GET “CONNECTED” WITH US, THE HOME CONNECTION PEOPLE, LLC How you can sell your home today!!! Trying to sell your home can be a nightmare! After reading this Special Report, you may very well have a qualified buyer today. Just who is that buyer? The Home Connection People, LLC. While we can’t promise to buy your home, we can tell you we’re constantly looking for and buying nice homes like yours from other folks in this area. The Home Connection People, LLC Just who are the Home Connection People and what do they do? We are Sean and Christine Pond and we are members of the Home Connection People, LLC. We have been investing in real estate together and individually since 1991. Sean’s background includes sales and the tool and dye industry. Christine has been in the medical field for the past 10 years. We are not realtors. Our involvement with you and your property is for our own investment portfolio. The rest of this report tells you how our company, the Home Connection People, can assist you by purchasing your home. People who’ve never tried to sell a home themselves just don’t seem to understand all that’s involved: The details, the time, the waiting, the ads that never seem to make the phone ring, having strangers walking through your bedroom. Strangers that feel obligated to pick apart the most trivial features of your interior decorating tastes. Two-faced people, who will smile, nod and act serious, but never call back. It can be a much bigger hassle than you ever thought possible. . . in fact, it can easily turn into your worst nightmare! We buy and sell real estate as a personal investment, so we know what homeowners go through when they try to sell their home. You may still be in the “thinking about it” stage. Maybe you’ve tried listing your house with an agent. . .maybe you haven’t decided you’re ready to go that route yet. While it can’t hurt to list with a Real Estate agent or Broker, by the same token, do they ever seem to have the same “feel” for your home as you do? After all, if you had a computer sitting in your office loaded with hundreds of nice, beautiful houses of all shapes, sizes and price ranges. . .what kind of real “selling” would you actually do? Would you really go all out and work on selling one particular customer’s house? Or would you pick out a selection of several houses for your prospective buyers, hoping to land them on one. . . any one. . .of the many homes you have selected? Come on. . . you’d go with the numbers. After all, you don’t have any personal liability if the seller’s house sits an extra week or two. . . and there’s always the next customer, and the next listing. That’s why more and more folks have gone the “For Sale by Owner” route: you buy your sign, you place your ad, and you show your home. Then, you wait. You call back the lookers and leave messages on their answering machines. Maybe you even get a live one, and write up an agreement. Several weeks pass. You start thinking something’s going wrong. Financing?! But it’s supposed to be the buyers’ job to get a loan, not yours. Right?! Can you tell I’ve been there? Right back on square one, with a beautiful house, priced right, and not a clue on how to make it go away. Looking down the barrel of a deadline to move. Sometimes the reasons aren’t so good at all. . . bankruptcy, divorce, foreclosure. Thinking about selling can quickly become wanting to sell. . . and it’s amazing how fast “want to” can become “have to”. Whatever the reason, it puts you in a pickle. OUR PLAN What if we were sitting at your dining room table right now, and told you we wanted to buy your house. . .? No problem with the non-assumable loan. No problem catching up any payments in arrears. We can probably wrap up the whole thing within 24 hours. Would you perk up a little if that was the case? If you call us at 239-2781 and give us all the facts, we can usually tell you if we can help that same day. We will take the financial burden of any monthly mortgage payments off your back. What’s more, we’ll close when you’re ready. You see, we’ve found we can make a profit on homes that even real estate agents have passed up. . . because we personally handle the whole process. You can get on with your life!!!!!!!!!!!!!!!!!!!!!!!!!!!! Look, like we said earlier, people sell homes for various reasons. Maybe it’s a new job that requires a move, and they don’t want to carry double house payments. Maybe it’s a company downsizing that creates the problem. It could be bankruptcy or foreclosure. . . or they could’ve won the lottery. Perhaps they want to build. . . they’re tired of the same old neighborhood. . . they need something bigger, something smaller. It could be death or divorce. . . or marriage or birth. Whether you’re moving across town or across the U.S., to a new home or to an apartment, you’ve got other things to concern you. Whatever it is, that house has become something to move beyond. To sell, to put behind you, so you can get on with the business of living your life. We don’t know your particular reasons for selling, but we do know how to get your house closed as quickly, and as professionally as possible. In fact. . . Here’s the game plan to sell your house quickly. . . First we agree on the purchase price, and verify the amount you owe on your mortgage. Please don’t think you need a lot of equity in your home for us to be interested. We’ve worked with all kinds of circumstances and have been thoroughly trained to create solutions after so-called “experts” have given up and quit. Again, if you call in the facts, we’ll tell you within the same day if we can help. What we do is buy your home subject to the existing mortgage. Which means, we will be responsible for your payments and maintenance. We will put a tenant/buyer in the home, and help them get financed. At that time, they will be getting the home re-financed in their name. Unlike working as a real estate agent, we are investors. We agree to make your mortgage payments while we find a buyer for the home. So if it sits empty, we will make those payments. With a real estate agent there is a listing agreement and a 6-7% selling commission. Additionally, closing costs, which are the responsibility of the seller, typically run about 3%. Just add these last two items together and on a $100,000 home, that cost represents $10,000. Now add in the typical 3-6 month period that it will take to find the buyer and have them get qualified and finally close on the home and you’ve just made monthly payments on principal, interest, taxes, insurance, utilities, maintenance and repairs. Remember that if you get a buyer today, it typically takes 45-60 days for them to get financing. Guess who would pay for your home during that period? You would! That’s 2 more payments you would have to make, and that’s if you had a buyer today. What if it takes 6 months? One of the main problem solvers we can offer is peace of mind. Sometimes the hardest aspect of having to move is actually having your home up for sale and your life in limbo. You’ve heard the saying, “sometimes the not-knowing is the hardest part”. When you approve the paperwork with us, you will know that your payments will be taken care of so you can start over and have that peace of mind. We can purchase your home in about 24 hours. We can take care of all the paperwork in about 7-10 days. We simply order the title research, and draw up the papers. We can set a date when you can move out and we will take over the home after that. We will make payments on your loan while our tenant/buyer builds equity and finds their own financing. The best part is, your loan doesn’t even have to be assumable for this to work! Our program works, regardless of the type of loan-assumable, non-assumable, assumable with qualifying, FHA, VA or conventional. We take care of your monthly payments, take on all responsibility for the maintenance and upkeep of your property and liquidate your asset before it becomes a liability! Now seriously, does it get any better than that? As we stated before, our program can work in any situation. Benefits to Sellers For you the Seller we thought that we should summarize the benefits of this program. Maybe not all these points apply to you, but most should: 1. Rapid, flexible sale of your home- You select the date that you want to move out. We can complete our transaction in about 7 days. 2. Certainty of Sale-Avoid the disappointment of “selling” your home, waiting 45 days for a buyer to qualify and then finding out the deal fell through for any number of reasons. Then the process starts all over again, but now the pressure is really on now. 3. Avoid high sales commissions-No need to pay a Realtor the typical 6-7% fee. 4. You get quick relief from mortgage payments-Compare that with a home listing that can go on forever!!! 5. Avoid typical closing costs-Avoid the necessity of paying for surveys, title insurance, deed preparation, courier fees, recording fees, etc. 6. Eliminate a listing agreement-We provide a sales and purchase agreement, remember we are BUYING your home. 7. Eliminate time consuming house showings-You won’t have to show your home anymore. No strangers parading through your home at dinner time. No more working to keep your home looking emaculate 24 hours a day for prospective buyers. Benefits to Buyers Yes, you are the Sellers, but just in case you wanted to know why our program is so successful, we’re including the benefits for Tenant/Buyers. 1. Build up equity in the home of your choice while you improve your credit rating. 2. Have more time to build up your base income. 3. Have a home in an area that will surely have price appreciation. 4. Fix the price of your future home and avoid price inflation. 5. Get a better mortgage in 12-24 months than the one that you qualify for now. These are a few of the benefits for home buyers who want their home now, but know that their financial profile will be much better in the near future. The Home Connection People,LLC allow these people to make payments on a fine home and then when they have improved their equity, credit or financial profile, they can qualify for the type of mortgage that they want. This makes it much simpler for nearly 40% of the people who have trouble qualifying for class A mortgages. The “subject to” Process Usually we begin with a phone call to find out some preliminary information concerning the property, desirability of the home, mortgage information and seller timing and motivation. Next, we meet in your home and review your paperwork. In preparation for this meeting, we usually have performed a competitive market analysis to determining the approximate value of the home. At this meeting we explain the required documentation, such as the Warranty Deed, Sales and Purchase Agreement, Power of Attorney, Disclosure Statements, Notices to the Lender and Insurance Company. We leave samples of all documents that will be signed so that you may review them with whomever you choose. While we’re in your home, you can show us any repairs or cosmetic improvements that need attending. We agree on a schedule for signing documents and for change of possession. We can be very flexible on our date of possession, but once we set the date, we want to be sure that the home will be available once we have initiated our advertising. After this meeting, we run a title search to be sure that there are no encumbrances that would cloud the title when we next meet. This search provides us both with the certainty of the ownership, status of the liens (mortgages and promissory notes), and gives us the exact legal description for creating a Warranty Deed. At our next meeting, we sign all the forms. Several copies of each are signed, and you get one copy of each document for your records Our last meeting is when your moving vans are loading your possessions. At this brief meeting, we ask that you give us the garage door openers, keys and a list of all the utility companies. We will contact them to switch payment of the services. You will probably not hear from us for sometime after we take possession of your home. We transfer the utilities and notify the insurance company and lenders. When our tenant/buyer exercises their option, we pay off your mortgage and notify you that your mortgage has been satisfied. But what about. . . We’re sure that you have questions. Here are a few of the more commonly asked questions, with answers. What if the tenant/buyer tears up the home? There’s no way we can guarantee you our tenant won’t damage the home since we won’t be living with them. Under our agreement, if that happened, we would repair it at our expense. Our objective is to find a buyer who will eventually qualify for a loan, not a “tenant”. Damages are rarely a problem. Again, if it happens, we’ll fix it as per our written agreement. When will you sell the home? We can’t give you an exact time. It will be up to the tenant/buyer to make that decision within the time frame they have. We can tell you we get paid when they buy, so obviously we’ll be pushing them to do so. . . quickly. In the meantime, your payments will be made, which relieves you of the financial burden. How do I know I can trust you? We can understand your concern. We’ll meet face-to-face after you call. We believe we can create a solution that will work for both of us. If not, or if you’re not comfortable after we meet, we’ll shake hands and go our separate ways. Honestly, we view our business relationship more personally than just handling a house. . .We want you to be confident, and able to sleep well every night without worrying about your home or your payments. In fact, we wouldn’t enter an agreement with anyone if we weren’t confident in that person. . .and we don’t expect any less from you. We’re willing devote our time and resources to your house, but only if you feel comfortable with that arrangement. What if the person we put in the house does not pay? Remember that is our problem. If they don’t pay, we will. What if I want to purchase another home? We will give you a contract showing the payments are being made by us, so it will be a “wash”. Example: $700.00 home payment on the mortgage, offset by $700.00 income from contract. We’ll free up your debt ratio so you can qualify immediately. Please let us know if those are your intentions. Why don’t I just list with a Realtor? That’s certainly an option, but obviously a Realtor won’t make your payment for you while they’re attempting to sell your house. We’re willing to make your payment and maintain it until our tenant/buyer gets their own financing. We’ll give it our personal attention, and your can forget about it until our tenant is ready to buy. What do we do now? We know that this is a lot of information to digest at one time, but if you’re still with us at this point, chances are you’re interested in doing whatever it takes to get your home sold quickly! We’ll be in touch with you in the next few days. If you’re ready to act now or have some immediate question, you don’t have to wait for our call. . you can contact us right away at (937)239-2781. If you want an alternative to the stale, conventional ways of selling your home, pick up the phone and call us now! You have everything to gain and nothing to lose! As we said before, if we can’t do business, that’s ok. We buy lots of homes and we don’t have to have this home. We get calls from tenant/buyers every day and we’re always looking for homes for them. Homes just like yours. Just remember that we don’t want to list your home, we want to buy it. We specialize in buying homes quickly. We urge you to let us try. Finally, we don’t know how many months you’ve been trying to sell your home (or thinking about selling) but every month you wait is costing you unnecessary expenses. . .eating up the precious income you work so hard to earn. Your home is an asset. . sell it as an asset. Don’t let it become a liability and a burden. Even a dream home can become a financial nightmare. There’s a real good chance that we can help. . call us today! The phone call will give you more answers. Answers that you need. Don’t procrastinate. . call us today!! Our number is (937) 239-2781!!!