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Discovering the Finance Difference

Discovering the Finance Difference. Pat Zaby, CCIM, CRS, RFC. © 2011 Pat Zaby, Inc. Discovering the Finance Difference. Pat Zaby, CCIM, CRS, RFC. © 2011 Pat Zaby, Inc. Page NIB. Page 7. What Buyers Want Most from Agents. Financing-2%. other - 2%. Comps-6%. Qualify buyer-3%.

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Discovering the Finance Difference

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  1. Discovering the FinanceDifference Pat Zaby, CCIM, CRS, RFC © 2011 Pat Zaby, Inc.

  2. Discovering the FinanceDifference Pat Zaby, CCIM, CRS, RFC © 2011 Pat Zaby, Inc.

  3. Page NIB

  4. Page 7 What Buyers Want Most from Agents Financing-2% other - 2% Comps-6% Qualify buyer-3% Help w/paperwork-10% Help w/Price negotiations- 12% Help find the right home to purchase – 51% Help buyer negotiate the terms of sale-14% NAR Profile of Home Buyers and Sellers 2010

  5. Page 7 What Buyers Want Most from Agents other - 2% Financial Advice& Negotiations 47% Help find the right home to purchase – 51%

  6. Building a Lifetime Brand

  7. Page 1 Point of Difference I help people understand the tax advantages, financing alternatives, and investment aspects of homeownership and what makes now an incredible time to buy.

  8. Page 8 Types of Property PrincipalResidence Place you live IncomeProperty Sec 1231 InvestmentProperty Sec 1221 Dealer Property Inventory

  9. Page 9 Graduated Federal Income Tax Thresholds 2010 Married Filing Jointly Table Marginal Tax Brackets $379,150 > 35% When taxable income exceeds…you pay or save at your marginal rate $212,300 > 33% $139,350 > 28% $69,000 > 25% $17,000 > 15% $0 > 10%

  10. Page NIB Refinanced Mortgage Refinance Personal Debt Refinancing Home Equity $100,000 max SubstantiallyImprove Original Mortgage OriginalMortgage Acquisition Debt OriginalMortgage Acquisition Debt Unpaid Balance Acquisition Debt Unpaid Balance Acquisition Debt

  11. Page 19 Pre-approval Gives You Confidence • Amount you can borrow • Bargaining power • Close quicker • Discover issues early • Establish best loan • Look at the “Right” homes The “Right” home without financing will never have the Buyer’saddress!

  12. Page 23 “A” FICO Score Payment History Amounts Owed Length of Credit New Credit Types of Credit 740 300 850

  13. Average Fixed Rates Qualifying Required VA - 3/1/88 FHA – 12/14/89

  14. Page 37 RFC Financial Apps BUYER SELLER Rent vs. Own BUYER & SELLER

  15. Page 37

  16. Page 43

  17. Page NIB Type of Mortgage

  18. Page 48 RFC Financial Apps BUYER SELLER ARM Comparison BUYER & SELLER

  19. Page 50 Adjustable Rate Mortgage Components

  20. Page 48

  21. Page 51 RFC Financial Apps BUYER SELLER Interest Affects Price BUYER & SELLER

  22. Page 51

  23. Marketing Pages ½% increase in rates equals 5% decrease in priceThe Buyer can afford less home for the same payment Current Rate  +.5%  +1%  +1.5% 100%  95%  90%  85%

  24. Marketing Pages ½% increase in rates equals 5% decrease in priceThe pool of qualified buyers shrink Current Rate    +.5% +1% +1.5% 100%    95% 90% 85%

  25. Member.patzaby.com/app/DFD/test Page 91

  26. It Really Will Make a Difference! www.ResidentialFinanceConsultant.com www.PatZaby.com 972-407-1337

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