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Terry Hammill
General Manager
He does it all. Keeps us legal. Handles Dan’s loans and sales. Oversees agents in Carlsbad, Mission Valley, and El Centro. And that’s just before breakfast! The man also holds a PhD in Molecular Biology. Whew! People like Terry are the secret behind The Atvantage Group.
760-607-9700 ext. 208
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 Gifts, Grants, Rebates, Discounts & Financing Opportunities
"Where to get the help you need to make the purchase of your next home really affordable."
The best home financing deal on the market... For Veterans Only.
Veterans have the best financing programs on the market. The ability to purchase homes with no money down, have the seller pay the closing costs, prepaid interest, insurance, taxes is known as a VA No-No. In addition to this benefit, the Veterans Administration will also allow the seller to pay up to 4% of the purchase price for personal bills, credit cards, installment loans, car loans, etc. This creates the opportunity for many to qualify for a home and generate a total monthly payment of less than they are paying in rent & a car loan, etc. And this is without factoring in the tax benefits or any cash benefits. For qualified first time home buyers it is possible to include the benefits of the CHAFA loan, detailed later in this report, to lower the interest rate.
The following is an example of how a home purchase could be structured to benefit the veteran.
Current Rent $900
Installment Debt $5,000 $4,000
Closing Costs $5,000 $4,000
Adjusted Sales Price $160,000 $110,000
Loan Pmt. $1067 $733
Taxes, Ins, etc. $200 $138
Total Mo. Pmt. $1,267 $871
Tax benefit -$317 -$218
Adj. Payment $950 $653
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