DO YOU DREAM OF OWNING YOUR OWN HOME?
Just where are you in seeing your dream come true? Do you believe you qualify for a mortgage, but have been turned down? Are you lost in the qualification process and don’t know where to turn next?
NEST BUILDERS can help! More than that, we offer the amount of your down payment as a gift – absolutely FREE! That’s right! A FREE GIFT!
Sound too good to be true? Well, let us explain how this incredible program works, exactly how we are able to offer such an amazing opportunity, and how you can apply to receive this FREE gift allowing you realize your dream TODAY!
Our mission here at NEST BUILDERS is quite simple. We believe that anyone who dreams of owning their own home deserves the opportunity of home ownership. No one should be limited to renting property if they have a steady income and always make their payments on time. Unfortunately, many renters know that saving for the down payment on a home, in addition to the closing costs, almost seems impossible. At NEST BUILDERS we have made it our mission to change that.
Mortgages are like fingerprints, every one is unique depending on the individual circumstances. As a potential home buyer you may have run into the following common road blocks when looking to purchase a new or resale home…
- You have good credit and a steady well-paying job, but are unable to save enough cash to provide the down payment.
- You don’t have a wealthy relative to legally assist in providing the down payment.
- You have enough for the down payment, but don’t have a good enough credit rating to qualify for a mortgage loan.
- You don’t currently enjoy steady, full-time employment.
- You’ve been turned down by your bank because they have determined that you owe too much money.
OR…
- You were looking to be qualified for a home priced beyond your current means.
All these hurdles can be overcome and we’re here to assist you. Working closely with our partners & experts in the housing industry, we are dedicated to work on your behalf to…
- Discover whether or not you actually do qualify under your present circumstances, or exactly why it is you have been rejected.
- Find out exactly what is required to qualify, in regards to income, employment status, credit rating, etc.
- Walk you through the steps to become approved for a mortgage.
Our Associates can also…
- Council you on ways that you can rectify a less than acceptable credit rating.
- Show you ways that you can maneuver your finances to consolidate or reduce your current debt.
- Teach you how to effectively budget in order to free up cash for a mortgage payment.
- Package your mortgage application into an acceptable and presentable form, increasing your chances of quickly gaining approval with one of our major lenders.
And…
When you do qualify, you can take advantage of the NEST BUILDERS Down Payment Assistance Program which literally gives you your down payment amount, FREE, no strings attached – GUARANTEED!
...with absolutely NO requirement to repay it at any time. YES! This is a gift! This is NOT a loan!
You are also guaranteed to not pay more than the fair market value for your home.
You may even use the 5% gift that NEST BUILDERS is providing, in conjunction with your own money, to pay down debt or increase the amount of the initial down payment. We’ll show you the best way to use this gift as it pertains to your unique financial profile.
Because this is not a loan, you don’t need to worry about getting bumped into a higher interest rate. With some current lending programs, if you have a healthy credit rating, they will allow you to borrow the entire amount of the home, including the 5% down payment. This is commonly called 100% financing. However, by so doing, you are actually financed at 105%. In this unfortunate scenario you also pay higher mortgage insurance and financing fees, and if you sell the home later, you are required to return the entire financed amount - with interest!
HOWEVER, with this incredible Down Payment Assistance Program you are only borrowing 95% or less and therefore, in most cases, you remain at lower interest rates. This is just one great advantage to this gift program as opposed to 105% financing.
WHY ARE WE PROVIDING THIS PROGRAM?
It’s our goal to see everyone who wants a home - in a home. We want to contribute to an environment where more people can take pride in home ownership and improve their quality of life. If you have dreamed of owning your own home and the only impediment is the down payment, we want to help you realize your dream. We came up with the NEST BUILDERS Down Payment Assistance Program as an excellent opportunity for the average working individual or family to purchase a home without waiting until they can save the five percent down payment. NEST BUILDERS provides this amount in the form of a gift for people who qualify.
- This in turn has a tremendous impact on the social climate and overall health of our society. People are given hope and a greater sense of accomplishment and purpose when they have their own home and an increase in their own personal equity.
- We also desire to see the local economy stimulated by causing more homes to be built. When builders are able to build greater volumes of houses they can build them at a lower cost. They will be busier and that will in turn generate more jobs.
- We also want to see money raised for local charitable organizations assisting them to improve the lives of the less fortunate.
- We believe this fantastic program will have a positive impact on the housing crisis and homeless situation. When people who desire a house increase their standard of living by moving into their own home, this often frees up rental space, which in turn frees up low-income housing, which in turn opens up living quarters for the less fortunate and the homeless.
HOW DOES THIS AMAZING PROGRAM WORK?
NEST BUILDERS is a non-profit organization allowing us to assist qualified home buyers by gifting them with the down payment. This is something that, only recently, was restricted to close relatives of the home buyer. NEST BUILDERS essentially becomes a resource pool bringing home buyers together with home sellers, new-home developers and lending institutions, opening the way for a win-win situation between all parties involved.
This program can assist in the purchase of brand new as well as resale houses, even homes under construction. We connect you with home owners, home builders and realtors currently participating in the NEST BUILDERS Program. If you’ve already found a home that is not currently participating in the program, NEST BUILDERS will work with the vendor or home builder toward becoming a “NEST BUILDER” home. If you’re working with a realtor that is not currently with NEST BUILDERS, we will attempt to convince them of the benefits of participating in this incredible program and endeavor to bring them onboard.
THE HIGH COST OF WAITING
Why take advantage of this great opportunity sooner rather than later? The cost of waiting to too high because housing costs will continue to rise and interest rates may rise as well. By taking advantage of the NEST BUILDERS Program today, you will be receiving a step up toward an excellent and growing investment of your own, rather than paying rent on someone else’s investment. In fact, once you do the math you’ll realize that in the first year of home ownership it would be is as if you are actually paid to live in your new home.
For example...
If you were to purchase a home valued at 200,000, NEST BUILDERS would provide a 5% gifted down payment of $10,000 leaving you with a mortgage of approx $190,000. One year later, based on current real estate values, your home would go up in value by approximately 5 percent. This would be $10,000 based on the initial $200,000 purchase price. Therefore, adding the gift of $10,000 to the increase in market value of $10,000, you would now have a total of $20,000 equity in one year. How is that for return on investment. 10 % equity at the end of one year - and that on a gifted amount!
We encourage to get on board NOW!
THE WIN–WIN BENFITS OF THIS PROGRAM
We’ve outlined one of the main benefit’s to the homebuyer, but perhaps you are you a parent or grandparent thinking about giving your son or daughter the down payment on a new home? Consider donating to NEST BUILDERS for your child’s home. Or perhaps you are simply looking for a great cause to support, you can become a Nest Builder yourself by assisting others to purchase homes through donating or investing in this program.
By donating or investing in a non-profit organization like NEST BUILDERS, you are not only enabling someone to obtain their own home, but over time your investment is used many times over assisting other individuals and families desiring to acquire their own home as well. AND you will receive a tax benefit for doing so. It’s the gift that keeps on giving, benefiting many.
A MINIMAL COST TO YOU
It costs absolutely nothing upfront to apply for this valuable program. We operate in good faith that the information you provide to us is true and accurate. Only if you fail to qualify for the mortgage due to bad credit or other undisclosed reason, when we close your file we will charge a $100.00 administration fee for our time and services on your behalf.
What have you got to lose? We invite you to apply for this marvelous opportunity now and realize your dream of owning your home today! In most cases, depending on your individual circumstances, we can have you pre-qualified for a mortgage on a new or used home within only a few days of upon receiving your completed application.
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To find out how NEST BUILDERS can benefit you, feel free to explore our site and then give us a call at...
472-5900 (Edmonton area)
or toll free at
1-866-388-NEST
Together we can make a difference!
DISCLAIMER:
As a not-for-profit organization, Nest Builders is not a licensed provider of the various services mentioned in this presentation, but works closely with its partners and experts in the housing and mortgage industries licensed to provide these services. There may be some additional costs, such as insurance fees, service fees and/or legal fees. Nest Builders reserves the right to not disapprove and/or restrict the number of times the program is offered to a particular party or individual.
