The House Hunters Program is a 3-month program designed to get your financial house in order. The Program will help you make smart buying decisions that don't bankrupt your future. Your first step is to schedule a Kickass Session so we can get to work right away.
Here’s what you get when you sign up for the House Hunters Program.
Read the Agreement of Understanding
Buying a house is an exciting – and scary – event. The House Hunters Program will give you a solid financial foundation and prepare you for a bright future. Here are the four primary components of the Program.
What are your financial goals and how does home ownership fit into the picture? We’ll create SMARTER financial goals that will help you prioritize your financial decisions. Plus, we’ll create a month-by-month playbook that will put you in a good position when you’re ready to buy a house.
If you have a Good to Excellent credit score, the best mortgage rates are reserved for you! But if your credit isn’t so great, you’ll be paying a lot more than your Good Credit friend. If you need a credit boost, we’ll work on a plan that will improve your score. But it won’t happen overnight – you’ll have to be patient!
Once you qualify for a loan, you might be surprised by how generous the bankers can be. Plus, the realtors may encourage you to buy the biggest and most expensive house you can (they’ll get a bigger commission). So let’s draft budgets using different scenarios with you as a home owner. We’ll include projected costs of mortgage, property taxes, insurance, and homeowner association fees so you can better gauge how much house you can afford. We’ll see what happens to your budget if you buy at the high end, low end, or middle of your price range.
Depending on the cost of your house, you’ll need a down payment of at least 5% (10% for higher-end homes). In fact, the larger your down payment, the lower your interest rate will be. You’ll also be hit with closing costs that average 2% to 5% of the purchase price. We’ll work together to come up with a savings strategy that will help you make home ownership a reality.