Stop letting high interest rates price you out. This step-by-step eBook shows you how to legally take over an existing mortgage under 4 %, so you can finally afford a home—no bank approval, no risky shortcuts.

Written in plain English, Buy Your First Home Without a Bank walks you through every stage of a compliance-safe “subject-to” purchase: finding willing sellers, working with a title company, closing through a transaction coordinator, and setting up third-party servicing so payments stay current.

Inside you’ll find: • A Contract-to-Close Checklist that keeps you organized from offer to recorded deed. • Email & call scripts for sellers, wholesalers, title companies, and servicers. • A Deal-Finding Guide showing exactly where to locate sub-4 % opportunities. • A real Purchase & Sale Agreement (PSA) and HUD-1 Settlement Statement from an actual Las Vegas deal—decoded line-by-line in plain English.

Whether you’re a renter, young couple, or first-time buyer, this book gives you the confidence to own your home now—without begging banks or waiting for rates to drop.

Own the home you love – legally, affordably, and today.