Oviedo, FL

FLORIDA REALTORS - GET YOUR MORTGAGE LICENSE - www.SKIPtheBULL.com

It makes sense to offer your clients both!!! If you are thinking about it, give me a call or email me!

The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than it is, tell you can get a great rate on a loan with bad credit, then hire someone else! If you want a relatively STRESS FREE transaction, Call, email, Txt or visit my website 7 days a week!

REAL ESTATE & MORTGAGE SOLUTIONS WITHOUT THE "BULL".

Find a great bargain at www.SKIPtheBULL.com/FreeHomeSearch

Apply for a loan in Florida www.SKIPtheBULL.com/MortgageApplication

Why don't BUYERS & SELLERS TRUST US?

At least 60% of all my clients have had a bad experience with a real estate agent or a mortgage broker! It's hard to believe that so many of my clients have agents/brokers that don't return calls or are not educating their buyers and sellers.

SEE WHAT OTHERS HAVE TO SAY ABOUT MY SERVICE - www.SKIPtheBULL.com

NO GAMES ~ NO GIMMICKS ~ NO BULL

Award winning REALTOR with RE/MAX Select for almost 4 years in a row.

The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than it is, tell you can get a great rate on a loan with bad credit, then hire someone else! If you want a relatively STRESS FREE transaction, Call, email, Txt or visit my website 7 days a week!

REAL ESTATE & MORTGAGE SOLUTIONS WITHOUT THE "BULL".

Find a great bargain at www.SKIPtheBULL.com/FreeHomeSearch

Apply for a loan in Florida www.SKIPtheBULL.com/MortgageApplication

No but you should!!!

The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than it is, tell you can get a great rate on a loan with bad credit, then hire someone else! If you want a relatively STRESS FREE transaction, Call, email, Txt or visit my website 7 days a week!

REAL ESTATE & MORTGAGE SOLUTIONS WITHOUT THE "BULL".

Find a great bargain at www.SKIPtheBULL.com/FreeHomeSearch

Apply for a loan in Florida www.SKIPtheBULL.com/MortgageApplication

JUMPandDUMP:(from the SKIPtheBULL Dictionary)

The act of purchasing a BETTER HOME while your credit scores are high then DUMPING YOUR EXISTING HOME that is worth less than you owe on it. (i.e. Short-Sale, Foreclosure)

Although this may sound like a great idea. The Mortgage Industry has caught on! Almost daily underwriting guidlines change to protect lenders from such practices.

Theses changes may include but not limited to:

You MUST have at least 30% equity in the existing home before you can count rental income. If you do not have the 30% then they must qualify with both payments and have 6 mos PITI in reserves (cash in bank) for each property.

Clifton Financial Services, Inc

670 N. Orlando Ave, Suite 101

Maitland, FL 32751

Ask about our USDA Insured Rural Housing Loans

• Finance up to 102% of the appraised value
• 30 Year Fixed Rates lower than conventional
• No Minimum Credit Requirement
• No Mortgage Insurance
• Finance In Closing Costs and Prepaid Items
• No Maximum for Seller Contributions
• Not Subject to Declining Market

We are also offering FHA Financing using the Ameridream Program where we get the SELLER to PAY your Closing Costs and Down Payment.

Apply online at www.LowestFloridaRates.com www.SKIPtheBULL.com

407-448-7759

Richard Shuman P.A.

Subject to change without notice.