GOLDEN HOME SOLUTIONS LLC LEASE PURCHASE WHY LEASE PURCHASE IS

GOLDEN HOME SOLUTIONS LLC LEASE PURCHASE WHY LEASE PURCHASE IS FAST BECOMING THE SELLER'S FIRST CHOICE To Sell Your Home FAST, EASILY AND EFFICIENTLY as an alternative to traditional methods 34841 MOUND ROAD PMB#341 STERLING HTS, MI 48310 Hello, I specialize in selling homes using a Lease and Purchase program to provide “winwin” solutions for buyers and sellers. This is what I have been doing for several years now and this is what I do best. I obviously intend to make a profit when I produce; however, my profit comes from my buyer, not you. Now, I would like to give you a few examples of how I might be able to help you. In some cases, my buyer comes to closing with the ability to pay off your mortgage, and you receive your equity at that time. This would be a best-case scenario. Another way would be to let my qualified buyer assume your existing mortgage with you being released from any liability for that mortgage. An individual can qualify on your mortgage based on a formula, which considers their credit, income and debt load. I have worked with a number of mortgage companies in the past and know exactly what they are looking for in a prospective applicant. I only work with buyers who can eventually qualify for a mortgage. Most of the time it simply makes more sense to have my buyer lease the house while we're waiting to close. Perhaps the buyer needs time to accumulate the down payment, close on the sale of their old home in another city, or pay off the loan on a car before they can qualify. Whatever the reason, leasing to a buyer not only assures you that you won't have to bear the burden of monthly mortgage payments prior to closing, but it also makes it easier for the new buyer to move forward with qualifying for the transaction. The best part is, your mortgage does not have to be assumable for this to work! Regardless of the type of loan that you have on your house.....assumable, non-assumable, assumable with qualifying, VA, FHA, conventional; my lease and purchase program works for all transactions. 2 THE BOTTOM LINE I take care of your monthly payments, take on all responsibility for the maintenance and upkeep of your property, find a qualified buyer, get them to the closing table and liquidate your asset before it becomes a liability! Now seriously, does it get any better than that? Trying to sell your house can at the very least be a hassle. People who have never tried to sell a home themselves just don't understand all that's involved. The details, the time, the waiting, the people that don't show up after they have made an appointment, the haggling, the expenses, etc. The purpose of this report is to provide you with a better and easier way, an alternative that eliminates the stress and frustration that is normally associated with selling a house. That Alternative is: The LEASE PURCHASE PROGRAM “We knew we had to sell our house fast before we got behind on payments. But our house needed repairs before it was ready to go on the market, repairs that we could not afford. Golden Home Solutions made selling our home a positive experience. We were able to sell our home quickly, at a fair price, without any stress. They took care of everything. We never even had to leave our home, they came to us with the paperwork.. I would recommend Golden Home Solutions to anyone looking to sell their home. Their business is truly the “solution” to any of your home selling problems.” – Debbie Osborne, Eastpointe “Upon meeting Matt, Mr. Compo and myself felt very comfortable. Matt was not pushy or too aggressive in reaching a very easy decision on releasing our property. After signing we told matt that it was a pleasure dealing with him. We think your company is very lucky to have such a nice person working for them. I would do business future wise again with complete ease.” – Jodi Compo, Sterling Heights 3 THE LEASE PURCHASE PROGRAM Why should I consider Lease Purchase? There are several advantages for you to consider. 1. 2. 3. A fair sales price for your property (no haggling). Large market of available buyers at all times. Better quality occupants because they are really the eventual buyers. (They take good care of your property simply because, at some point in time in the future, it will become their property). 4. All maintenance is taken care of by the future buyer. (This eliminates the phone call at 2 o'clock in the morning.) No lengthy vacancies (unprotected properties). Puts a new occupant (resident/buyer) into the property within days, rather than having to wait weeks or even months, which is typical with conventional financing. Your insurance only protects your property for 30 days of vacancy! 5. 6. Lease Purchasing (rent to own) puts pre-qualified, reliable resident/buyers in now vacant or soon to be vacant properties. What that means is that someone is living on-site to watch your property (guard against vandalism, fire danger, etc.). That's like having a security guard living in your house who pays you - rather than you having to pay them! 7. 8. Stops the money hemorrhage of double mortgage payments in the case of a vacant property. Saves the seller a lot of money (especially For-Sale-By-Owner) by not having to pay for all of the advertising until the property finally sells. No fees to pay (especially the 6% to 8% Realtor commission, 3% closing costs, etc.). Safer than conventional rentals because the tenant (resident/buyer) will treat your house as their own (which it soon will be). Helps seller to qualify for a loan on a new home because a deal to sell your old house is already in place. Doesn't matter what kind of mortgage the seller has (assumable or non-assumable). It separates your "Home For Sale" from all others and makes it easier to sell. 9. 10. 11. 12. 13. 14. 4 COMMONLY ASKED QUESTIONS What is a Lease Purchase? A Lease Purchase is essentially a purchase contract with pre-negotiated terms combined with a rental agreement. The buyer leases the property for a specified period of time and then has the option of purchasing the property before the end of the lease agreement. Sales price, length of rental, rent credits, escrow instructions, closing costs, maintenance, etc., are all negotiated, much the same as it is in a conventional Real Estate transaction. A Lease Purchase, if properly utilized, is both the seller's and buyer's dream come true, because it can eliminate many of the negatives normally attributed to the selling and buying of Real Estate. What if the tenant tears up my house? There's no way that I can guarantee you that a tenant won't damage your house since you or I won't be living with them. But under the agreement that I will have with you, as the seller, if that happens, I will repair it at my expense. My objective is not to find a "tenant"; my objective is to find a Buyer who will eventually own your house. I investigate them thoroughly before entering into an agreement. Damages are rarely a problem. In fact, in most instances we have found that our buyers many times have improved a house with new carpet or some other upgrades, such as fencing. Again, if it does happen, we'll fix it, and I put that in writing. When will you sell my house? I cannot give you an exact date. It will be up to the tenant/buyer to make that decision within the time frame that they have. I can tell you that I don't get paid until they buy, so obviously, I'll be pushing them to do so....quickly! In the meantime, your payments will be made each and every month, even if the house is vacant, which will relieve you of the financial burden while we're selling your house. How do I know I can trust you? I am a Real Estate Investor that has been buying, selling and leasing homes for several years. My associates and I have bought, sold and leased dozens upon dozens of homes. I have never had a single complaint against me from any buyer or seller, in my entire history of doing business with the public. “What a blessing this has been – from the beginning our questions have been answered & our concerns have been handled! Matt has been so great to work with – he made us feel comfortable always! GHS has given us a reason to celebrate – an EASY way to FINALLY sell our house. ” - Danielle Guglielmetti, Shelby Township 5 How do I know you'll make my mortgage payments? I pay your mortgage company directly. It is simple, if I don't pay, the lender will immediately notify you. You are always in the know. Further, you can contact your mortgage company at any time to verify that they have received the payment. Why don't I just list my house with a Realtor? That certainly is an option, but obviously a Realtor won't make your payment for you while they're attempting to sell your house. Also, according to a recent survey, less than half of the houses listed with Realtors sell during the initial listing period. What’s the difference between renting my house and renting to own my house? There is a huge difference! With a lease purchase, I require that the tenant/buyer put up a large binder deposit that is to be applied toward the purchase of the property! If the tenant/buyer does not buy the property, that “deposit” is non-refundable! The deposit also serves as an “insurance policy” against non-performance as well as damage to the property. And because of the amount of the “deposit”, it pretty much assures us that they are serious buyers, not just renters. How can you or your program help me sell my house? First of all, I am not a Realtor. I am a real estate investor that has been buying, selling and leasing homes for the last several years and I know what homeowners go through when they try to sell their homes. You may be in the “thinking about it” stage of selling. Maybe you’ve already tried listing your house with an agent... maybe you haven’t decided that you’re not ready to go that route yet. While it can’t hurt to list your house with a Real Estate agent or broker, by the same token, do they have the same feel for your house as you do? After all, if you had a computer sitting in your office loaded with thousands of nice, beautiful houses of all sizes, shapes and price ranges, what kind of real “selling” would you actually have to do to earn a living? Would you really go all out and put all your work into selling one particular customer’s house? Or would you pick out a selection of several houses for your prospective buyers to look at, hoping to land them in one... any one... of the many homes you’d selected? Come on, you’d go with the numbers. After all, you don’t have any personal liability if the seller’s house sits on the market an extra month or two... they’re paying the mortgage every month, and besides, there’s always the next customer. And the next listing. This is why more and more folks like you have gone the “For Sale By Owner” route. You buy 6 your sign at the local hardware store, call your local newspaper to place your ad and you have to keep the house all picked up and clean all of the time so that you can show it whenever anyone wants to see it. You wait. You call back the messages on the answering machine. You call back the lookers. You play telephone tag with their answering machine. Maybe you actually get a live one and try to figure out how to write up a contract! Several weeks pass. You start thinking something is wrong. Financing? But it’s supposed to be the buyer’s job to find the money or get a loan, not yours. Right?! Can you tell I’ve been there? Right back to square one, with a beautiful house, priced right, and not a clue as to how to make it go away while looking down the barrel of a deadline to move... and an extra mortgage payment to make. I know that this is a lot of information to digest all at one time, but if you’re still with me, chances are you’re interested in doing what it takes to get your house sold quickly. I do not know of an easier or faster way to sell your house, that can give you more money, and with none of the hassles normally involved in selling a house. If you are seriously ready to act right now, or if you have some questions that I haven’t answered for you here, call me right now at: 1-800-861-0762 Or submit a confidential application via the “Sell Your House” button at www.GHS-Buys.com If you want an alternative to the stale, conventional ways of selling your house, pick up the phone right now and call me. I can help you! You have everything to gain and nothing to lose. Please do not assume that I have to “steal” your house, or that you need a lot of equity for me to be interested. Most of the people that I’ve been able to help with this program have gotten as much or more from the sale of their house than they would have if they had gone through a Real Estate Agent. I have worked with all kinds of circumstances and have created solutions after so-called “experts” have given up and quit. I solve problems and specialize in solutions! By calling, you give me a chance to be your solution. I hope to talk with you in the near future. Sincerely, Matt Vestrand, Manager Golden Home Solutions LLC 7 P.S. I don’t know how many months you’ve been trying to sell your house (or thinking about it) but every day that you wait is costing you money. Your house is an asset... sell it as an asset, not as a liability, or a burden. Don’t procrastinate... call me, especially if you have any questions. P.P.S. If you aren’t interested right now or if you know of someone that might be interested in the Lease Purchase program, I would appreciate it very much if you would pass this report on. It could be worth $250 to you for the referral. I buy houses as well. In fact, it might be that I would be more interested in buying your house than doing a Lease Purchase with you. Call me and let’s discuss the possibilities. P.P.P.S. Don’t believe me? Check out some of the dozens of testimonials we have! “GHS made the selling of our home a fast and easy process. We were able to sell our home quick so that we did not miss out on the purchase of our new dream home. They could not have made the process of selling our home any easier. I would recommend GHS to anyone who would like to sell their home fast without all the hassle and time it takes to sell a home on the market.” —Crystal Pierson, Eastpointe “I would like to thank you for the expedient manner in which our house was purchased. You made this process very easy and painless” – Laura Blanchard, Brownstown “GHS was real easy to work with and offered us a fast convenient sale – even though I was out of state. They did all the paperwork and bought my house within 2 weeks! Thank you very much.” – Joel Campus, Eastpointe "This has really worked out for us. Thank you for the chance to start our lives somewhere else" - Kathy Kay, Saint Clair Shores 8 HOME SALE APPLICATION PLEASE PRINT - ALL information must be completed. How did you find out about us, circle one: Sign Newspaper Postcard Business Card Friend Other CONTACT INFORMATION Full Name: __________________________________________________ Phone: (_______)___________________ Cell Phone: (_______)___________________ Home Address: __________________________________________________________ City: ________________________________ State: ______ Zip: ________ What is the best time to contact you?: ___________________________________ Email Address: ____________________________________________________ GENERAL INFORMATION Why are you selling?: ___________________________________________________________________________________________________________________ When would you like to close?:____________________________________________________________________________________________________________ PROPERTY INFORMATION How many bedrooms?: _____ Bathrooms? ______ Approx. Square Footage?: ______ Type of Construction: ______ Basement?: ______ Garage?: ______ If repairs are needed, please explain what they are: __________________________________________________________________________________________ FINANCIAL INFORMATION How much are you asking us to pay for your house?: $_______________________________________________________________________________________ How did you determine your asking price?: ________________________________________________________________________________________________ If we were to have your house appraised, how much do you think it would be worth?: ___________________________________________________________ What is your total loan balance?: $_______________________________________ What is your total payment?: _______________________________________ Are your payments current?: ___________________________________ If not, how far behind are your payments?: ___________________________________ How much are your annual property taxes?: $__________ Are your property taxes and insurance included in your monthly mortgage payment?: ________ Do you pay Homeownder/Condo Association dues? _____________________________ If yes, how much per year?: _________________________________ Would you sell your house for what you owe on it?: ________________________________________________________________________________________ Would you be willing to receive any of your equity, if applicable, in the form of monthly payments?: ______________________________________________ We may be able to pay you cash for your equity and take over your mortgage. Will this work for you? If no, please explain why:______________________ ______________________________________________________________________________________________________________________________________ If we were able to buy your house in 7 days or less, what is the least you would accept?:________________________________ Do you have any questions or comments you would like to share with us?:______________________________________________________________________ When completed, please fax this application to (586) 268-5691. You may also scan the document and email it to GoldenHomeSolutions@yahoo.com. OR you can also mail the application to Golden Home Solutions LLC 34841 Mound Road PMB #341, Sterling Heights, MI 48310 B