From the Desk of
Armen Gukasyan, President
Realty Counselors Inc.

17729 Chatsworth Street
Granada Hills, California 91344
Telephone (818) 368-5100
Facsimile (818) 368-5110

New Program Helps Home Buyers Save
an Average of $15,000

Take advantage of this first of its kind opportunity.
Slash your closing costs by as much as 70%...
Invest the saved money in yourself.

Dear Friend,

I don’t need to convince you of the importance of saving as much money as you possibly can when buying a home.

You already know that buying and financing a home involves significant costs at the closing table. Depending on the purchase price of the home, the costs can, and in most situations exceed, tens of thousands of dollars.

In a typical $500,000 purchase transaction, the home buyer could incur closing costs in excess of $15,000 (It is hard to believe, isn’t it? Well, read on to find out how the costs can easily exceed the $15,000 mark, which are, one way or another, paid by you, the home buyer, whether you realize it or not, whether all of the “costs” are disclosed to you or not.).

Almost always, a gigantic portion of the closing costs are loan related, which often constitute more than 60 percent of the overall costs at the time of closing escrow.

Nonetheless, what if I told you that you can slash your closing costs significantly at the closing table? How? On this page, you will learn how our first of its kind program can help you accomplish that.

In Real Estate It Is Not Really About What
Real Estate Practitioners or Companies Proclaim to Be
But Rather What They Can Do That Others Cannot,
or Simply Will Not, Do to Help You Better Your Situation

Knowing that it is all about what we can do for you, here is what we are going to help you achieve:

Massive savings and pleasant home buying experience. Period. End of Story.

Rebates?

No, this offer is not about rebates. That would be too easy.

We offer you savings which could potentially
be in the tens of thousands of dollars.

And so, you don’t stand to receive two, three, or even five thousand dollars through buyer rebates. We believe you deserve more. Hence, we leverage our resources to help you save more…

And here is how…

When you buy and finance your next home with the assistance of Realty Counselors, we guarantee that you will receive:

The same wholesale loan price that we get from our wholesale lenders

That’s right! We won’t make a penny on your home loan!

You’ll get the same loan price that
brokers and retail lenders get from large wholesale lenders.

Why should you care?

Imagine the following savings:  

• No Loan Origination Fee
• No Premium Rates
• No Loan Processing Fee
• No Application Fee
• No Credit Fee

But how does this influence your bottom line in terms of dollars?

Substantially!

You see, retail loan providers set the retail price by adding a mark up to the wholesale loan price they receive from large wholesale loan providers. The mark up may be reflected in loan origination or processing fees OR built into the interest rate paid by the consumer, which is then rebated to the retail loan provider by the wholesaler. The mark up may vary anywhere from 1.5% to 4% of the loan amount depending on the loan provider.

Here is an illustration…

On a typical $550,000 loan transaction, you could be paying anywhere from $8,250 to $22,000 to the retail lender or broker, by way of up front and/or rate premium fees. And don’t be fooled by the claims made by “direct” lenders promising the deal of the lifetime. In almost every case, whether you go through a broker or direct lender, you will still be paying a markup.

So, it is not rocket science. You do the math. You calculate the savings you’ll receive by simply choosing to employ Realty Counselors for the search and purchase of your next home. That’s hard earned money which you can keep in your bank account or spend on your new home.

 “How will I know if I am getting a wholesale price on my loan?” some might ask. Rest assured, you will know!

Under the federally mandated Real Estate Settlement Procedures Act (RESPA), lenders and brokers are required to disclose to borrowers all costs relating to obtaining the home loan. Additionally, and more importantly, mortgage brokers are also required to disclose any “rebates” or “yield spread premiums” they stand to receive from the wholesale lender as a result of the interest rate premium you will be paying, something that direct lenders don’t have to disclose to home buyers.

On the other hand, if you might ask, “Why is this company going to help me get my home loan at a wholesale price?” “What’s the catch?” Well, there is no catch!

We bring this substantial money saving opportunity to you for one basic reason: We believe that the commission paid by the seller, not you, for the sale of the property is sufficient for us to provide you with outstanding service and at the same time remain profitable. Hence, we choose to provide more value to you in exchange for your business and loyalty. It is a fair arrangement, isn’t it? We’d like to think so.

But wait. We offer more…

Our involvement in your home buying process goes far beyond the hefty savings you will receive through this unsurpassed offer.
 

For your peace of mind as a buyer,
we also provide an extra level of security.

Buying a house is a major investment, and it has become more complicated. Neighborhoods are often in flux, environmental factors can play havoc down the road, and the specific property you want may have a buried history that could resurface to your disadvantage. This is why we take the extra steps of providing:

• Extremely thorough research on neighborhoods, environments, and specific properties.
• Due diligence on your chosen property within the scope of our expertise to avoid unpleasant surprises later from problems that even the current owner may not be aware of. 

As just as importantly, we provide the following:

• Expert help choosing the right loan structure. 
• More ways to reduce closing costs.
• World-class negotiating skills to get you the best price and the best contract terms.

   
Plus we insist on the inclusion of rarely-included contract clauses that give you critical protection.

So, feel free to use our FREE Home Search tools at your pace (no registration required) to search for your home. Or if you’d like, you also can sign up for our FREE service to receive e-mail alerts of new MLS and non-MLS listings the minute they become available. All of these services are provided to you free and without any obligation on your part.

For questions about any of our services or to set up a free one-hour consultation, call us at (818) 368-5100 or e-mail us at info@RealtyCounselors.com.  

Sincerely,

Armen Gukasyan

P.S. Would you gratuitously burn $15,000 or more stockpile of cash? If not, then take advantage of this first of it’s kind opportunity, contact us to help you find your home and keep the hard earned money in you bank account.

Los Angeles Real estate & City Information