What Is a Home Buyer Opportunity Review and The

What is A Home Buyer Opportunity Review and the

Comprehensive Home Asset Management Program?

If what you thoughtyou learned about the real estate market from the media turned out to be Absolutely Wrong, when would you want to know? As the media has gotten caught up in the pace of news these days, only having literally seconds to share a story, often the real story is either glossed over or just down-right miss-reported. The truth is that there are relatively few factors that can create more financial success than owning a home, and according to most industry experts, there has not been a better time to BUY real estate in the past 30 years. If you are already a homeowner, I know on paper it looks like you may have lost a lot of money recently,but hang in there, It will take time, but real estate values will reverse course soon. And if you have to move right away for some other reason, keep in mind that generally all properties in the area have been equally affected, and there are still many ways to maximize your financial situation in this current market. SPO let us help you plan for how to capture these opportunities through our Comprehensive Home & Asset Management Program.

IF YOU ARE RENTING or for whatever reason missed out on the biggest real estate bubble ever, pat yourself on the back. You are in the ideal position to benefit.

Buying a home is an investment. There are three time tested keys to success when investing:

1. “Sell into a bubble, and buy when there is blood in the streets.” (Buy low and sell high.)
2. Despite the havoc emotion wrecks on our expectations, markets don’t go up forever, nor do they plunge to zero. Rather they ALWAYS revert to the historical mean for price appreciation.
3. When you can, use other people’s money (O.P.M.).

To be a successful investor you must stay calm in the face of adversity, and move in the opposite direction of the crowd. If you want to invest like Warren Buffet, follow these rules. I can’t guarantee you will catch up to Warren or Bill Gates, but with patience, over time your fortune will rise.

If you want to get rich, don’t look at the guy at your own level, look at the wealthy and ask, “What are they doing differently.….and why? For middle class America, properly managing their home’s equity in alignment with their overall financial strategy, over time can be the difference between being able to retire when they want, versus not being able to retire at all. Sadly though, many clients come to us looking at the process of getting a mortgage in a vacuum, not think at all about how this decision will affect their financial future. Most clients also come to us not fully realizing the power of a mortgage and home as a financial tool. So for many our unique Comprehensive Home & Asset Management Program is a huge wake up call. Think about it for a second, would you ever take several hundred thousand dollars and invest it solely based on the recommendation of the Media, society and your peers; realizing that their information is more than likely outdated? The fact of the matter is that by the time the media figures out that a financial trend is taking place; often the real opportunity has passed by.

So don’t make the same mistake with your financial future! Let us show you how to properly achieve your financial goals by completing and sending back the attached pages included here.

Now is the time to discover the best way to safely put your monthly housing expense to work for you, and learn a strategy that willget you well on your way to financial independence. The sooner you are introduced to the principals of the Comprehensive Home & Asset Management Program by completing the Home Buyer Opportunity Reviewthe sooner you will be on the road to a brighter financial future.

The Home Buyer Opportunity Review includes four primary actions:

1)A review of your income. As a rule of thumb, the mortgage payment including principle, interest, taxes, and insurance should not exceed 28% of your pre-taxmonthly income.

2)A review of your credit report. Credit and income is where the banks have tightened their lending standards. We want to be sure your credit card and installment debts (car and student loans) are properly reviewed, and that any issues are addressed and rectified upfront.

3)Analysis and explanation of how the tax benefits of home ownership apply to your specific situation. Before investing in a new home, it is important to fully understand the tax benefits, such as deducting the mortgage interest, and real estate taxes. In addition, there are special credits for first time home buyers. All typically means increased cash-flow to your household.

4)Rental cost analysis: What is renting really costing you? This report will give you an accurate look at exactly how much you will potentially gain in savings & equity over the period of time you plan to live in your new home. For example if you are currently paying $750 a month for rent, over 5 years is over $45,000 spent, versus purchasing a $125,000 house, which could add over $30,000 to your net worth in just 3 yrs, (at normal average real estate appreciation rates of 5%)… and what will you have 5 years from now if you continue renting?

5)Determine how much you can afford, given your budget or the price range of the home you want. The above gives us all the data, now we factor in your budget and/or price range and give you an honest assessment and accurate projection of how much it will cost to close and to maintain on a monthly basis. If you don’t have a budget, we’ll help you develop one.

6)Selecting a real estate agent. Recommendations and some guidelines for selecting a real estate agent are provided.

“Knowledge is power.” If you are in the market for a new home we want you to approach what will likely be your largest investment from a position of power. So take advantage of the Homebuyer Opportunity Review. It will save you time and potentially lots of money. It is a buyer’s market. If you are informed and ready, you could be moving into your dream home sooner much sooner than you thought possible.

Home Buyer OpportunityQuestionnaire

As part of ourComprehensive Home & Asset Management Program we will help you develop your financial success over the long term, to ensure that you are in the best position based on your goals and current market conditions. Now is the best time to be sure you have the right strategy in place so you can have a plan to maximize your financial acceleration.Also with this goal in mind, we want to make sure that you are aligned with the right advisors so that you and your family have the best chance of reaching your financial goals, faster than you may have ever dreamed possible. In order for us to provide you with the most accurate and professional Comprehensive Financial Analysis, it is necessary for us to learn about your current situation. Please take a few minutes to answer the following questions:

1. Is the home purchase for?:Primary Residence Second Home Investment

Or Not purchasing property at this time (if checked, skip to question 18)

1. How soon are you thinking of buying?

Immediately 2-6 months >6 months

1. What price range of home is appealing to you? $

1. What type of property are you looking for?

Single Family Town Home Condo (high, mid, low) Multi Family (2, 3, 4 unit)

1. Preferred Location (County/ Suburb or Township)

1. Preferred Age Of Home

New Construction <10 years old <30 years old other

1. Preferred Number of Bedrooms: 1 2 3 4 5 6 7 8 9 10
2. Preferred Number of Bathrooms: 1 2 3 4 5 6 7 8 9 10
3. Preferred Square Footage: Between and square feet

1. Preferred Home Style

1 Story A-Frame Colonial Mediterranean Other

1.5 Story Bungalow Contemporary Mobile Home Tudor

2 Story Cape Cod Log Split LevelVictorian

1. Preferred Interior Features

Basement Finished Basement Hardwood Floors Tile Floors

Central Air Fireplace Laundry Room Workshop

Den/Study Formal Dining Room Natural Gas Heat

Family RoomGreat Room Recreation Room Other

1. Preferred Garage

1 or more 2 or more 3 or more 4 or more attached parking

1. Preferred Exterior Features:Fenced Yard Horse facilities Spa Swimming pool Tennis court

Other ?:

1. Preferred Acreage <0.5 acres 0.5 or more 1.0 or more 2.0 or more 5 or more

1. Preferred School District/ Private School:

Elementary:

Middle:

High:

College:

Other:

1. Is Being Close To Work Important? Yes No

If Yes, what city do you work in?

1. Other Preferences?

1. How much of your monthly budget have you allocated for the payment on this home?

$

1. How much did you plan on using for down payment?

0% 3% 5% 10% 15% 20% other

1. How long do you expect to keep this property?

2 years or less 5 years or less 5-7 years5-10 years 10+

1. How long do you expect to keep this mortgage?

2 years or less 5 years or less 5-7 years5-10 years 10+

1. What is most important about this mortgage to you? (check 3 that apply)

Lowest paymentMaximize Tax Benefits

Lowest closing CostsPaying the loan ASAP

Improve Credit HistoryLowest Down Payment

Eliminating other debtOther

1. Do you have any plans for other major investments in the next 12 months?

New CarHome Improvements

CollegeRental Properties

HealthOther

1. What are your current mortgage loan balance(s) & rate(s):

1st: $ /% 2nd: $ /_%

1. Do you have a family budget that you review regularly? Yes No

Is it written down? Yes No

Do you practice cash-only (delayed gratification) spending? Yes No

1. What is most important to you about your overall financial planning strategy at this time?

Please rank the following goals by priority (1 being Highest priority).

1 2 3 4 5 6 7 8 9 10Improve Cash flow 1 2 3 4 5 6 7 8 9 10Create a Comprehensive Financial Plan

1 2 3 4 5 6 7 8 9 10Maximize Education Savings 1 2 3 4 5 6 7 8 9 10Creating a 6-12 Month Cash Reserve Account.

1 2 3 4 5 6 7 8 9 10Maximize Retirement Savings 1 2 3 4 5 6 7 8 9 10Maximize Investment Contributions

1 2 3 4 5 6 7 8 9 10Live comfortably on one income 1 2 3 4 5 6 7 8 9 10Maximize Asset Portfolio Performance

1 2 3 4 5 6 7 8 9 10Live on a fixed income 1 2 3 4 5 6 7 8 9 10Real Estate investment Strategies

1 2 3 4 5 6 7 8 9 10Tax Reduction Strategies 1 2 3 4 5 6 7 8 9 10Asset Protection Strategies

1. Do you have a tax deferred retirement plan at work? Yes No

Do you participate in the plan? Yes No

If Yes do you maximize your contribution Yes No

1. Do you prepare your own tax returns? Yes No
2. Are you familiar with how the tax advantages of a mortgage work? Yes No
3. Do you expect your income to change at any time in the next three to five years (either positive or negative)?

Yes NoIf so, how?

1. Rate for me on a scale of 1-10 (10 being best) your relationship with your:

Real Estate Agent 1 2 3 4 5 6 7 8 9 10Estate Planning Advisor 1 2 3 4 5 6 7 8 9 10

Tax Preparer/CPA 1 2 3 4 5 6 7 8 9 10Life Insurance Advisor 1 2 3 4 5 6 7 8 9 10

Financial Planner 1 2 3 4 5 6 7 8 9 10Home Insurance Advisor 1 2 3 4 5 6 7 8 9 10

Trust/Will Advisor 1 2 3 4 5 6 7 8 9 10Auto Insurance Advisor 1 2 3 4 5 6 7 8 9 10

1. Do you currently have a retirement plan established? YES NO
2. At what age would you like to retire?
3. Do you currently have a tax-free college fund set up for your children or your grandchildren?

Yes No

1. List for us some of your hobbies.

1. When we communicate with you going forward, what is your preferred form of communication?

Email Telephone Mail

1. How would you consider your financial philosophy? Conservative Moderate Aggressive

1. Please Briefly describe why you rated yourself the way you did in question number 25.

BORROWER Quick & Easy Pre-Application CO-BORROWER
Full Name: / Full Name:
Married / Single / Divorced / Married / Single / Divorced
Date of Birth: Yrs of School: / Date of Birth: Yrs of School:
Social Security #: / Social Security #:
Current Address: / Current Address:
How Long at address ?: / How Long?:
Rent / Own / Rent / Own (Circle One)
Current Monthly Housing Expense: $ / Monthly Housing Expense: $
BORROWER EMPLOYMENT CO-BORROWER
Self Employed: Yes / No / Self Employed: Yes / No (Circle One)
Employer: / Employer:
Address: / Address:
Position / Title: / Position / Title:
How Long?: years months / How Long?: years months
Phone #: / Phone #:
Income: $ Per: HourweekMonthYear (Time Period)
If Hourly AVG HRS/week: / Income: $ Per: HourweekMonthYear (Time Period)
If Hourly AVG HRS/week:
***Previous Employment - If current employer is less than 2 years we will contact you to obtain
ASSETS & LIABILITIES
Checking Acct
$ / Savings:
$ / Stocks & Bonds:
$
Retirement - 401(k) / IRA:
$ / Gift Money:
$ / Gift Money:
$
Alimony:
$ / Child Support:
$ / 401(k) Loans / Other Loans:
$

REFERRED BY:

Name: __

Title:

Phone: __

Email: _

PRIORITY ATTENTION

PLEASE GIVE TO Client Introduction Team

Date:

To:Erik Janeczko

Fax #:866-398-7401 or email to

Subject: HomeOpportunity Review

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