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That's right. You can buy a luxury home with as little as 5% DOWN if you have good credit and show no income (seller participation may be required); and for as little as 10% down with poor credit, a bankruptcy, or not showing any income. Depending on your financials, we may even be able to put together a deal for TOTAL LEVERAGE or ZERO DOWN (Seller participation may be required in some instances). How do we do it?, you ask. Well, that's our specialty!
If you have poor credit and your income statement shows no income on your tax returns, we have about 30 homes in Scottsdale and Paradise Valley where the seller will finance the whole transaction with just 10% down. With good financials, I have seven [7] lenders with Zero Down Payment loan programs. If you have bad credit or need a no income qualifying loan scenario, I have two [2] lenders who will finance up to 80% of the purchase with the seller financing the remaining 20%; and depending on your FICO score you can achieve up to 100% financing on these loans. If you have a combination of bad financials, a bankruptcy, self-employed or stated income they may want to see 5% to 10% of your own funds in the deal and possibly with the seller financing a portion of the purchase. Either way, I will find you a seller willing to finance a portion of their equity, meaning that there is a lot of flexibility regarding the financing mechanism here for you. I have been structuring transactions like this throughout my career...some 34 years.
Funny, but I've had many clients in the past who thought they could not qualify to buy a home, primarily because of bad credit, a bankruptcy, or self employment. For example, I just helped the Quesada family buy a luxury home with just 10% down. The Quesada´s had a bankruptcy that was discharged less than 18 months previous and did not have a lot of new credit since the discharge. But, because they showed a decent income and had 10% down, they were able to buy a home they really wanted.
The best part is, when you retain me to help you, you pay me NOTHING! Most likely the homes I send you will be listed by another real estate agent or be a "For Sale by Owner" [FSBO"]. Listing agents represent the Seller´s best interest and their fiduciary responsibility is to produce the highest price for the Seller. Buyers need proper representation. As an Accredited Buyer Representative (ABR) YOU will have someone who will represent YOU, look out for YOUR best interest and negotiates the best possible deal on YOUR behalf. This is what I bring to the table. And most importantly, it doesn´t cost you one single solitary red American cent! The seller (or builder) will pay my fee.
I have been in real estate for over 10 years and have helped people find the best buys on luxury homes with creative financing terms throughout my career. In fact, I just completed a transaction for the Vallentine family and helped them purchase a $440,000 home for just $360,000. The Vallentines are ecstatic and I would love to be able to do the same for you.
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Sheila Berkowitz ABR, CRS, e-Pro, GRI, RECS
RE/MAX Fine Properties
8901 E. Mountain View Rd. #201
Scottsdale, AZ 85258
Office: (480) 947-7355
Mobile:: (602) 469-8600
Toll Free: (800) 406-1957
Fax: (775) 535-4798
E-Mail: sheila@azhome4you.com
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6118 W Piute Avenue, Glendale
View Details
6118 W Piute Avenue
Glendale
Arizona
Single Family Home
2 161 SqFt
$ 364 950
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4016 E Evans Drive, Phoenix
View Details
4016 E Evans Drive
Phoenix
Arizona
Single Family Home
1 064 SqFt
$ 239 400
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