IN PARTNERSHIP WITH LIBERTAS GROUP

By Tim & Julie Harris · October 2, 2025

🌔 Good evening, {{first_name|smart agents}}! Most buyers think the only way to purchase a home is the “standard” 30-year fixed loan with 20% down.

But in today’s market, that’s far from the only option. Smart agents know the menu of alternatives and how to match clients with the right product.

Knowledge = confidence, and ignorance = fear, so let’s build your confidence with this guide.

Let’s get into it! 👇

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Great for buyers who don’t plan to stay long-term.

Lower initial rates vs. fixed: as of Sept 2025, a 5/1 ARM averages 5.89%, a 7/1 ARM ~6.02%, and a 10/1 ARM ~6.15% (Mortgage News Daily).

Example: On a $400,000 loan, a 5/1 ARM at 5.89% saves ~$270/month compared to a 30-year fixed at 6.22%.

💡 Action Step: Record a quick explainer video — “What’s a 5/1 ARM and how much could you save? Let me show you real numbers from today’s market.”

Designed for first-time buyers or those with lower credit.

💡 Action Step: Create a buyer handout or post — “Think you need 20% down to buy a home? Not true — FHA can get you in for 3.5%.”

For veterans, service members, and some surviving spouses.

Myth Busted: VA loans now close in roughly 45 days, about the same as conventional (ICE Mortgage Tech).

💡 Action Step: Host a short Veterans Day video — “Here’s how VA loans can get our heroes into homes with no down payment.”

In a shifting market, the agents who adapt fast are the ones who win.
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Combine purchase + renovation into one loan.

Example: $300K fixer + $100K upgrades → finance $400K total.

Perfect for buyers frustrated by limited move-in-ready homes.

💡 Action Step: Share before/after reels — “This was a 203(k) renovation — ask me how it works!”

Approval based on assets, not just income.

Example: Retiree with $2M investments can qualify using assets.

Requires seasoned accounts (6–12 months) & strong reserves.
Offered by private banks (UBS, Citi Private Bank, Goldman Sachs).

💡 Action Step: Post a carousel — “Got assets but low income? An asset-based loan could unlock homeownership.”

For physicians, dentists, lawyers, and high-earning professionals.

Programs: Bank of America, Truist, Fifth Third, etc.

💡 Action Step: Record a LinkedIn video — “New doctors & lawyers — here’s how special programs help you buy early in your career.”

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When you partner with eXp Realty + the Libertas Group, you unlock over $35,000 in tools, coaching, and support — at no cost to you.

Here’s just a glimpse of what’s included:

Plus: referral networks, masterminds, concierge onboarding, relocation & luxury divisions, live events, and more.

🔥 All-in, it’s a $35,000+ value — FREE when you join Libertas.

[Get the Details Here]

Certain FHA, VA, USDA loans can be assumed by a buyer.

Example: Seller’s $250K FHA at 3% → buyer assumes it, finances the rest separately.

Huge advantage in a high-rate market.

💡 Action Step: Add “Assumable loan potential” to flyers & posts — buyers love “keep the seller’s 3% mortgage.”

Transfer your low-rate mortgage to a new home.

Common in UK/Canada; rare in U.S.

Example: Port $300K loan @ 3.5% to new $400K home; finance extra $100K at today’s rate.

💡 Action Step: Instagram prompt — “Imagine keeping your 3.5% rate when you move — common in Canada & the UK!”

Knowing every mortgage option lets you guide clients with clarity — from 3.5%-down FHA buyers to $0-down veterans to private-bank clients. Expertise builds trust.

👉 Homework: Host a homebuyer or seller seminar (in-person, Facebook Live, or Zoom). Invite specialized lenders, record it, repurpose into reels, and use it for lead generation. Consistency here = more listings and closings later.

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