We Are Family First House Buyer
Dear Homeowner,
My name’s Dustin Brandon and I’m writing this from my home office to share a bit about myself, my company and what our mission is. The reason you’re reading this is because we probably spoke on the phone and you’ve requested some further details about us. Thanks for taking the time and for being curious! The big thing to keep in mind here is that we are a Creative Real Estate Company. Which means we do things differently. Our mission is very simply to Empower Canadians with the same tools that banks have used to take monopoly on the real estate market. We are not agents, not brokers, not private lenders and most of all not looking to provide a solution where a solution isn’t needed. We are simply consultants, who purchase houses and have unique solutions to do so. If the solution doesn’t fit, no big deal!
So what exactly do we do and why should you care? We buy houses, we rent them out, we might fix them up here and there but our goal is NOT to flip them.
We’d rather hold them for years and years to come because guess what? Rental Income puts food on the table for our families, month after month, year after year. And the reason you’re receiving this letter is because we’d like to make you a fair, full price offer on your house, if the solution fits. Ok Dustin, I get it. You buy houses. But what is this solution you keep mentioning? Great question! The solution I’m talking about is what’s called Seller Financing. It’s a very special technique that’s been used by many in Alberta since before CMHC and regular bank mortgages even existed. Many investors, realtors and even regular homeowners have been using this strategy for the last 70+ years right here in Alberta and throughout the rest of our home and native land. Here’s some brief history:
Back in the day before the Canadian government created the CMHC programs, us Canadians had to come up with 50% down payment to finance ANY house!
This put some roadblocks in front of the average Canadian, and especially in front of investors who were looking to make a career out of this business. So, as Canadians we got creative and started working together without the banks having to get involved. Not only that, even when CMHC did come out, do you remember when interest rates were commonly 15% or more?
That’s where Seller Financing comes in. It goes by many names (Vendor Financing, Owner Carry-Back, Vendor Take-Back, Agreement for Sale, Etc…) but it’s all just a fancy way of saying The seller becomes the bank, and the buyer pays them an equal monthly payment. Now, as the bank a homeowner will have all the same rights to repossess the property should the buyer miss even a single payment. Don’t worry, the whole thing is handled by your neighborhood lawyer. (Although most lawyers aren’t aware of this because they are too busy working for the banks…)
Here’s how it works:
The Seller and Buyer create a note for the balance of the property, the monthly payment, the amount of time until paid in full and any other terms they agree to. Then, they take that to the lawyers, exchange keys and enjoy the benefits to both sides!
WHO REALLY WINS ON A TRADITIONAL SALE?
Let’s break it down.
1st, the Realtors get paid $7,000.00 minimum, then an additional 3% on the remaining price from $100k and above. This typically averages $15,000.00 – $30,000.00. Paid by The Seller! Now, if your realtor does a good job then maybe they deserve it. We work with lots of realtors and make sure they get paid fairly.
2nd the banks get paid. Not just the sellers bank for any pre-payment penalties, but there is also the buyers bank which profits on HUGE interest for the first 15 years. The interest in the first 15 years of a mortgage easily runs up to $200,000.00. Money that could be going into your pocket, as a homeowner bank.
3rd, there’s the lawyer fee’s to cover. Anywhere from $1,500.00 to $3,500.00 depending on who you work with. This is essential and quite honestly, if they do a good job, they deserve their fees.
4th and last but definitely not least, the homeowner finally gets paid after all that. If there’s any left over…
Does that really sound like a good system to you?
Great now let’s break down what it looks like to do a private, seller finance deal with Family First House Buyers. No banks, No realtors and No hassles:
1st, the lawyer gets paid to close the transaction. And We’re willing to cover this cost most of the time.
Then, the seller gets paid up to 3 different ways:
I. Upfront as a down payment
II. Every month as a seller-bank
III. At the end of the agreement when we cash you out in full
Does that really sound like a good system to you?
Great now let’s break down what it looks like to do a private, seller finance deal with Family First House Buyers. No banks, No realtors and No hassles:
1st, the lawyer gets paid to close the transaction. And We’re willing to cover this cost most of the time.
Then, the seller gets paid up to 3 different ways:
Does that really sound so complicated? Great! Glad you agree, it isn’t complicated. Now, let me re-introduce myself so you can decide whether we should or shouldn’t do business together. Sounds fair enough?
My name is Dustin Brandon, I’m 32 I’ve been working in the construction industry and as a plumber gas fitter for the two last decades. Last year I had my son Dax, who just turned 20 months old and before that I was getting sick and tired of going back and forth up north for 2 weeks and back home for only 2 weeks. I wasn’t making what I knew I was worth and most of all I was miserable. That’s when I called up my friend who’d been successful in the real estate business and asked him “What are you doing, and how can I get a piece of the action?” What he told me changed my life. He said something very simple and profound. “Dustin, all I do is help homeowners solve their problems. If I can do that, then we can make a deal happen. If I can’t then there’s no deal and I move on. No sweat.” That’s when it hit me like a ton of bricks. I’d been living selfishly, although I was making decent money working as a contractor, I had NO time to enjoy it with my family and I knew my son was on the way and things had to change. That wasn’t fair to my family, and to the picture I’d painted for us about our future. So I quit my job right then and there, put my head down, and got to work. I realized all I had to do was focus on providing solutions that actually make people’s lives better. Instead of focusing on where the money’s coming from. That’s when everything changed and not long after that conversation I had my first deal. I’d put a purchase together for $412,000.00 from a family in NW Calgary (Evanston area) that was struggling to pay their bills on time, and simply needed to get rid of the house. They were happy to have their mortgage debt paid for and to be free from the burden of the house. But unfortunately, things didn’t go as planned for my first deal.
I’d failed to understand that not ALL lawyers know what they’re doing. And when it came down to getting the deal closed, the lawyer couldn’t put it together. We struggled to close the deal and had to let it go. That hurt and I almost quit and went back up north. I just wasn’t sure if this business was for and we’d just lost out on over $22,000.00 that would have fed my family, paid my mortgage and kept me sane for the next couple months. But, we kept on going. And the next deal we got I made sure we had the right lawyer, the right paperwork and the right mindset to get the deal done. The seller’s were very grateful to work with us and you can see here they mentioned: “Dustin treated us with nothing but respect” Check it out for yourself – [Bob and Gail Testimonial]
It felt good to get a deal done and to finally make a bit of money but that’s besides the point. Once we got this deal done, I knew this was the business for me.
So that’s my story in a nutshell. I strive to be one of the youngest, most successful real estate entrepreneurs in all of Canada. And I only plan on getting there by helping the most amount of homeowners with the highest value solutions we can come up with together. There’s not a chance I’ll get there if I don’t do it the right way.
All I ask is this:
You give me one shot, to show you what I can do with these creative solutions and believe me, you’re going to be very, very impressed. Sound fair enough?
And as for the company…
Let me introduce my partner Christopher Gawryletz, He’s a young go-getter who’s been in the financial business for the last 7 years. He’s got a
huge network of investors he works with and he’s the guy that makes the money work for all of us, including you. Starting in finance he saw the power of investing right away, but being in stocks decided that it was too fluffy, and that there wasn’t enough real substance. Hence the switch to real estate. I’ve personally watched him sell over $2.5M worth financial services before deciding to start this business with me. 3 years ago, we opened up the Family First House Buyer company. Since then, we’ve helped countless sellers learn these solutions and have purchased 8 properties just this year. Because of our vast combined network we were able to work many different types of deals all the way from $10k mobile homes all the way up to $5,000,000.00 (Million) luxury houses that we turn into Corporate rentals, all throughout Alberta. As the founder of this company, I want to make a personal guarantee to you. This is my guarantee that after speaking together, you’ll understand what the best move is for you. Even if it’s not selling to us.
If you’d like to learn how to beat the banks at their own game, rise to the top of the totem pole in society and even potentially make a lifelong friend I want you to know that I’m only 1 call away. Just give me a shout at 403-879-7935 and I’ll make sure to find a quiet place and set aside all distractions so we can put our heads together for something creative.
Sincerely,
Dustin Brandon
Founder of Family First House Buyers