Your Zero Hassle Guide to Homeownership
Presented By GSF Mortgage & Home Buyers Realty
Congratulations on your decision to purchase a home! This is an exciting time for you. GSF Mortgage & Home Buyers Realty are happy to help by providing you with the information you need to become a home owner with ZERO HASSLE.
While home buying may seem like a complicated process, it does not need to be. GSF & HBRC have published this special handbook to help you gain a better understanding of mortgage lending and the home buying process. We encourage you to read it, write down any questions that you may have. Then give us a call or stop in and we will address your needs and answer your questions.
A Home Can Be a Terrific Investment
Nearly 65% of Americans own their own home. Many of these families are on their second, third or even fourth home! 
Each has typically gained financially from each home they have owned. By deciding to purchase a home, you will be gaining many financial and emotional benefits.If you are renting, your monthly housing payments offer substantial financial benefits to your landlord. By owning a home, you will gain many of those benefits. Each month, a portion of your payment will build your home equity. Your home equity is the amount by which your home's value exceeds your mortgage debt. Additionally, in nearly all cases, mortgage interest and property taxes are tax deductible. Also consider, home values have historically risen, even though values can fluctuate year by year.
More Space
A home of your own may be able to provide you with more space to fit your growing needs than an apartment could. For example, you may gain more bedrooms, a yard, a second bathroom, and even a family room.
Pride of Ownership
You will achieve the American dream and experience the pride of ownership that comes from living in and taking care of your own home. Plus, you will obtain the freedom that this will bring. You will be able to decorate, add on, renovate and landscape.
It's Affordable
Even if you believe that the funds you currently have available are not enough for your down payment, we can help. Many homes can be purchased with ZERO DOWN. We specialize in no ZERO DOWN HOME LOANS. Mortgage interest rates are among the lowest of all consumer credit rates. In addition, families often have resources not commonly considered for a down payment. By visiting with GSF & HBRC, we can help you unlock your possibilities. The effective monthly cost of owning a home may be equal to or even less than rent payments. Whatever your reasons are for buying a home, you can be certain they are good ones. Owning a home is not only the largest investment most people make in a lifetime, it is also one of the wisest.
Any Time Can Be a Great Time to Buy a Home
History has shown that when rates are low, home prices tend to be higher. When rates go up, home prices tend to be lower. When rates fall, many sellers raise their asking price because they know that buyers can afford more. When rates increase, sellers tend to be more flexible to make their homes more saleable.
So the question remains, When IS the best time to buy a home? The honest truth is that the best time to buy a home
is NOW. This will allow you to experience all the benefits of homeownership immediately. It takes time to design a plan that fits you. If you are thinking purchasing a home in the future, let GSF & HBRC help you get your plan in place today.
A Home Can Be A Good Investment For Anyone
More and more people today, married or unmarried, with or without children, are buying homes. We have access to mortgage programs that provide financing for all types of homebuyers. We are committed to helping you purchase a home, just as we've helped thousands of other people.
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