SacramentoHomes.net - Success Stories

Success Stories

Qualifying for a loan to buy a house can seem like a daunting challenge, especially for people with limited incomes, or recently widowed individuals, or single moms. With Bob and Mary's help these people have successfully qualified for loans and bought their dream homes. You can too!

Tina's Success Story

Tina’s story is familiar - single working Mom, making ends meet with a full time job and child support payments. With help from 3 of the Sacramento Housing & Redevelopment Agency’s programs, Tina’s family purchased a 3 bedroom, 1 bath home on a huge lot in Antelope. It had recently been completely rebuilt! But it almost didn’t happen. An administrative error in Tina’s support payments almost stopped everything. Bob and Mary were able to work with the seller, SHRA and the lending company to make sure that Tina got her home.

"I met Bob thru a class he was teaching. Boy, am I glad I gave him a call. I know that I would not have the size house I bought for the payments I have without his hard work. I also am sure that without Mary’s help I would not have a house in the neighborhood that we wanted to live and with all the extras that we really wanted. Thanks Bob and Mary, my family loves you!”

Tina

Janet's Success Story

A recent widow, Janet had a stable, good job but not high income. She received some cash from her husband’s estate but did not believe that she would qualify to buy a home. Using 3 programs from the Sacramento Housing and Redevelopment Agency, Janet received over $25,000 of mortgage and down payment assistance, and was able to increase her purchasing power with the Mortgage Credit Certificate Tax Credit Program.

"Mary and Bob,
I wanted to thank you both for all your support and hard work in finding and helping me buy a house. If it weren't for the both of you I do not think that I would have ever been able to own a home of my own. You both put in so much work I really can't thank you enough. I love my new home, and anyone who asked me about buying a home will be given your names and number. Again thank you."

Janet

Gary & Linda's Success Story

New to Sacramento, Gary, Linda and their two daughters had been living in a cramped apartment. After a year ‘getting to know’ the area, they were ready for a move but were unsure of whether or not they could actually buy a home of their own. After all, Linda was not working at an ‘out-of-the-home’ job right now because taking care of their daughters was a priority. Could they purchase on just one income? Gary heard about the great classes offered by a non-profit agency, the Home Loan Counseling Center, and they signed up.

Gary and Linda met Bob at the class where he was one of the instructors. In the class, they learned about down payment assistance programs, the mortgage credit certificate and more. After an individual appointment with Bob, they discovered that their family qualified for many of the programs offered by the Sacramento Housing and Redevelopment Agency (SHRA). Now it was time to find a house.

Mary worked within the parameters of Gary’s and Linda’s desires, and those established by SHRA for their programs. They found a small but nice 2 bedroom home with an enclosed patio that would serve as a great playroom for the girls. With Gary’s income, $25,000 in assistance from SHRA and the Mortgage Credit Certificate – they could qualify to buy the house. The one drawback was it didn’t have air conditioning. Mary advised them about an Energy Efficient Mortgage, which after an energy audit, allowed Gary and Linda to upgrade to central heat and air as well as weather stripping the entire home! Now they can enjoy their new home all year long.

Geraldine's Success Story

"Like most people, I'd always dreamed about owning a home but it seemed like that was something too far out of reach for me. The first thing I did was talk to about Bob about qualifying which made it so much easier when I actually decided to start looking. When I finally found my little dream house he helped me through the maze of paperwork with a good sense of humor, patience and all his expertise. One of the first time home owner programs Bob told me about is the Mortgage Credit Certificate program, which reduces the amount of federal income taxes otherwise due to the federal government up to 15% for the life of my loan. When interest rates plunged, Bob was there to help me through the process. He also counseled me about the advantages of using the equity in my home for some home/yard improvements. My house payment went up only $50.00 and I was able to do some much needed landscaping and home repair work. As an added bonus, I got to refinance my mortgage loan without voiding my current Mortgage Credit Certificate. I sing Bob's praises whenever someone talks to me about buying or refinancing. He really knows what he's doing and helps to educate you during what seems to be an interminable process of paperwork. I am lucky to have had him on my side and even luckier to be able to call him my friend - for life!"

Geraldine

Looking for a Home? Contact Mary Willett: Mary@SacramentoHomes.net • Cell Phone/V.M.: (916) 715-0122
Need a Loan? Contact Bob Willett: Bob@SacramentoHomes.net • Cell Phone/V.M.: (916) 485-7939