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Better Credit Save Money
Dear Visitor: We are proud and humbled at the
same time to be known by our clients and friends as a unique personal service company for providing outstanding real estate
representation and personal finance consultation that only begins with the home buying
process or mortgage financing arrangements. Until you experience the benefits and ongoing personalized services by U.S. Credit
& Realty, you cannot appreciate the advantages nor compare the quality of services to our (so called) competitors.
We are skillful at providing purchase money first mortgages, refinances, second mortgages and equity lines of credit (at
below average costs) to our clients. Our guarantee!
As home buyer specialists, we’re changing the way real estate business is being done, saving our clients thousands
of (out of pocket) dollars by providing a “no
cost – no fee loan.” Our commitment to our home buying clients. Also our market niche when listing / selling homes that few companies can offer.
Please come in and look around (or call us), for tips, advice, and insight into today’s market environment.
And come back as often as time will allow, as we continue to develop new and innovated methods designed to save our clients
money and protect their interests. But in the meanwhile, if you wish to explore homes throughout San Diego, Riverside, and
LA County, home prices, or learn a few trade secrets, contact us via email or by telephone and we’ll show you how we
are unique by comparison. I hope you will accept my invitation to call on me personally regarding any real estate or personal finance related
matter. Whatever the scenario, I will freely offer my assistance to the degree that I can, and at the same time, look
forward to gaining you as a client by earning your business and your trust.
Sincerely, Bill
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| Bill Stuart, Broker / Officer |
Mission Statement We are committed to providing superior personal–finance
management, mortgage lending, and realty services with personal care, concern and attentiveness, helping our clients and friends
achieve their goals. The highest degree of professionalism, loyalty, and knowledge
is our standard.
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REAL ESTATE Timing the Market |
Buyer's Specialist It is essential and in every buyer’s best interest to have separate representation when buying real estate. A
buyer without representation has a substantial disadvantage. A buyer’s agent shares the listing agent’s commission
which is paid for by the seller, so it doesn't cost you anything, to the contrary.
As a buyer’s agent, my responsibility is to find you the best possible home, and at the best price. I preview
homes listed on the MLS on a daily basis, paying extra attention to the ones just listed. My experience and knowledge begins
with knowing what the market value “should be” for a property, and can easily identify a good deal when I see
one, conversely, a bad one. A good buyer’s agent will know how much the seller paid for their home and approximately
how much they owe (a listing agent cannot reveal this information to you), how long it's been on the market, and other
factor's that can help determine how motivated the seller is, and how much less they may be willing to accept.
In addition to helping you find the best possible home, at the best price, I can
qualify and provide you with a purchase money first mortgage, all inclusive to conventional, jumbo, FHA, and VA type financing.
And in the spirit of being a part of the solution in concert with the governments Home Affordability and Stimulus programs,
for home purchases ≥$360,000, less if possible, US Credit & Realty is offering a no cost – no fee loan; our commitment to “saving
our clients money with every buying and financing decision they make." Mortgage Planning Our approach to purchasing a home and choosing the appropriate loan program is very much in sync
and similar to the financial planning process. It begins with a realistic financial evaluation and a budget analysis of both
the present and future, with considerations to lifestyle factors. This process will offer you peace of mind knowing that you
are well within your means, comfortable, and free to enjoy the benefits and pride of home ownership. It is unfortunate and
equally disappointing that professional mortgage brokers and bank officers are not motivated and/or perhaps untrained to offer
this type of education and counseling to their clients.
Personal Finance
Credit
Analysis Credit has never been more important and as difficult to obtain and protect as it is today. Have your
credit report and FICO scores micro-analyzed by a credit professional who has the inside track on how to manage your credit and improve your
scores, without the trickery of the so called credit repair experts.
Skilled Negotiations In
addition to our proven negotiation skills on real estate purchases, we have other proven money saving strategies that
will save you thousands on major purchases such as autos, home improvements, leasing terms and contracts, third party
financing, even on your existing debts.
Settle-For-Less Retire
your secured and unsecured debt by having us negotiate a settlement for less than what is owed. You don't necessarily
have to have declining credit to qualify. Pay all at once or over time. You will be amazed at what can be negotiated!
Audit / Loss Mitigation An in-depth review is conducted of your current loan terms, specifically the Promissory Note
and Deed of Trust. Many adjustable rate mortgages (ARM) originated within a 7-year period reveal various federal violations
and / or compliance issues. Results of the audits are used as leverage when negotiating with the mortgage companies in effort
to find ethical resolutions for both homeowners and mortgage holders. *Foreclosure prevention and loss mitigation consultation
is a complimentary service that we offer to our clients and friends. We do not offer
this service for a fee.
Identity Theft Protection Take advantage of our experience and knowledge of the credit industry, and let us help you protect one of your most
valuable assets; your credit! Learn the single most affective method to safeguard your credit and identity, beginning by locking
it down with a (credit report) security freeze. Have your social security number removed from circulation by eliminating it
as a source of identification, and have your name, address, and telephone numbers (including cellular) deleted from creditors,
businesses, and other marketing companies data banks. We'll explain to you how it all works, and why paying for credit
monitoring services and placing a fraud alert on your credit report offers minimum protection.
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