies are now paying for his mortgage!

Jesse Ibañez, Your Real Estate Consultant & Mortgage Planner The GreenHouse Group, 888-747-8485

P.S. Who is the next person you know who wants to become a homeowner? Please give me a call to find out how I might be able to help them.

Chance & Elena: First Time Homebuyers or Expert Real Estate Investors?

Dear Friend,

Here’s a quick note to let you know how I can help you or anyone you might refer to me.

Chance & Elena were painfully renting. There was no room for Chance to run his Pool Supply and Service Business, no security for him and his new wife, and they felt like they were throwing away money while they paid for their landlord’s mortgage each month.

After coming in for an initial consultation, we set Chance & Elena up on our Free MarketWatch Subscription so they could browse through all the available listings and play Real Estate Agent with their free time. While driving the neighborhood, Chance found a beautiful condo conversion selling brand new units. We quickly got them Pre-Approved for a great Zero-Down Mortgage with a low rate by using bank statements instead of having to “state the income”, typical for the self-employed. Up to this point, this should sound pretty familiar. Well here is where it gets good:

Because it was a condo conversion project, they could represent themselves. So instead of having to pay commissions to a buyer’s agent, the sales office gave the money to them. This, plus the $5K off in closing costs the hungry project was advertising, automatically put $12,800 into their pockets! Then, at the signing table, I was able to pass on an additional .25% off of their home loan rate due to my relationship with that lender. In the end, their loan beat the Wells Fargo offer (they had set up in the sales office) in rate, payment and fee!

Jesse Ibañez, Your Real Estate & Finance Consultant The GreenHouse Group, 888-747-8485

P.S. Who is the next person you know who can not afford to miss out on this Buyer’s Market? Please give me a call to discuss how we can let them know about my services.

When Am I Happy To NOT List A Home?

Dear Friend,

 Here’s a quick note to let you know how I can help you or anyone you might refer to me.

 

 Recently a client called me with a problem. Rob had owned his townhouse for two years but the person sharing his monthly expenses had moved out. He decided to sell since he felt he couldn’t afford to keep the townhouse on his own.

 I asked Rob to come in for an hour, and consulted him on how to keep his townhouse by using a home equity loan to pay off student loans and other miscellaneous debt. His new, lower, overall monthly payments combined with his tax savings keep his monthly expenses in line, and instead of renting an apartment he’s still able to build equity and won’t miss out on additional appreciation when he decides to sell. Imagine Rob’s delight when I didn’t rush over to list his home, but instead assisted him with keeping his home!

 Jesse Ibañez, Your Real Estate & Finance Consultant For Life

Realty Specialists/Mortgage Loan Specialists, 888-747-8485

P.S. My priority is helping people make their dreams come true. Who’s the next person you know who could benefit from this kind of service? Please give me a call to discuss how we can let them know about my services.

Colleen & Gary Are Packing For Paris!

Dear Friend,

 Here’s a quick note to let you know how I can help you or anyone you might refer to me.

 Colleen and Gary, both schoolteachers, retired when they turned 63 and were ready to start living their dream – to travel the world. Their plan was to sell their home, rent a cheap apartment, and use the proceeds from the sale to finance their travel.

 I’d helped their son purchase a home a few months ago and he suggested Colleen and Gary talk to me before listing their home. As an alternative to selling, I suggested they also consider a reverse mortgage – a loan against the equity in their home that isn’t repaid as long as they both continue to live there. Instead of paying rent on an apartment, a reverse mortgage would allow them to keep their home and “spend down” the equity they’d built up for so many years. Now Colleen and Gary are packing for Paris – instead of paying rent!

 

Jesse Ibañez, Your Real Estate & Finance Consultant For Life

M.L.S

P.S. Who’s the next person you know who may not be aware of all their financial options? Please give me a call to discuss how we can let them know about my services. Thank you!

No "Relocation Blues" For Scott and Michelle (& Daisy)

Dear Friend,

 Here’s a quick note to let you know how I can help you or anyone you might refer to me.

Five years ago I had the pleasure of helping Scott and Michelle obtain a home loan, and two years ago we refinanced their mortgage. When Michelle called two months ago to tell me they were relocating out of state due to Scott’s promotion, of course I had mixed feelings – delighted about their good news, but sorry to see such nice folks leave the area.

  I belong to a national organization of real estate and lending professionals, so I offered to connect them with a Realtor and Lender in their new city. I called my contact at the organization, obtained several names, and passed them along. Michelle just sent me a photo of Scott and her in their new back yard with Daisy, with a note thanking me for referring them to such competent professionals!

Jesse Ibañez, Your Mortgage Consultant For Life

Mortgage Loan Specialists 

P.S. Who is the next person you know who is moving into or out of our area? Please give me a call to discuss how we can let them know about my services. Thank you!

Chad Puts His Credit History Behind Him

Dear Friend,

Here’s a quick note to let you know how I can help you or anyone you might refer to me.

In the first few years that Chad lived on his own, he racked up a hefty credit card debt and really damaged his credit score. But that was four years ago. He’d since changed his fiscal habits and was completely debt free. However, because of his credit history Chad wasn’t certain he’d qualify for a home loan without paying a high interest rate.

Chad’s brother recommended my services and during our Initial Consultation we spoke in depth about his current financial situation and credit history. After running his information through my HomeLoanFinder computer, I found that he qualified for a particular low-interest loan that would allow him to purchase a two-bedroom townhouse. Now Chad owns his own place and he can finally put his poor credit history behind him.

Jesse Ibañez, Your Real Estate Finance Consultant For Life

MLS

P.S. Who’s the next person you know who might qualify for a low-interest loan? Please give me a call to discuss how we can let them know about my services.

Now Kathy Works Comfortably From Home

Dear Friend,

 Here’s a quick note to let you know how I can help you or anyone you might refer to me.

 It had been over a year since Kathy started working from home in order to spend more time with her three-year-old daughter. However, with her living room doubling as an office, her desk, computer, and all those books and files were starting to cramp her small two-bedroom condominium. Kathy desperately needed an extra room to provide a more effective workstation and give her home an actual “living” room.

 I helped Kathy purchase her condominium four years ago and we met to discuss her homeowning options. After reviewing her financial status, I found that she qualified for two different types of loans that would allow for similar payments on homes in her area, and within a month of househunting, Kathy found her ideal three-bedroom house. Now she’s working comfortably in her new home office, and she and her daughter are enjoying the benefits of actually living in their living room.

Jesse Ibañez, Your Mortgage Consultant For Life

M.L.S, 888-747-8485

P.S. Who’s the next person you know who needs an extra bedroom? Please give me a call to discuss how we can let them know about my services.