Teacher A+
Home Buying & Loan Program
Community First Financial, LLC is proud to announce our new home buying program & home loan program. We are dedicated to assisting educators, faculty, staff and their families with the proper education, tools and guidance.
The HOME BUYING PROGRAM
• www.TeacherAPlus.com
• Homes starting at $54,500
• Selected Homes - No Money Down
• Foreclosures & Short Sales Available
• Network of Real Estate Professionals Dedicated to Teachers
• 24/7 Online Support and Help
• Lesson Plans For Home Ownership TM
The HOME LOAN PROGRAM
• www.CommunityFirstFinancial.com
• Teacher A+ 30 Year Fixed Loan
• Interest Rate Bid Desk*
• No Down Payment*
• Free Appraisal
• Free Credit Report
• Lower Your Existing Payment
*Teacher A+ Interest Rate Bid Desk Overview - The “Bid Desk” is designed to help Community First deliver the best available interest rate in the marketplace. If a teacher can document that another lender has a better interest rate for a particular product, Community First’s Bid Desk will attempt to match or beat that price.
*1st Time Home Buyers - Purchase selected new homes with no down payment. We use a non-traditional credit score method which allows teachers with challenged credit or no credit history to qualify. The Teacher A+ loan can be combined with any city, county or state grants and also allows gifts from family.
Call 480-305-8905 today to get started!
Visit us at www.TeacherAPlus.com for more information.
Or email tschuricht@communityfirstfinancial.com for more information.
Those that know me know I belong to a family of educators. I hold them and all teachers in high regard. Please forward this email to anyone you know in the educational field.
Troy Schuricht
Community First Financial, LLC
7575 E Redfield Rd Suite 235
Scottsdale, AZ 85260
480-305-8905 - office
480-393-8801 - fax
Friday, September 12, 2008
Frequently Asked Question - Teacher A+
The HOME BUYING PROGRAM
Where do you find information on homes starting at $54,500?
§ At TeacherAPlus.com you can find home and properties that are listed by the Realtors belonging to the online community. Many of these homes are under $100,000 and are perfect for first time home buyers and potential investment properties.
How do you know which selected homes are available with no money down?
§ The government housing authority of the USDA sponsors our loan program, which we can offer no money down on selected homes. To find out which homes or areas are available, please call.
How can I get more information on foreclosures and short sales?
§ TeacherAPlus.com has put together a group Realtors dedicated to providing information, strategies, and properties. This group is specialized in the foreclosure and short sale market.
What is the network of real estate professionals?
§ This network of individuals on TeacherAPlus.com. These professionals have all joined together to help facilitate home ownership of teachers. They are your mentors, advisors, community, friends, and family.
What kind of support and help can you provide?
§ Through our online community, teachers can ask questions, create focus groups, and utilize TeacherAPlus.com any time of the day. With several hundred active members, our online network is quick to respond to any interaction.
What is Lesson Plans For Home Ownership TM?
§ This is a nine step outline for teachers to walk through before and during the home purchase process. Each lesson plan consists of a goal, the real estate professionals involved, information on the goal, and questions to ask your advisors.
What makes TeacherAPlus.com special?
§ The website was created to specifically give teachers an online community they could interact with in regard to real estate. The website is quickly becoming an advocate for home ownership among teachers. Real Estate community leaders are now a part of our community ranging from presidents and owners of national real estate companies to former teachers turned real estate agent.
FAQ - Teacher A+
The HOME LOAN PROGRAM
What is the Teacher A+ 30 year fixed?
§ This loan program is a 30 year fixed loan that loan qualifying features specifically for teachers.
What is the interest rate bid desk?
§ The bid desk is designed to help Community First Financial deliver the best available rate in the marketplace. If a teacher can document that another lender has a better interest rate for a specific product our bid desk will attempt to match or beat that rate.
How do I take advantage of no down payment?
§ First time home buyers may purchase a selected home with no down payment. We can use a non-traditional credit score method which allows teachers with challenged credit or no credit history to qualify. Our program can be combined with any city, county or state grants and also allows gifts from family.
How do I get a free appraisal?
§ We will pay for an appraisal for any teacher that closes home loan with Community First Financial.
How do I get a free credit report?
§ Because of our commitment to teachers we will pay for a credit report.
How can you lower my existing payment?
§ We will do a market analysis of your current interest rate and your current home value to determine if we can lower your interest rate and/or payment.
What is http://www.communityfirstfinancial.com/?
§ Our website is useful resource to learn more about our company and other loan programs.
Wednesday, August 13, 2008
Teacher A+ Home Buying Program
Lesson Plans For Home Ownership
(Summary)
1. Build your TEAM - Selecting your team of advisors and real estate professionals may be the most important decision you make.
2. GOAL & Credit = Loan Options - While your credit is important...It is your goal that should define your loan options.
3. FIND a Home - Finding a home can be a long and time consuming process. It is important to know what you want before you start.
4. CONTRACT - Once you’ve found the right home, it is important to make an offer to the seller that works for you and one that gives you an out.
5. ANALYSIS of the Property - There are two areas of property analysis to consider: Property condition and property value.
6. LOAN Analysis - Know what type of loan you are getting and how the fees are structured. Always ask for a good faith estimate.
7. CLOSE on the property - Closing usually takes place at a title/escrow company. Compare your final figures to your good faith estimate.
8. OWNERSHIP - Now that you own the property, what should you expect as a home owner.
9. GROWTH - There are many benefits to being a home owner, learn to utilize those benefits. Start planning for future real estate transactions.
http://www.teacheraplus.com/
Copyright © Community First Financial
Tuesday, August 5, 2008
The Advantages of Teacher A+ Groups
Our Teacher A+ network currently consists of nine groups:
The idea of each group is to allow teachers and members find each other and information about a specific topic or groups of individuals. Realtors should belong to the Realtor group because this is where teachers are going to seek out information about real estate agents and the topics they cover. The same can be said for loan officers, title companies and all the other groups.
The teacher group is an area that teachers will create profiles so they can interact with the rest of the members. This will grow to be our biggest group over time. Most of the personal information will optional, this will allow them to be comfortable and interact at the same time.
Feel free to create a group at any time, just remember with this creation comes with responsibility. Individuals that create their own group should be motivated to grow not only the number of members that belong to it, but content as well. This content should at all times be relevant to teachers, faculty, schools, community and real estate.
Kindly join the groups that you can participate with and help grow our real estate network.
http://www.teacheraplus.com/
Realtors
Foreclosures and Short Sales
Loan Officers
Insurance Agents
Title Companies
Appraisers
Real Estate Advisors
Remodeling & Construction
Teachers
The idea of each group is to allow teachers and members find each other and information about a specific topic or groups of individuals. Realtors should belong to the Realtor group because this is where teachers are going to seek out information about real estate agents and the topics they cover. The same can be said for loan officers, title companies and all the other groups.
The teacher group is an area that teachers will create profiles so they can interact with the rest of the members. This will grow to be our biggest group over time. Most of the personal information will optional, this will allow them to be comfortable and interact at the same time.
Feel free to create a group at any time, just remember with this creation comes with responsibility. Individuals that create their own group should be motivated to grow not only the number of members that belong to it, but content as well. This content should at all times be relevant to teachers, faculty, schools, community and real estate.
Kindly join the groups that you can participate with and help grow our real estate network.
http://www.teacheraplus.com/
Thursday, July 31, 2008
Teacher A+ In The News
85239 - Daily news and quarterly news magazine for city of Maricopa, Arizona.
http://www.85239.com/NEWS/NewsArticleDetails.aspx?mid1=390&&ArticleID=3878
Loans catering to educators make home ownership possible
By Michael K. Rich
July 29, 2008
Attention: educators in the market for a new home, a loan is available designed to suit your needs.
This loan program, called the Teacher A+ Home Loan program, is available to all teachers, school faculty and staff.
With three new Maricopa Unified School District schools opening next month, it might be just what new and existing MUSD employees need.
The way this program differs from a standard loan is that it allows teachers to claim income they make from a summer job with limited documentation and no time requirements.
“A standard loan requires the borrower to have a two-year history at a job in order to claim it as income. With teachers, a summer job is often part time so it can not be claimed,” said Troy Schuricht, owner of Community First Financial, a company that offers this loan program.
In addition to being able to claim income from their summer jobs, the loan program allows teachers to use what is known as boarder income.
Boarder income is rent a potential roommate may pay the future homeowner.
Community First Financial has been offering this loan program for seven years but reports seeing a drastic increase in activity during the past several months.
“For a while, home prices got so high teachers could not afford them; now that prices are falling back into affordability we are seeing a return to this loan program,” Schuricht said.
The loan is available in both fixed- and adjustable-rate formats, and up to 100 percent financing is available.
For more information visit: http://www.teacheraplus.com/
http://www.85239.com/NEWS/NewsArticleDetails.aspx?mid1=390&&ArticleID=3878
Loans catering to educators make home ownership possible
By Michael K. Rich
July 29, 2008
Attention: educators in the market for a new home, a loan is available designed to suit your needs.
This loan program, called the Teacher A+ Home Loan program, is available to all teachers, school faculty and staff.
With three new Maricopa Unified School District schools opening next month, it might be just what new and existing MUSD employees need.
The way this program differs from a standard loan is that it allows teachers to claim income they make from a summer job with limited documentation and no time requirements.
“A standard loan requires the borrower to have a two-year history at a job in order to claim it as income. With teachers, a summer job is often part time so it can not be claimed,” said Troy Schuricht, owner of Community First Financial, a company that offers this loan program.
In addition to being able to claim income from their summer jobs, the loan program allows teachers to use what is known as boarder income.
Boarder income is rent a potential roommate may pay the future homeowner.
Community First Financial has been offering this loan program for seven years but reports seeing a drastic increase in activity during the past several months.
“For a while, home prices got so high teachers could not afford them; now that prices are falling back into affordability we are seeing a return to this loan program,” Schuricht said.
The loan is available in both fixed- and adjustable-rate formats, and up to 100 percent financing is available.
For more information visit: http://www.teacheraplus.com/
Monday, July 7, 2008
Teacher A+ Home Loan Program
Community First Financial, LLC is proud to announce our new home loan program that assists educators and their families with the proper education and guidance to purchasing a home.
How is this loan different?
· Visit http://www.teacheraplus.com/ and http://www.teacheraplus.ning.com/
· Only for qualified Educators and families
· Community partners to assist you
· Access to foreclosures and short sales
· Teacher A+ Home Loan Program
How is this loan different?
· Visit http://www.teacheraplus.com/ and http://www.teacheraplus.ning.com/
· Only for qualified Educators and families
· Community partners to assist you
· Access to foreclosures and short sales
· Teacher A+ Home Loan Program
- Low down payment options
- Reduced interest rates
- Discounted closing costs
What educational tools are available?
· Our unique presentation of the home buying process
· Teacher A+ lesson plan for home buying
· Free home buying seminars
· Rich Dad’s Real Estate Advantages Book
by Sharon Lechter and Garrett Sutton – Free with application and loan approval
How does this loan program help?
· Educates you on why buying a home is important
· Helps you choose the loan that is best suited for you today and the future
· Continue education in building wealth with real estate
Community First Financial, LLC understands that very few people can explain the entire home buying process along with the tools to help you with your decision. Let us teach you the home loan process, options and real estate possibilities.
Call 480-305-8905 today to get started!
Visit us at http://www.teacheraplus.com/ for more information. Or email troy@cffinfo.com for more information by email.
Those that know me know I belong to a family of educators. I hold them and all teachers in high regard. Please forward this email to anyone you know in the educational field.
Troy Schuricht
Office: 480-305-8905
Toll free: 888-542-2288
7575 E Redfield Rd. Ste 235
Scottsdale, AZ 85260
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