Buy before you Sell Options + Power Buyer Presentation

"Unlocking Your Next Home: Solutions for Down Payments and Mortgage Qualification"


Embarking on the journey of buying a new home while still tethered to your current one can feel daunting. The concerns of down payments and mortgage qualification often loom large, hindering families from realizing their dreams. Fear not, as we present innovative solutions tailored to address these challenges head-on.

CHALLENGE 1: Down Payment Dilemma

The traditional route of using the sale of your current home for the down payment on your next one can be limiting. But fear not, as we offer a range of solutions to help you bridge the gap:

⚡- **Bridge Financing: ** Access short-term loans to cover your down payment, leveraging the equity in your current home. This allows you to secure your new home without relying solely on the proceeds from your sale.

⚡- **HELOC solutions to get an advance on your home's equity to use as your down payment.

⚡- **All Cash Power Buyer Program: ** Gain a competitive edge in the market with our all-cash power buyer program. We'll purchase your new home with cash, allowing you to bypass the need for a traditional down payment and secure your dream home with ease.


CHALLENGE 2: Mortgage Qualification

Navigating the complexities of mortgage qualification while still contending with current debt can seem like an uphill battle. But fear not, as we offer tailored solutions to help you overcome this hurdle:

⚡- **Bridge Financing:** Utilize bridge financing not only for your down payment but also to temporarily alleviate the burden of your current debt. This improves your debt-to-income ratio, making it easier to qualify for your next mortgage. - Our Bridge product does not have a monthly payment! The interest on it simply accrues to the balance. So While you use those funds to close on your next home, you are only managing the payment for ONE mortgage, not both.

⚡- **Guaranteed Backup Contract:** With a guaranteed backup contract in place for your departing residence, ANY MONTHLY PAYMENT OBLIGATIONS CONNECTED TO THAT DEPARTING/TRAILING property are EXCLUDED from your qualifying for the next home.

⚡- **All Cash Power Buyer Program:** By selling your current home through our all-cash power buyer program, you can eliminate existing debt obligations, improving your debt-to-income ratio and bolstering your mortgage qualification prospects.


Don't let the challenges of down payments and mortgage qualification stand in the way of your homeownership dreams. Our innovative solutions, including bridge financing, guaranteed backup contracts, and the all-cash power buyer program, offer a pathway to success.

Reviews

"I can’t believe how many times James has helped me to understand my options for buying a home. I have called him several times over the years and asked him to give me options for home buying and to simplify my loan options. I always hang up feeling very grateful for the time, the patience and the choices he comes up with. James looks at the big picture and explains every detail I need to make an informed decision. He listens and makes the world of home buying not so complicated. I would recommend James Adair to anyone. He is a master communicator. He is kind and very knowledgeable."

tracy livermore

"James and Jessica did a great job, and fit perfect for me as a first time home buyer. James discussed multiple options and helped me find a loan package that balanced both long term wealth with near term affordability. James helped me to understand the mortgage process more thoroughly, and even screenshared the exact interface that he used to lock in rates. To top it off, he attended closing with me at the escrow office and participated real time with questions I had on the final documents. 10/10 - would make a large financial decision with them again"

robert holt

"James has guided me through two home purchases. He connected me with the real estate that he felt would fit the property type I was looking for, which has also been a great success. He and his team make the home buying process a breeze."

n warren

"James is amazing! Incredible response time, so smart, kind, and patient—will be recommending him to everyone I know whether they need a home loan or not. Thank you James and team for helping make me a home owner! And with their Home Ownership 360 philosophy I'm thrilled to continue working with them in whatever capacity possible. Couldn't be happier, five stars is not enough."

jaime temairik

"Very good communication. Videos helpful"

doreen w

"James was quick to respond, had great solutions to problems, was personable and professional, went above and beyond in an effort to make sure our transaction went smoothly."

amy r

"Quick and responsive."

william b

"James Adair & his team of experienced mortgage professionals made the purchase of my new home (out of OR State) a true success. Their on-point communication via email and phone between me and the Escrow company was extraordinary throughout the entire process. His team answered all of my questions and concerns …..and I had many! Due diligence was executed every step of the way. With the best percentage rate secured just in time and their entire documents processed one week earlier than Escrow had originally projected, I definitely chose the right team for guidance and getting the job done. Yes, I highly recommend James and his Sierra Pacific team."

susan b

"James was always quick and generous with answering my many questions and analyzing different scenarios for my loan."

aaron g