Gregory Englesbe knows from experience that some home buyers think that they will save money if they deal directly with the sellers. In reality, the opposite is true: most buyers usually lose money when interacting with sellers directly.
First of all, as a buyer, you don’t save any money by not paying commissions. It is the seller who pays the commission. If you are buying a home listed by a real estate agency, you are not paying a fee above the asking price. It is the seller who pays for the services of the agency.
When buying directly from a seller, you are also not going to save any money on your mortgage unless the owner of the home offers you financing. A bank doesn’t care whether you buy a home through a real estate agent or not. This has nothing to do with the terms of your mortgage.
You are also not likely to buy at a lower price because it is unlikely that the seller is a real estate professional who knows enough about the real estate market to price a property correctly.
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Usually, the sellers that choose to sell their homes without the help of a real estate agent decide to try and sell their homes because they want to save money and avoid paying the broker’s fee. They price their homes as if they were selling them using the services of a real estate agent when in reality they are not. This means that a home for sale by owner is usually overpriced. The price is the same as if the home was sold by a real estate agent, but you are not getting any of the services and protections offered by a real estate professional.
If you decide to take a look at the properties that are for sale by owners, do so with a buyer’s agent. The buyer’s agent can help you navigate the process of buying a home and use his or her knowledge and expertise to help you make the best possible decision.
If you do purchase a home directly from a seller, make sure to use a certified home inspector and examine the property for potential issues. Make sure that the inspection is thorough and comprehensive. Pay attention to all the restrictions and covenants that the property has and have a lawyer check all the documents, including your mortgage agreement with someone like Gregory Englesbe.
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Greg Englesbe has been helping people get mortgages for over twenty years. Usually, you borrow money to pay for something that you don’t have enough savings for. A college degree is a great example of such an expense. A four-year degree can easily cost $100,000, $200,000, or even $300,000. Very few people accumulate such savings before they decide to go to college. Borrowing money allows you to get the education you want and later get a job that pays well.
A car is yet another example of a purchase that you may get a loan for. A visit to a car dealer can easily set you back twenty thousand dollars or more. Auto dealers make money selling cars and they will try to convince you that you deserve to drive a nice, newer car. They will also usually offer you attractive financing options.
Buying a car is very different from investing in a college degree. A college degree is a long-term strategic investment. A car or a vacation are examples of consumption. The money that you spend on vacation will be gone and you will have nothing of financial value to show for it. This is why you want to make sure that when it comes to consumption, you buy what you can afford.
Debt that you incur because of consumption is bad because it has a negative impact on your financial health. However, not all debt is bad. Good debt is debt that you use to pay for a degree, buy a home, or start a business. Good debt is usually available at lower interest rates from companies like E Mortgage Management, where Gregory Englesbe is the CEO and helps you accomplish your financial goals in the long run.
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Gregory Englesbe is the founder and CEO of E Mortgage Management. Gregory Englesbe formed the company in 2002, and has built it into a nationwide lending agency.
He works had to keep E Mortgage Management up front with all of its clients, so that they can get the loan they need to purchase their dream home. Owning a home has long been considered the American dream, and it is easily the biggest investment most of us will ever make. For some people, past financial issues can be an obstacle to getting the loan they need, but Gregory Englesbe and his team are there to help.
“The bank, and even more damaging the reality of getting nowhere, had now disappeared,” one client said. “Within a short time, I was able to refinance my home loan with several professionally presented options.”
“Great service,” another said. “Very accommodating to my personal schedule. A smooth transaction.”
Greg Englesbe has more than twenty years of experience in the finance and lending industry.
Gregory Englesbe is the founder and CEO of E Mortgage Management, a full-service lender based in Cherry Hill, New Jersey.
In late 2015, Greg Englesbe was elected to the board of the 59th International Red Cross Ball, which was held in Palm Beach, Florida, early the next year. “I am honored to be elected to this prestigious board,” he said at the time. “I have appreciated and supported the role the American Red Cross throughout my life in the care it provides to individuals and families throughout the world in their hour of greatest need.”
The International Red Cross is a global humanitarian organization made up of several independent groups, including the American Red Cross.
Gregory Englesbe founded E Mortgage Management in 2002. The lender is an active member of the National Mortgage Bankers Association, and has an A+ rating with the Better Business Bureau.
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Gregory Englesbe is the founder and CEO of E Mortgage Management, a national mortgage company with headquarters in New Jersey.
Greg Englesbe works hard to help families get the loans they need at good rates. As he knows, borrowers need to have all their ducks in a row before they ever sit down to fill out a mortgage application. They will need to provide documentation of their credit score and monthly income, and know how much money they’ll be able to put down on a new home.
Helping lenders understand these and other issues is what Gregory Englesbe and his company is there for. “The staff at E Mortgage made it very easy for us,” one client said later. “Everyone we had contact with was polite, professional and prompt. I can’t say enough about how helpful they were on our loan. I would recommend E Mortgage Management to anyone who needs help with a difficult loan.”
Gregory Englesbe started E Mortgage Management in 2002.
Gregory Englesbe has more than twenty years of experience in the finance industry. GregEnglesbe is the CEO at E Mortgage Management, a full-service, direct residential mortgage lender based in New Jersey, and with offices throughout the United States.
When prospective homebuyers are trying to finance their purchase, it is critical that they understand they needs, and take stock of their situation. You must be able to address several issues: how much money do you have for a down payment? How many years do you expect to stay in the new house? How much is it really going to cost you?
Gregory Englesbe and his E Mortgage Management team work with their clients to help them answer these questions, so that they can get the house they want. “The whole process, from application to closing date, has been a pleasure,” one client recalled. “Even when I had to ask them the same questions more than once, they were on top of it, and put my mind at ease.”
Gregory Englesbe founded E Mortgage Management in 2002.
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Gregory Englesbe is the CEO of E Mortgage Management. A graduate of Rider University, he has more than twenty years of experience in the finance industry.
People who are shopping around for a new home need to do a lot of careful planning, especially financial planning. You’ll need to select a good lender, like E Mortgage Management, and provide them with a lot of documentation to demonstrate you’re a good financial risk. This includes your employment history and credit history, and your overall financial situation.
Making these arrangements can sometimes get complicated, but E Mortgage Management is often able to work with difficult cases, like the couple who were looking for a loan several years after filing for bankruptcy. “We tried a few different mortgage companies and none of them could get us approved,” the husband recalled. “E Mortgage Management got the job done. We had a difficult situation, but the staff at E Mortgage made it very easy for us to deal with.”
Greg Englesbe loves working with clients to find them the best possible mortgage rate.