321ADVANTAGE ENCOURAGES REALTORS TO BECOME PROACTIVE RATHER THAN REACTIVE!

The current housing market burdened with declining property values and stricter lending guidelines has initiated a need for creativity. 321ADVANTAGE claims that when you add creativity to a Realtor’s practiced and proven marketing model you will always have a much greater chance of achieving your highest possible results. 321ADVANTAGE offers this pivotal, value-added component that creates a competitive edge for your Sellers…and your BUYERS!  It’s time to tweak the system.

SOLUTION… 321ADVANTAGE!

321ADVANTAGE works as an adjunct to Real Estate Professionals who represent sophisticated sellers who understand the legitimate concerns of today’s homebuyers. We offset the Doom & Gloom of buying in a housing market that is suffering through one of the toughest times in decades. Our system enhances consumer confidence and alleviates the fear that their investment may be worth less a year from now. We urge SELLERS to think twice before they roll the dice and lower their price. We advocate that the seller should maintain his price position while offering incentives through seller-funded assistance. Sellers can legally offer incentives up to 9% of the Sale Price/Appraised Value of the property.

THIS DOES NOT REQUIRE: holding a mortgage, mortgage assumption, or a lease with an option to buy arrangement. The buyer applies for his financing through a lender of his choice.

THIS DOES NOT REQUIRE that the Seller and Buyer maintain any relationship after they shake hands at the closing (unless of course it’s their choice.)

Just as a SELLER  would hire a HOME STAGER to enhance marketability- a SELLER joins the 321ADVANTAGE Network for a nominal fee which enables him to increase his home’s FINANCIAL APPEAL which ultimately expands his/her pool of qualified buyers.

321Advantage has zero tolerance for toxic, quirky financing that is motivated by greed and has created this volatile market.
Our program advocates the stability of predictable payment increases. The difference between the 321ADVANTAGE Program and Option ARMS or any other Adjustable Rate Mortgage is that our Borrower’s payments are set in stone. We offer the Low initial interest rate of an ARM but the payment security of a fixed rate loan. You know exactly what your rate and payment is going to be for the life of the loan. Absolutely NO Guess work- NO Surprises! NO deferred interest, and NO Negative Amortization incurred during the years in which you are paying a lower rate. 321ADVANTAGE helps to lock in today’s low rate with a cushion that offsets objections regarding declining values; improves market psychology. PLUS, Lenders see you as a STRONGER BORROWER because you have that cushion! One of the main advantages of a buydown is that the lower initial payments enable the Buyer to EASE into HOMEOWNERSHIP! Pay off student loans, afford new furniture, add a bathroom, update the kitchen! 

321Advantage Temporary Buydowns help to enhance consumer confidence in a market where prices MAY continue to decline.

Ex. 3.5% on $750,000 = same payment as 6.5% for $532,000… This helps to create a sense of security for the buyer.

321ADVANTAGE OFFERS A BRAND NEW CONCEPT! As far as we know, 321ADVANTAGE is the first company to offer this marketing strategy to the masses so that ALL Sellers, ALL Buyers, ALL Realtors, and ALL Lenders can participate and benefit. We encourage Realtors to offer the 321ADVANTAGE System to their sophisticated Sellers. Motivated sellers understand that negotiation is an art that requires discipline, technique and a dose of creativity. The 321ADVANTAGE system allows your Sellers to expand their pool of potential buyers by offering various incentives such  temporary interest rate buydowns to enhance affordability. The Seller does not hold a mortgage or any type of financing.

RATHER THAN A STANDARD PRICE REDUCTION…
The seller provides a credit at closing to discount the buyer’s mortgage interest rate. The cost of the BUYDOWN is taken into consideration when negotiating the sale price of the home. A Temporary Interest Rate BUYDOWN is an option that can be attached to ANY mortgage. It creates a substantial financial impact for the buyer, yet doesn’t cost a significant amount for the Seller. WIN! WIN!
 

Buydowns are easy to understand if you consider them as a credit that is provided by the seller to the buyer at the closing. The buyer obtains his mortgage from his lender of choice and at the closing the Seller credit is placed in an FDIC insured escrow account and a portion of the buyer’s payment is withdrawn from this account on a monthly basis. Buyers see the 321ADVANTAGE as a great option because this fund is used as a monthly subsidy in the first 2 or 3 years that keeps his payments low and allows the homebuyer to gradually ease into homeownership. This program creates a sense of security for the buyer yet requires a small contribution from the Seller in relation to the reduction in payment the Buyer enjoys. Win! Win! Effective Marketing Strategy! Temporary Buydowns have been available for more than 20 years. Normally the lender or the borrower funded the buydown and sometimes a builder had arranged with a local bank to offer a temporary Buydown. 

321ADVANTAGE acts as frontrunners in this arena because we are neutrally connected to all Real Estate Companies, banks, lenders, and brokers. 321ADVANTAGE represents the Seller. We represent motivated sellers who are willing to think outside the box. Educated sellers realize that a standard price reduction does very little to enhance affordability or expand your pool of potential buyers. 321Advantage Sellers who join our network offer a winning advantage. It’s a great way to increase your market potential. 321ADVANTAGE is a WIN WIN WIN WIN for Sellers, Buyers, Realtors and the Neighborhood!