The Most Frequently Asked Questions about Buying A Luxury Home

Why Buy Now?

I have lenders sitting on too much money- can you imagine that! They are all eager to make more home loans, right now. Interest rates are still historically very low. So the timing to buy a luxury home just could not be better than right now.

With the econmy struggling mortgage rates are hitting all time lows. That is the good news. The bad news is that the economy will be recovering and mortgage interest rates almost always go up during a recovery.

It is indeed a sad fact that when the economy gets better rates get worse. So NOW is the BEST TIME in History to Own a Luxury Home of Your Own!

Won’t I Need A Big Down Payment?


You do not need a large hunk of money for a down payment. If you have put off purchasing the home of your dreams because you thought you would have to save $100,000, $200,000 or possibly more or use the equity in your existing home, I will show you how to avoid that altogether. We have several programs that require no down payment, at all!

Consider Jason and Barbara Moore who purchased their very own Luxury Home last month. We helped them get financing for a beautiful $987,000 home – and they only needed $8,050 of their own money!!! (Use your own example)

Jason and Barbara moved out of their small 3 bedroom 1 bath home and a 1 car garage, with no pool, and purchased a Brand new 3028 sq ft, 5 bedroom, 2 ½ bath home with an in-ground pool and a 2 car attached garage, all with just $8,050 out of their pocket.

Now Barbara has a kitchen with an Island with granite countertops and solid oak cabinets. Jason’s big-screen TV looks smaller now because the Great Room is twice the size as the tiny living room in the old house.

And instead of tying up all that equity in their old home, they have invested it with a Financial planner and are earning 6% per year tax free. In addition their monthly payment due to the increased tax saving is almost IDENTICAL to their old mortgage payment. Can I do that for you? Absolutely!

For many people – maybe you – the seller will even step in to help with some of the closing costs. Very few people know that the seller can pay closing costs without it coming out of their pocket.

We know these programs and we know how to help negotiate with the seller to pay all of your closing costs. We can get you the money you need to get the home you want!

What If I Have Credit Problems?

Even if you do not have perfect credit, there’s lots of loan programs available for you. Whatever your current situation, there’s probably a home loan just right for you – and we’ll find it for you.

Our Credit Solutions Division stands ready to help our clients resolve any credit issues that may keep them from qualifying so there’s no reason the delay. See the comments of happy clients at the end of this report. If you need more information, just call us – xxx-xxx-xxxx.

I’m in Bankruptcy Now – I Can’t Buy / Qualify Now

Can I?

YES YOU CAN!!! We not only helps families own a luxury home with little or no money down, we also help those clients with less than perfect credit. If you are currently in a Chapter 13 Bankruptcy and have made your payments on time over the last 12 month, we can help you own the home of your dreams, Right Now!

We will need to receive your bankruptcy trustee’s permission – that is something we take care of for you.

(See the comments by our client Ramsey D. at the end of this report. – then call us)

I am Self-Employed and Do not Show All of My Income

 What Can I Do?

Well, you’re in luck! We at ., specialize in helping people just like you find, qualify for and finance a home of their own. Many of our clients cannot prove their income or they simply maximize their deductions and have less taxable income to report or they have tax free income – believe me, we understand that.

One of our specialties is working with clients just like you – We have specific loan programs that require limited income verification.

Call us NOW to find out more about how you can get the home of your dreams and still no have to show your income. Call me at for Korene.

What is the Difference in Buying Now and a Year From Now?

First and foremost, there is inflation. Even if the government says that there is limited or no inflation – think about it – aren’t you paying more today for almost everything than you did 6 months or a year ago. Good Grief! Look at the cost of a hamburger or a baseball ticket. Just a few years ago a family of four could eat at “Mickey-D’s” for around $10.00. Today your lucky if you can get out for under $30.00. I won’t even talk about the cost of tickets, parking, and a hotdog to enjoy the Diamondbacks, Cardinals, Suns, and maybe the Coyotes.

Even with modest inflation, a home that used to cost $600,000, $700,000, $800,000 or even more than a $1,000,000 now will almost certainly will cost more next year if it is still on the market. This is because of inflation, interest rates, and loan program availability.  That will be money you could be keeping in your pocket instead of paying someone else.  All of that is money you could use to build equity or invest just by living in a luxury home of your own at this time. What could be better?

By the way, I recently received a letter from Joe and Phyllis Holman (Use your own client testimonial). I helped them buy a new luxury home 4 years ago. I also showed them how to accelerate the build up of equity within their home. They wrote in their letter,

Between the equity we’ve built up and the increase in property values, we are now over $350,000 richer than we would have been if we were to have kept our dinky little home! Quit honestly, we can’t believe what a terrific move this has been, and wanted to thank you again for all of your help. Without you, we’d probably still be living in a 2 bedroom house. And very soon we’ll be able to trade in this home for an even larger home – maybe even a $2,000,000 home. And we will call you for help, again.”

Switching from owning a home to Luxury home ownership can help you go from being in debt or “cash poor” to becoming financially secure.

Being A Luxury Homeowner Makes You Feel Fantastic.

In addition to the smart financial reasons for buying your dream home instead of just getting along in your present house or even worse, continuing to rent, you will feel better about yourself and your life. You’ll probably provide a safer place for yourself, spouse, and your family. You’ll enjoy entertaining your friends in luxury and comfort of your new luxury home.

There is no reason to wait. I can help you buy a home RIGHT NOW!



Toll Free – XXX-XXX-XXXX

Call within 48 hours of receiving this report and we’ll shamelessly bribe you by giving you a $250 Gift Certificate from Home Depot (Or choose the gift of your choice) when you close!!!


Listen To What Some Satisfied Clients, Who Have Bought A Home And Are Now Realizing Part Of The American Dream, Had To Say…

(Your Testimonials Go Below)

Demetrius & Linda P.“Admittedly, we had problems; Linda had only recently gone back to work after being a stay-at-home mom for several years. I was doing well in my consulting business. Unfortunately, because I was considered “self employed” and changed from consulting job to consulting job, we had been told we couldn’t qualify. Fortunately, we met Marc Savage. In less time that we imagined, he had our loan approved and we just today closed on our beautiful new home. Plus, we were able to buy our $750,000+ home with less than $7,000 out-of-pocket. Hey, you can’t even buy a car for less than one-percent out of pocket. Thanks Marc, Josette, and Jennifer. You people are the best.”

Ramsey D. “My family and I had just moved from Queens. Because of a number of problems, we had had to file a Chapter 13 Bankruptcy less than seven months ago. Plus, I had just changed jobs. We thought we were hopeless. Then we got in touch with Marc at The Luxury Home Ownership Center –. He met with me, took down all of my information and in less than three days, had me pre-approved for a home loan. My Wife and I decided on a new home and were able to select some of own colors. We just closed. Even with all of the problems, we got into our new Home for less than $8,300 out of pocket. It was a great experience.”

M. Keith M. – “I just wanted to send you a short note to commend you and your company for the outstanding service you provide. I am a recent client of yours and just closed on the Plainview property. I had gone through some serious financial problems and wondered how long it would be before I got into a luxury home. But thanks to your team of Josette, Marc and Jennifer, they were able to help me realize my dream of home ownership again. Thanks again and I will refer customers to you.

Jennifer & Brian Hooks. – “Brian and I wanted to let you know how happy we are in our new home. I can’t thank all of you at The Luxury Home Ownership Center enough! You guys made our dreams come true and we will never forget it. You and your staff went far beyond what I expected from a mortgage company. You made us feel like family, rather than just a client. We had the best Christmas ever because of all your hard work and we appreciate it more than you know. I will definitely refer all of my friends and family to you. Thanks again”

Wouldn’t You Just LOVE to Invite Your Friends to a

Party in Your New Luxury Home?

Can’t You Just Imagine How Envious They Are Gonna’ Be?


Call Now – Look at what the call can bring you:

• Luxury Home Ownership with Little or NO MONEY DOWN

• Expert Help with Credit and Other Qualifying Problems

• First Class Representation during the Buying Process


• NO COST ESCAPE from Your over crowded house

• The Very Best Inflation Hedge there is

• The Freedom of Owning Your Very Own Part of the American DREAM

• The peace-of-mind knowing that your loan is in the hands of one of New York’s (YOUR STATE HERE) Premier Mortgage Companies

• Home Depot Gift Certificate for $250 (or gift of your choice) to help you get started in your Brand New Home.

Get Into The Home Of Your Dreams

Call me Today - Right Now –

Pick up the phone and call 623-340-0934

To Your New Luxury Home!

Korene Clopine-Seaman