Path2buy Video 1 Consumer Version
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Transcript of Path2buy Video 1 Consumer Version
![Page 1: Path2buy Video 1 Consumer Version](https://reader034.fdocuments.in/reader034/viewer/2022042715/55a25d061a28ab912b8b4761/html5/thumbnails/1.jpg)
Flash Back To 2003
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What’s The Future Going To Look Like?
Realtors Mortgage Originators
Today Is 2003
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The Future…….2011
• House Prices Will Be 10-50% Less Than 2003
• Fixed Rates Will Be Below 4.5%
• Mortgages Will Need 3.5% Down Payment
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This Is What We Thought It Would Look Like!
House Prices
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Supply and Demand
Lack Of Inventory Surplus Of Homes
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Real World
The Real Estate Market Is Stagnant
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20+ Years Of Experience
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Market Rebounds From The Bottom Up
RentersWill Move First
Move-UpBuyersNext
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What Can We Do?
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Are You Going To Be aLifetime Renter?
The Conversation With The RenterNo,
I’m going to buy just not
right now
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American Dream Is In Hibernation
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5 Months Or 5 Years?
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Uncertainty
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Why Aren’t The Renters Buying?
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Rent Or Buy?
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Path2Buy….7½ Reasonsa. Job Insecurityb. Down Paymentc. Credit Scoresd. Debt To Income Ratios
Guidelines
e. Debt To Income Ratios Comfort Zone
f. Mis-Informationg. Mobility/Liquidityh. Waiting For The Bottom
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Job Insecurity1
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Down Payment and Reserves
• 3.5% Required FHA
• 0% Down VA
• Conventional 5%
Reserves
2
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The 22-32 Year Old Renter
Reserves
Hard To Save
Direct Deposit
Debit Card
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The Olden Days
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Credit Scores
• Top Score – 850
• Mortgage Worthy 620
3
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Debt To Income Ratios Guidelines
• Constantly Changing
• Exam All Your Debt
• Strategy For Elimination
Strategy
4
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Debt To Income Ratios Comfort Zone
• What Can You Afford
• Power Home Buying
• Strategy To Net More $$
5
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Mis-Information
Who is Your Trusted Source?
6
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Mobility and Liquidity
• Job Relocation
• Relocate to Improve Career
• New Times Today
7
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Waiting For The Bottom
10% = 1% Rule
7½
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Why The ½?
Housing Prices Are Regional
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Need To AlignTo Educate The Renter
Realtors Mortgage Originators
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Path2BuyCoach Program
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• Develop An Incubation System
• 45 Day Check-Ups
• Address All Of Your Concerns
• Develop Trust And Empathy– No Hidden Agenda
– Willing To Wait Till YOUR Ready
What The Path2Buy System Will Do
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You Need A Plan
Path2Buy
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Path2BuyCoach Program