Dear Tenant:

This may be the most startling real estate news you have ever read. . 

I know you heard it many times before...from different sources.. perhaps you learned about this by reading books about it. . . some, may even attended seminars or watch videos hearing the same advice over and over again: 

“Homeownership  is always better than renting”

But nothing has changed ! -- 

All that well-meaning advice and educational materials didn't work …why? 

I’ll tell you why, 

It is because it requires for you to take action and break through whatever is holding you from becoming a homeowner. 

It is because of the fear of not having enough money to qualify?

or not having enough credit so you can get a mortgage?

Why even try? — right? 

I promise you ....that’s going to end today, 

because. I’m about to reveal to you the 4 Secrets your landlord does not want you to know. .  

These are the same 4 secrets that has kept many people from becoming homeowners month after month — year after year - life after life....yikes!  

This has cause them to lose literally thousands of dollars every single year.

So, now you are asking...What are the FOUR SECRETS?

Well, I’m not going to just tell you about it…

Instead, I want to show it, reveal it and expose them...

one by one…

Right here -- right now!  --- ready? 

Home Values — Overall Increase Year after Year

Not exactly what you expected to be a secret.. right? 

Look, I'm not going to bore you to death showing you charts and statistics about why buying a house is better than renting on the long run, 

or insult your intelligence with facts such as this: 

"In a study completed by the National Association of Realtors (NAR) they found the price of existing homes increased by 5.4% annually from 1968 to 2009"

This is really the same boring message- you’ve heard it a thousand times before..

Today, I’m going to show you how home values increases year after year by dissecting one sale that took place on December 18, 2012 in Germantown Maryland

From Public Records — Montgomery County Maryland Courthouse

On December  18th 2012, this beautiful 3 bedroom 2.5 baths townhouse was purchased for exactly $229,900

How do we know this? 

Public records. 

The information about "all home purchases" (and terms) are recorded among the land records in the courthouse where the property is located.

This is the public records for this particular property HERE*

This property was financed. . .

A typical monthly payment for a mortgage loan in 2012 was roughly $1500 per month (this is for a $250,000 mortgage loan)

As you can clearly ascertain very quickly . . .on the public records

The same townhouse was SOLD 5 years later (in 2017). . . . .

It Was Sold for $269,000!!!

It generated a profit of $40,900 to the seller!!

$40,900 profit in 5 years means, 

$8,180 profit per year ....

that equals to..

$681.66 profit per month…

That's each month for the whole 5 years! 

$681.66 profit per month --- month after month!

“Holy Guacamole!” 

If the buyer(s) would've rented  this house instead of purchasing, and paying  an average rent  of  $1300 per month. . 

They would've missed out on a profit of $681.66 per month, reducing their housing expenses to just  $618.34 per month!

Imagine that. . .  rental expenses reduced to just $618 per month!

Except, they elected to buy the house, The buyer(s) wanted to become a homeowner... as they get to decide what color to paint the walls without having to ask permission from the  ...“stucklord” 

At this point you might be saying... .

”Ok, I got it...but this is just one case..." 

“Absolutely not. Public records are littered with thousands and thousands of homes purchased under similar circumstances with similar results”

“…and wait, that’s not all!”

You would expect, on this particular case, that rental expenses were cut by $618 per month ..

The actual figure is even much higher than $618 per month. . 

please, read on

 

Tax write-off - Your mortgage interest

This is the biggest and most ignored secrets about the tax benefits of owning a home. 

Did you know that homeowners have the ability to deduct the mortgage interest they pay over the course of a year….plus ..the more recent your mortgage is , the greater your tax savings will be. 

Now, let me ask you a question? 

How much of your rental payments you get to deduct from your income taxes at the end of each year? 

Answer: 

"Zero!. ..you’ll get zero deductions for being a renter"

This is another secret that  your landlord does not want you to know…

and you know what else your "stucklord" does not want you to know?

Keep on reading... 

The “Comfort Zone” — The Biggest Obstacle That Keeps Tenants…Tenants

Landlords know most people always look for comfort first..

and once tenants are comfy and snuggly....they just don’t want to leave.

Tenants sometimes get stuck staring over the edge of their comfort zone, from a safe

money losing situation. 

Becoming a homeowner takes time and effort, that's what's holding them back, unable on making the decision of going  forward. 

It’s a lot easier, 

not having to move...

Just staying comfy and snuggly.. .month after month, year after year

Stuck with the stucklord!

While losing thousands of dollars year after year..

Don’t make the mistake of blaming your present situation to 

low credit scores and/or lack of money for your downpayment

…in reality

people who had BAD credit and NO money for the downpayment are buying homes every single day. 

which this brings us to the last secret...

The solution for bad credit and lack of money

Bad Credit: 

If you have bad credit, you’ll  have to fix this first. 

The problem is that you need help and you don't know who to call? 

You need to leverage this need and connect with someone who has a vested interest on helping you repair your credit

That person is your friendly local real estate professional

They love to help you fix your credit so…you can buy a house with them (That's how Realtors make a living

If you are serious about this and you can display a sense of “loyalty” towards your real estate agent, I can assure you, they will move the world for you!

In your case...

I want to become that real estate agent that will partner with you and get you started on the road to homeownership

All you have to do is call my direct number and ask to be included in my "Credit Repair Program"

Just call during business hours, 301-246-0001 and ask for Fernando Herboso and let me help you take your first step today!

The Money Issue?

"But, what if If you need money for the down payment as well?"

Now that you are hearing about these 4 secrets, you are running out of excuses not to proceed. 

There is also a simple solution to obtain the necessary money needed  to buy a home…but first, you have to qualify

The biggest closing costs of all is your down payment. In reality, its not a cost after all… It is part of the payment for the house. 

The real problem is that the mortgage lender wants you to put this money plus closing costs. .  in advance!

What a dainty, finicky fastidious nit-picking bankers sometimes can be…

But don't worry, 

I can help you qualify for this as well…

Normally when purchasing a home, you will be required to pay upfront  

10%? , 5%?, 3.5%? 

Let's find what could you qualify for in form of downpayment assistance

Did  you Know That There is one Maryland Government Grant That Could Help You Pay For Your Home in 2018

Thousands of Maryland residents are eligible for these little known no-interest loans 

to help residents buy their first home...

...very few take the initiative in taking the right steps seeking an approval. 

Let me give you an example of one little known program: 

Montgomery County authorities are determined to increase homeownership inside their jurisdiction and they are willing to give qualified applicants a ZERO percent Down Payment assistance loan up to $25,000!

Yet in another program, if your total household income is $150,000 or less, you may qualify for up to $8,500 grant reserved only for First Time Home Buyers

These programs have limited allocated funds and applications are taken on a first-come-first-serve basis.

Homebuyers are required to complete a Homebuyer Education Class to participate in this program without exception and it is not available for investment property…you must take residence at the property.

The Bad News:

Unfortunately, these limited grants are depleted the moment they become available. 

NOTICE: 

Some of these programs still have  funds available for 2017. 

You’ll need to apply before January 1st 2018 to take advantage of these FREE INTEREST GRANTS

You must sign in before January 1st 2018….but you are allowed to wait and buy your house anytime during 2018

Sign up the form below before January 1st 2018 . . we are assisting people on a first come first serve basis

The Good News: 

By signing the form below, we will help you prepare an  application and guide you through  the red tape to get your name in…

For a private consultation to help you on the preparation to buy your first home, call  Fernando Herboso Just Call 301-246-0001

or SIGN UP THE FORM BELOW

Note: 

Perhaps no situation facing first time home buyers is more frustrating or fraught with potential for misunderstanding and missed opportunities than buying a first home. This is why we offer you everything you need to take advantage of all the opportunities that are in place in a local level to help you obtain your goal.

Sign up and let us start working for you! 

Our services are FREE OF CHARGE for first time home buyers!

THANK YOU!

   

Dear Tenant:

This may be the most startling real estate news you have ever read. . 

I know you heard it many times before...from different sources.. perhaps you learned about this by reading books about it. . . some, may even attended seminars or watch videos hearing the same advice over and over again: 

“Homeownership  is always better than renting”

But nothing has changed ! -- 

All that well-meaning advice and educational materials didn't work …why? 

I’ll tell you why, 

It is because it requires for you to take action and break through whatever is holding you from becoming a homeowner. 

It is because of the fear of not having enough money to qualify?

or not having enough credit so you can get a mortgage?

Why even try? — right? 

I promise you ....that’s going to end today, 

because. I’m about to reveal to you the 4 Secrets your landlord does not want you to know. .  

These are the same 4 secrets that has kept many people from becoming homeowners month after month — year after year - life after life....yikes!  

This has cause them to lose literally thousands of dollars every single year.

So, now you are asking...What are the FOUR SECRETS?

Well, I’m not going to just tell you about it…

Instead, I want to show it, reveal it and expose them...

one by one…

Right here -- right now!  --- ready? 

Home Values — Overall Increase Year after Year

Not exactly what you expected to be a secret.. right? 

Look, I'm not going to bore you to death showing you charts and statistics about why buying a house is better than renting on the long run, 

or insult your intelligence with facts such as this: 

"In a study completed by the National Association of Realtors (NAR) they found the price of existing homes increased by 5.4% annually from 1968 to 2009"

This is really the same boring message- you’ve heard it a thousand times before..

Today, I’m going to show you how home values increases year after year by dissecting one sale that took place on December 18, 2012 in Germantown Maryland

From Public Records — Montgomery County Maryland Courthouse

On December  18th 2012, this beautiful 3 bedroom 2.5 baths townhouse was purchased for exactly $229,900

How do we know this? 

Public records. 

The information about "all home purchases" (and terms) are recorded among the land records in the courthouse where the property is located.

This is the public records for this particular property HERE*

This property was financed. . .

A typical monthly payment for a mortgage loan in 2012 was roughly $1500 per month (this is for a $250,000 mortgage loan)

As you can clearly ascertain very quickly . . .on the public records

The same townhouse was SOLD 5 years later (in 2017). . . . .

It Was Sold for $269,000!!!

It generated a profit of $40,900 to the seller!!

$40,900 profit in 5 years means, 

$8,180 profit per year ....

that equals to..

$681.66 profit per month…

That's each month for the whole 5 years! 

$681.66 profit per month --- month after month!

“Holy Guacamole!” 

If the buyer(s) would've rented  this house instead of purchasing, and paying  an average rent  of  $1300 per month. . 

They would've missed out on a profit of $681.66 per month, reducing their housing expenses to just  $618.34 per month!

Imagine that. . .  rental expenses reduced to just $618 per month!

Except, they elected to buy the house, The buyer(s) wanted to become a homeowner... as they get to decide what color to paint the walls without having to ask permission from the  ...“stucklord” 

At this point you might be saying... .

”Ok, I got it...but this is just one case..." 

“Absolutely not. Public records are littered with thousands and thousands of homes purchased under similar circumstances with similar results”

“…and wait, that’s not all!”

You would expect, on this particular case, that rental expenses were cut by $618 per month ..

The actual figure is even much higher than $618 per month. . 

please, read on

 

Tax write-off - Your mortgage interest

This is the biggest and most ignored secrets about the tax benefits of owning a home. 

Did you know that homeowners have the ability to deduct the mortgage interest they pay over the course of a year….plus ..the more recent your mortgage is , the greater your tax savings will be. 

Now, let me ask you a question? 

How much of your rental payments you get to deduct from your income taxes at the end of each year? 

Answer: 

"Zero!. ..you’ll get zero deductions for being a renter"

This is another secret that  your landlord does not want you to know…

and you know what else your "stucklord" does not want you to know?

Keep on reading... 

The “Comfort Zone” — The Biggest Obstacle That Keeps Tenants…Tenants

Landlords know most people always look for comfort first..

and once tenants are comfy and snuggly....they just don’t want to leave.

Tenants sometimes get stuck staring over the edge of their comfort zone, from a safe

money losing situation. 

Becoming a homeowner takes time and effort, that's what's holding them back, unable on making the decision of going  forward. 

It’s a lot easier, 

not having to move...

Just staying comfy and snuggly.. .month after month, year after year

Stuck with the stucklord!

While losing thousands of dollars year after year..

Don’t make the mistake of blaming your present situation to 

low credit scores and/or lack of money for your downpayment

…in reality

people who had BAD credit and NO money for the downpayment are buying homes every single day. 

which this brings us to the last secret...

The solution for bad credit and lack of money

Bad Credit: 

If you have bad credit, you’ll  have to fix this first. 

The problem is that you need help and you don't know who to call? 

You need to leverage this need and connect with someone who has a vested interest on helping you repair your credit

That person is your friendly local real estate professional

They love to help you fix your credit so…you can buy a house with them (That's how Realtors make a living

If you are serious about this and you can display a sense of “loyalty” towards your real estate agent, I can assure you, they will move the world for you!

In your case...

I want to become that real estate agent that will partner with you and get you started on the road to homeownership

All you have to do is call my direct number and ask to be included in my "Credit Repair Program"

Just call during business hours, 301-246-0001 and ask for Fernando Herboso and let me help you take your first step today!

The Money Issue?

"But, what if If you need money for the down payment as well?"

Now that you are hearing about these 4 secrets, you are running out of excuses not to proceed. 

There is also a simple solution to obtain the necessary money needed  to buy a home…but first, you have to qualify

The biggest closing costs of all is your down payment. In reality, its not a cost after all… It is part of the payment for the house. 

The real problem is that the mortgage lender wants you to put this money plus closing costs. .  in advance!

What a dainty, finicky fastidious nit-picking bankers sometimes can be…

But don't worry, 

I can help you qualify for this as well…

Normally when purchasing a home, you will be required to pay upfront  

10%? , 5%?, 3.5%? 

Let's find what could you qualify for in form of downpayment assistance

Did  you Know That There is one Maryland Government Grant That Could Help You Pay For Your Home in 2018

Thousands of Maryland residents are eligible for these little known no-interest loans 

to help residents buy their first home...

...very few take the initiative in taking the right steps seeking an approval. 

Let me give you an example of one little known program: 

Montgomery County authorities are determined to increase homeownership inside their jurisdiction and they are willing to give qualified applicants a ZERO percent Down Payment assistance loan up to $25,000!

Yet in another program, if your total household income is $150,000 or less, you may qualify for up to $8,500 grant reserved only for First Time Home Buyers

These programs have limited allocated funds and applications are taken on a first-come-first-serve basis.

Homebuyers are required to complete a Homebuyer Education Class to participate in this program without exception and it is not available for investment property…you must take residence at the property.

The Bad News:

Unfortunately, these limited grants are depleted the moment they become available. 

NOTICE: 

Some of these programs still have  funds available for 2017. 

You’ll need to apply before January 1st 2018 to take advantage of these FREE INTEREST GRANTS

You must sign in before January 1st 2018….but you are allowed to wait and buy your house anytime during 2018

Sign up the form below before January 1st 2018 . . we are assisting people on a first come first serve basis

The Good News: 

By signing the form below, we will help you prepare an  application and guide you through  the red tape to get your name in…

For a private consultation to help you on the preparation to buy your first home, call  Fernando Herboso Just Call 301-246-0001

or SIGN UP THE FORM BELOW

Note: 

Perhaps no situation facing first time home buyers is more frustrating or fraught with potential for misunderstanding and missed opportunities than buying a first home. This is why we offer you everything you need to take advantage of all the opportunities that are in place in a local level to help you obtain your goal.

Sign up and let us start working for you! 

Our services are FREE OF CHARGE for first time home buyers!

THANK YOU!

   

"Secrets Your Landlord 

Does Not Want You 

To Know"

"Secrets Your Landlord 

Does Not Want You 

To Know"

The examples provided here are general guidelines and strategies which may vary with the type of real estate you are purchasing and the timing of your purchase. This report is to be  considered solely for educational purposes only and you should not rely on it as the primary basis for becoming a homeowner. 

Consult with a real estate professional to guide you through the process of buying a home for the first time. 

Copyright 2017 Herboso & Associates LLC  --    Privacy Policy ---    www.ReallyNiceHomes.com --www.20Funnels.com

The examples provided here are general guidelines and strategies which may vary with the type of real estate you are purchasing and the timing of your purchase. This report is to be  considered solely for educational purposes only and you should not rely on it as the primary basis for becoming a homeowner. 

Consult with a real estate professional to guide you through the process of buying a home for the first time. 

Copyright 2017 Herboso & Associates LLC  --    Privacy Policy ---    www.ReallyNiceHomes.com --www.20Funnels.com

Landlord Secrets

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