What are you waiting for? If your goal involves home ownership,
shoot us a message today!

Phone: 301-530-1334

Home Buyer Coach
4 Research Place, Suite 160
Rockville, MD 20850

Why rent when you can buy?

Quite simply, there have been few great opportunities to buy a home since World War II. Now is one of those great opportunities.

WHY?

Housing prices are low. The index of home prices has dropped over 50% from the peak in 2005. This is not true for all markets, however all markets have seen significant decreases in values.

Interest rates are low. Interest rates offered today are at or near record lows. This means you can buy more house for what you can afford as a monthly payment.

Housing Affordability Index is favorable. The monthly cost of owning a home compared to your income is low, which means the affordability index is high, and more people can afford to own a home. In fact, the affordability index is at or near post-World War II highs.

Pride of ownership. The home we help you acquire is your home. Home ownership provides shelter and security for you and your family.

Building Wealth. As you pay your mortgage loan payment, you are paying down the loan balance. Over time, as the value of your home increases and the balance on your loan goes down, you build up equity. Equity is the difference between what your home is worth and what you owe on it. Click here to see a chart of how your equity will build over the years. When you rent, you are paying your landlord's loan instead of your own.

Tax Advantages: The interest on your loan, the mortgage insurance and the real estate taxes are all deductible on your income tax return. Often you can save up to 30% or more of your monthly payment in state and federal income taxes. This can turn a $1,500 rent payment into the equivalent of a $2,100 mortgage payment.

Home Buyer Coach has put together a team of real estate industry professionals, including mortgage specialists, credit specialists and attorneys, to coach you into home ownership.

Dan Heyburn, Lending Specialist:

Dan has been a principal in the mortgage business for more than 25 years. He has originated over 3,000 loans and is very knowledgeable about the entire loan qualifying guidelines. Through Dan, Home Buyer Coach can provide you access to a wide variety of lenders to get you the best terms possible.

Michael Hughes:

Mike has spent his entire career in the real estate industry. He first served as controller of large developers, then as a top producing loan specialist. Mike also spent time as a realtor and has been involved in the home building business. He really knows the home purchase transaction inside and out and provides valuable insight to helping our clients achieve their own home ownership goals.

Dan Hyman:

Dan has been involved in the credit repair and management industry for more than 10 years. He understands the nuances of credit and how to improve our clients' credit to get them credit-qualified for home ownership.

Roger Black:

Roger started in real estate in new homes sales, and has sold over $300 million dollars of real estate during his career. Roger has also been involved in the construction process and can evaluate the overall condition of a home. He brings well-rounded experience to help our clients in the home selection process.

John Harrison, Attorney:

John is our in-house counsel. John has spent much of his career in the real estate business as a general real estate and closing attorney, and is qualified as a Real Estate Settlement Procedures Act (RESPA) specialist. John also has extensive experience working with clients to help improve their credit standing.

HOME BUYER COACH's extremely talented team works with our clients to help or "coach" you into achieving the dream of home ownership.

Many people today, especially first-time home buyers, become a little intimidated by the complexity of buying a home. They are not sure what they can afford, if their credit will qualify and if their income is high enough to afford buying a house. They may not understand all the terms used in the home buying process. The truth is that everyone can own a home; they just have to figure out how.

We are here to help do just that! We'll coach you into home ownership by:

  • Helping you find out what you can afford
  • Working with you to improve your credit
  • Suggesting ways to afford your down payment
  • Getting you pre-approved for a mortgage
  • Helping you find your home
  • Explaining the entire process, each step of the way

We conduct free seminars where we present and explain each step of the home buying process, and open the floor for a question-and-answer session.

Then we will work one-on-one you, analyzing your individual situation and helping you set up a plan to achieve home ownership. The plan will include how to get your down payment, how to get the necessary credit score, and figuring out your target purchase price range. After we help you develop the plan, Home Buyer Coach will get you pre-approved for a mortgage loan.

Once you're pre-approved, we won't stop there. We will continue to help you through the selection process, answering your questions and providing you with the necessary information. Then we will guide you into the end zone, as you successfully become a homeowner.

We are there for you the whole stretch of the field, until you cross the goal line and score!