The A Haulcy Team Buyer’s Guaranteed Savings Program

The Only Realtor & Loan Officer Who Puts His Money Where His Mouth Is

Buying a home should be exciting, not expensive. That’s why I created the Buyer’s Guaranteed Savings Program, designed to give buyers the edge they deserve: lower costs, better rates, and guaranteed savings.

How the Program Works

When you work with me as both your Realtor and Loan Officer, you can receive:

• All or most of your closing costs paid
• An interest rate buy-down, reducing your monthly payment and saving you thousands over time

You’ll often secure a below-market interest rate and save more upfront than with any traditional agent-lender combination.

Program Condition: To qualify, buyers must use me as both Realtor and Loan Officer on the same transaction.

Step-by-Step Process

1. Schedule a Consultation – Discuss your goals, timeline, and loan options.
2. Get Prequalified – My team reviews your financing and eligibility.
3. Activate Your Guarantee – Receive a written agreement detailing your savings.
4. Shop With Confidence – Know exactly what you can afford and how much you’ll save.
5. Close & Celebrate – Purchase your dream home with guaranteed savings.

Why It Works

As both a licensed Realtor and Mortgage Loan Officer, I can combine commissions, lender credits, and rate options to create deals other agents simply can’t:

• Bigger savings on every purchase
• Faster closings with one point of contact
• Stronger offers in competitive markets
• Less stress from start to finish

Saving on Your Mortgage

A lower interest rate can save thousands over the life of your loan. Key factors that impact rates include:

• Credit Score – Pay bills on time, keep balances low, and avoid new credit lines before applying.
• Debt-to-Income Ratio (DTI) – Lower monthly debts improve approval chances.
• Down Payment – Higher down payments reduce risk and may eliminate PMI.

Managing Closing Costs

Closing costs can add thousands to upfront expenses. You can reduce them by:

• Lender Credits – Some programs cover fees in exchange for a slightly higher rate.
• Seller Negotiation – In certain markets, sellers may cover part or all of closing costs.
• Down Payment Assistance Programs – Many states and local governments provide grants or loans for first-time buyers.

Plan, Budget, and Prioritize

Know your budget, including mortgage, taxes, insurance, and maintenance. Identify your home priorities—bedrooms, location, amenities—to focus your search efficiently.

Expert Guidance

Working with a knowledgeable Realtor and Loan Officer ensures you maximize savings, secure the best rates, and navigate closing costs smoothly. My team provides tailored advice to help you make informed decisions and confidently purchase your dream home.

Ready to save on your next home purchase? Contact me today to learn how the Buyer’s Guaranteed Savings Program can help you buy smarter, save more, and move into your dream home with confidence.