Are you Buying or Selling a Home ?
If so you can recieve up to $15,000
or more in closing cost.
My goal is to make your buying or selling of a home the most memorable experience. Whether buying or selling a home, I can advise you through the processes from beginning to end. This way you can visualize your dreams with your family.
Welcome to All
Where You Get Rewarded !
- Call Us Today at 813-787-9591
Rewarded Buyers!
This couple recieved a check in the amount of Two thousand three hundred and twenty five dollars to do with as they wish
THEY GOT REWARDED!!!!
Hello my name is Ramon J. Gutierrez, a Realtor.
I have recently started a NEW rewarding program for Buyers or Sellers that uitilizes my services. The Buyer or Seller will receive half of my real estate commission for their part of the transaction.
YES- you read that correctly! When you use my services for the sale or purchase of your home, I will reward you with half of my real estate commission for your part of the transaction.
Here are some examples:
If a home sells for $650,000 as a buyer or seller, my commission is 3% for my part of the transaction.
$650,000 X 3% = $19,500
Half of $19,500 = $9,750
You would receive $9,750!
So as the buyer or seller, would take home an additional $9,750 to do as you please?
Another example would be purchase price of your new home is $1,00,000.00 the buyer commission is 3% of sale for my part of the transaction.
$1,000,000.00 X3%= $30,000.
Half of $30,000.= $15,000.
You will receive $ 15,000
So as the buyer or seller, would you like to take home an additional $15,000 to do as you please?
A general rule of- thumb is that Lenders would like a 45% or lower debt to income ratio (DTI).
Begin by calculating the Front-end ratio is your total housing expense. Total housing expense includes the principle, interest mortgage payment, taxes , insurance and HOA dues if any, The formula for Front end ratio: divide your housing expense by your gross monthly income(s), multiply that number by 100 the total is your front end debt to income ratio
To calculate Back-end ratio you will to include any debts these debts will include card payment(s) automobile payment(s) child support payment(s) , student loan payment(s) this debt does not include any utility payments divide by the gross monthly income and divide by 100 now you have your Back end debt to income ratio.
to calculate your debt to income ratio add your total dollar amount from your front end and back end total and divide by your gross monthly income (DTI)
A great tool to use is a mortgage calculator. With this calculator you can enter the price of the Home, down payment you have to put towards the purchase enter the current interest rate and normaly it is 30 years loan term, this will give you a monthly payment, yet this payment is lacking your property taxes , Home owners insurance, HOA dues any mortgage insurance (MIP) for FHA loan less than 5% down and Conventional loan under 20% down payment add these together this will give you a more realistic monthly payment.
As a Mortgage Loan Originator NMLS# 1497232 I will originate your loan , With many years of experience you can trust.
There are other loans avaliable call for additional information. Thank You Very much for your valuable time you spent on my site I hope it has been very informative should you have any further questions please give me a call at 813-787-9591
With this additional service the winner is you What do I Mean
1) Half of my Realtor’s commission to do with as you please $300,00.00 X 3% =$9,000÷ 2= $ $4,500. to you
THIS IS A WIN WIN FOR YOU!!!!
Monthly Mortgage Payments
Additional Services
As a Mortgage Loan Originator NMLS #1497232 I can Originate your loan , AND SAVE YOU MONEY. AFTER ALL IT IS YOUR MONEY!!!
Example whether buying or refinancing I can save you money.
In the lending businees it is either Borrower paid or Lender paid.
Borrower paid is just that the borrower pays the origination fee out of pocket it is included in your closing disclosure.
Lender paid is were the lender charges you a higher interest rate on your loan to obtain the origination fee .
So when you hear we don’t charge an origination fee it is because it is charged via a higher interest rate for the borrower.
If you have a scenerio either buying or re-financing give me a call 813-787-9591 and let help you obtain your objective. Working for a company that has over 30 different Lenders which will provide a solution for your financing needs FHA,VA,USDA, Reverse Mortgages Conforming, ITIN, DSCR(debt service coverage ratio). For Investors , self employed borrowers Bank statements. Credit score approval are down to 500 credit score and many other programs which regular banks do not provide.If you have a scenerio whether buying or re-financing give me the opportuity to reward you by calling 813-787-9591. CALL ME AFTER YIU VISIT YOUR BANK AFTER ALL IT IS YOUR MONEY 813-787-9591
