One Stop Realty Shop
Knowledge Provides Power
Only When You Know How to Use It
Make Decisions That Will Help You Prosper
Learn How to Leverage To Your Advantage – It’s Your Key to Success
Request Your FREE Face to Face Consultation
Call, text 708-220-9830 or email [email protected]
Doesn’t everyone deserve to own a home they can Afford? YES
Qualify vs Affordable? Let Gary @ One Stop Realty Shop Inc. explain
The process of finding and financing your dream home can be quite complex.
Have the team at One Stop Realty Shop & Synergy One Lendinng explain your options
If you believe you may have credit issues, do a Credit Karma report done to ascertain your FICO
If you feel your credit is OK and above 600 FICO go to https://www.myfico.com/ using the $29 option
It all starts with your credit, request a mtg model credit bureau using our credit application on home page
If there ‘s Credit Issues – We’ll help you by offerinng work arounds to help solve the issues
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Conventional, FHA, VA or USDA – which type of financing offer you the best options? Learn your options
100% FHA Financing with a 600 FICO score low MI insurance
FHA 203K rehab loans available to take care of issues you desire to have addressed
1% of the mtg your money, 2% lender’s money used toward your down payment- call for particulars
USDA requires no money down and low Mortgage Insurance
VA benefits – no MI insurance
Fix N Flip – Use Lenders Money
Loan Amounts $75,000 thru $2,000,000
Rates from 9.90% to 11.90% Points from 2% to 3%
Interest Only payments with terms from 6 to 12 months extensions avail
LTV up to 70% LTC up to 90% $1495 Doc Fee —For Purchase and /or renovation costs
Basic Requirements for buying your Dream Home
Have a 580 or hgher middle FICO score
SPECIAL PROGRAMS AVAILABLE TO HELP WITH DOWNPAYMENT
Have reasonable debt to income ratios – everyone is unique to themselves
Why pay high rent when you can own for less than rent?
Call Gary for further details 708-220-9830 / 219-662-7147 [email protected]
Items that will be required for loan application:
Name(s) or prior employers – address, phone number of HR dept- length of employment
Two most recent signed Federal Income Tax returns all pages/schedules with W2’s
Two most recent bank statements – all pages / all accounts – checking & savings
All Retirement accounts showing cash value, all life insurace policies showing cash value-if applicable
Two most recent paycheck stubs, documentation of garnishment doc’s if applicable
Copy of drivers license/ social security card & award letter/ green card
discharge documents for Divorce Degree / BK documents, foreclosures & other settlements
documentation of judgements / collections / derogitives on paycheck or credit bureau
Procedure to follow to securing crdit aproval for a mortgage
Proivde a Credit Karma Report on (2) bureaus
If FICO is low, you will ask fr you to email copies of the three FREE annual credit bureaus
LInk to your FREE annual credit breaus are provided on web site
If FIFO score is acceptable we will have you complete the Mtg / Crefit Application on Web site
Proceed to securing a pre approval
Seller Services
Have your home priced right eliminating potential price reductions and lost buyers
Have your home professionally marketed using MLS and social media – vast exposure to identified buyers
Perception of value creates incentive — incentive creates potential offers of purchase
When a prospective identified buyer believes your home is the best deal on the market WALA
Various Listing Options are Available
From our $795 limited listing option, to the MLS with custom web site featuring your home
to everything in between. All listings will be marketed on various social platforms
We utilize text capture, phone capture and landing page technology
Call Gary 708-220-9830 / 866-217-4039 / 219-662/7147 / [email protected]
Ready to Start the Process of Owning Your Home
Have the desire to own your own home? Just don’t know nor understand the procedures(both on the REAL ESTATE side as well as the lending side that need to be followed and executed to make ownership happen? You are not alone in this delema . As in life, every step leads to another step. Lets call each step an action , each action generates two consiquences that you may not completely understand. While one consiquence is good, the other might be bad. As a prospective homeowner shouldn’t you know and underatand both consiquences as you proceed through the process of finding and buying new new home?
Does Your Realtor do the following, , if not why? Does your REALTOR put you and your famiy first, not their commission check. Does your Realtor provide access to all the active MLS listings in areas of your choice? Does Your REALTOR explain the best practices and procedueres available in seeking your new home? Does your REALTOR offer a platform for each listing that offer you the buyer the ability to accesertain your estimated monthly payment (PITI+MI) on each listings? Does your REALTOR explain various lending options that are available to you in a manner you can understand? Gary and team do all the above..
As a buyer shouldn’t you be aware of the (4) differennt types of financing? Conventional, FHA, VA, and USDA , each having unique quirks that could be benefitial to you or create havock? Learn to pro’s and con’s upfront
It all starts with having acceptable credit as everything financial is driven by credit. Lets start with having you request a mortgage model credit report that can be requested on this web site’s home page and be provided to you immeadiatley. The report will be sent directly to you and the lender . If there are issues, lets identify quickly and start the process to repair.
Potential credit issue resolved , we start the loan process by going back to the home page and filling out the loan application. By starting early and working together, bumps and hickups can be smoothed out and generaly eliminated. Back to the “work around” way of solving potential issues. – leading to the goal of the lender issuing a clear to close and providing funding for your new home – stress anxietybeing eliminated.
Note as to FHA Mortgage Insurance rates/ terms:
Annual Mortgage Insurance Premium (MIP) effective May 31, 2023
Mortgage Term of more than 15 years:
>90% but less than 95% MIP .50 for 11 years
>95% MIP .55 mortgage term
<90% MIP .70 for 11 years
If you have trouble uploading documents, Gary will be happy to assist you, all you need to do is ask for help ( 219-662-7147 or text 708-220-9830)
Ask Gary to help accesertain that your lender if not our in house lender is offering you mulitple mortgage loan packages that will be benefitial to you, both short term as well as long term.
Ways to Help keep the dust down
Scatter Charcoal Throughout Your Home and Watch the Effect on Dust, Mold, Spores, Allergens, Moisture and Smells
Spreading a specific type of charcoal (bamboo charcoal) throughout your home is a trend millions of Americans are using throughout their home to cleanse the air in their homes. This is not new, Buddhist monks have been doing it for years, scattering activated bamboo charcoal around their monasterues to cleanse the surrounding air. A company called ” Naturefresh” is marketing an activated bamboo charcoal which natrually traps mold toxins along with the above noted benefits help breath fresh life into your home by providing a natural filtering elecment for the air in your home. This form of charcoal (Banboo Charcoal) creates fresher purified air reducing allergy symptoms, sneezing, reduces irritated eyes ayound general stuffiness out of your home. Bamboo Charcoal also works to help remove the smell from smelly trashcans and stinky closets.
Bamboo Charcoal spead around the home will protect the enviroment from Mold, Moisture and dust throughout your home. Head to the store, buy a couple of bags, spread throughouty your home and wait a couple of days to see if their is a noticiable difference.