3. And get it fixed up the way YOU want it…

4. Homes needing at least $5000 in repairs Property values are higher than sale price Homebuyer qualifies for cost of house + repairs This is an FHA guaranteed loan that allows buyers to purchase homes that are in need of immediate repairs. Purchaser pays a mortgage for the cost of the home + the cost of the repairs.

5.  Able to offer a variety of loan options (conventional and FHA)  Caring and understanding  Readily accessible  Knowledgeable/Experienced  Excited about your goals

6. þ Look for problems and conditions you would change. ? Ask yourself the question: Would I buy the home if ________ was new? (fill in the blank) þ Find out what the homes in area are selling for. ? Is there room for you to add the cost of repairs to the asking price and still be at or below market value? þ Get understanding of seller’s intentions if repairs are needed. ? Will the seller lower his price to allow you room to add repair cost?

7. A qualified inspector can determine if you may benefit from a 203(k) loan for the home being inspected.

8. n Roofing, siding n Plumbing repairs, heating-including replacement, electrical n Interior repairs- windows, doors, flooring (carpeting, tile, etc) n Kitchen and bathroom upgrade (complete remodeling) n Major renovation- additions, re-design, complete remodeling

12. The only dumb question is?…

13.  Carefully review all costs/fees with your real estate agent, consultant and lender before closing.  Take your time selecting a contractor – consultants may provide recommendations  Check with insurance company about coverage during renovation process.

14. Why Value Home Inspections? Professional Service Full Time Experienced 203(k) consultant All necessary reports provided for loan Fully staffed office –Monday to Friday 7am-7pm Going the extra step is our policy

15.  Ask Questions…Get Answers  Take time to do a pre-settlement walkthrough  Work closely with your real estate and mortgage professionals