Realtor Tools
- Conventional Mortgage Qualification Chart – This table gives you a rough estimate of the loan amount your client would qualify for if they have a 20% down payment with $0 debt based upon their annual income. Download a copy of the Conventional Financing Qualification Chart.
- FHA Financing Qualification Chart – This table gives you a rough estimate of the loan amount your client would qualify for if they have a 3.5% down payment with $0 debt based upon their annual income. Download a copy of the FHA Financing Qualification Chart.
- What is FHA? – Because of decreased home prices and FHA’s recent permanent increase in its loan limits, the FHA Financing programs have once again become available to Bay Area home buyers. We have prepared a one page Why Choose FHA flyer to explain the benefits of the program to your clients. As FHA only requires a 3.5% down payment and allows for seller concessions, it is a great program for buyers who have the income to qualify to purchase a home but do not have a substantial down payment.
- Seller Interest Rate Buy Down – As the market becomes more and more competitive, sellers have to do more to attract potential buyers to their property. One very popular seller concession is the seller interest rate buy down where the seller gives the buyer a certain amount of money to buy down their interest rate. Reducing the interest rate can significantly lower the monthly mortgage payment without reducing the sales price of the home, thus opening up the property to more home buyers while keeping your sellers happy. I use the Seller Buy Down Flyer to present this option to your seller and answer any questions they may have.
- Financing Flyers – Make your listings available to more home buyers with creative financing flyers. Sample #1 and Sample #2
- Advertising of Financing Incentives for Your Listing on Craigslist – Craigslist is the number 1 website consumers visit to look for real estate for sale. Why not have more coverage? I will post your listings to Craigslist and pass along all of leads I receive.
- Rate Update – Weekly I send a Rate Update to keep you apprised of mortgage market trends and mortgage interest rates.
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