Buying a home is a major investment. I have the tools to help you make a wise investment.

Congratulations! You have made the decision to purchase a home, be it your first home or a new home. While this may be a daunting task for many individuals, with the right knowledge you will not make the mistakes that many home buyers make. Even if you have already purchased a home, you can still benefit from these newsletters, and perhaps not make the same mistakes over.

My goal is to educate you in all aspects of purchasing a home so you can make the best decision on your purchase. To do this, over the next month and a half, you will be receiving an email from me every three days or so. In each article I send you, I will be covering a new topic related to buying a home. I hope that you stay on my list during this time. I will never give your email address to anyone else, as I respect your privacy.

The first thing I would like to do is to send you a free guide titled "The Complete Guide to Buying a Home". This is a 78 page PDF book that will help educate you on the various aspects of buying a home. Here are the main topics that are covered:

• Homeownership: Are You ready?
• Hurdles to Becoming a Homeowner
• Understanding Credit
• Finding the Home that is Right for Your Family
• Financing Your Home
• Federal Laws Protecting Consumers

This guide will help educate you on the various aspects of buying a home.

First Time Home Buyer Seminar on CD

I also have a 48 slide PowerPoint presentation that I want to give you that will help you understand the process of buying a home. The 48 slides cover the following topics on the next column. Even if you are not a first time home buyer, you may find some interesting topics in this presentation.

Here is what is covered in the presentation :

• Why Buy A Home?
• Renting Vs. Buying A Home
• How to Afford the Higher Payment
• Withholding Example
• Are You Ready To Buy?
• How Much Home Can You Afford?
• Why be Pre-Approved?
• Types of Loan Approvals
• Full Doc Approval Documents
• Stated Income Guidelines
• Types of Loan Programs
• Which Mortgage is Right For You?
• Fixed Rate Mortgage
• Adjustable Rate Mortgage
• Option ARM
• 2/1 Rate Buy down
• Bi-Weekly Mortgage
• 15 Factors that Affect Your Interest Rate
• 100% Financing & PMI
• Creative Financing
• Credit Scoring Overview
• The Three Credit Bureaus
• Components of a Credit Score
• How Your Score is Used
• Getting A Mortgage With No Credit
• How To Establish Credit
• How to Improve Your Credit Score
• Credit Repair Services
• Working With Your Realtor
• Your Realtor as a Buyer's Agent
• Where Do You Want to Live?
• House Considerations
• Home Evaluation Process
• Determining How Much to Offer
• Making an Offer to Purchase
• When the Offer is Accepted
• Inspections and Tests You Need
• Home Inspection Benefits
• Home Warranty Programs
• Property Appraisal
• Understanding Closing Costs
• Settlement Day

I would like to give you a copy of this presentation. It comes complete with a free PowerPoint viewer. Just call my office and I can send this out to you, or you can stop over and pick up your copy.

If you have any questions about buying a home, or are ready to get yourself pre-qualified, be sure to call me at the number listed below. Over the next 45 days, you will be receiving 152 emails from me, each one about 3 days apart. In each email, I will discuss a particular aspect of buying a home

Here are the topics I will cover :

• 10 Reasons to Buy a Home
• How do You Come Up With A Down Payment for A Home?
• How to Negotiate the Best Price on Your Home
• Understand Your Rights as a Consumer When Buying a Home
• Finding a Community You Will Like
• Do You Understand Negative Amortization Mortgages?
• Ways to Improve Your Credit Score
• How Your Credit Score Affects Your Mortgage
• 15 Factors that Influence Your Mortgage Interest Rates
• What Does the APR on Your Mortgage Mean?
• Understand Your Closing Costs
• Appraisals, Inspections & Tests You Need
• What NOT to do Before Buying a Home
• How to Buy a Home With Resale Value
• What to Look for in a Home

I hope that you find these articles worthwhile. If you know of anyone else who is looking to buy a home, please have them contact me so I can get them this same information.