The financing plan details will include:

DOWN PAYMENT    In the purchase offer, we will include the down payment amount you will apply toward the purchase. This will convince the seller that you are serious about buying the property and will give him/her further evidence of your qualifications to secure a mortgage.

We will also attach a pre approval letter from the lender saying that your credit rating has been examined and that you can afford to buy the home. This shows the seller that you are serious about buying the home, have committed to the lender and are qualified to buy it. This will increase the chances of your offer being the one accepted.

INTEREST RATE   Within the purchase offer, we will provide a safeguard against any dramatic change in interest rates between the times when the offer is made and when the loan is closed. The offer will not only be contingent upon qualifying for a mortgage, it will also be contingent upon an interest rate within a certain range.

SELLER ASSISTANCE   If the house you select is at the top-end of your budget range, we may want to include a request for seller assistance to pay a portion of the closing costs traditionally paid by the buyer or to help "buy-down" your interest rate. Other seller assistance may include having the seller "carry back" a second mortgage to cover your down payment or even 100% seller financing.

With any of these seller assistance options, you can expect to pay a higher purchase price than if you had handled the financing through a traditional mortgage lender in the Winston Salem, Clemmons, Lewisville, Buena Vista, Advance, Pfafftown, Bermuda Run, N.C. or anywhere else.

The offer that we write will be friendly and we will not make unnecessary or ridiculous demands through it.

There are certain elements in a purchase offer that will most often turn the decision in your favor.

We will enter your best offer in the letter. It does not pay to make a low offer. The seller will then naturally ignore your offer and opt for one that gives the best price.

Since most sellers prefer to close the deal as soon as possible, within a month preferably, it will be to your advantage to offer to close it even sooner. This just might be the factor that will convince the seller to accept your offer.

We will advise you to write a personal handwritten letter along with your offer. You can use it to explain why you are really anxious to buy the house and why your offer should be considered. The emotional connection is very strong and will convince the seller to consider your bid.