Is the Real Estate Business WORKING for you anymore? Consider ……

Why did you choose the real estate industry? To help a family find their dream home? To help a seller make the most money for the sale of their property? To bring a child to their new, most perfect dream room? Or maybe to make a TON of money for YOUR hard work?!
Most real estate professionals fail within the first few months of trying to create a business enterprise out of real estate. You are working your leads, marketing and advertising and spending your time and money chasing YOUR dream.
Just think about all the clients you are simply working with and then putting in your follow-up list. Or clients that you cannot help at this moment so you just leave them on the table. Or friends and family members you just set up on your social media feed so that you have the appearance of success.
Consider the fact that we are an organization that start with a useful marketing plan and actually have a well-organized effort to reach all the efforts on the plan. We are in the business of creating wealth, maintaining wealth and assisting in the preservation of wealth. If you are limiting your product availability with simply the real estate industry, then you are limiting your own growth. And you are limiting the growth of your clients.
Why not consider adding more to your product base.
What Do We Do?
 Mission #1
We create more financially independent families than any other business in history.
 Mission #2
We lead the consumer empowerment revolution.
 Mission #3
We do that by using a very seasoned Leadership Format System and hundreds of business partners in our office to assist us.

How Do We Do This?
 Mission #1
We sit down at the kitchen table of every American family and go through the Financial Needs Analysis which reveals a “roadmap” to reach their dreams & goals.

 Mission #2
Provide the family with the financial roadmap recommendation sheet in order to answer the following six of the major financial dilemmas:
 Cash flow: earn additional money and assist with the management of the increase.
 Debt Management: consolidate debt & strive to eliminate it.
 Emergency Fund: 3-6 months’ income & prepare for unexpected expenses.
 Appropriate Security: against any damage of income & assets of the family.
 Form Wealth: attempt to overtake inflation & cut taxes.
 Preserve Wealth: reduce taxation & build a family multi-generational legacy.

We here at Eclipse USA Financial Division are helping hundreds of clients with these new products and educational services and we are making a much more substantial amount of money than with simply real estate services. Real Estate agents in Georgia are struggling. We provide financial services as an addition to the real estate sales career. YOU CAN TOO!!

So in a nutshell, the real estate industry professional can provide much more than simply a limited amount of services. Added value to your clients……what true professional wouldn’t want to know more?
Call, text or email today for an appointment to know more.

Reggie Moon 404-606-9353 (direct)
Reggie@EclipseUSARealty.com

Sindy Moon 770-655-7726 (direct)
Sindy@EclipseUSARealty.com

Adding Financial Services

We are now helping clients with ALL their financial needs, not JUST real estate needs. More to come! Schedule an appointment today Call or text 404Eclipse (404-606-9353 or 770-655-7726).

HUD HOMES FOR $100 Down

Hello again. It’s Reggie Moon, Qualifying Broker with Eclipse USA Realty. Today I’m going to break down what it means to acquire a HUD house with $100 down. You hear it a lot, you see it on the HUD website, you see it all over the internet that you can acquire a HUD house for $100 down. Let me break it down for you. $100 is your down payment. The $100 down only applies if you’re an owner/occupant, and if you’re getting an FHA loan. You may say “What? $100 down and that’s it?” No. That’s not it. That is your down payment. It confuses people sometimes when we win the bid, and the next day I’m asking for $1,000 earnest money check, which I’ll talk about in a second.

Your down payment is what is required by FHA to get a home loan. Typical down payments for FHA loans are 3.5% of the sale price. So, if you have a $100,000 house, you’re going to pay $3,500 down as a down payment. If it’s a HUD house, and you’re going FHA it’s still the $3,500 , which is 3.5% of $100,000 instead of $3,500 it’s 100 down. That is your down payment. Now, HUD will pay up to 3% towards your closing costs. Let’s say your total closing costs are $5,000. In this example, HUD will pay $3,000 towards your closing costs. So, there’s still an extra $2,000 right? That gets added to what you have to bring to the table. So, as far as getting into the house, it’s not just the down payment. Although it’s a fantastic program, that’s not all you pay. You have to pay, as a buyer, closing costs that the seller is not paying. So, if your total closing costs for $5,000, and HUD is only going to pay $3,000 you get to pay the difference. So in real life a $100,000 house is $100 down, and about $2,000 in closing costs that you pay, then HUD will pay right at 3% ($3,000 in this example). To get into it, it’s more than $100. That’s just your down payment. There are closing costs that the seller (who is HUD) is not going to pay, and you have to pay that too.

The earnest money is different. The earnest money is contractual. It has nothing to do with the loan. If you win a bid, and it’s over $50,000 the next day if you win it you’ll need to write a check to HUD for $1,000. That is your earnest money, not to be confused with your down payment. Your down payment is part of a loan. The earnest money is part of the contract. You do get a credit back at closing for your earnest money that you paid. In this example, I said you would pay $2,100 to get into the house. If you put $1,000 down, at the closing you only have to bring $1,100 to close.
CALL OR CLICK 404.ECLIPSE.com. Or you can reach me direct at
404-606-9353.

What is the difference between Condo & Townhome

Hello again! It’s Reggie Moon, Qualifying Broker with Eclipse USA Realty. We get calls from buyers that think they are looking for a condo when really it’s a townhome, or vice versa. The biggest difference between them, is what do you actually own when you own EITHER.

Here are the basic differences. With a condominium you do not own the structure. You only own the air inside the four walls, the ceiling, and the floor. That’s what you own. You don’t own the building. You don’t own the grass outside, you don’t own the entrance, you don’t own anything to do with the exterior structure. Those things belong to the complex.
When you buy a townhome, it’s the same as buying a house except your neighbors are extremely close. Other differences involve financing. If you choose an FHA lender or loan program, know there is a rule that if the complex is more than 20% renters, you cannot buy in the complex. The complex management company has to fill out a form for the lender that confirms to the lender that at least 80% of the residences in the complex are owners.

So, that’s the difference between Condos and Townhomes. A Townhome may have a small yard in the front and back or maybe a courtyard. A Condo will share a common area with other condo owners. Keep in mind both usually have HOAs and both have limited parking. The newer models have a pool and are gated. Most of the older ones do not. Fore more information…….
CALL OR CLICK 404.ECLIPSE.com. Or you can reach me direct at
404-606-9353.