Buy vs. Rent Comparison* The chart below shows a cost comparison for a renter and a homeowner over a seven year period. The renter starts out paying $800.

Buy vs. Rent Comparison*

The chart below shows a cost comparison for a renter and a homeowner over a seven year period.

• The renter starts out paying $800 per month with annual increases of 5% • The homeowner purchases a home for $110,000 and pays a monthly mortgage of $1,000 • After 6 years, the homeowner's payment is lower than the renter's monthly payment • With the tax savings of homeownership, the homeowner's payment is less than the rental payment after 3 years

*Ginnie Mae Website, 2008

Years

Rent Payment

Mortgage Payment

Monthly Difference

After TaxSavings

YearlyDifference

After TaxSavings

1 800 1000 -200 -50 -2400 -600

2 840 1000 -160 -10 -1920 -120

3 882 1000 -118 +32 -1416 +384

4 926 1000 -74 +76 -888 +912

5 972 1000 -28 +122 -336 +1464

6 1021 1000 +21 +171 +252 +2052

7 1072 1000 +72 +222 +864 +2664

8 - 30

Savings increase every year

As Home-Buying Experts,We Will Assist You with:1. Finding a home that meets 1. Finding a home that meets your your

needsneeds

2. Negotiating the 2. Negotiating the lowest pricelowest price for for

youyou

3. Obtaining the best 3. Obtaining the best financing for financing for

youyou

4. A home-buying process that is 4. A home-buying process that is

low-hassle and funlow-hassle and fun

Our Home Buyers Advantage Programwon’t cost you a cent.

Other Agents do what works best for them and not you.

Other Agents do what works best for them and not you.

Do most other Agents work for you?

They choose the houses you see

instead of letting you pick the ones you

want to see.

Do most other Agents work for you?

Show you only their listings or a small number of homes,

hoping you buy right away.

Do most other Agents work for you?

Try to get you to buy a house either too quickly or that doesn’t meet your needs.

Try to get you to buy a house either too quickly or that doesn’t meet your needs.

Do most other Agents work for you?

Ask you to make an offer on every house you see.

Ask you to make an offer on every house you see.

Do most other Agents work for you?

Get frustrated because you don’t like the homes they are selecting.

Get frustrated because you don’t like the homes they are selecting.

Do most other Agents work for you?

Beg you to buy a house since they “worked” so hard for you.

Beg you to buy a house since they “worked” so hard for you.

Do most other Agents work for you?

Conversely,Our Home Buyers Advantage

Program…Focuses on Your Needs!

First Step:

Determine what amount you are comfortable with for buying your

home.(Home Loan Pre-Approval)

Second Step:

Update you with a regular list of homes

that meet only your criteria.(our Specialized Home Tracking

Program)

Third Step:

Find you the home you want and needusing our Experience and Expertise.

Highly-Focused Knowledgeand Experience

You benefit from our Home Buyers

Advantage Program

many ways.

First Step:

How much housecan you comfortably

afford?

Home Loan Pre-Approval3 Major Advantages

Three Key Advantages…

3. You can make a stronger offer

2. You get financingthat works for you

1.You know what you can comfortably afford

Offer #1(You with a pre-approved

Home Loan)

Offer #1(You with a pre-approved

Home Loan)

$ 175,000 $ 175,000 $ 175,000 $ 175,000

Cash Offer Cash Offer

No Conditions No Conditions

Conditional UponFinancing

Conditional UponFinancing

Offer #2(Another buyer who is

NOT pre-approved)

Offer #2(Another buyer who is

NOT pre-approved)

Put your best foot forward

Which Offer Would You Accept?

Getting Pre-Approved is as Easy as 1-2-3

North Pointe Mortgage1. Because they are a mortgage broker –

they can find the best loan that meets your needs2. Because we have an interest in the company

we can get you a better rate and terms3. Less hassle. Most mortgage companies are very

difficult to deal with. Since they are right here with us, we can ensure a smooth closing!

You’re Approved!

How do Most BuyersLook for a Home?

• Newspaper Ads• Internet• Driving Around

You’re Missing out On the Best Deals!• Only 20% of all homes for sale are

advertised in print• The best deals sell long before they reach the internet• That’s why you drive by and see sold signs and never even knew it was for sale.

What are YourCriteria for Buying

a Home?

MultipleMultipleListingsListings

ServiceService

The MLS has information onover 1,050 homes for

sale by ALL companies

How Most Realtors Find Houses for you:

1. They make a random search through the MLS

2. They pick the homes they want you to see

3. They try to sell you one of them

1. They make a random search through the MLS

2. They pick the homes they want you to see

3. They try to sell you one of them

Do you want someoneother than you selectingthe home you’re going

to buy?

The Solution

Our One-of-a-kind Buyers Advantage

Program gives buyers priority access to hot

new listings that match your home buying

criteria.

Our One-of-a-kind Buyers Advantage

Program gives buyers priority access to hot

new listings that match your home buying

criteria.

MultipleMultipleListingsListings

ServiceServiceYou can search the MLS…

Just like Realtors do!

…YOU’RE in Control1. Your home buying criteria

is entered into our custom computer database

2. Every day, our custom computer searches the MLS to find homes that match only your specific criteria

1. Your home buying criteria is entered into our custom computer database

2. Every day, our custom computer searches the MLS to find homes that match only your specific criteria

…YOU’RE in Control

3. We only send you the homes that match your criteria

4. You can pick the homes you like and drive by them

3. We only send you the homes that match your criteria

4. You can pick the homes you like and drive by them

…YOU’RE in Control

5. When you see a home you want to look at give us a call, we’ll arrange a showing

6. NO pressure to buy

5. When you see a home you want to look at give us a call, we’ll arrange a showing

6. NO pressure to buy

YOU’RE in Control which means…

• You get real-time delivery of hot, new listings

• You get to see houses before other buyersand Real Estate agents

YOU’RE in Control which means…

•You pick the homes only you want to seewith no pressure from us

• You ultimately determine if you like the home in a low-hassle environment

YOU’RE in Control which means…

•You see homes before other buyers andagents get to see them

• You are in a better position to negotiatethe best price for you

Desperate Seller SystemHow to Buy a Home Up to 30% Below Market

Value!How to Buy a Home Up to 30% Below Market

Value!You get special access to Exclusivelists of properties offering

incredible value

Desperate Seller System

Focus on REO/Bank owned Homes•Homes bought back by bank at auction

•Re-sold through agents on MLS•Usually available at deep discounts

Desperate Seller SystemDistressed Sellers with Long Days on

Market• Homes that have been listed with multiple agents

• Homes listed longer than 180 days• Homes with multiple or large

price reductions

Desperate Seller System

Vacant Homes where Sellers are making double payments

• Seller is making two mortgage payments• Seller may be an absentee seller

• Usually will be more open to negotiating

Even more benefits to save you Money

• Seller-paid closing costs

• Home Warranty

• Down Payment Assistance Program

When you find the home you want we will

1. Prepare an offer that is written in your favor

2. Present the offer to the seller’s real estate agent

3. Negotiate all terms, conditions and specifics to your benefit

1. Prepare an offer that is written in your favor

2. Present the offer to the seller’s real estate agent

3. Negotiate all terms, conditions and specifics to your benefit

Again, none of these Valuable

Services Costs You a Cent.

Again, none of these Valuable

Services Costs You a Cent.

The only thing we seek is your allegiance to us.

The only thing we seek is your allegiance to us.

What to do when you see a home

that you like when you’re on your own

What to do when you see a home

that you like when you’re on your own

What to Say and Do When you ComeAcross Homes on your Own

1. If you see a home you like in the paper or while driving by, feel free to call for information, but always tell the Realtor that you’re working with us (this will prevent you from being hounded by other Realtors with questions and sales pitches)

1. If you see a home you like in the paper or while driving by, feel free to call for information, but always tell the Realtor that you’re working with us (this will prevent you from being hounded by other Realtors with questions and sales pitches)

What to Say and Do When you ComeAcross Homes on your Own

2. Get the price and (if available) MLS number and we’ll send you complete information

3. If you see a house you want to look at, always call US for appointments

2. Get the price and (if available) MLS number and we’ll send you complete information

3. If you see a house you want to look at, always call US for appointments

The Next Step…

SOLD!