Welcome to our Purchasing section

Below is a succinct explanation for what we do for all our purchasing clients, whether the loan is $50,000.00 or $5,000,000.00 we treat you with, respect and with your future in mind.

If you are looking to purchase a home, get a Conventional, FHA, or Jumbo Loan while saving money, planning to pay your home off without changing your lifestyle and securing your credit, then this is the place for you.

Click on the list below or scroll down to learn more.

1. Why we may not be for everyone
2. Before you purchase
3. After the purchase or if you already own a home
4. Why we are different
5. The purchasing and refinance steps

Why we do may not be for everyone Back to the top

Purchasing a home can for the most part be a challenge. Whether it is your first home or your second home, or your tenth home that feeling of "when will this be over" is there at some level. We understand this and want to make your time as stress free as possible, so the process can be easy, and you can see results.

What our clients have in common is the desire to pay off their home as soon as prudently possible and be debt free. Our clients have the end in mind and want to enjoy the later years as soon as they can.

At Educate Homeowner.com we are dedicated to your peace of mind, fiscal literacy, and financial health.

If you are purchasing a home with our preferred lender or just being responsible and doing a yearly fiscal check-up, you will find we are above the rest in many areas. For example:

Before you purchase we will engage in the following:Back to the top

• Going over your financial statements
• Empowering you with a life spending plan that allows you to fully focus on what you can afford
• Sharing with you options to eliminate debt and maximize your tax savings
• We give you options that you may not have thought of
• We make sure you go into the process of purchasing a home whether for homeownership or as an investment with all the cards laid out on the table.

After the purchase or if you already own a home we will do the following: Back to the top

• Assist you in setting up an emergency account to offset any interruptions in your income
• Share with you how to pay off your home in ½ to 1/3 the time without changing your current lifestyle
• Assist with college funds for your children
• On investment properties look at additional ways to increase cash flow
• Protect your credit and enhance your scores
• Eliminate your debt through our proven debt elimination programs
• Help you prepare for retirement and explain why it is never too early or too late to start
• And much more

What makes us different is the amount of dedication we have to excellence. For example: Back to the top

• We are a Certified Mortgage Planning Specialist Company. A certification that requires YEARLY testing and being current on many avenues of lending and investing. Only 1% of the industry has achieved this.
• We are also Certified Liability Advisor Company, graduating from Borrow Smart University and trained in teaching the management of liabilities and developing wealth building strategies.
• Being trained by Crown Financial as a Money Map Coach is another level of expertise that we pride ourselves on.

All of the above and more are the reasons why we stand apart from the rest. Why we guarantee our work, and why we love to help you find new and proven ways to better your financial situation regardless of what stage it is in.

Fill out a contact form and let us help you get started on the rest of your fiscal life.

Here are the steps to purchasing a home OR doing a refinance: Back to the top

1. Meet with a Certified Mortgage Planning Specialist or
2. A Certified Liability Advisor first
3. Get a life spending Plan
4. Go over your short and long term goals for homeownership
5. Fill out an application with our approved lender
6. Receive a Truth In lending and Good Faith Estimate ONCE the application has been signed and your interest in a loan established.(This does not constitute an approval or obligation on either side i.e., the Lender or yours)
7. Make a commitment if you so choose to with the lender
8. If a purchase and down payment monies are needed then we will gladly review your qualifications for County, City, and State and Federal monies.
9. ***Notice*** we can only look at what the criteria is to receive monies for down payment assistance. Our specialists can tell you if you qualify but cannot give an approval. The agencies have the right to change guidelines as they see fit or are requested to do by government agencies, they also may from time to time exhaust their funds for that calendar month and request that all applications be held or reviewed on the following month. Neither Educate Homeowner nor any of our lenders can give a "guarantee" you will get the monies requested.
10. Once you have the monies for down payment and approvals we can (as a courtesy) connect you with a trusted Realtor to assist you in finding a home that is right for you.
11. Once you find a home, a contract is accepted, it passes inspections, appraisal review is done and you have insurance you then will proceed to close.
12. *** Notice*** If any changes occur that would affect your payment or closing costs, generally, depending on the change the lender has to re-disclose this to you in written format and give you additional time to rethink your loan.
13. Once you close THEN our real job starts. We assist you in the following:
• Debt elimination
• Wealth creation
• Paying off your home in ½ to 1/3 the time WITHOUT changing your current lifestyle
• College planning
• Retirement saving
• Long and short term insurances...and much more.

*** Notice*** If this were a REFINANCE do not apply.

When another Mortgage company lied to me while I was 8 months pregnant I did not know where to turn. I was told I would pay almost 8k more in closing costs then first quoted. Then when I was trying to pull out of the purchase due to lack of monies...

L. Duarte , Miami

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