COBALT MORTGAGE | WA LIC: 520-CL48866
Ben Brashen: MLO- 175756
Mason Buckles: MLO- 176104
Yes! I Want to Discover
My Home Buying Options
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  • We finally got our new home and you guys made it so easy. Starting off we knew nothing about mortgages and now we have our dream home!


    Dan & Jaime Kezner
    Mercer Island, WA

  • You taught us everything we needed to know and we we’re so happy to move in.


    Mike & Leslie Obrien
    Seattle, WA

  • What a flawless process! You took the time to help me understand what everything meant. My new condo is right where I want it...Thank you!


    Kelsey Birnbaum
    Seattle, WA

  • You held my hand through the entire process and made sure I knew every detail. It was easier to get a loan than to get Comcast to install the cable!


    Lindsey Johnson
    Ballard, WA

  • You took the guess work out of the whole process and educated me on what I needed to know while answering all my questions promptly. I was amazed how fast you were.


    Rafael & Manuela
    Everett, WA

  • I felt 100% confident and comfortable the whole time! This is a lot said seeing as I was working with the team remotely. This program truly works and the organized information was PERFECT!!!


    Ken & Shylah Davis
    Port Orchard, WA

  • You and your team made the mortgage process the most stress-free part of the entire house hunting experience. We learned everything we needed to avoid any pitfalls. Your team was quick and nimble to react every step of the way.


    Sarah and Marty Mogk
    North Bend, WA

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IS BUYING & OWNING A

HOME RIGHT FOR YOU??

You may not believe this but owning a home is not for everyone. I’ll bet you won’t find a lot of mortgage lenders or real estate agents here who will tell you that!

In all honesty, the American Dream of home ownership is available for anyone who wants it but not without taking some responsibility.

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A responsible homeowner is found when the real customer in this process, you, understands everything you need to about buying and owning a home.

Fortunately for most Americans, homeownership is not just a home but one of the best financial decisions a person can make.

Here are a few reasons why:

Reason 1 - Have you read the financial classic The Richest Man in Babylon by George S. Clason? It is a book of financial principles that are easy and sound. In fact people would be very wise to read and live by it! In Chapter 3 of the book, 7 Cures for a Lean Purse, the fifth cure is: “Make of thy dwelling a profitable investment.” The lesson goes on to explain, “Paying exacting landlord’s liberal rents for rooms…” is not a path to financial prosperity.

If you must pay for your own shelter- you should work to create the opportunity to own your home, and build wealth in the process.

By paying rent every month, you are making your landlords wealthy while breaking your bank. Why would you want to pay off his mortgage?

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Reason 2 - You can build wealth in two ways when you own a home. By putting money in to a “savings account” of sorts by paying down your mortgage, and through appreciation -- the rise in the property’s value over time.

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Reason 3 -Even though you may say that the place you rent is yours…face it – it’s not! The pride of ownership will lead you to make improvements to the home. When the improvements make the value of the home go up, it’s called sweat equity. When you improve the home you own you get to enjoy the improvements and increased its value at the same time!

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Reason 4 - Here’s a fact as shown in the chart below: Homeowners have a higher net worth than renters.

Average net worth of homeowners vs. renters

Annual Income

Owners

Renters
$80,000 and up $451,200 $87,400
$50,000 - $70,000 $194,610 $25,000
$30,000 - $49,999 $126,500 $10,600
$16,000 - $29,999 $112,600 $4,240
Under $16,000 $73,000 $500.00
Source: VIP Forum, Federal Reserve Board

 

 

-OR-

Another Success Stroy:

First Baby and a New Home

Recently my wife and I received the wonderful new that we were expecting our first child. We felt like we had to move fast!

I was referred to the First Time Home Buyer Pros by colleague and I scheduled my New Home Buyer Discovery Program. From the get go, Ben and Mason we're great reunning me through several loan program options to ensure I found something that met my needs.

Several follow up phone calls helped me through the process. We finally settled on a program and headed towards a smooth close. We look forword to raising our family in this home.

Thanks for taking some of the stress out of the buying process.

-Jeremiah Glodoveza