Previously, Via home was va loan. Now, if you are a service member, a veteran, the spouse of a veteran, you actually have an incredible loan program at your disposal of a Va loan with zero percent down as no credit score requirement. I’m pretty amazing right now. One of the things that I wanted to share with you a little bit screen, so you see.

A couple of them. Kevin was one of my daughters, is working from home.

With 0% down a 20 $ 500, $500 back and clothing.

Kelsey, my client Kelsey,bought a home for over $15000. Absolutely amazing stories that I get to witness the details of a great program and, VA Loan.

And now we can offer you a bid for second home. So that’s what we’re going to talk about in the video. My name is Janine Sasso I’m a local real estate in the northwest suburb of chicago, and I’ve help many, many will say many, many military clients that are coming for me to the Arlington Heights home in Illinois. And I hope I get the house with you. But yes, the military moving. It’s probably not new to do all right for you. I know you’re a great sometime.

So if you are not into renting and part of your cup of tea, let me introduce you to a new ground breaking thing that the VA has rolled out for you. Now,VA Loan can be used to purchase a second home. And this is amazing because if you are relocating to another area and you already own a home in about a now, what you can do is you can purchase a second home on me before you need to figure out what to do with that one. You could also use that V.A. loan if for example you have a growing family. Now, if you are in a for the first time, a large amount. But it was, by the way.

You can certainly use this second loan and get it. I’m finding more and more like a similar area. I guess you would know. I’m not entirely sure on all of them. And I might be a lender, but I definitely want you to consider this one when you are in that situation. If you’re not hearing, you have probably a loan. If you’re looking to buy another one, this might be great. And here’s the thing. They can be flexible. Think about starting a rental income thing. That’s not going to work. So hopefully for couple, if you have any other questions regarding opening your, you can always use it as a go. My name is Janine Sasso. I’m a local real estate agent for the Arlington Heights. And I hope you have a date and let me know.And you will.

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What you should. You buy a house? Sight unseen, literally blindfolded. Well, let’s talk about it, because this market has about 45% of buyers purchasing a home site.. My name is Janine Sasso and a local real estate agent in the northwest suburb of Chicago. And I help buyers and sellers realizing their real estate dream is off market. We really want to get our foot in the door as early as possible. Kind of like the earthworm that catches the worm right now.

he early stuff catches the worm and you go and sometimes you just need to get in there early in order to compete. Because if you are not even able to get your offer in, you negotiate, right? One of the things I want you to think about is the golden rule of real estate. Location, location, location. Right. You might be able to fix an outdated bathroom, but if the house is located in a neighborhood that you are not particularly making, because the way of the front yard or the drain located behind a busy highway that’s beautiful up there and home might not be the best investment.

So first off, make sure that you are looking beyond the home. If you’re looking at sight unseen, very, very important, you can simply have your agents do a face time with you, a Skype call. However you want to do it in order for you to not only see the house, but also ask and see the surroundings, look at the you know, how the opening painted, what the rounded well, google zoom view where you can just zoom in and see what’s there, maybe the power lines and everything, the highway and have you able to walk up and down a couple of streets. I mean, you should really know what it looks like. Look at all the cars On the house. As I mentioned, it’s really important to your overall purchase decision.

If you’re submitting an offer, write something a bit more frequent, more effective, and that well, when it comes to negotiations, believe it or not, listing agents will.
Want to know, have you actually seen the House? What can make a huge difference in the negotiation process if your agent has a spot in the home to show it to you via video talk? You’re definitely in a better position if you think, Oh no. We just look at the pictures online simply for the fact we want to make sure that a buyer has a little bit more of an emotional value tied to the property, not just submitting an offer so they can have the time to try it in person.

And then within the first couple of days decide, you know what, it’s not the house for us for them to walk away, but thanks so much for letting us see it. So definitely be mindful of that fact when you’re looking to purchase a home sight unseen. So I hope some of this was helpful. I know it’s tough to get your foot in the door sometimes, which is why I want to introduce you to our Secret Home website. We have hundreds of listings available and I tell you, the last couple of buyers I have, they have found their home and it wasn’t even listed on Zillow or Redfin. We’ve gotten them in the door prior to the home getting publicly listed. And it was a dream home.

They fell in love, made an offer and purchased it. You can get access to that exact same flat. All you got to go and do is go to www.bit.ly\secrethome and you can get access. We’re going to ask you a couple questions in the area because we have literally hundreds of homes and we want to make sure we’re hitting the home that we’re interested in. So make sure you spell that one out. My name is Janine Sasso and the local real estate agent in the northern suburb of Chicago. And I hope I get to help you realize your dream of real estate.

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No money to buy a house. No problem. I got you covered in this video. I want to introduce you to Kevin, who got $2500 back at closing. But tell me, who got back over $1500 ? Well, you know what? My friend Lori just needed to bring in less than $600 for closing. Sounds too good to be true. It actually is not. Let me actually start by introducing myself a little bit. My name is Janine Sasso, and I am not only a local real estate agent in the northwest suburbs of Chicago and a little bit of a map nerd. I have to admit, it’s one of the things that I love to do is to make sure that my clients are super, super happy with the amount they have to brand clothing stores produce at home.

And if you are a veteran, my goal is to always make sure I do walk away with some money back in your pocket as my way of saying.
Thank you for your service. So let’s try this and I want to talk to you about a couple things that you can do.
The first thing that I always want to make sure I’m in place when I look at the fact that I don’t want them to clean up any savings that they have in.
Their bank account by purchasing a home is definitely something that I think is important for you to have a safety net. Yes, I have an infection
Yes, no problem with that. But I would like a rainy day fund.
Is something that makes you sleep a little bit better at night. So I do feel like I’m trying to aim for what people can save

That will be for your price. And then I will work with my most preferred lenders of enabling the numbers around to.

The point where we’re going to consider credit and doing other
things that will leave you with more money than what you think.Okay

Now we’ve got we want you to have some savings, right? And this is very, very true. Now, I want to tell you a story about one of my clients was getting these gifts, right. He was getting some funds from a family member.

And the lender needed to see that those funds were in their bank account available. However, we.

Also were able to move our numbers around a little bit and that gift while I was there.

We actually have a credit negotiate and then I’m proposing right back to our relatives.

So it was all take care of somebody. You can get a gift that if you know, you can use it for a great benefit for everybody involved

No doubt. It’s also a great way for you to utilize those programs and get into a home without having this massive amount of savings. Now, I will give you a word of caution that not.

All grants and funds are forgivable, meaning that sometimes you have to pay them back. Do you research and know of the grant program? Because generally speaking, the free money.

They’re out there, but they have heavy qualification requirements. And just be aware.

And not just doing that, make sure you do your research. Now, while we are on the topic of how much money to put down.
Let’s talk about that magic number of 20% down. Why is everybody saying 20% down? You know if you have 20% down here lender consider you know

Read your net to write commercial. So when you have $20,000, you get generally a better interest rate. great thing for for this. But if you to wait and save up. Wait, wait and wait and see if you see what happens is that often times.

Are not stable. They are going to love them for a long time. What would you say? More for your money, more for your health. It is now more expensive. So you deal with them.

Nothing for me and good for you. Not in the long run.

So hopefully you can see where there are some strategies coming in that you and my team are specializing in. And I want you to have this both go of everything that we do at all times. So I do have an amazing story offer for you, and I hope you take me up on it. It is my left out negotiation strategies piece in which we are going to share with you how you can negotiate like your life depends on it. We want you to not ever.

You need to be in a position to lose a dream home in a more positive way from the way you really think. So feel free to go ahead and download it. You can do.

So at www.bit.ly\blesstheNegotiation and download right down below link down there when you double and the local. And I can’t.

Wait to connect with you and help you work.

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Buying a condo like a condo can be tricky enough, but I want to make sure that.
You’re not falling prey to some of the most common pitfalls maintenance means as well. I’m a local real estate agent in the.
Northwest suburbs of Chicago, and my mission is to help buyers and sellers accomplish their real estate. Goals are great. They have pretty much no outside Syria maintenance and you worry about they are getting taken care of by the management company. But one of the things you want to look out for is make sure you purchase the condo with a strong resale value. And I want to give you a couple tips on this one. I suggest that you look back a few years and see how the market time for that particular building that we’re considering have been. Generally speaking, the shorter the time in the market where people are trying to sell the condo, the better it is for resale value. Another thing to look out for is the budget. Sometimes unexpected expenses can come up with a building and it’s really reassuring knowing that they have enough funds to have a unless one would go hand in hand is also the fact that some real low information for you might be a little bit of a reason for something. Having a lot of money is definitely great on your monthly payment initially, but it’s the reserve. And then there’s not only handling ongoing maintenance but also building upkeep budget. You might be thinking education is.

Not run really well. Building out this budget needs to be part of a great appropriations plan in order to avoid any.

Surprises for special assessments on the order. Which what do you that is responsible for paying down that will ensure that we’re not just looking to get the so we can see in your county also if you are looking at condo building, make sure that it has what is located in an area with a strong employment base. You want to make sure that you find them willing to do a lot more go to work at because time is so convenient. This is a great way for you to make sure your retail value is high. Another thing to consider what condo building? How many renters are in there? I have nothing against renters and it doesn’t make a difference to me if somebody wants to rent a right. But I want to point that out to you, because having a high amount of renters in a building might to that if you drive by or even yourself to get a certain load the biggest contractor. So I think alone if there’s too many renters in the building, the other within very reasonable lending would mean that you wouldn’t be able to find the building or the retail value in the future by allowing us to look at all the buildings. So make sure that you are fully aware of that. So those are just a few of the pleasures I have for you. So when you’re looking to purchase a condo, it’s typically you will not be talking. Well, I hope you found this super duper helpful. And if you’re looking for condos that have not yet come to market, but they are available for purchase, I have just a way for you to find out. We have a way to find out what properties are coming on the market before that, even on the market, this is the inside way to know what is going to be available. So if you are seeing that people are not getting the home that they want on the open market or it no more often we believe in making home us. We want to help you get the good work ahead of time

So you are ahead of the competition and you can find your time home right here in.

The link below with it. www.bit.ly\secrethomes and I cannot wait to help you find your home. My name is Janine Sasso and the local real estate agent for Chicago. And I cannot wait.

To help you

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Are you too young to buy a house? Well, more and more young people. Are buying homes. And there’s a good thing I mean, let me do this myself.

Right now I’m doing that. I’m a local real estate agent in the northwest suburb of Chicago, and I’m a millennial homeowner. So let’s dove into this topic. Now, one of the things that we like to do when looking at home is getting information like in the way, watching the video information is everywhere. And sometimes we feel like, Oh, McLeod, it doesn’t exist. I mean, I like

To read those things to me and get more and more information and content and then guess.

What actually came up.

Now one of the things, for example, when you’re buying a home, you want to look to see how the parking situation. Right.

It doesn’t just NetApp on the air. How often is it there, but how is the person actually working? But how old are those appliances? Because if they go out, I’m going to have to pay for them. Right. So a homeless person is the first step to really making sure we get the best possible setup up. Know all the little nitty gritty details on the home. Now the home purchase process. And now when you have not only you don’t even have a suspect in court and honestly, a good reality team can help you navigate all the upcoming expenses ahead of room, but you may not have to feel that full cash at the end.

Personally, I’m a big believer in having a safety collision that okay with a rainy day fund to.

Make sure I can sleep a little bit better at night. Real estate agents are salespeople. Yes, I am personally a salesperson.

However, I will never, ever sell my clients on a home and put them into something. And if you ever feel like somebody is going to rush you into a decision, or course you can make a decision.

I’m telling you right now, slam on the brakes because it is not coming from you. You not want to be pushed into something. You’re not buying a new car or you’re making an investment or several hundreds of thousands.

Of dollars to make sure that this is something that you want to do

Because of your own. What begins with the fact that you get to make up your own, you can make your own changes the way you want to take the patient, the way you want to think about, you know, brain for all I care and have some fun with it because there’s more things that you can give you a happy place. One of the best advice I can give you will get.

To consider location, location, location, location is everything that comes out of a location.

Also read How of your lifestyle? What restaurants do you like? What’s the one thing like the bathroom where you like to be out of work? It’s not this at all. We all live like we all love

To do things right. Probably. I love being outside. I love going.

Camping. I like going hiking and it’s nice to meet you. Just have an easy way to do that right where I live. When you talk about when you’ve got a ton of value, so I want to make an album. You are making the commitment.

For keeping a home. My name is Janine Sasso and I help millennials save.

And through the elderly people just like you parties and sell real estate all over the northwest suburbs in Chicago. Now, if you want to find out what home is going to come on the market before it’s even on the market, I got an amazing people for you. You want to go to.

www.bit.ly\secrethome And what we are actually doing..

You have lots of property that you put out by plane with your home before you go to market. The one that wasn’t working, it wasn’t anywhere and we were showing the green or it’s public. So if you want to do that, make sure you buy www.bit.ly\secrethomes. If you have other questions I’ll be more than happy to help you

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Let’s talk about some first time homebuyer programs that might be an incredible.
Gift for you and also save you money. My name is Janine Sasso. I’m a local real estate agent in the northwest suburb of Chicago, helping buyers and sellers accomplish their real estate goals. And let’s get into the program. Number one that is most commonly known. This is your FHA loan. And FHA loan is required to have a downpayment of only 3.5%. And you can have the credit score as low as 580. Okay. So that’s definitely a perk for those that are still looking at our credit. We have a little bit of money. This program might be right for you. The next program that might work, depending on where you’re looking at, is the USDA loan. This is a U.S. Department of Agriculture loan, and it only works in rural areas and not all of the rural areas. So there’s some regulations with that. One, your credit score needs to be only at 20 for that program at the current time. Next up, our being a loan. This one is for our service members, for our veterans or for spouses of veterans. What we want to accomplish with that is to simply say thank you for your service, 0% down payment, meaning no money down and it doesn’t have a credit score requirement. This moment is simply amazing if you have the option to utilize it. I want to tell you a little bit about one of my clients and they can use it. Kevin went to the closing table and we were able to get him 20 $500 back at closing. And we also did it for Chelsea. Chelsea walked away with over $200 back in her pocket for purchasing a home with a Z, a loan. Totally. Also. And is it something that you qualify for? Definitely. Check into it. All right.

Now we’re going to get into the loans that are less commonly known, such as the Good Neighbor Next Door program. Okay. The Good Neighbor Next Door program is reserved for firefighters, nurses, teachers, paramedics. And what it actually does is allows them to purchase a home for up to 50% of the purchase price and revitalizing area. Of course, you have to determine if the area qualifies. But if it’s something that interest you and your area that you’re interested in is one of the areas where the loan program works. This is an amazing opportunity. The Good Neighbor Next Door program also has a requirement for when you are needing to be at that home for 36 months. Okay. So this is definitely something we need to commit for the next year. Another one I want to tell you about is the energy efficient program in which you actually get to make improvements to your home and roll the car into the road. Improvements can be it doubling windows, updating heating, cooling, adding insulation to make this more energy efficient would qualify in this program. So if it was really outdated and say, you know what, I don’t have the funds to do it, but I would love to have that done by people living in it. Might be a great option.

Definitely. Check it out. The next one, I talk to you about it a two week alone and this is our we have on our we have home is used for updating the home before you move it you can roll the cost of the space into the entire loan balance and you will have your new mortgage payments. There is also a Native American dialect zone and what it does is they help help Native Americans purchase natural land with 0% down. That’s something to look into if you have security. Fannie Mae and Freddie Mac are two of the largest government owned giants when it comes to the housing market. And they also have great loan programs available. One of them being a 20% down payment program. So even lower than our estimate when we talked about earlier. And then you can also get all the cost assistance if you go on to the home test, first time homebuyer education class.

This is a class to help online. You go through it, you know, what do you do with your very first home? And I think it’s like an online class. You get certified and then they are going to unlock extra savings. How amazing. And we don’t want. Discount any local brands that are perennially available. You may want to talk to your municipalities, to your community bank. Just be careful when it comes to the brand that they’re promising you for the fact that not all of them are forgivable, meaning you have to pay them back. And while they’re not necessarily going to be able to pay them back, if the expectations were they were just given to you and you didn’t have to pay, that will be a rude awakening. So these are very dear leaders. So all in all, a summary is also a nice, amazing program. And if you want to just remember all of them, you can simply download. I’m voting for low maintenance unions, My name is Janine Sasso and I’m a local real estate agent in the northern suburbs of Chicago. And I hope I get to be by your side when you’re ready to purchase all.

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