Ever wonder why banks charge you thousands of dollars to give you a loan?
Is it the “I got want you want, so get down on your knees and beg for it” mentality? Forget that [S word].
Banks charge processing fees on loans because they can sell your loan to investors and the interest you pay on loan won’t go to the originating bank.
Especially if your credit score is low.
Even on a 15 year loan, the interest on a 200K loan can be enough to buy some awesome toys like that boat, RV or vacation that you’d rather spend your money on. We all know that interest is inevitable on most if not all loans but WHY pay for “loan processing”? You don’t care if your loan gets sold, right?
As a Keller Williams Real Estate Agent, I’m able to provide you with a solution that ELIMINATES loan processing fees. Don’t pay that [S word]!! It only makes the banks richer and your 30 year loan is more like a 31, 32 or even 33 year loan to recoup the cost of processing charges. That doesn’t sound nice, especially for people that may not out live that term. Most peoples’ goal is to have their house paid off to leave their children a little something to make their lives better and throwing money away on charges you can’t even write off is very much avoid-able with Keller Mortgage. This system I can offer also gives you $1K at the closing table to you.
Hmmm… No processing, underwriting or originating fees and you get $1000.00 closing credit?? Sound like a big win if you’re in the market to buy a house.
For more info on this offer, I’ll point you to “my guy” that will answer all your questions and burn up all your doubts. There’s no better feeling than knowing you got the best deal possible.
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When it comes time to sell your home or a home of a loved one that has passed, many people are very reluctant to take the action it requires to get the property title transferred to someone else’s name. It’s not a nice thing for most people to empty a house, clean a house, do repairs that potential buyers have asked for, keep the electricity on, keep the grass mowed and any other things that property owners pay others to do.
If you are someone that is happy to pay someone else to mow your lawn or clean your house, you’re probably someone that knows the value of hiring a Realtor. After all, you know that a full service realtor is bound by a Code of Ethics that prevents him/her from disclosing things you don’t want them to. Keeping in mind that a Realtor does not have to do anything immoral or illegal for anybody, you still value the service that someone provides where you are not the expert or even trained to do.
Everyone knows Realtors have to be licensed to participate in real estate transactions concerning real estate or even personal property that is not theirs. To get licensed, an individual must study for and pass 180 classroom hours by the following break down.
- Principles of Real Estate I (30 classroom hours)
- Principles of Real Estate II (30 classroom hours)
- Law of Agency (30 classroom hours)
- Law of Contracts (30 classroom hours)
- Promulgated Contract Forms (30 classroom hours)
- Real Estate Finance (30 classroom hours)
Many people don’t get everything in these modules in 30 hours each. More like “That plus half the time”, so maybe in 45 hours for each module. Take a look at some stats by Trec
If people know the person they just hired or selected to fix their car or even someone to train them a new skill, has the knowledge to provide that service, there isn’t any difference in hiring a realtor and you should be happy you did. After all, a mechanic will not have “your back” if something happens to your car, unless you give him more money.
Full Service Realtors Provide Service for sellers that don’t want to or are too busy to do so.
If you are a For Sale By Owner, you have to hold the open house, you have to get and submit all the paperwork to the title company. You have to negotiate the deal. And without strong knowledge of the industry, a FSBO can be getting a fair offer but chooses to decline it because the price is not what he/she wants. As a FSBO, do you know what the Comps are near your property? Contrary to what lots of people think, the Just Sold Price is not public data. Do FSBO have access the the county’s MLS? With lack of resources, how can anyone sell their house for maximum fair market value?
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