Help-U-Sell Direct Savings Real Estate

Specialties

How To Buy A Home With Little To No Money

With all of the lending practices changing, many buyers feel they simply don’t have enough money to become homeowners. Their credit rating is good enough and their income is good enough, but the challenging part is the cash up front.

A buyer needs cash for three reasons:

1. Down Payment

2. Closing Costs

3. Prepaid Items

The down payment is a buyer’s responsibility, meaning the buyer either has to have the money (or be able to get it within the rules) or find a way they don’t need a down payment or at least a smaller one.

The closing costs and prepaids are expenses involved in actually obtaining a loan and buying a piece of property. These costs are negotiable between the buyer and the seller. There are limits on the amount the seller can pay, but usually the actual costs are less than the limits.

With proper negotiating, the seller could be convinced to pay the buyer’s closing costs and prepaids, so that leaves the buyer only having to

History

Established in 2005.

Help-​U-​Sell Direct Savings Real Estate opened in Verona, Virginia in 2005.

In 2011 the office moved to Waynesboro, Virginia. The new office address is 362 S. Laurel Avenue. Please stop by the office for a FREE Consultation.

The consultation could be for buying a home, selling a home, or seeing where you are financially.

Meet the Business Owner

Kimberly L.

Business Owner

Kimberly Zelena is the owner of Help-​U-​Sell Direct Savings Real Estate. She has 20+ years experience in business. Some of her back round includes restaurant management, book keeping, home maker, wife and mother. Her hobby is baking. She started her own baking business in 2002. She also volunteers with the Animal Assisted Therapy program at Augusta Health. This program uses animals to assist patients who may have had a stroke or had surgery.