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"Brian's saved me over $103,000."
I met Brian Guevara through an ad that he wrote in our local paper over a year ago. I was attracted to his ability to give me up to the date information on foreclosures and other distress properties. At the time my parameters were just to show me houses that were ugly and needed fixing and that have been on the market a long time. After a few months of searching for investment property with his team member, Sandra Torres, we found a house that interested us and soon we were in escrow. It was a nice bungalow style home, two bedrooms and one bath on a nice street listed at $249,000 and we got it for $200,000. But after a lengthy escrow where the homeowner was not doing what was necessary to close the transaction, Brian and his team suggested that I look at condos. At first I wasn't sure but when Brian explained that even though my rental income might be a couple hundred dollars per month less, when you compare that to the massive savings that I would get paying over 50% less than what I was paying now, it was a no brainer. Soon Sandra had found a two bedroom, one bath listing for me that I eventually paid $97,000. Brian's Home Buying System had saved me over $103,000 had I purchased that previous home and another $2,000 off the list price of the unit! In addition because by doing it this way I expect a 19% annual return on my initial investment! The other cool thing is the bank paid for the new carpet and paint all I had to do with a little cosmetic sprucing. I guess I didn't have to buy an ugly fixer to make a profit. I am glad that I took their suggestion and I look forward to my next purchase and building real wealth in the years to come. I strongly recommend Brian and his team to anyone looking for someone to watch out for their best interests.
Rick Checansky
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Buyers Remorse >First Time Loans
Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.
Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.
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| Q |
What was the first territorial acquisition made by the U.S. Government?
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| A |
The Louisiana Purchase from France in 1803 for $15,000,000 increased U.S. national territory by 140%. |
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- NUMBER1EXPERT™ 
