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What is A Home Buyer Opportunity Review and the

Comprehensive Home & Asset Management Program?

If what you thought you learned about the real estate market from the media turned out to be Absolutely Wrong, when would you want to know? As the media has gotten caught up in the pace of news these days, only having literally seconds to share a story, often the real story is either glossed over or just down-right miss-reported. The truth is that there are relatively few factors that can create more financial success than owning a home, and according to most industry experts, there has not been a better time to BUY real estate in the past 30 years. If you are already a homeowner, I know on paper it looks like you may have lost a lot of money recently, but hang in there, It will take time, but real estate values will reverse course soon. And if you have to move right away for some other reason, keep in mind that generally all properties in the area have been equally affected, and there are still many ways to maximize your financial situation in this current market. SPO let us help you plan for how to capture these opportunities through our Comprehensive Home & Asset Management Program.

IF YOU ARE RENTING or for whatever reason missed out on the biggest real estate bubble ever, pat yourself on the back. You are in the ideal position to benefit.

Buying a home is an investment. There are three time tested keys to success when investing:

1. “Sell into a bubble, and buy when there is blood in the streets.” (Buy low and sell high.)

2. Despite the havoc emotion wrecks on our expectations, markets don’t go up forever, nor do they plunge to zero. Rather they ALWAYS revert to the historical mean for price appreciation.

3. When you can, use other people’s money (O.P.M.).

To be a successful investor you must stay calm in the face of adversity, and move in the opposite direction of the crowd. If you want to invest like Warren Buffet, follow these rules. I can’t guarantee you will catch up to Warren or Bill Gates, but with patience, over time your fortune will rise.

If you want to get rich, don’t look at the guy at your own level, look at the wealthy and ask, “What are they doing differently.….and why? For middle class America, properly managing their home’s equity in alignment with their overall financial strategy, over time can be the difference between being able to retire when they want, versus not being able to retire at all. Sadly though, many clients come to us looking at the process of getting a mortgage in a vacuum, not think at all about how this decision will affect their financial future. Most clients also come to us not fully realizing the power of a mortgage and home as a financial tool. So for many our unique Comprehensive Home & Asset Management Program is a huge wake up call. Think about it for a second, would you ever take several hundred thousand dollars and invest it solely based on the recommendation of the Media, society and your peers; realizing that their information is more than likely outdated? The fact of the matter is that by the time the media figures out that a financial trend is taking place; often the real opportunity has passed by.

So don’t make the same mistake with your financial future! Let us show you how to properly achieve your financial goals by completing and sending back the attached pages included here.

Now is the time to discover the best way to safely put your monthly housing expense to work for you, and learn a strategy that will get you well on your way to financial independence. The sooner you are introduced to the principals of the Comprehensive Home & Asset Management Program by completing the Home Buyer Opportunity Review the sooner you will be on the road to a brighter financial future.

The Home Buyer Opportunity Review includes four primary actions:

1) A review of your income. As a rule of thumb, the mortgage payment including principle, interest, taxes, and insurance should not exceed 28% of your pre-tax monthly income.

2) A review of your credit report. Credit and income is where the banks have tightened their lending standards. We want to be sure your credit card and installment debts (car and student loans) are properly reviewed, and that any issues are addressed and rectified upfront.

3) Analysis and explanation of how the tax benefits of home ownership apply to your specific situation. Before investing in a new home, it is important to fully understand the tax benefits, such as deducting the mortgage interest, and real estate taxes. In addition, there are special credits for first time home buyers. All typically means increased cash-flow to your household.

4) Rental cost analysis: What is renting really costing you? This report will give you an accurate look at exactly how much you will potentially gain in savings & equity over the period of time you plan to live in your new home. For example if you are currently paying $750 a month for rent, over 5 years is over $45,000 spent, versus purchasing a $125,000 house, which could add over $30,000 to your net worth in just 3 yrs, (at normal average real estate appreciation rates of 5%)… and what will you have 5 years from now if you continue renting?

5) Determine how much you can afford, given your budget or the price range of the home you want. The above gives us all the data, now we factor in your budget and/or price range and give you an honest assessment and accurate projection of how much it will cost to close and to maintain on a monthly basis. If you don’t have a budget, we’ll help you develop one.

6) Selecting a real estate agent. Recommendations and some guidelines for selecting a real estate agent are provided.

“Knowledge is power.” If you are in the market for a new home we want you to approach what will likely be your largest investment from a position of power. So take advantage of the Homebuyer Opportunity Review. It will save you time and potentially lots of money. It is a buyer’s market. If you are informed and ready, you could be moving into your dream home sooner much sooner than you thought possible.

Home Buyer Opportunity Questionnaire

As part of our Comprehensive Home & Asset Management Program we will help you develop your financial success over the long term, to ensure that you are in the best position based on your goals and current market conditions. Now is the best time to be sure you have the right strategy in place so you can have a plan to maximize your financial acceleration. Also with this goal in mind, we want to make sure that you are aligned with the right advisors so that you and your family have the best chance of reaching your financial goals, faster than you may have ever dreamed possible. In order for us to provide you with the most accurate and professional Comprehensive Financial Analysis, it is necessary for us to learn about your current situation. Please take a few minutes to answer the following questions:

1. Is the home purchase for?: Primary Residence Second Home Investment

Or Not purchasing property at this time (if checked, skip to question 18)

2. How soon are you thinking of buying?

Immediately 2-6 months >6 months

3. What price range of home is appealing to you? $

4. What type of property are you looking for?

Single Family Town Home Condo (high, mid, low) Multi Family (2, 3, 4 unit)

5. Preferred Location (County/ Suburb or Township)

6. Preferred Age Of Home

New Construction ................
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