And get it fixed up the way YOU want it…

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.

Able to offer a variety of loan options (conventional and FHA)

Caring and understanding

Readily accessible

Knowledgeable/Experienced

Excited about your goals

Look for problems and conditions you would change.Look for problems and conditions you would change.

?Ask yourself the question: Ask yourself the question: Would I buy the home if Would I buy the home if ________ was new? (fill in the blank)________ was new? (fill in the blank)

Find out what the homes in area are selling for. Find out what the homes in area are selling for.

? Is there room for you to add the cost of repairs to the Is there room for you to add the cost of repairs to the asking price and still be at or below market value?asking price and still be at or below market value?

Get understanding of seller’s intentions if repairs are Get understanding of seller’s intentions if repairs are needed.needed.

? Will the seller lower his price to allow you room to add repair cost?

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

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

The only dumb question is?…

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.

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

Ask Questions…Get AnswersAsk Questions…Get Answers

Take time to do a pre-settlement Take time to do a pre-settlement

walkthroughwalkthrough

Work closely with your real Work closely with your real

estate and mortgage professionalsestate and mortgage professionals