resources

Buyer Preparedness in 2024

Buying a house in 2024 is not going to be easy.  The lack of inventory skews much of the negotiating power to home sellers and we are going to continue to see tight inventory, cash buyers, and multiple offers in 2024. So what can you do if you want to break through as a buyer in this type of market?In a word:  PREPAREWhat does a prepared buyer look like in 2024?We call it our “BULLETPROOF BUYER PROGRAM”⚡Pre-approved? Not good enough anymore- we need PRE-UNDERWRITTEN and ready to close in 10 days (in order to compete with cash)⚡Ready to offer “WINNING TERMS”? - YES -your agent will coach you about how to tighten up your inspection period, pre-negotiate repair thresholds, have an inspector waiting in the wings, prepare to allow for flexible possession terms etc. ⚡Ready to BID OVER LIST price? YES- if there are multiple offers you will need to be ready to write a very aggressive offer. In order to be confident in paying more than any other buyer you will need to be confident about exactly where the market is going. And have an understanding of how buyers always set the price in any market. We will arm you with an in depth market analysis, and tools to help you understand the true value of a home for you. ⚡Ready to COVER APPRAISAL GAPS? - YES we will explain how the strategic structuring of your mortgage can absorb an appraisal shortfall, and you can still close with minimal change to your financing plan.⚡Ready to TELL YOUR STORY to the listing agent and home seller with video and text? Our “Digital Offer” process will make your offer stand out, and just might be the missing piece that gets your offer over the finish line against other EXTREMELY similar alternates. What good is being this prepared if we can't properly express it to the sellers?⚡Are you ready to waive contingencies and BUY BEFORE YOU SELL? We need to take steps to unlock the equity on your current home and wipe out the monthly obligations to help you qualify for the next loan with an Equity Transition Plan. ⚡Ready to structure your buyers agent commissions? YES - The industry is changing rapidly, and not every home that is for sale will pay a full commission to your agent. We will prepare you to manage that. —----The message here is this: Do you want to write a lot of offers and get outbid by those who are better prepared? Or do you want to attack this market at the highest possible level?  Understand that if you are prepared on this level and DO NOT have to engage in a multiple offer negotiation - this level of preparedness only gives you MORE LEVERAGE as a buyer to drive the negotiation the way you want.As real estate appreciates, every week that goes by makes the eventual home you end up in more expensive. Acting DECISIVELY is key.Schedule your BULLETPROOF BUYER/2024 BUYER READINESS Consultation TODAY : CLICK HERE FOR THE SCHEDULING LINK <

Buy BEFORE you Sell! Turn Any offer into an ALL CASH offer

As the Market heats up we need to "reach into our BAG" of tricks as Real Estate Professionals.What are we doing to give our buyers every possible edge in a competitive situation?⚡Pre-Underwritten to compete with Cash offers? ✔⚡Prepared to close in 10 days? ✔⚡Ready to Bid Over Ask? ✔⚡Ready to absorb any appraisal shortfalls? ✔Prepared to turn a CONTINGENT OFFER - into a true ALL CASH OFFER? That is where this Power Buyer Program can be what gets your offer over the finish line. This program can step in to provide an all cash offer in place of any buyer. Even a first time home buyer who otherwise is financed can flip to use this all - cash program. This ISN'T just for contingent buyers (although that is the most common use case).I do have one other possible strategy to allow otherwise contingent offers WAIVE that contingency without this Power Buyer program. That strategy is to set up a HELOC on the current home to use as the DOWN PAYMENT on the next home. Now - this buyer's income may or may not support the CURRENT DEBT + NEW HELOC DEBT + NEW PURCHASE DEBT. If the income DOES support that, off we go as a non-contingent offer. If the income DOES NOT support that- can partner with a group called "HOME SALE ASSURED" that can issue a GUARANTEED BACK UP CONTRACT to buy the departing home.This "Back up Contract" will satisfy a key mortgage approval guideline by allowing us to FULLY EXCLUDE the monthly Debts on the current home and allow the buyer to QUALIFY to buy the next home and waive contingency.This "HELOC + BACK UP CONTRACT" strategy would potentially be more cost efficient for the user, but not every buyer would have the appropriate combination of EQUITY and INCOME to pull that all together.But a strategy conversation with James will uncover any potential options you might have.

What does it look like to BID above ASKING PRICE?

How can we create confidence around offering the price that wins the right property?USE DATA! My clients who are in a competitive situation get as much up to the minute information as possible to make a great decision. See how our MBEstimate tool combined with a "BID OVER ASK" Tool can help buyers act with confidence!CLICK HERE TO SCHEDULE YOUR BUYER PREPAREDNESS CONVERSTATION TODAY

Buyer Preparedness in 2024

Buying a house in 2024 is not going to be easy.  The lack of inventory skews much of the negotiating power to home sellers and we are going to continue to see tight inventory, cash buyers, and multiple offers in 2024. So what can you do if you want to break through as a buyer in this type of market?In a word:  PREPAREWhat does a prepared buyer look like in 2024?We call it our “BULLETPROOF BUYER PROGRAM”⚡Pre-approved? Not good enough anymore- we need PRE-UNDERWRITTEN and ready to close in 10 days (in order to compete with cash)⚡Ready to offer “WINNING TERMS”? - YES -your agent will coach you about how to tighten up your inspection period, pre-negotiate repair thresholds, have an inspector waiting in the wings, prepare to allow for flexible possession terms etc. ⚡Ready to BID OVER LIST price? YES- if there are multiple offers you will need to be ready to write a very aggressive offer. In order to be confident in paying more than any other buyer you will need to be confident about exactly where the market is going. And have an understanding of how buyers always set the price in any market. We will arm you with an in depth market analysis, and tools to help you understand the true value of a home for you. ⚡Ready to COVER APPRAISAL GAPS? - YES we will explain how the strategic structuring of your mortgage can absorb an appraisal shortfall, and you can still close with minimal change to your financing plan.⚡Ready to TELL YOUR STORY to the listing agent and home seller with video and text? Our “Digital Offer” process will make your offer stand out, and just might be the missing piece that gets your offer over the finish line against other EXTREMELY similar alternates. What good is being this prepared if we can't properly express it to the sellers?⚡Are you ready to waive contingencies and BUY BEFORE YOU SELL? We need to take steps to unlock the equity on your current home and wipe out the monthly obligations to help you qualify for the next loan with an Equity Transition Plan. ⚡Ready to structure your buyers agent commissions? YES - The industry is changing rapidly, and not every home that is for sale will pay a full commission to your agent. We will prepare you to manage that. —----The message here is this: Do you want to write a lot of offers and get outbid by those who are better prepared? Or do you want to attack this market at the highest possible level?  Understand that if you are prepared on this level and DO NOT have to engage in a multiple offer negotiation - this level of preparedness only gives you MORE LEVERAGE as a buyer to drive the negotiation the way you want.As real estate appreciates, every week that goes by makes the eventual home you end up in more expensive. Acting DECISIVELY is key.Schedule your BULLETPROOF BUYER/2024 BUYER READINESS Consultation TODAY : CLICK HERE FOR THE SCHEDULING LINK <

2024 Loan Limits – Examples on How they could Impact YOU

Baseline Conforming Loan Limit Value Will Increase to $766,550 FOR IMMEDIATE RELEASE 11/28/2023 ​​​​​​​​​​​​​​Washington, D.C. – The Federal Housing Finance Agency (FHFA) today announced the conforming loan limit values (CLLs) for mortgages Fannie Mae and Freddie Mac (the Enterprises) will acquire in 2024. In most of the United States, the 2024 CLL value for one-unit properties will be $766,550, an increase of $40,350 from 2023. National Baseline The Housing and Economic Recovery Act (HERA) requires FHFA to adjust the Enterprises’ baseline CLL value each year to reflect the change in the average U.S. home price. Earlier today, FHFA published its third quarter 2023 FHF​A House Price Index® (FHFA HPI) report, which includes statistics for the increase in the average U.S. home value over the last four quarters. According to the nominal, seasonally adjusted, expanded-data FHFA HPI, house prices increased 5.56 percent, on average, between the third quarters of 2022 and 2023. Therefore, the baseline CLL in 2024 will increase by the same percentage. High-Cost Areas For areas in which 115 percent of the local median home value exceeds the baseline conforming loan limit value, the applicable loan limit will be higher than the baseline loan limit. HERA establishes the high-cost area limit in those areas as a multiple of the area median home value, while setting the ceiling at 150 percent of the baseline limit. Median home values generally increased in high-cost areas in 2023, which increased their CLL values. The new ceiling loan limit for one-unit properties will be $1,149,825, which is 150 percent of $766,550. Special statutory provisions establish different loan limits for Alaska, Hawaii, Guam, and the U.S. Virgin Islands. In these areas, the baseline loan limits will be $1,149,825 for one-unit properties. Due to rising home values, the CLL values will be higher in all but five U.S. counties or county equivalents.

Next Steps for making our Buyer/Broker Relationship official

Hello ****, Thank you for considering engaging my Real Estate Buyer Service as your exclusive representative for a home purchase. My process requires that all of my prospective buyer clients sign this attached agreement to ensure that we have clarity in BOTH directions between us about how this works. As your exclusive buyer agent, my job has many levels to it, but the highest priority is that I will act and advise to YOUR best interests at all times. The way my business works is that I receive a one-time Buyer Agent Commission at the successful completion of a home buying transaction. In most cases, the Buyer Agent Commission (or BAC) will be paid for by the seller via a pre-negotiated offered commission built into the list price of the home. When the "full BAC" is offered in the listing, there is no additional charge to my buyer clients. The service I provide requires a minimum total BAC of 2.5% In the event that the home you buy does NOT cover this threshold, you agree to pay the difference, and there are a few ways we can tackle this as explained here in this digital resource. ====== What you can expect from me by entering this agreement: ====== Lots of EDUCATION! 1. How to make real estate decisions 2. Zeroing in on what type of home makes sense for you now and in the future 3. Organizing your Financing Plan + Purchase Budget 4. How to deliver an offer that gets acceptance 5. Specific Property inspections - once we find the right one! 6. Advocating for your best outcome throughout the negotiations 7. Complete transparency 8. Expanded Availability and/or back-up coverage if I am out for any reason ==== PROBLEMS WE WILL PREPARE YOU FOR ==== 1. What happens if we have to "Bid Over Asking Price"? 2. What if our agreed price does not appraise? 3. How do we handle a scenario where the seller is not offering a complete buyers commission? 4. How do we navigate affordability in a high interest rate environment? ===== HOW MY SERVICE ADDS VALUE TO YOUR HOME BUYING ===== 1. Avoiding becoming the owner of problem properties 2. Showing you how to prepare an offer that WINS in a competitive market, with our DIGITAL OFFER process (explained further here https://jamesadair.lender.marketing/presentation/100355) 3. Telling a compelling story about you to the seller, improving your chances of success 4. Negotiating a fair price 5. Project managing every phase of your "Open Escrow" through close and beyond 6. Surrounding you with professional advisors that will help you: - Educate and present ALL mortgage options - Make sure you are properly insured - Make sure you take advantage of future financing opportunities - Help you maximize the tax advantages of owning real estate - Integrate your Home Wealth into your short and long term financial planning - Create a simple Estate Plan to accelerate your ability to create generational wealth You can expect a DOCUSIGN version of this buyer service agreement to come over via email shortly. Let's make sure we're on the same page together, and I could not be more excited to be working with you towards making your next purchase the best one you have ever experienced.

Listing Agent Playbook: Financial solutions to todays Biggest Challenges

Dear Listing Agents! As the industry evolves at an ever quickening pace, I feel it necessary to try and provide energy, ideas, and execution around ways to make your job keep up with the expectations of this younger and more tech-enabled marketplace of potential clients. My focus is to become the best partner for lead conversion of all types, and for LISTINGS - here is an example of how we help our partners level up their service, and information delivery: ------------ ⚡EQUITY TRANSITION PLANNING⚡ Separate your service by including an EQUITY TRANSITION PLAN™️ as part of the CMA. The Market analysis will set the likely sales price, but the Equity Transition Plan will go one step further with a SELLERS NET SHEET, A COMPLETE DEBT ANALYSIS and FINANCIAL OPTIONS for whatever comes next for them. Moving UP, moving DOWN, moving AWAY - We will leverage YOUR network for opportunities to recommend asset based professionals into the conversation (wealth advisors, estate attorneys, accountants etc). This creates more CLARITY, more VALUE, and a more remarkable and REFERRABLE experience for your clients. ....................................................................... ⚡️ APPRAISAL GAP SOLUTION ⚡️ We have a remedy when a property's appraised value doesn't measure up to the anticipated list price. Our appraisal gap strategy is tailored to bridge this disparity, ensuring that you, as the listing agent, can secure the most competitive offer for the property. I've incorporated a video detailing our approach to this challenge for a more comprehensive understanding. Example video on the sidebar: ➡️ ....................................................................... ⚡MANAGING LOW BALL OFFERS⚡ We will present a plan to counter low ball offers to price with rate buydowns that are often FINANCIALLY BETTER For the buyer than simple price reduction. Examples of how this works in the sidebar ➡️ ----------------------------- ⚡ the DIGITAL OPEN HOUSE ⚡ Having lots of educational content to share with prospective home buyers is key for starting the conversation with them WHEREVER they are on their journey. We can show you how to get co-branded videos on how we can solve all the prevailing problems for buyers and sellers through texts and special QR Codes. Never host an Open again without the expectation that you will be signing up a NEW CLIENT - every time! Let us show you how! ⚡⚡⚡⚡⚡ I aim to be a collaborative partner in your real estate journey. Our challenges in this dynamic market are surmountable with the right tools and strategies. I hope this playbook serves as a testament to my commitment to excellence and unwavering support for you and your clients. Let's work together to turn challenges into opportunities and achieve unparalleled success in our ventures. Warm regards, -James

The DIGITAL OPEN HOUSE strategy

How can we create an offer that helps turn every open house you do into an opportunity to engage MORE new business? The "Sign-in" process STINKS Flyers don't work very well in translating nuanced market information It's challenging to stay in meaningful conversation with nearby neighbors & interested parties ================= The solution: "the DIGITAL OPEN HOUSE" ================= A customized, shareable digital resource all about you and your listing that includes: ➡️- Co-Branding opportunities to include your contact info and easy links to your scheduling software to generate appointments ➡️- A Custom Market Forecast For the property based on 3rd party data to the zip code level ➡️- 3D Tours, videos, and Matterport Integrations ➡️- Any additional relevant data about the neighborhood or property ➡️- Special Financing Strategies with Explanation videos on relevant topics such as: ⚡- Bidding over asking price ⚡- Mortgage Rate Buydowns ⚡- Appraisal Gap Strategy ⚡- Affordability Strategies ⚡- How to write offers that stand out in a tight market ⚡- How to waive contingency and compete with cash ================= How to implement: ================= We feature simple flyers throughout the property that include a SPECIAL QR code that will deliver the digital resource on to a mobile devise. (Example of a listing flyer found in this presentation) We also have small 5 x 7 framed QR code calls to action throughout the property - the Open host will drive as much engagement into the QR code as humanly possible for 2 reasons - 1. is that they will get a TREASURE TROVE of UNIQUE market information in one easy place 2. the QR code captures all the contact information of the user - NAME EMAIL PHONE NUMBER and HOME ADDRESS They will get the information THEY want, and WE will get some expanded opportunities to create ongoing relationship with some strategic follow up. ================= USE THIS QR CODE TECH IN MULTIPLE WAYS ================= * Perma Flyer for Pedestrian traffic * Just listed Postcards - have a call to action to the QR code to get alerts on this particular property: price changes, pending , and post close final sale info * Any Direct Mail farming - the QR code will help you identify exactly which addresses are engaging with you. ================= The Digital Open House strategy is an elegant way to bring your entire tech stack to life in a way that will make you stand apart from the rest! Make this Open House strategy a part of your LISTING PRESENTATION as well to differentiate your service. We are finding new ways to make this technology move the needle for our partners every day and we are excited to see how it can help YOU! - James Adair

Buyers Agent Playbook: Financial solutions to todays Biggest Challenges

Dear Buyer Agents! Navigating the intricate real estate and home financing world can be daunting as the landscape undergoes transformative changes, particularly with affordability, values, commission conversations, and increasing lowball offers. I've assembled this playbook to illuminate solutions to our market's most pressing challenges. Consider this an educational tool and a resource you can share with your buyers. It's designed to answer some of the pivotal questions they may have about the nuances of purchasing real estate under your expert guidance. ⚡️ AFFORDABILITY SOLUTIONS ⚡️ Home affordability is a cornerstone in our industry. My team and I are equipped to devise financing solutions that cater to a diverse range of potential homebuyers. By securing favorable rates or introducing unique loan products, our goal remains steadfast: making the dream of homeownership feasible for more individuals. Example video on the sidebar: ➡️ Link to the MORTGAGE BUYDOWN PLAYBOOK : https://www.borrowsmartadvantage.com/presentation/101061 ....................................................................... ⚡️ APPRAISAL GAP SOLUTION ⚡️ We have a remedy when a property's appraised value doesn't measure up to the anticipated list price. Our appraisal gap strategy is tailored to bridge this disparity, ensuring that you, as the listing agent, can secure the most competitive offer for the property. I've incorporated a video detailing our approach to this challenge for a more comprehensive understanding. Example video on the sidebar: ➡️ ....................................................................... ⚡️ COMMISSION GAP ⚡️ There are times when specific commissions might fall short. Fear not, as our Commission Gap initiative ensures a seamless transactional experience. We meticulously structure the financing to cover all associated costs, eliminating the possibility of any unforeseen financial hitches. Example video on the sidebar: ➡️ ....................................................................... ⚡️ BULLETPROOF BUYER PROGRAM ⚡️ The Bulletproof Buyer Program will enable your buyers to gain an edge in a competitive market. We will pre-underwrite and equip your buyers to compete with cash by being able to waive contingency and close in 10 days if needed. Our preparation combined with the DIGITAL OFFER can help position you to gain maximum leverage even if you are the only offer. Example link on the sidebar: ➡️ Link to the BULLETPROOF BUYER PROGRAM: https://www.borrowsmartadvantage.com/presentation/107066 ----------------------------- WRITE WINNING OFFERS - ⚡ THE DIGITAL OFFER STRATEGY⚡ Combine the BULLETPROOF BUYER PROGRAM with the DIGITAL OFFER STRATEGY to compete with cash offers, or put you and your buyer in position to gain as much leverage as they can possibly achieve in a tight market: details here:➡➡ https://www.borrowsmartadvantage.com/presentation/100355 ⚡ the DIGITAL OPEN HOUSE ⚡ Having lots of educational content to share with prospective home buyers is key for starting the conversation with them WHEREVER they are on their journey. We can show you how to get co-branded videos on how we can solve all the prevailing problems for buyers and sellers through texts and special QR Codes. Never host an Open again without the expectation that you will be signing up a NEW CLIENT - every time! Let us show you how! Link to the DIGITAL OPEN HOUSE EXPLAINER: https://www.borrowsmartadvantage.com/presentation/105685 --------------------------- ⚡SYSTEMATIC BUYER BROKER AGREEMENT ONBOARDING⚡ --------------------------- Use this tech platform to aggregate and demonstrate all of your value as a buyer agent. See my example for BUYER ONBOARDING at the link below: https://www.borrowsmartadvantage.com/presentation/108330 ⚡⚡⚡⚡⚡ I aim to be a collaborative partner in your real estate journey. Our challenges in this dynamic market are surmountable with the right tools and strategies. I hope this playbook serves as a testament to my commitment to excellence and unwavering support for you and your clients. Let's work together to turn challenges into opportunities and achieve unparalleled success in our ventures. Warm regards, -James

Seller Buy Down Strategy Explained

Here is the comprehensive report on the 2 types of MORTGAGE RATE BUYDOWNS you can get. I have put this together to help you make sense of the differences between the TEMPORARY and the PERMANENT mortgage rate buydowns. TL/DR: Benefits of the PERMANENT BUYDOWN: - Interest rate improvement lasts the whole duration of the loan term - Buyers QUALIFY at the lower payment - which can increase the total amount of money a borrower is allowed to access. - If interest rates end up NOT improving in months/years to come, the Permanent Rate buydown will likely provide more financial benefit. Benefits of the TEMPORARY BUYDOWN: - Buyer creates more affordability in the short term. The monthly savings can be 2x or 3x better compared to the Permanent in that temporary time frame. - The ENTIRE seller credit will go directly to the buyer (as opposed to the lender) - If interest rates DO end up improving - any remaining money in the temporary subsidy account will be applied to offsetting refinance costs. If the remaining credit EXCEEDS the refinance cost, any remaining money would be applied to principal reduction of the mortgage. Additional Detail: - Permanent Buydown Strategy is available for Jumbo, Conforming, FHA, VA, and USDA loans - Temporary Buydown Strategy is available for Conforming, FHA, VA, and USDA loans - but NOT JUMBO

Student Loans: How the Fiscal Responsibility Act of 2023 will impact Home ownership

The Financial Responsibility Act of 23 will Impact Homeownership As we all agreed, we're facing a potentially challenging situation come September. Many of our clients have not made student loan payments in three years due to the pause on payments. Combining this with no financial planning, rising inflation, high credit card debt, and the prospect of a payment that hasn't been seen in 36 months, we could be looking at a significant impact on those directly or indirectly involved in the housing market. For our sellers, especially those who recently purchased at low-interest rates in the 2 or 3% range and have student loans, this situation might affect their ability to move on to their next home. For our current approved buyers, this could impact their pre-qualification. Imagine adding $300 to $1,000 to their current debt-to-income ratio (DTI). And let's not forget our new first-time buyers. They will also feel the impact on their qualification. We must act swiftly to help them avoid default and late payments when the pause lifts in September. ..................................................... High-Level View Of Options We Can Use ⚡️Standard Repayment Plan Payments are a fixed amount that ensures your loans are paid off within 10 years (within 10 to 30 years for Consolidation Loans). This is not an income-driven plan. It is not a good option for those seeking Public Service Loan Forgiveness (PSLF). ⚡️Graduated Repayment Plan The graduated repayment plan starts with lower payments that increase every two years. Payments are made for up to 10 years (between 10 and 30 years for consolidation loans) This is not an income-driven plan, which means you will not qualify for Public Service Loan Forgiveness or interest relief as you would on an income-driven repayment plan. Even more detail here. ⚡️Extended Repayment Plan Payments may be fixed or graduated and will ensure your loans are paid off within 25 years. If your extended plan is graduated, then payments will rise over time. You will pay back significantly more interest than on a 10-year plan. This is not an income-driven plan, which means you will not qualify for Public Service Loan Forgiveness or interest relief as you would an income-driven repayment plan. Even more detail here. ⚡️Revised Pay As You Earn Repayment Plan (REPAYE) This is an income-driven plan. Your monthly payments will be 10 percent of your discretionary income. Payments are recalculated annually based on your updated income and family size. Unlike PAYE, though, the monthly payment can exceed the 10-year standard plan payment. ⚡️Pay As You Earn Repayment Plan (PAYE) This is an income-driven plan. Your monthly payments will be 10 percent of discretionary income, but never more than you would have paid under the 10-year Standard Repayment Plan. Payments are recalculated annually and are based on your updated income and family size. ⚡️Income-Based Repayment Plan (IBR) This is an income-driven plan. Your monthly payments will be either 10 or 15 percent of discretionary income (depending on when you received your first loans), but never more than you would have paid under the 10-year Standard Repayment Plan. Payments are recalculated annually based on your updated income and family size. ⚡️Income-Contingent Repayment Plan (ICR) This is an income-driven plan. Your monthly payment will be the lesser of 20 percent of discretionary income or the amount you would pay on a repayment plan with a fixed payment over 12 years, adjusted according to your income. Payments are recalculated annually based on your updated income and family size. ⚡️Income-Sensitive Repayment Plan This is an income-driven plan. Your monthly payment is based on annual income, but your loan will be paid in full within 15 years. Deferment ............................. You are in deferment on your 6-month grace period. Interest accrues during this period. This means your balance will increase, and you’ll pay more over the life of your loan. Any period of deferment will not count toward loan forgiveness. We recommend you enter into an income-driven repayment plan to lower your payment. Forbearance You are in forbearance, and interest accrues during this period. This means your balance will increase, and you’ll pay more over the life of your loan. Any period of forbearance will not count toward loan forgiveness. We recommend you enter into an income-driven repayment plan to lower your payment.

Leading the charge with “DIGITAL OFFERS” ushering in a new era for Buyers Agents

Hi Buyers & Realtors, Navigating the dynamic real estate landscape, I've refined our offer submission strategy to differentiate us truly. My approach now includes: ⚡️ Tailored Video Message: A personal touch from me, amplifying the sincerity of our offer. ⚡️ On-the-Spot Approval Letter: Demonstrating your client's immediate intent. ⚡️ Detailed Financial Snapshot: A transparent, client-validated outline of the offer. The key difference? After my initial discussion or voicemail to the Listing Agent, I can dispatch the entire offer directly to the agent via text, ensuring it gets the attention it deserves. A custom thumbnail of the property further accentuates our dedication. Combining this digital Outreach with the "BULLETPROOF BUYER" strategy only amplifies our leverage. When we can be pre-underwritten, and close in 10 days this is comparable to a cash offer for any seller. Will your offers blend in or boldly stand out in a market where every detail counts? The transition from traditional PDFs to the impactful 'Digital Offers' approach with me. Let's collaborate and redefine how your buyers secure their dream homes. Ready to embrace the future?

2445 NE Clackamas Street + Surrounding Neighborhood Report

Thank you for checking out this listing at 2445 NE Clackamas Street Please review the above link to see some precise financing options about what it would look like to buy this house. >> LINK TO PROPERTY DETAIL >> https://www.redfin.com/OR/Portland/2445-NE-Clackamas-St-97232/home/26541511 ----- Neighborhood Highlights "SULLIVANS GULCH" ----- Sullivans Gulch is a beloved neighborhood tucked into NE just below Broadway. You will enjoy a very central city location, that will be convenient to just about everything in Portland! ----- SUPREME WALKABILITY ----- The first thing that you'll find here is how much good stuff you'll be able to access on foot. 2 iconic Brunch Diners: 1. Cadillac Cafe https://goo.gl/maps/1Y6bTsizm7yuAP1u5?coh=178573&entry=tt 2. Milo's City Cafe https://goo.gl/maps/q6DjnGRhJzB3D7dT8?coh=178573&entry=tt And Steeplejack Brewing is only about 2 blocks away - one of the coolest new places to enjoy Portlands Brew pub culture https://goo.gl/maps/U2d6HYwxMDWk4GKe9?coh=178573&entry=tt You'll also be only a few blocks to a very unique spot called the "Sports Bra" - a sports Bar focused on WOMENS professional sports. It has been getting some national attention recently: https://www.yahoo.com/news/pioneering-sports-bar-portland-only-214050422.html --- You'll be able to walk up Broadway to Peets Coffee, or Twisted Croissant Bakery https://goo.gl/maps/1uvABqPLzpWPzVDJ8?coh=178573&entry=tt If you're looking for a spot to run your dogs - you'll probably be crossing north into the nearby Irvington neighborhood. Grant High School campus is maybe a 10 minute walk. Speaking of Grant High School- Grant is probably the most desired public High School destination in all of Portland. And Irvington Elementary is BELOVED! ---- GROCERY STORES ! Fred Meyers East side flagship store is about a 2 minute walk from this house New Seasons is only about a 4 minute walk. ----

5514 NE 38th Ave + Surrounding Neighborhood Report

Thank you for checking out this listing at 5514 NE 38th Ave Please review the above link to see some precise financing options about what it would look like to buy this house. >> LINK TO PROPERTY DETAIL >> https://www.redfin.com/OR/Portland/5514-NE-38th-Ave-97211/home/25840562 ----- Neighborhood Highlights: ----- FERNHILL PARK! - You'll be ONE block away from one of the very best parks in Portland. Wonderful play area, picnic areas galore, and off-leash dog park https://goo.gl/maps/agP4CXxK6eaF3pDd9?coh=178573&entry=tt This is also the park where Portland held "STAR TREK IN THE PARK" in years past : https://www.startrek.com/news/the-five-year-mission-of-trek-in-the-park Living at this house will but you SO CLOSE to so many things that Portland is famous for... Concordia and the Alberta Commercial corridor! Here are some hot spots you'll be able to walk to: 1. Kennedy School - (a true Portland ICON!) https://goo.gl/maps/TR5eSxBbaaUHSbLdA?coh=178573&entry=tt 2. Pine State Biscuits - (try a REGGIE SANDWICH!) https://goo.gl/maps/St2561xL9MPSBESt9?coh=178573&entry=tt The entire Alberta Arts district has more food options, mixology-cocktails, elite coffee than anywhere in town. https://goo.gl/maps/AX5XsZktjjZJFhGq5?coh=178573&entry=tt And it's capped off by the Alberta Rose Theater - a fantastic, refurbished historical theater that hosts touring music and comedy year round. ==== NE 42nd Ave! ==== There are some great options up 42nd Ave as well. Pizza Jerk - a modern spin on retro Pizza Parlors (in the top 20 of this best of list)- https://www.tastingtable.com/1279727/best-pizza-portland-ranked/ The SPARE ROOM - old school Bowling Alley!! https://goo.gl/maps/bz1hCEyFCGGf4ksr8?coh=178573&entry=tt GROCERY STORES ! New Seasons is the closest - certainly walkable ----

637 SE Harrison Street + Surrounding Neighborhood Report

Thank you for checking out this listing at 637 SE Harrison Street Please review the above link to see some precise financing options about what it would look like to buy this house. >> LINK TO PROPERTY DETAIL >> https://www.redfin.com/OR/Portland/637-SE-Harrison-St-97214/home/26648651 ----- Neighborhood Highlights: ----- Living at this house will but you SO CLOSE to so many things that Portland is famous for. Here are some hot spots you'll be able to walk to: 1. Double Dragon: https://goo.gl/maps/Ay9Q1k9WKdUoBQyk6?coh=178573&entry=tt 2. Palomar: https://goo.gl/maps/Gm5osH2o8beZ9a8b8?coh=178573&entry=tt 3. CARTOPIA (food carts on Hawthorne): https://goo.gl/maps/PFMC1bjpfLz8Jo3s5?coh=178573&entry=tt 4. Upper left Roasters: https://goo.gl/maps/B6acFxXq6eH6gqor6?coh=178573&entry=tt (some of the best coffee and avocado toast in the USA) 5. Pine State Biscuits: https://goo.gl/maps/oaK5Khd3idASZd3R8?coh=178573&entry=tt (The Reggie Sandwich is becoming a PDX Icon) SUMMER TIME DRINKS WITH FRIENDS: 1. Apex has a massive outdoor seating area https://goo.gl/maps/X8KJroq8i1sAs9QCA?coh=178573&entry=tt 2. Baerlic Taproom makes their own Brew! : https://goo.gl/maps/MjkriKH7G4W43MaQ9?coh=178573&entry=tt I also have to mention that this house is walking distance to a nationally famous comedy club "HELIUM" - https://goo.gl/maps/mHuxfFazTSQeVUw1A?coh=178573&entry=tt GROCERY STORES ! New Seasons is the closest - certainly walkable There is a Safeway up the hill on Hawthorne at 26th Ave Market of Choice to the north less than a mile ------- The Listing link has great information about the history of this particular street. And we are including some additional HISTORIC INFORMATION here in this site. Be sure to check out the PDFs here that describe the future plans for the OMSI district, as well as the deeper history of this home. -----

Rent Vs Own analysis

Hi There! I've gone ahead and uploaded some basic comparison detail for you based on our conversation today. I'm super excited to see how I can help guide you through this process! The main loan application link can be found above in the navigation.

4905 SE 32nd Ave + Surrounding Neighborhood Report

Thank you for checking out this listing at 4905 SE 32nd Please review the above link to see some precise financing options about what it would look like to buy this house. >> LINK TO PROPERTY DETAIL >> https://www.redfin.com/OR/Portland/4905-SE-32nd-Ave-97202/home/26440974 ----- Neighborhood Highlights: ----- DOG PARK ACTION: choose your own adventure to either Kenilworth Park: https://goo.gl/maps/fBeydhNz7jkx7kXc6 >> OR - cruise two blocks south to the REED CANYON nature trail: https://goo.gl/maps/5snKogprAKUq9mEv7 GROCERY STORES GALORE! You've got a Trader Joes up on 39th as probably your closest store. Definitely walkable. Then if you head north, you've got a Safeway just about 6 or 7 blocks up .... and if you head south to Woodstock, there is a New Seasons with a ROOFTOP BAR! ------- WOODSTOCK COMMERCIAL CORRIDOR ------- Woodstock Avenue is LOADED with great restaurants and coffee spots Ottos Sausage Kitchen and Meat market is legendary: https://goo.gl/maps/YQRLu2pe7x8cGRnD8 as is the DELTA CAFE: https://goo.gl/maps/JJoJGqgo6ULXYsTT7 -----

Primary Residence PLUS CASH FLOW!

Check out this analysis we had James Adair from NEO Home Loans put together for this property. From a financing perspective, the income from the Studio Apt/ADU nets out to make this property equal to a Single family residence bought at $610k! So about $190k of market affordability. ---------- other things we like about this property and the neighborhood: https://www.redfin.com/OR/Portland/5629-NE-24th-Ave-97211/home/185046403 << Redfin Link 1. Dog Park access - 2 blocks from Alberta park, and not that far from an AMAZING off leash area at FERNHILL PARK https://www.portland.gov/parks/fernhill-park 2. Grocery Store Access: - Walking distance to NEW SEASONS // very convenient to Safeway on MLK as well. 3. The KENNEDY SCHOOL! - every one who visits you will require a visit to the kennedy school. It's ICONIC https://www.mcmenamins.com/kennedy-school 4. Alberta Commercial corridor access Obviously

The Real Estate Professional of the future

James Adair [nmls 272766] Mortgage Advisor with NEO Home Loans hosts a Presentation by Ryan Grant, founder of NEO Home Loans. As Q1 of 2023 closes out, the real estate market of years past is clearly not coming back. What do we need to do as an industry to meet this moment?

Corporate Financial Wellness Program

James Adair a Certified Liability Advisor from the Home Ownership 360 Team recounts the variety of ways an employer group can augment their existing benefits package with a series of personal finance educational events in partnership with the National Institute of Financial Education + a proprietary technology platform from Neo Home Loans. The National Institute of Financial Education is a 501(c)(3) non profit organization aka Niofe.org. Niofe.org has created a unique credential for the mortgage industry known as the CLA, or Certified Liability Advisor. Reference links from the Presentation: Why Happy Employees are 12% more productive - https://www.fastcompany.com/3048751/happy-employees-are-12-more-productive-at-work The Ultimate Employee Perk: Home Ownership - https://www.forbes.com/sites/forbesrealestatecouncil/2018/05/08/the-ultimate-employee-perk-home-ownership/?sh=ce1927a3d7bb Warwick University Productivity study: https://warwick.ac.uk/newsandevents/pressreleases/new_study_shows/ More information on the National Institute of Financial Education: https://www.niofe.org More information on Certified Liability Advisors: https://www.niofe.org/aboutcla

1714 NW Couch # 22 Rent VS Own for 1st time buyer

Attention 1st time buyers! if you are planning on paying 1500-1600 to rent your 1 bedroom apartment in Portland, consider this property in the heart of Portland! Walk 5 minutes to Portland TImbers, or 5 minutes to your grocery store, or 5 minutes to the Crystal Ballroom! This rent Vs. Own analysis will show you precisely what it might take to acquire.

Qualified Opportunity Zones Explained

Thank you to everyone who came to our zoom workshop on Qualified Opportunity Zone Fund investing. There was great energy and great questions. For those who expressed interest but could not attend, I've created this resource for you to review. Contained on this page are: 1. the recording of our webinar 2. the slides used by the presenters 3. the Cyrus OZ fund pitch deck 4. My follow up Action Plan for how to find these conversations at scale 5. An UPDATE about depreciation recapture that was unresolved in our initial discussion - I'm providing some more info from a CPA about that. The upshot is that it looks as if the depreciation recapture would be DEFERRED along with the Capital Gain deferral! At the end of the conversation there was a reference to a Podcast episode featuring our speaker Mike Hardy. The link to that conversation can be found here: https://www.roadtofinancialfreedompodcast.com/s3-e4-opportunity-zones-and-the-core-four-with-mike-hardy/ More information about the Cyrus Opportunity Zone Fund can be found here: https://www.cyrusozfund.com/ For more specific questions reach out to Cyrus Investor Relations Lead- Trevor Fulkerson : 619-569-8648 // trevor@cyrusozfund.com or better yet- go ahead and schedule a time to have a conversation with them: https://www.cyrusozfund.com/schedule-a-call

Mortgage Rate BUYDOWN GUIDE

Here is the comprehensive report on the 2 types of MORTGAGE RATE BUYDOWNS you can get. I have put this together to help you make sense of the differences between the TEMPORARY and the PERMANENT mortgage rate buydowns. TL/DR: Benefits of the PERMANENT BUYDOWN: - Interest rate improvement lasts the whole duration of the loan term - Buyers QUALIFY at the lower payment - which can increase the total amount of money a borrower is allowed to access. - If interest rates end up NOT improving in months/years to come, the Permanent Rate buydown will likely provide more financial benefit. Benefits of the TEMPORARY BUYDOWN: - Buyer creates more affordability in the short term. The monthly savings can be 2x or 3x better compared to the Permanent in that temporary time frame. - The ENTIRE seller credit will go directly to the buyer (as opposed to the lender) - If interest rates DO end up improving - any remaining money in the temporary subsidy account will be applied to offsetting refinance costs. If the remaining credit EXCEEDS the refinance cost, any remaining money would be applied to principal reduction of the mortgage. Additional Detail: - Permanent Buydown Strategy is available for Jumbo, Conforming, FHA, VA, and USDA loans - Temporary Buydown Strategy is available for Conforming, FHA, VA, and USDA loans - but NOT JUMBO

Lender Level Price Adjustments EXPLAINED

Big Changes about to be implemented in how FNMA and Freddie MAC are going to price in risk. The agencies have always had specific "price tags" for different risk properties unique to each borrower - some combination of borrower CREDIT SCORE // DOWN PAYMENT // PROPERTY TYPE // AND LOAN PURPOSE would create different rate outcomes for different scenarios. Makes sense for sure! But we are going to be seeing some slightly different rates for common scenarios moving forward. This will become the new normal. Some scenarios will become LESS EXPENSIVE - and some will become MORE EXPENSIVE - I'm including a "heat map" here for quick reference. The RED areas have become more expensive, and the GREEN areas are less expensive. Some things that really STAND OUT to me on immediate review are: 1. 3% down purchase options have become less expensive across the board 2. Credit tiers have expanded to include new prices for 760-779 and 780+ 3. 2-4 unit property price adjustment has been REDUCED, and now ELIMINATED if the LTV is 60 or better 4. The INVESTOR / non-owner occupied risk adjustment has been REDUCED at the 30% down level and further reduced at 40% down 5. There is a BRAND NEW price hit for debt to income ratios above 40%

The NEO EXPERIENCE

As part of our company mission to CHANGE THE MORTGAGE INDUSTRY, we have made an investment in creating a next generation tech platform that we call the NEO EXPERIENCE! How does one access this platform, and what does it cost? The answer is: 1. There is NO COST TO USE IT, and 2. download the NEO EXPERIENCE APP at the mobile appstore of your choice. **SPECIAL NOTE** >> Once you open the app, it will ask you to provide an ACCESS CODE. - the ACCESS CODE is VALUE360 By using that code, your app will connect to the Home Ownership 360 Team for any relevant communication. Here is what the NEO Experience App gives you access to: 1. Credit Score Monitoring & Credit improvement Advice 2. Spending Tracker & Budgeting Advice 3. MORTGAGE READINESS ASSESSMENT TOOL - that will keep you in a basic state of pre-approval at all times 4. Monthly Wealth Digest reports about your real estate 5. HOME BINDER - "car fax for your home" - tracks appliances, paint colors, repairs/improvements and makes maintenance recommendations. 6. Relocation Tech - helps you forward your mail, and set up utilities with ease. 7. Our NEO "Annual Real Estate and Money Review" - Taking some time to be pro-active around your future real estate plans. Our vision for what we can offer our clients is far beyond what most expect from their lender. We intend to create an entire new service category around managed financing.

Why 2023 Real Estate Market is NOT LIKE 2008

Kim Parmon from Living Room Realty + James Adair converse about the fundamental differences between 2008 and 2023 with regards to strength/weakness of the Real Estate Market.

2023 New Loan Limits – With Examples on how they impact YOU

FHFA Announces Conforming Loan Limit Values for 2023 The baseline Conforming Loan Limit Will Increase to $726,200 FOR IMMEDIATE RELEASE 11/29/2022 ​​​​​​Washington, D.C. – The Federal Housing Finance Agency (FHFA) today announced the conforming loan limit values (CLLs) for mortgages to be acquired by Fannie Mae and Freddie Mac (the Enterprises) in 2023. In most of the United States, the 2023 CLL value for one-unit properties will be $726,200, an increase of $79,000 from $647,200 in 2022.​ National Baseline The Housing and Economic Recovery Act (HERA) requires that the baseline CLL for the Enterprises be adjusted each year to reflect the average U.S. home price change. Earlier today, FHFA published its third quarter 2022 FHFA House Price Index® (FHFA HPI®) report, which includes statistics for the average U.S. home value increase over the last four quarters. According to the nominal, seasonally adjusted, expanded-data FHFA HPI, house prices increased 12.21 percent, on average, between the third quarters of 2021 and 2022. Therefore, the baseline CLL in 2023 will increase by the same percentage.​ High-Cost Areas For areas where 115 percent of the local median home value exceeds the baseline conforming loan limit, the applicable loan limit will be higher than the baseline loan limit. HERA establishes the high-cost area limit in those areas as a multiple of the area median home value while setting the ceiling at 150 percent of the baseline limit. Median home values generally increased in high-cost areas in 2022, which increased their CLL. The new ceiling loan limit for one-unit properties will be $1,089,300, 150 percent of $726,200. Special statutory provisions establish different loan limits for Alaska, Hawaii, Guam, and the U.S. Virgin Islands. In these areas, the baseline loan limit will be $1,089,300 for one-unit properties. Why And How Much They Increase Each Year The Housing and Economic Recovery Act of 2008 (HERA) requires that the baseline conforming loan limit (CLL) value be adjusted each year to reflect the changes in the national average home price. HERA specifies that the Federal Housing Finance Agency (FHFA) “establish and maintain” an index for tracking average home prices for this purpose. In May 2015, FHFA published a Notice and Request for Input announcing its plans to use the nominal, seasonally adjusted, expanded-data FHFA House Price Index (HPI) for this purpose.1 Having received generally favorable feedback to the announcement, in October 2015, FHFA published a Final Notice declaring that it would follow the original plan.

2022 vs 2021 for Buyers

Yes rates have gone up. But you also no longer have to pay 100k over list! + you can negotiate some seller credits. But look what happens when you account for the tax benefit of the higher rate- it is MASSIVE! This "Tax adjusted" analysis shows the 2022 buyer potentially not suffering very much at all financially - take a look

Temporary Mortgage Rate Buydown Strategy

A real example of how one of my clients is using the "temporary Buydown strategy" to take advantage of the market. This credit will help subsidize their mortgage payments SIGNIFICANTLY for the next couple years, and even help them PURCHASE THE EVENTUAL REFINANCE! This is the opportunity that we're seeing in late 2022!

Who should be be Buying right now?

James and Jason describe the kind of buyer who benefits from this current high interest rate environment: * The LOW CASH BUYER This 3-5% down buyer was fully dysfunctional through most of the covid/low rate real estate bonanza. The LEAST attractive offer for a seller with multiple offers. Above list price - that low down payment makes appraisal gap coverage near zero - that request to credit to the closing costs wasn't available, and this buyer just wasn't getting any traction. But this rate environment has slashed buyer activity, and frankly has created a temporary affordability challenge. But all the problems described above are now GONE! This is the opportunity. Take advantage of your new-found negotiating leverage. When rates eventually improve, that leverage will evaporate. So take advantage of setting your home price now - and when rates do improve, you'll just be refinancing - NOT competing again.

How Rising Rates impact buying power

Click this above report to show details on how our recent shift in the price of mortgage financing impacts buyers. The first option starts with an illustration of a $600k purchase in January of 2022 at an interest rate of 3.5%. You can see the total cash to close + the total estimated monthly payments The second option shows what happens to the purchase price at a rate of 5.25% (which is where we went in spring of 2022) - If we were constrained to the same bottom line cash to close and the same monthly payment, the purchase price is reduced from $600k >> down to $500k - $100k reduction in buying power. The third options shows the same thing based on rates available in June of 2022 post fed rate increase. Again, if we were constrained to the same cash down + same basic monthly payment we are looking at a total PURCHASE PRICE of $470k. A total reduction in potential buying power of $130k. The same dollars in June afford you a property of $470k, that would have bought you a $600k property in January. The 4th option shown is simply what that same $600k purchase looks like today vs January. The impact of the increased rate is over $800 per month for that property now.

The Bulletproof Buyer Experience

How to create the strongest possible offer as a Buyer: 1. Have a deep understanding of the market - our buyer consultation will level you up. 2. Have a PLAN for the home possibly not appraising for offer price. We call this the "Appraisal Gap Strategy" 3. Get your loan application FULLY UNDERWRITTEN. - Go beyond the standard "pre-approved". A fully underwritten pre-approval does 2 things: It takes risk off of the seller. and 2. Allows us to close the loan faster, sometimes in 15 days or less 4. Write a CASH OFFER. We partner with a third-party service that can allow certain types of buyers to make an all-cash offer. Once the real estate is acquired, we perform a standard purchase mortgage on our own schedule.

Seller Buy Down Strategy

How do you solve for "low ball offers" on the selling side? How do you lever your way back into this market on the buying side in light of recent rate increases? Watch this report to show a win-win solution!

How to track ACTUAL mortgage rates

Its so difficult to know how to follow what is happening in the mortgage market. I'm happy to share this tool with you to have a window into the FACTS about what the mortgage market is actually doing, as opposed to what the mortgage market is ADVERTISING. The "NATIONAL RATES AVERAGE" widget embedded into this website will give you the MOST up-to-date intel on what a significant portion of the US Mortgage industry ACTUALLY LOCKED for their clients YESTERDAY. It is a live feed that is updated DAILY (and reflects the locked rate data from the previous business day). I also have a video that I do my best to keep updated every Friday embedded here as well that gives some added context on WHY rates are moving the way they are. Feel free to reach out and schedule time to talk about your specific situation with me

Multi Family Investment Purchase Analysis

Here is an illustration of a Multi - Family home bought as an investment Max conforming loan amounts for multi-unit / mult-family property as of 2022: 2 unit: $828,700 3 unit: $1,001,650 4 unit: $1,244,850 This example reflects a purchase of $750k with 25% down (the minimum allowed) This was created on Feb 22, 2022 at 9:30 AM << rates change every day! However, the general relationship between these options will remain intact as the mortgage market fluctuates.

Single Family Investment Purchase Analysis

Here is an illustration of a single family home bought as an investment, and 4 different possible financing options: 1. 15% down (minimum allowed) < includes monthly PMI 2. 20% down - eliminates PMI 3. 25% down - optimized risk premium 4. 25% down - waive the lender discount points and see a higher interest rate. This was created on Feb 22, 2022 at 9:30 AM << rates change every day! However, the general relationship between these options will remain intact as the mortgage market fluctuates.

The Cash Buyer Program

Partner with the PDX Home Loan team to help take control of this market! Turn contingent buyers into CASH BUYERS! Watch the explainer video to the right for more information. Schedule a strategy call with James with the link in the upper navigation to see how it might work for your business.

The Cost of Waiting to Buy

Buying real estate in a tight sellers market like we have now is like jumping on to a fast moving train! It's scary! and many would prefer to wait for that "train" to SLOW DOWN.... but I believe that waiting can be very costly. Timing is everything in life, and if it truly is not a good time to buy, you should follow your instincts... but make sure you make an EDUCATED DECISION! Don't decide not to buy because you don't understand how pricing works and how appreciation can supercharge your personal wealth building.

New FNMA Loan limits for 2022

Major upgrade in Conforming financing! Now that the limit has gone up by almost $100k - how does that translate into our real estate market?

What can $20k get you in Real Estate?

Different ways to deploy $20k Cash as a real estate buyer. You can strategically use Lender Credits or Seller Credits to help push you further up market.

Step by Step Guide to Home Buying

lets go on a journey together! A Narrated trip through an award winning info-graphic that I had commissioned a few years ago! There are lots of these "guides to buying a home" on the internet, but this one will hopefully help you see how the process flows.

Reviews

"I can’t believe how many times James has helped me to understand my options for buying a home. I have called him several times over the years and asked him to give me options for home buying and to simplify my loan options. I always hang up feeling very grateful for the time, the patience and the choices he comes up with. James looks at the big picture and explains every detail I need to make an informed decision. He listens and makes the world of home buying not so complicated. I would recommend James Adair to anyone. He is a master communicator. He is kind and very knowledgeable."

tracy livermore

"James and Jessica did a great job, and fit perfect for me as a first time home buyer. James discussed multiple options and helped me find a loan package that balanced both long term wealth with near term affordability. James helped me to understand the mortgage process more thoroughly, and even screenshared the exact interface that he used to lock in rates. To top it off, he attended closing with me at the escrow office and participated real time with questions I had on the final documents. 10/10 - would make a large financial decision with them again"

robert holt

"James has guided me through two home purchases. He connected me with the real estate that he felt would fit the property type I was looking for, which has also been a great success. He and his team make the home buying process a breeze."

n warren