December 22, 2005 • ISSUE 47 / VOLUME 1

Revolutionary 'Help-U-Buy' saves on closing costs

New idea offers relief for buyers

Brad Skinner

By Brad Skinner
Meridian Mortgage

Not only in Hawaii, but nationally as well, Realtors have been targeting homeowners in the market to sell their most valuable asset — their home, at discounted commission fees. Hooray for the seller, but what about the poor buyer? With housing prices at an all time high and mortgage rates climbing it is becoming increasingly difficult to have enough money required for both the down payment and the associated closing cost to obtain a mortgage loan. That why I say, why not "Help-U-Buy?"

You have just saved yourself thousands of dollars. Sounds good, right? Read on and discover how you can gain a powerful competitive advantage when purchasing Hawaii Real Estate knowing that your closing costs could possibly be ZERO. Sounds too good to be true — yes you're right, it does — but it's absolutely true.

Meridian Financial Network offers 'bundled services' — integrating real estate and mortgage banking services.

As Hawaii's premier board-based mortgage banker, real estate, and financing service company, Meridian Financial Network is revolutionizing the real estate market with "Help-U-Buy" real estate, mortgage and other financial services all from one source. This new cutting edge paradigm shift is called "bundled services," which is an integration of Real Estate and Mortgage Banking services. Over time, as the real estate market slowly shifts from being a seller's market to a buyer's market, akamai real estate agents will need a competitive edge — one which will enable them to offer "bundled services." In addition to being either a realtor or realtor associate, they may also be a mortgage banking officer — a "Help-U-Buy" specialist.

As a licensed mortgage banking officer for Meridian Mortgage Inc. and a realtor associate for Meridian Properties Inc., I provide the fundamentals of mortgage lending through trainings at our Kahala and Downtown branches. Our loan officer training is directed towards realtors who want to help their buyers save thousands of dollars in mortgage closing costs by becoming licensed with a direct lender with better access to capital markets.

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Meridian's Affiliated Business Arrangement (AfBA) Disclosure provides notice that Meridian Properties, Inc. has a business relationship with Meridian Mortgage Inc. thus allowing the realtor/loan officer to represent the applicant for both transactions and subsequently save the buyer thousand of dollars on their next real estate transaction. For a realtor, "Help-U-Buy" and "bundled services" will be the new buzzwords for buyers and Realtors who can now provide this dual relationship that can attract both seasoned and new home buyers as well.

For information regarding loan officer training contact Brad Skinner at the Meridian Mortgage Kahala Branch at 733-9400 or brad@mortgage2u.com.