We’ve all heard the term “buyer beware” somewhere in our lifetime. “Buyer Beware” is a term that means cover your tracks when purchasing a product.

Well, in today’s market it’s more important to stress “buyer be AWARE”. The reason I stress this term is because residential mortgage lending is still very strong, even in today’s market and as a buyer you need to be aware of all the available opportunities to you. What I mean is simply this. Homes are selling for pennies on the dollar, there are plenty of loan products out there that offer little or no money down, rates are at an all time low, and to top it off, the government is agreeing to give you an $8,000 tax credit if you’re a first time buyer and purchase a home in 2009.

Wait, so let me get this straight….I can get a 100% loan or close to it, my money to buy the home will be extremely cheap to borrow, I can purchase a property for much less then its worth which means I get a bigger and better home then normal, and I get and $8,000 tax credit at the end of the year as well? Yes, that is accurate to say at this point.

My question to you is, why rent? You are throwing money away, paying someone else’s note for them and not receiving any benefit for doing so. Everyone dreams of owning a home, that’s a major part of the “American Dream”.  As a buyer you need someone who can assist you with all the aspects of purchasing a new home. Where do I start, who do I call, how does the process work and do I qualify? These are important questions and I will hold your hand, walk you through it and answer all of them for you. There’s nothing worse then a transaction gone bad or an inexperienced consultant. Folks, I can assure you that I am not that person.

I will take you through all the steps, break it down for you in Lehman’s terms and put you in position that’s best for you and your family. No ARMS, no balloon notes, no hidden fees, and most of all, no nonsense. This is your home. This is where you sleep at night, have family events, watch your children grow and play. Your home is as much a part of you as your personality so let’s make sure it fits you as well as your personality. I specialize in all types of purchase and refinance loans such as Conventional, FHA, VA, JUMBO, and USDA. Give me a call today to start the process and let’s make sure you aren’t missing out on what’s available to you in today’s market.

Brian McCauley

Senior Loan Officer

Frisco TX

214-975-3218(Office)

1-214-279-4100( e-fax)

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