Diamonds. We love them. Ladies love them. Rent-to-own consultants and gurus love them, too. They’re sparkly. They’re pricey. That’s part of the allure, though, of the diamond, whether it’s a round cut, princess or marquise. However, as fun and trendy as it is for a lovely lady to receive such a radiant treasure, one thing’s for sure — if you just don’t have the funds to buy, you’re out of luck. More importantly, if you don’t find the right jewel for the money, you’re up a creek.
Rent-to-Own Homes Are Just Like That: They’re Those Pricey Jewels We Want so Badly But Can’t Have
In the real estate market, we look for the best deals. These days, it seems, rent-to-own homes are among those best deals, but they’re often difficult to find, hard to negotiate over, and a challenge to traverse through the legal channels of making sure you’re in compliance with an industry already littered with pitfalls. This is why oftentimes real estate agents don’t care too much for the rent-to-own home, because such a contract only involves the landlord/homeowner and the tenant/home buyer. Nobody else. No lawyers (although they can be included, obviously for a hefty retaining fee), no agents, no nothing.
This Is Where Rent-to-Own Consultants Come In
Rent-to-Own Consultants has changed the real estate landscape to a certain degree: they’re the middle man. The advocate. The diamond cutter. With them, they can resolve any need for legal representation, gain access to any list of rent-to-own homes, and even offer affiliate services for anything like credit repair or identity theft protection. They are what they say they are: consultants. And their fee isn’t as pricey as any of those diamonds you’ll find at Jared.
Aside from this review from RTOR, you can even check out Nationwide Property Value’s take on them as well as Assisting Renters’ viewpoint and know the truth: the Rent-to-Own Consultants bring the goods as an affiliate of the BBB A-rated H.O.P.E. Program — in any shape, cut or shine you could ever want in a rent-to-own home.
We definitely should, though. No doubt. Because when it comes to rent-to-own, credit repair’s essential, and it turns out that the BBB A-rated HOPE Program sees the writing on the wall — despite already doing well for customers in credit repair thanks to Lexington Law — and recently reported of their own review of yet another credit repair service out there recently launched.
The Name of the New Credit Repair Division Is INDEPENDENT CREDIT SOLUTIONS
And the department over there is now in full swing to start assisting customers nationwide as this press release states. Sure, it’s all well and good, and we love a good credit score. Without a doubt, homeowners love those shining credit reports, too. But more importantly, the best part of Independent Credit Solutions is the fact that they’re focusing on the one element essential to the success of anyone prospecting for rent-to-own options. It’s all about credit repair.
You’ll need a 640 score, basically. No ifs, ands or buts. Anything lower, and you might be treading through mud during your trek across the swamp of the real estate market, and that’s no fun for those socks and boots you’re wearing. It’s a dangerous jungle out there; you’ll hear that from even your favorite rent-to-own consultant, but what can make it better for you is a pristine credit score brought about by one of the best credit repair service you could ever have recommended by the H.O.P.E. Program.
Take Advantage of It Right Now. Immediately. Your Credit Score Demands It.
We can’t legitimately review such a site as this, though, as this has literally nothing to do with rent-to-own. But what we can do is discuss it. Right here. Right now. Credit repair’s important. You can have all the services in the world, but if you don’t take that first step and follow through with repairing your credit right now by enrolling here, you might be up a creek and lost in the wilderness.
And that’s no place to be right now in today’s real estate industry.
They’re called mortgage trends, friends. Do the research here. Of course, we’re noticing that there’s one major trend going on in the real estate market, and that’s the higher down payment, but perhaps you might want to stick with something lower. That’s okay. Want to know why?
You Have a Budget, and While Down Payments All Over Are Increasing, Some States Are Still Lower Than Others
These States Reported the Lowest Down Payment Averages in the U.S.
- Indiana — The Crossroads of America has the highest of the low averages…. Want to know how low?
- Utah — Utah isn’t high up there either. Check it out right here.
- Kentucky — Now we’re getting a bit higher on that average, but would you like to know just what you’re dealing with in the Derby state?
- Iowa — We’re sitting level with this state’s down payment average, so if Kentucky’s not your state, you can check this one out here.
- West Virginia — Little by little, that down payment average-to-house-price ratio’s getting more interested. Just take a look at this state!
- Alabama — Forrest Gump would’ve loved this ratio and average on home prices and down payments. Check out these numbers….
- Mississippi — And here we have the lowest of the lows…. But just remember: that may be a good thing!
What About the States With the Highest Down Payment Average?
- Vermont — We’ll jump almost 5% from Mississippi’s average down payment with Vermont. Want to know just how much you’ll spend on a down payment for a house here?
- Massachusetts — The average home prices play a role here with the average down payment here. Just keep that in mind!
- Washington D.C. — We’re getting pricier and pricier with this down payment percentage.
- Hawaii — You’ll hula over this percentage on down payments for home purchases.
- New Jersey — And we’re still climbing up the ladder with down payment percentages here. This could be what you’ll spend for a payment….
- California — Did you know that the state here has been leading on home prices (and most likely will continue to lead)? That should tell you a lot about what kind of down payment you might be making for a house over there.
- New York — Still, none of these states can beat this top leader. Here’s the skinny on the down payment average for a home in the Big Apple.
The Question Is This: Where Do You Want to Live?
Boy, competition’s getting fierce up in this real estate market, don’t you think? Home prices are rising. Down payment averages are rising. And the Chinese are still looking to Texas (among other places in the U.S. Let’s face it: America’s looking great. But as Americans, we still want the better bang for our buck! And if there’s one thing that still will cost a pretty penny, it’s a house!
You’ve Got Mortgage Insurance, for Example
It’s a necessity in the industry to protect the lenders. In fact, that’s what allows lenders to offer such low down payment requirements. But here’s the deal – you, the borrower, still need to pay for it. And many, many borrowers might not even realize that mortgage insurance will come out of your pocket. Plain and simple.
Thankfully, certain home mortgage programs offer competitive prices for mortgage insurance, and FHA is one of them – 1.75% of the loan amount is what you can expect to pay for insurance on a mortgage loan. Not too bad. That’s somewhat better than the VA home loan – another favorable program for low-income situations – with a mortgage insurance percentage of about 2.4%. But did you know there’s one home mortgage program out there that beats even the FHA?
You Guessed It: the USDA Home Mortgage
That’s grade A premium beef in the real estate industry, with a percentage of just 2% of the initial loan amount – and to make it even more interesting, the annual mortgage insurance charge is just .5% of the remaining balance over the course of 12 following payments. A much better deal than the .85% annual charge the FHA imposes.
Want to learn more about the USDA home mortgage? Check it out right here. Nothing against FHA, but maybe you want something a bit better. Just make sure you qualify for it! Because when we talk about grade A premium beef cuts, we don’t mean small shanks.
One check of these reviews and the ever-growing social fan base on pages like Facebook and Google+, and you begin to wonder: maybe this H.O.P.E. Program knows what they’re talking about! However, we can understand the skepticism: the real estate market’s cutthroat, what with the growing mortgage trends and the insane home prices skyrocketing like Elon Musk and the SpaceX Program. Perhaps we can get this real estate rocket to land on the barge like they’re planning to do, but make no mistake — H.O.P.E. to Own’s not far from that. Here’s why:
The Fact Is the HOPE Program Doesn’t Have to Claim Anything: the Mortgage Industry Has the Answer:
It’s called the USDA home mortgage. A plan many don’t know about, but many should. To get a home zero down may just be as easy as applying for a USDA home mortgage precisely because this is one of two particular plans where you don’t have to make a down payment — and with down payment averages rising in areas around the nation, that’s great news.
The only other plan out there that allows borrowers to get a home zero down is the VA. Not even the FHA program allows it — typically a 3.5% down payment is customary, and that’s pretty low compared to some of the averages we see. You can imagine that as you discuss your plans with your rent-to-own consultant about the time coming for you to buy the property you’re living in, if you want to save on that down payment, chances are you might want to go with a USDA.
To Get a Home Zero Down, the Main Point Is This:
The USDA home mortgage program will actually lend a loan that could very well be up to the property’s actual appraised value! That’s saying a lot. Forget the down payment. You’re basically golden with the USDA home mortgage. Sign up right now to find out what your options are, and then get in contact with H.O.P.E. today. You never know — the USDA might be right for you. Learn more about the USDA right here.
The post The HOPE Program Says You Can Get a Home Zero Down appeared first on Your Rent-to-Own Consultants.
Don’t get us wrong, though: the USDA mortgage is quite the secret in the real estate market. Just check this article out for yourself. If there was a way for someone to get a home loan approval fast and easy, it would be the USDA. But there are certain guidelines to keep in mind.
Keep an Eye on Your Income and Your Debt
And That’s What the Mortgage Guideline Is For:
Twitter knows everything real estate these days. Buying a home? You’ll find it in a tweet. Have you browsed the trends lately? Selling homes on Twitter’s huge these days. The whole of social media, in fact, knows home selling like the back of its digital hand, and don’t even get us started on real estate investment. There’s a big cash cow there, especially when researching property values on Zillow, so if you’re looking for a little know-how, honestly, you might as well find it online.
And You Find That Relevant Information Through Retweets of Anything and Everything Real Estate
Why? Not only is it good information — it’s relevant information. This is information passed around right now. Who knows — you might even read this information and realize what’s not only trending in everything real estate, but active in the world today, on the news, in your neighborhood, and basically everywhere you look. So it’s in your best interest to check out these articles on everything real estate on retweet from the top professionals in the industry:
- Want Hyperlocal News on Everything Real Estate? — You get that on the Twitterverse right here.
- The Mortgage Industry’s Trending Right Now, Too — And you better be prepared by checking out this article on the best retweets out there.
- Everything Real Estate Technology and Social Media Innovation — What’s great for the market? New technology. Want to know what’s working in the Twittersphere?
- Thinking About Real Estate Investment? — There’s a wealth of information there as well, among other topics for real estate professionals, if you click here and look for yourself.
And More and More Retweets Keep Cropping Up as We Speak
So it’s in your best benefit to be involved. Get on social media. See what’s cooking. Tweeting. Trending. Check out the hashtags. Look to the predictions of everything real estate. Information is power. Trust us.
That’s the one thing many first-time home buyers stress on the most: the money. “Will we have enough for a down payment? “What about taxes?” “How will we cover closing costs?” You can watch the stress bleed out of their pores and cause hernias without lifting a single piece of furniture during move-in day. And the sad fact is this — they really should be stressed, because the real estate market is cutthroat. It’s deadly. It’s wicked.
But We Have the Secret Tools, the Hidden Resources, the True Real Estate Money-Saving Tips You’ll Need to Actually Make It Easy
And it’s not like a lot of these tips we have are often advertised all over the Google search engine either. Sometimes you might even find your real estate attorney, broker or agent might neglect to mention any of these, not for lack of thinking about it, but because they don’t know you need the help. It’s all about communication.
So this is us communicating with you. You have options. You have possibilities to get into that home with zero down, potentially. You have the ability to work on getting into that RTO home, collaborating with the landlord, and then exercising your lease option-to-buy like a champ. All you need to do is take advantage of these three real estate money saving tips:
- Don’t Be Afraid to Ask Your Lender About the Mysterious “203(k)” — What’s the “203(k)”? You’ll find out right here.
- Cash Gifts Count for That Down Payment — Yes, your income factors into that down payment, but here’s the thing….
- Cash Gifts Also Count for Your Closing Costs! — We know it sounds too good to be true, but who knows: you can ask your lender, and you might get lucky. Just how much could you save? Click here to find out.
And that’s just the start….
Real Estate Money Saving Tips at Its Best
You have to remember that the real estate market is only as healthy as the people who are willing to take the chance and buy those properties out there. Developments rise up; but they’re useless unless someone’s willing to move in.
So investigate. Research. Learn. There’s a lot of help out there, and with our market continuing to grow, these real estate money saving tips will only just be the beginning. CLICK HERE TO LEARN MORE ABOUT DOWN PAYMENT AVERAGES IN OUR COUNTRY.
We’re really starting to get into this Twitter language with the “at” symbols and hashtags. Thankfully, we here at the Complete Real Estate Site see the need to modify the English language a bit given the influence of Twitter on the real estate market. In particular, it seems that this one real estate guru by the catchy name of @Starwise (alias: Pierre Roustan) has a certain affection for the content we’ve delivered in the real estate market, and it shows with the amount of visibility and interest among the social media community.
In Other Words: We Apparently Know What We’re Talking About at the Complete Real Estate Site
Research, research, research. We want to constantly be in the know about the content out there, and we also wanted to backtrack and see how content’s circulating in cyberspace. So what did we do? We gathered the top four tweets regarding everything from home selling to home buying in real estate. Check it out right here:
— Pierre Roustan (@Starwise) August 31, 2015
— Pierre Roustan (@Starwise) September 2, 2015
— Pierre Roustan (@Starwise) August 28, 2015
— Pierre Roustan (@Starwise) August 31, 2015
The Metrics Hear Show Incredible Traction on the Valuable Content
And for good reason: what you learn here is all due to social media, a vehicle for selling homes that’s unprecedented. Likewise, other platforms out there make their stamp in real estate, like Pinterest, YouTube, Facebook, and even blogging! Undoubtedly, the BBB A-rated HOPE Program utilizes it tremendously as well through their Google+ page, and even home renters and rent-to-own enthusiasts recognize that without social media, the market’s dead in the water as many scramble to even find the listings out there that are like golden nuggets. Face it: real estate benefits completely from social media….
But just in case you wished for even more of that insider’s look on a real estate industry that could change at any moment, you can rest assured: here’s where you’ll find it, right here at the Complete Real Estate Site.