Hey, what's going on?
It's Scott Taylor with sandiegorealestatehunter.com.
Licensed to the state of California, for both real estate and mortgages, with an emphasis on San Diego.
Now, I wanted to shoot this unprofessional, kind of off the cuff video, because I know right now you're on my Facebook page or of YouTube or Twitter or Pinterest or Google Plus or wherever you are in the socials.
And you've heard about things or maybe you've gone to my website, sandiegorealestatehunter.com and like, “you know what? I want to buy a house, I want to buy a condo or I want to buy a town home but I don’t really have any money”.
And you've probably done some research, you've seen things like there's a platinum program available or there's [Cal H.F.A] or there's M.C.C. tax credits or first time home buyer programs there’s down payment assistance, there’s closing cost assistance, the [inaudible 00:01:03] Housing Commission, the [inaudible 00:01:04] fund, the one percent down, two percent equity match, blah, blah, blah.
It gets confusing and you're probably thinking,
“This is way too confusing for me, like I really don't have any idea what's going on and the more I read the more you confuse. All I know is, I want to deal with somebody that knows what they're doing.”
So, I wanted to create this video, because I totally get it.
I totally get this stuff can be confusing.
You do a good job and you do due diligence and you go to my site or you go to Cal H.F.A’s website of San Diego Housing commission or you might even talk to some people, you might talk to some lenders and the lenders are like, “you know what, we actually don't do that or that doesn't exist.”
It does, it does exist.
I help people all the time in San Diego and throughout the state of California with this stuff, where we find money for the down payment, we find money for the closing costs, we structure things correctly, we do creative ways to get the M.C.C. tax credits to potentially reduce your mortgage interest liability come tax time.
That's what we did.
So, here's what I want you to know.
You don’t have to know this stuff; you have to deal with somebody that does know this stuff.
And guess what?
If you’ve seen my website, we have over five hundred or articles, some I've written, some writers, some experts, some people that just know this stuff, on the topic.
We know this stuff inside and out.
Here's what I want you to know.
If you make thirteen thousand dollars per month or less;
Yes, I said, thirty thousand dollars per month or less, if you're middle [inaudible 00:02:42] score is a six forty or higher… and by the way, I want to say something.
I do it too, if you use Credit Karma or Credit Sesame or annualcreditreport.com, fantastic for making sure that your debts are accurate, not so good on credit scores.
When I pull your credit at some point or somebody pulls your credit, it's usually higher than those, so don't go off with us.
But that’s the point.
If you have a full time job and you've had that job for at least two years, three spare, but at least two years with steady income and you file taxes and have tax returns and W2s and you have banks statements and pay checks and a driver's license and a social security card and some of the basic stuff.
Blog Post Interrupt – What is a “No Cost” Loan?
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If you have that, you're in good shape.
We have first time home buy programs, you don’t have to be a first time homebuyer.
We have down payment systems programs, but you don’t have to use it for down payment.
We have closing costs assistance, there's a lot of fantastic programs.
So, if you want to right now, I'm assuming someplace, wherever you're watching, below the video, to the side, to the above.
Maybe it’ll flash like blinking lights, we’re going to put a link, you're going to click on that link, in thirty seconds you’re going to answer some questions to help me and my team best serve you.
You're going to answer some questions, okay. As soon as you're done answering those questions, you're going to get informational videos.
Now, there's good news about that and there's bad news, okay.
The bad news is, you have to look at me and hear my annoying voice for, I don't know how many videos and minutes, but the good news is, I know what I'm talking about and I can break this down very, very simple, so you can easily understand.
All of the videos will be right there, there's no catch. You can watch those videos.
Now, when you fill out those forms, I'll be honest;
I want your real phone number and I want your real email address, because as soon as I get that, hate to tell you, I’m going to contact you because I want to help you, I want to help you out.
I don't want you to be left in the cold, I don't want you to be renting, if you don't want to rent, okay.
So, I'll send you a couple of emails, they’re going to come to you.
Probably more educational videos, it’s about education, so you know it exists.
I might send you a text or two. I'm going to call you on the phone and say,
“hey, can I help serve you? is there some way that I could help you out? After watching those videos, do you have questions that I can answer for you?”
Or maybe your question is,
“Scott, you know what, I don't really know about this stuff, but I have a job, I have pretty good income, I have pretty good credit, it seems like you know what you're talking about Scott [which I do], so I would love to work with you.”
So, here's what you would do and you could do it now if you want.
You could go to scottsloanapp.com
From there, you would fill out the online application, it takes you twenty minutes or less to fill it out.
You can do it on your phone and you can do it on your computer, you can do it on a smart device, you could do it on anything.
As soon as you’re done with that, I get an alert, I'm going to run your credit.
You don't pay for it, I'll pay for it, you have no risk, and I’ll run your credit.
We’ll have your application, we’ll have your credit score and we’ll have your debts.
If your application is somewhat accurate, we know your debts are, we know what your credit score is,
I’ll call you up and say,
“You know what, this is looking pretty good”.
If you supply me all of your documents, like things I said before and I'll send it to you.
If you supply that stuff and you upload it via my websites or send it to me via e-mail and you get me those documents within about twenty four hours, my team going to process this and we're going to know what's best.
We are going to tell you which programs best for you.
And then based off of that information.
We’re going to get you approved for a mortgage, you're going to know what your down payment is if any, you're going now which loan program you're getting, interest rate and closing costs.
You’re going to know what the closing costs are and how the assistance or maybe if not, how to structure your offer so when you do find a place, that you can structure your offer correctly.
That's it, that’s all I want to do, I just want to do an off the cuff video, to let you know I'm here to help you and I'm here to serve you.
The best way to do that, is to look below this video to the side above the flashing lights, click on that link and get started.
I look forward to serving you soon.
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