HOME BUYERS:

   In today’s marketplace it is very challenging for many home buyers to get a loan.  Changes in underwriting guidelines, problems with sub-prime loans, and higher home costs have made home ownership a difficult accomplishment-especially for the first time home buyers.

   With over 30 years of experience in the home loan, real estate sales and home construction industries, we have a UNIQUE knowledge base that makes a huge difference to our home buyers. We start by qualifying our buyers for a home loan, including consultation regarding credit, prioritizing debt payments, how to enhance credit scores and choosing the right home loan.  There are still “0” down payment options, and several SAFE loan choices that can make home ownership a reality.

   At the conclusion of the first interview, we are able to draft a “PRE-APPROVAL” loan letter that virtually guarantees the home buyer and prospective sellers that the buyer’s home loan has been approved.  Typically, this approval is subject ONLY to the home appraisal, a clean title report and the results of the home inspection (and any work orders that the buyer and seller agree upon).  Unlike many lenders who provide a pre-qualification letter, subject to review of credit, income, assets, job history, etc. we have already looked at this data AND have taken the unknowns and risks out of the process.  In our opinion, a pre-qualification letter from a lender isn’t worth the paper it’s written on.  Our home loan affiliate, Pacific Mortgage Lenders, Inc., has been in the mortgage business locally for over 20 years and has closed in excess of 1,000 home loans.   Imagine that your loan officer is also your real estate agent!

   Once the pre-approval process is complete, we put on our ‘real estate sales’ hat and begin the search for the ideal buyer home.  This process is more than merely looking at several homes.  Given enough time, we conduct an intensive analysis of homes that may be of interest to the buyer with an emphasis on comparison and competitive analysis to verify that the purchase price is reasonable and that the optimum home to meet the buyers needs are met.  When working with our buyers, we ALWAYS strive to make sure that the buyer gets the BEST DEAL possible!  

   When a home buyer purchases a home with our assistance at Pacific Realty Group, Inc. and the buyer/borrower chooses our affiliate, Pacific Mortgage Lenders, Inc. for financing, we reduce our real estate fee (that is paid to us by the seller) and pay $2,499 of the buyer’s allowable closing costs.  We are not aware of any other real estate firm that dedicates such a large credit to a buyer.  Not only do our buyers save money when using our combined services, but they are able to choose from hundreds of loan choices, all priced at very competitive interest rates.  Save Money!  Great Service, too!

   We invite you to take a closer look at our affiliate’s webpage by going to the link, “HOME LOANS.”