Homes in St. Peters and St. Charles Mo. with Dwight Puntigan

Predatory Lending

Across America there are people losing homes, investments, and quality of life due to actions of lenders, appraisers, mortgage brokers, and home improvement contractors who:

Use high pressure tactics to sell home improvements improperly done at high interest rate charges.

Stripping away the homeowners equity by refinancing with no benefit to the borrower.

Pushing borrowers into high risk loans such as balloon loans, interest only loans, products with high prepayment penalties, and negative amortization.

Junk fees for loan processing, handling, computing, having too many fingers involved.

Tiered rates charged by race, religion, and non-credit related concerns.

Knowingly lending more money than the borrower can repay.

Shading data about expenses, income, cash balances, job history, and security.

Selling properties for more, using fraudulent appraisals.

Defining What You Want

Start by creating a prioritized list of features you want in your next home and the reasons why. Use it as your search guide, but remember that depending on your funding, you will probably need to make some compromises. In addition, talk to your real estate professional about where you want to live. Location is a huge part of any move.

Anytime you have questions about school districts, hospitals, sporting events, cultural centers, museums, or various industrial parks and specific employers call me.

Creating a Marketing Plan

Create a marketing plan for your home that will help distinguish it in your local marketplace and attract buyers to your property. This may include advertising in the newspaper, posting your listing on the Internet, holding an open house and more.   Professionals use a Customized Marketing System to create a selling program for clients. Its purpose is to sell a home at the best price possible in the shortest amount of time.

Always, be comfortable in calling me and scheduling a CMA (Comparative Market Analysis).