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Abstract

In the next few moments you're going to discover ...


"The Hidden Warning Signs To Watch For When You're Looking To Buy A
Home... And The Few Simple Questions You're NOT Asking That Could
Easily Save You $5,000 Even $10,000 Or More Off The Price Of The Home
You're Looking To Buy!"

Warning! Don't even think about buying a house
until you read this shocking confessional.

"For Decades, Greedy Home Sellers And Unscrupulous
Real Estate Agents Have Secretly Hoped This Day Would Never Come...That Home
Buyers Would Have The Advantage!"

"Right Now I Will SPILL THE BEANS, Tell You How To Get The House Buyers
Information You Need, Let You In On The Home Buying Questions You Should Be
Asking, And Show You Exactly
How To Beat Them At Their Own Game, Save A Fortune, And Make The Whole Buying
Process 100% Hassle Free!" Read On ..





From: Don Berthiaume
Professional Real Estate Appraiser


Dear Home Seeker,

Not reading this letter could cost you thousands of dollars. Here's
why: A few years back, two young couples were looking to buy a house in
the same town. Each couple was honest and hardworking, and thus, the
banks happily provided them with loans ...

Both couples researched the houses they wanted to buy (as best they
knew how) and went through real estate agents to ensure there were no
"hidden surprises". And a few months later, both couples were happy
home owners! Today, the two couples still live in those same houses.

But there's a BIG difference...
The first couple are desperately unhappy with
their house (it could happen to you!) Here's why ...

Within months of buying, they noticed "flying ants" coming through a
crack in the floor. An exterminator was called in and immediately
discovered massive termite infestation. Total cost to repair: $4800.

But the problems didn't stop there...

While checking underneath the house, he also discovered dangerous
"horizontal" cracks in the foundation. Other professionals were called
in. Total cost: $8400.

After only 4 months in the house, they
had already paid an extra $13,200!

So what about the second couple?

Believe it or not, they had absolutely no problems with their new
home.

None. Nada. Zippo.

Why the big difference? Is it because they got `lucky'?

Nope. In fact, the first time they looked at the house, they noticed a
number of things they didn't like. Things that would have cost them a
fortune later on.

But they knew the right questions to ask...the same questions that 95%
of homeowners DON'T know...and 100% of realtors and buyer's agents
don't want to answer! They knew the steps to home buying!

The result? The sellers and agent agreed to drop the listed price down
from $139,900 to just $127,000. And, on top of that, THE BUYERS WERE
PAID $3,810 at the closing!

That's A Whopping $16,710 Savings!

In case you're wondering, My wife and I are the second couple in this
story. And that same house that appraised for $135,000 then ($7,000
more than what we paid) is now worth around $375,000!


"Don't Even Think About Buying A
Home Without Reading This First ..."

"It will show you exactly which questions to ask and how to make sure
you're getting the right home, at the right price, and without any
surprises.

It gets my 110% approval!"

Jim Edwards, Author
"Selling Your Home Alone"
"The TEN Dirty Little Secrets Of Mortgage Financing"

How Did We Buy The House Of Our
Dreams For The Lowest Price Possible,
With Zero Hassles?

Because we didn't let the buyer's agents or realtors dictate how the
process went.

We didn't stand idly by while they led us down a path that would have
unknowingly put us in a bad situation. And we didn't fall for their
tricks.

WE were in control the entire time. And that
control got us exactly what we wanted!

Let me introduce myself... my name is Don Berthiaume and I've been
inspecting and appraising homes for more than 20 years.
If there's anything that I've been proud to say that I've accomplished
in those two decades, it's these 3 things:


I've seen almost every trick, shortcut, insider technique and
every rip-off attempt imaginable.

This puts me in a unique position where I can teach you things about
buying a house that you can't get anywhere else. Not from any website.
Not from any agent. And I never hold back... I tell you everything!

I've helped literally thousands of couples and families
successfully purchase the home of their dreams.

And in the next few moments, I'll show you how to save the maximum
amount of money on the purchase of your new home. And it doesn't
involve any bargaining or haggling with the seller or agent.

I've helped thousands of people save tens of thousands of
dollars of their hard earned money. I've helped them avoid making some
of the most costly mistakes of their lives.
And I'd like to do the same for you! But first, let's look at what
you've done so far in your search for a new home. In fact...

How Many Of These Home Buying
Mistakes Are You Making Right Now?
* Scouring the newspapers... circling properties in the "properties
for sale" section... looking for just the right house with the
right price tag for your budget...only to find that almost all of
them are either overpriced or just don't have what you're looking
for.
* Driving aimlessly around the neighborhood you'd like to live in...
visiting "open houses" ... waiting for the right house to "grab
you" and make you feel like "this is the one"...only to find out
your bids are too low or someone got in before you.
* Listening to so-called "experts" that lead you astray... leaving
you frustrated and confused about what's really involved in buying
a house safely, quickly and inexpensively.

Look, not knowing what you're doing when you buy a house can cost you
tens or even hundreds of thousands of dollars of YOUR hard earned
money.

There's a fine line between getting your dream home and ending up with
an expensive mortgage on a house that's been a complete nightmare from
the very start.

But you can avoid all of this happening to you.

Bottom line is: If you're stressed out over the whole home buying
process ... and you're looking for an easy, foolproof way to buy the
house you want at the price you want to pay for it -- without the
regular hassles -- then I've got some great news for you!

Introducing ...

"The Home Buyer Defense Guide"
Simple Strategies Every Person Should Know About How To
Buy The House Of Your Dreams At The Lowest Price Possible!



You're about to learn insider home buying tips and tricks that home
sellers and their agents would much prefer you didn't know about.

I've put everything I've learned in my 20 years of inspecting and
appraising homes into this easy-to-read e-book.

All the secrets, all the insider tips, everything you need to know to
get the best deal on your dream home WITHOUT getting the shaft is right
here, inside The Home Buyer's Defense Guide.

This e-book is packed with the answers to all your questions. Soon
you'll discover the secrets that only the real estate insiders know,
and be able to quickly and easily:

Find out what the house is really worth (and not the hugely
inflated price they might be asking for the house) and end up paying
the `fair price'.

Discover if the house contains any costly defects or flaws
(that are usually well hidden and could cost you tens of thousands of
dollars after the seller is long gone.

Reveal insider tactics for getting a very real 5% to maybe
even 10% (or more) discount on the purchase of your home...all 100%
legal and ethical.

How to find out if the neighborhood is REALLY safe and
quiet. Do you think the agent will tell you about a sex-offender that
lives nearby? Or about the murder next door? Or the fighter jets that
roar overhead in the middle of the night? Or the drug rehab clinic or
halfway house that exists (is planned or was recently approved) around
the corner? They won't. But my e-book reveals how to find all this
out--AND MORE-- in minutes.

How to choose a property that's destined to skyrocket in
value. Why leave it to chance? Know what to look for when you buy!

How to know the difference between price and value. Most
people have no clue. But my e-book reveals a secret way to find out
what the house is really worth - and not some price that the seller or
agent has beefed up (fail to learn this vital secret and you may pay
thousands more than you really should).

Learn what you should NEVER do or say during negotiations.
You'll learn my closely guarded techniques for "killer negotiation"
that turns beginners into absolute pros in a matter of minutes.

How to purchase BIG PROFIT properties at dirt-cheap prices.
This one tidbit alone will pay for the e-book many many times over!

Who you CAN'T trust when it comes to property investment
advice (there's only one type of person whose advice is pure gold - and
I'll tell you exactly who it is!)

Learn the fatal mistakes beginners make when selecting a
property to buy (this amazing piece of advice will save you load of
time when buying)

A little "insider" trick (it's totally legal) that can
significantly increase your chances of getting the home you want - even
if other home buyers submit offers higher than yours!

How to know immediately if the price the seller is asking is
too high... plus, 6 "must-ask" questions the seller has to answer
before you consider saying another word about buying the property. This
one trick alone could save you upwards of $2,000 to $10,000 off the
sale price.

4 critical things you must know but no real estate agent or
home seller will ever tell you about (not even the real estate agent
you contract to help you buy a house).

How to find out if everything about your future property is
legal. Don't get stuck "holding the bag" (it happens too often but it's
unnecessary.) I'll give you simple instructions to help you make sure
you don't fall victim to this "buyer beware" money trap before it's too
late.

The single biggest factor you need to consider when checking
for sources of possible unexpected future repairs. (I'm amazed at how
many people don't know this.)

How to find out the "real" facts about any updates,
remodeling or modifications to the home since it was last sold.
Miss this one simple step and you could find yourself in deep financial
hot water.

Powerful yet secret strategies for uncovering treasure
troves of important information hardly anyone knows about ...or ever
thinks to search for. You'll know more about a property than someone
who's lived there for ten years... even if they're the first and only
people to ever own the house!

Discover the very best sources for digging up useful
information about the house and neighborhood you're looking at... and
see how to quickly use it in your defence. (Leave this step out and you
could miss the vital truth about what's really lurking beneath the
roof, in the back yard, pool, or close by in the neighborhood.)

How to ask questions in a way that'll give you an immediate
"psychological edge" over the seller when doing your homework on a
house. (You'll find out more than any other home buyer looking at the
house... and the seller will actually appreciate your honest and
straight forward approach.)

The one vital skill that takes less than 2-minutes to learn...
and puts you in immediate control -- saving potentially thousands more
when making your offer.
It's super-easy to master (so easy even a nervous recluse could pull it
off.)

3 questions you must ask yourself every time you come across
something you're even slightly suspicious about. Although simple and
straight forward, they'll give you the protection you need against
costly mistakes that could lead to over-paying on the house or buying
the wrong house altogether.

How to make sure you don't buy at the wrong time in the real
estate cycle.
This is especially important if you intend buying with little or no
money down. You'll get steps to avoid this common money-trap and ways
to turn the hidden market fluctuations to your advantage - saving you
potentially thousands!!!

And That's Just The Tip Of The Iceberg!
Look At What Else You're Going To Learn ...

Where to find aerial maps that'll prove to be an invaluable
source of information for you when house hunting. Get a birds-eye view
of any neighborhood, and pinpoint the exact location of the home you
want to buy.

How to use the maps to check out the land use around the
home you want to buy, and the neighborhood in general. Identify areas
you should question as to what future development could occur so there
are no surprises later on.

How to verify the information you find out about a
property's history -- along with the past, current and future planned
changes to the neighborhood -- are accurate. I'll explain why "official
sources" can be wrong and how to guard against it!

How to quickly understand the one single (but critical)
difference between what the seller is selling and what you, the buyer,
are buying. (The right perspective puts you in a powerful position
where you'll see the deal in a whole new light. You'll easily side-step
all of the "emotional" mistakes made by less knowledgeable buyers.)

Simple things you can do to learn anything you want to know
about a neighborhood. It's important you know these upfront before you
move into the neighborhood that looks "award-winning" but is really the
neighborhood from hell!

The 2 golden rules to follow when you think you've found a
house, in order to get it for the absolute best price you can.

Why it's important you insist on talking with the seller when
discussing the property. Plus... the absolute MUST-TIMES to visit the
house you're thinking of buying.

How to know for sure if a neighborhood is right for you.

How to find the hidden "insider" information that barely 1
in 100 home buyers know about. Information that, even if you only get
it half right, can save you money, time, and embarrassment when buying
a house!




"Indispensable for Homebuyers!"

"This indispensable manual is for homebuyers (and sellers, so you are
ahead of any questions that can be thrown at you) the world over!

The same principles apply no matter where you are. For anyone
contemplating buying a house for the first time, and for the seasoned
investor, this manual is a MUST HAVE! It will avoid your unnecessary
expense in a completely wide range of areas.

Warren Hampton
Brisbane, Australia

With this information you'll be miles ahead of every other home buyer.

You'll be armed with the "real" insider property buying techniques home
sellers and people in the industry don't want you to know about.

You'll know all the tricks you need to save a bundle when you buy your
house! You can knock thousands off the purchase price and save
thousands more in future costs.

All you do is follow the simple, step-by-step directions and you can't
possibly make a mistake.

I've made it flat-out easy for you. This method is proven effective. It
comes directly out of the trenches where real money changes hands and
where dreams are made or lost daily on single real estate deals.

But if you're still on the fence about investing in my e-book. I
understand. You should be skeptical.

There's a lot of other "how to" books out there being marketed. And
most of them aren't worth the paper they're written on.

I know. Because I've read them.

So I want to "up the ante" and over deliver on my promise to give you
the absolute best home-buying guide out there today.

Order Your Copy Now, And I'll Give You 3 Bonus
Reports (Valued At $70) Absolutely FREE!

That's right. Order the "Home Buyer Defense Guide" today and you'll
receive 3 special gifts for FREE!

NOTE: These gifts are only available for a limited time. I reserve the
right to remove this offer at any time and without notice. So order
today to avoid disappointment.


Free Bonus Gift #1: (valued at $29.95!)

"The Educated Home Buyer"

There are 6 fundamental things hardly anyone knows about -- but you
really need to understand -- if you want to avoid getting ripped off
THE MINUTE you decide on the house you want to buy.

Here's what's inside the report:
Fundamental #1: You Must Know How To Negotiate With A Lender

It's possible for the loan officer to make more in commission than the
real estate agent does. I'll show you how to use that knowledge to your
advantage and save even more money off the cost of buying your house!

Fundamental #2: You Must Understand What Each Closing Cost Covers And
What A Reasonable $$ Amount Is For Each Cost

Now you can make sure you're not getting overcharged for needed
services at closing time... this report shows you how.

Fundamental #3: You Must Know How To Determine The Market Value Of Any
House Without Your Real Estate Agent's Help

A real estate agent can be an excellent source of help and in most
cases -- won't cost you a cent. But it's a big mistake to rely only on
your agent when deciding what to offer for the house.

I'll show you easy steps to arrive at an accurate and fair offer on any
house. Combine this with what you learn in the Home Buyer Defense Guide
and you've got a rock-solid plan of attack.

Fundamental #4: You Have To Be Aware Of The Hidden Motivations Your
Home Inspector Might Have - Motivations That Will Influence The Results
Of Their Report

I'll show you how to guarantee the valuation for the property you want
to buy is accurate... and not just done in a hurry... to help line the
house inspector's pockets!!!

Fundamental #5: You Must Know Exactly How A Lender Qualifies You For A
Mortgage

If you don't, you could end up paying a much higher interest rate than
you can really get - or worse yet, miss out on the home you want
because your loan application gets denied when it should be accepted.

I'll show you an easy way to make sure you don't stumble head-first
into this money draining trap. You get word-for-word scripts and
battle-plan tactics that are guaranteed to make sure you get the lowest
interest rate... and the bets term!

Fundamental #6: You Must Know Which Documents To Review At Closing And
What To Look For In Each

It's a sad fact, but many home buyers end up paying either too much
interest... or with very different mortgage loan terms than they
thought they'd agreed too! Why? Because they didn't know which
documents to pay close attention to at closing - and what parts of
those documents are the most crucial to cross-check.
Unfortunately, this is a common mistake; one you'll now avoid - making
it impossible for an unscrupulous lender or seller to catch you off
guard.




Free Gift #2: (valued at $24.95)

'My Personal Strategic Home
Buyer Defense Rolodex'

Filled with over 107 links to information sources that'll save you days
worth of work.

Instead of scrambling for where to start, where to go next and where to
end, a quick flick though the Strategic Home Buyer Defense Rolodex will
have you on the right track in minutes.
You'll find:

Real estate agents / Multiple Listing Services

Find the best realtors in your area that will work exclusively for you.
(They've got to be totally on your side and impartial to the sale to be
of any real use.)

Gain access to available Multiple Listing Services that will have 100's
of homes you can check out from the comfort of your own home - in your
pajamas - to help you decide what type of home is best for you.

Appraisals, Appraisers And Home Values

Learn about the appraisal process and what it means to you and how to
best use this knowledge to your advantage when negotiating with a
seller.

Tools and websites to help you determine the value of your home, or one
you're interested in buying, to learn if you're overpaying - or if the
home you want is a real bargain!

Home Inspection Information

How to make sure your home inspection is in the hands of a trusted
professional and not one who is just there to fill out a form and take
your money.

Finances, Credit and Calculators

Financial calculators you can use to make sure you're ready to take the
next step of home ownership.

Valuable information and worksheets for determining your credit status
and your FICO score.

Resources that show you how and what to do to effectively manage your
credit.

Remodelling & Repairs: Estimates, Cost And Return on
Investment

Discover how much of the cost of a remodelling project can be recovered
at resale. Determine if any remodelling to the house you want to buy
will be worth it to you - or should you have the seller pay.

Access to construction costs databases to provide you with the most
up-to-date remodelling and repair cost information so that some
unscrupulous contractor doesn't take you for a ride.

Important Home Planning Information

Many times, the living area listed for a home is incorrect. Learn how
to easily determine the accurate gross living area so that you're not
overpaying, or getting less house than is listed.

Don't get caught with a home that is too small for any of your
possessions. These design and planning information sources will see to
it that you can maintain a functional layout in your new home.

One of the first things you do in the home buying process is decide on
what style home you want. The architectural guide link provides
information on most home styles that you will find and will help you
determine which style best fits your needs and lifestyle.

Aerial Maps And Location Maps

These maps will prove to be an invaluable source of information for you
when house hunting. Get a birds-eye view of any neighborhood, and
pinpoint the exact location of the home you want to buy.

Commuting must be considered when purchasing a new home. Aerial maps
allow you to identify major traffic routes and give you a way to see if
there are any shortcuts.

Check out the land use around the home you want to buy, and the
neighborhood in general. Identify areas you should question as to what
future development could occur so there are no surprises later on.

Negotiation Tactics

Once you've learned all you can about the house you want to buy, these
links will provide you with the additional know-how you need to
negotiate the deal...saving $1,000's of dollars on the price of the
home.

Learn 8 important steps that will get you the house of your dreams, at
a price you'll be more than happy with!!!

Discover the best way to use the home inspection report for negotiating
the price of your next home - and pay only what YOU want to pay for the
property... including the condition you want it in.




Free Gift #3: (valued at $15.95)

Special Report:
"Confessions Of A Real
Estate Insider"

A candid, straight-forward look at what you can do if, after all your
homework is done, after you've presented your offer, after it's been
accepted - you get the appraisal done and it comes in below the
contract price - and you really want the home. (You will not find this
offered anywhere else...)
You'll discover how to:
* Determine if your offer is a reasonable and rational one or if
you're offering too much!
* How recent are the sales comparables? Were pending sales and
current listings also analyzed as part of the appraisal process?
* What if the appraiser was wrong? What if there's a mistake in the
facts that he or she used to arrive at the value they put on the
house? (Sometimes this can go in your favor - but it's not worth
taking the risk!)
* What type of appraisal was done on the home? Did the appraiser have
all the necessary information to arrive at a credible value? (Get
this right and you can unlock thousands of dollars worth of equity,
instantly!)

* Plus a real eye opener of a case study that can make or save you
thousands of dollars and help you avoid costly and potentially
embarrassing mistakes!


"Extremely Helpful and Beneficial!"

"The Home Buyer Defense Guide will be extremely helpful and beneficial
to my home buying process. The points that are addressed and the
questions Don suggests asking are very interesting; many of which I
would not have come up with or remembered to ask had I not read this
e-book."

Bassirou Ndao
Baltimore, MD

There are other similar books online with a list price of $125. I've
personally checked them out. And guess what? They don't offer even HALF
of what the `Home Buyer Defense Guide' does.

One thing is for sure - out of all the other so-called "home buying
guides" out there, none give you a full, step-by-step guide for buying
a house like mine does.

That's why I want to make it easy for EVERYONE to have the opportunity
to invest in my e-book by offering it for only [DEL: $57.00 :DEL]
$24.97. (special price for a limited time only.)

That's a mere drop in the bucket compared to everything you stand to
gain and save by getting your hands on these insider's secrets (which
you'll never see in a library, college or university because these
secrets are based on REAL experience - not theory).


You Can't Lose With Our 100%,
Iron-Clad Money Back Guarantee!

I'm so confident that you'll be thrilled with `The Home Buyer Defense
Guide' that I'm willing to put my money where my mouth is.
Try out every single one of my strategies and ideas FOR A FULL 3
MONTHS.

If you don't agree that ordering my product was one of the best
decisions you've ever made, every single cent you spent on this e-book
will be refunded in full.

NOT ONLY THAT: But to make sure you know that I am deadly serious about
this, I will insist that you keep the 3 bonus gifts below. It's my way
of saying "thank you" for giving my guide a try.

Could I possibly be any fairer than that?

Click here to download your copy now

Click on the link above and you'll gain instant electronic access to
this e-book and be reading it within 5 minutes. Which means, you can
purchase your dream home quicker and easier than before!

Take The Mystery Out Of Buying A House
And Save Yourself A Small FORTUNE
By Taking Action Now!

Think about it...

HOW MUCH MONEY WOULD YOU WASTE OR LOSE IN THE COMING MONTHS ALONE ...
without this insider knowledge?

Could it be in the high hundreds? The tens of thousands?

And how much could you waste once you buy your house if you don't get
it right? Probably 10 or 20 times what you'll invest in this course.

But for just $24.97--the price you'd pay for a decent dinner with your
family--you can make sure you're on top of your game and the savings
are practically in the bag.


"WOW! This information is definitely going
to be useful as I begin to do MY homework!

"I'm currently in the process of selling my existing home and have only
just begun to go through the Home Buyer Defense Guide. As I said, I can
tell right away that the information you've provided will give me the
tools I need and provide me with the expertise to be ready to buy my
next home.
I've also got to tell you that I'm hoping the buyer for my home hasn't
read your e-book yet!"
Dan Jakielski
Los Angeles, CA

You Won't Find This Street Savvy Information
In Any Book, Course Or Seminar!

Everything you're getting is 100% legal, moral and ethical... no
cheating, no breaking laws. Nothing to worry about and nothing left to
chance.

In fact, The Home Buyer Defense Guide can be used by anyone, rich or
poor, whether it's your first house or you fifth.

Listen, you don't have to be at the mercy of the seller, real estate
agents or mortgage lenders when you buy a home anymore.

There is no reason why you should ever be fooled into spending too
much, or why you should you find yourself losing your house and your
life savings just a few months down the track... all because you didn't
do your homework up front.

The Home Buyer Defense Guide Will Save You From
Making The Most Costly Mistakes Of Your Life!

Listen... for the past 21 years people have gladly paid me sometimes as
much as $500 to do an appraisal of their property, and I don't even
give them ONE-TENTH of the information I provide in the Home Buyer
Defense Guide.

So, not only do you get the extra benefit of having my 21 years
experience, you also get all the FREE bonuses... all in one place.

Take the advice in the "Home Buyer Defense Guide" and the amazing free
bonuses to heart. Be one of the smart buyers and take all the risk out
of buying your dream house.

I know you'll thank me for it later. And don't just do it for you. Do
it for your family and the people you love ... Because getting the
right house can change your life!

-
INSTANT ACCESS
Click here NOW to download your copy
It doesn't matter if it's 2:00am in the morning!

To Your Home Buying Success,


- Don Berthiaume
P.S. Still sceptical? I understand. And that's why you're covered by
our 90 day money back guarantee. So if you're not 100% satisfied with
the Home Buyer Defense Guide, then email me and I'll promptly refund
your money in full. No questions asked. It's more than just a guarantee
- it's my personal promise to you.
Click here now to download your copy


"Gain An Asset And Not A Money Pit!"

"This is a great e-book! Easy to read, practical and packed with the
kind of information any mindful home buyer should want to know before
making an offer. As a person in the house-buying business, I find Don's
advice and resources to be invaluable to anyone wanting to make sure
they gain an asset and not a money pit when they purchase a home."

Gail Chadwell,
Real Estate Investor, Denver, CO


"Thank You For the Wealth of Information!"

"I want to say that the Home Buyer Defense Guide is great. I learned so
much and have less anxiety about the home buying process. I really
appreciate the details that are provided in the Guide and all the bonus
information.

Thank you for the wealth of information!"

Derek Mungo,
Assistant City Attorney, Norfolk, VA

Click here now to download your copy



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House Buyers Information | Mortgage Tips | Steps To Home Buying
Home Buying Strategies

End of Abstract

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