We are consultants to home buyers, sellers and investors. Your home is your biggest asset but it can also turn into your worst nightmare when buying, selling or investing goes wrong. Banks and realtors cannot always give you options to help with your needs because they are not consultants or experts at solving your problems.
Banks lend money to borrowers and expect to get repaid with interest over time and ON TIME. They are not in the business of buying or selling homes and asking them for advice to help solve problems is like asking for a drowning man for a life preserver. You wouldn't ask a florist to give you butcher cuts of meat so asking a bank for advice about buying, selling or paying off your mortgage or loans is not the best advice for you. They will offer the best advice for their interests and who can blame them?
The same is true for realtors. Don't get me wrong, realtors do the community a wonderful service by helping people buy and sell homes every day. They can be a wealth of resources because they have exclusive access to the MLS (Multiple Listing Service) which lists information the general public is not privy to like what, when, where and how much homes sold for in the area. The can also offer great advice about staging homes for sale, conduct open houses for showings and get you through to a smooth closing process.
What banks and realtors can't do is offer you multiple options that go beyond their scope of work. Banks make money when they give borrowers a loan in both the loan origination fees and in the interest payments over the life of the loan. Realtors make commissions when someone buys or sells a home or does both consecutively. I hate to say it but realtors are like car salesmen, they are concerned with the terms of the sale and they cannot go beyond that scope. You can't ask a car salesmen to take the car back to the manufacturer to make changes to the car, right? Once the car is made, only small changes can be made such as installing a different radio or after market cruise control, etc. The same is true for realtors as they cannot turn a 3 bedroom home into a 4 bedroom home. They present you with homes are that currently on the market in hopes that you will find a home that suits your needs. The same is true when you sell your home with a realtor - they are hoping you will find a buyer who will make an offer suitable to meet your needs at that time.
As Asset Consultants to buyers, sellers and investors, we can present multiple options that banks and realtors can't give you. Why can't they give you these options? Banks and realtors make money when you use their methods to buy and sell but those aren't the ONLY options to buy and sell and since they don't make money on other methods they won't bother with them. It's not in their best interest to learn about "other methods" so they focus on what makes them money. Again, who can blame them?
We offer free consultations to present the various "other options" to you. We take the time to speak with you about your specific circumstances and we present numerous options to you. More options means you have more control and more power to make informed decisions. Our mission is to help you find your win-win outcome!
We have been in your shoes in the past and we understand how frustrating it can be when options are limited. A few years ago we bought a new home to make room for our third child but we also owned a smaller 2 bedroom 1 bath home that we needed to sell. We could not afford to make two mortgage payments for more than a few months and to top it all off, I ended up having complications during my pregnancy and quit working earlier than expected.
We felt our only option was to list our home through a realtor but we ended losing out on so much money in this transaction. We literally gave away our home and all its equity AND we had to bring $4000 to closing just to finish out the transaction. The realtor walked away with a nice commission and I had to cash out of my retirement account and pay a hefty penalty for early withdrawal.
If only we had known THENwhat we know NOW....but ignorance was our fatal mistake. I vowed that I would never feel helpless, powerless and dependent on others who only looked out for their own interests again. I also vowed to help people JUST LIKE ME by getting fully educated and then using my education to help others find their WIN-WIN outcome.
No matter what anyone says, you always have options! The consultation is FREE and you are not under any obligation to us. Let us empower you as we offer support, outside of the box thinking and creative solutions to your problems!
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