The document describes a Home Price Protection contract offered by EquityLock Financial that protects homeowners' equity if housing prices decline in their area. The contract entitles homeowners to a cash payment if the local house price index drops when they sell. Payments are based on the percentage decrease in the index multiplied by the original home value. The product is not insurance but a private contract that provides payments regardless of actual sale price. Premiums typically range from 1.5-3% of the home value.
Lots of members have questions about buying their first home and the mortgage process in general. Check out the tips we've put together to learn the basics to get on your way to your dream home!
There is an unprecedented number of foreclosures in Arizona. More homeowners than ever face the possibility that they will lose their homes because they are unable to pay their mortgage. The Arizona Foreclosure Coalition offers staff and resources to help homeowners find ways to keep their homes. This is a three-hour class taught by one of the nation’s leading consumer advocates/activists in the home retention arena. Help homeowners KEEP their homes and win referrals from those homeowners for many years! THIS CLASS IS NOT ABOUT HOW TO EARN INCOME WITH LOAN- MODIFICATION-FOR- MONEY-PROGRAMS. This class will teach real estate agents how to use legitimate outreach methods to help people save their homes, not get-rich-quick schemes that take advantage of distressed homeowners.
Lots of members have questions about buying their first home and the mortgage process in general. Check out the tips we've put together to learn the basics to get on your way to your dream home!
There is an unprecedented number of foreclosures in Arizona. More homeowners than ever face the possibility that they will lose their homes because they are unable to pay their mortgage. The Arizona Foreclosure Coalition offers staff and resources to help homeowners find ways to keep their homes. This is a three-hour class taught by one of the nation’s leading consumer advocates/activists in the home retention arena. Help homeowners KEEP their homes and win referrals from those homeowners for many years! THIS CLASS IS NOT ABOUT HOW TO EARN INCOME WITH LOAN- MODIFICATION-FOR- MONEY-PROGRAMS. This class will teach real estate agents how to use legitimate outreach methods to help people save their homes, not get-rich-quick schemes that take advantage of distressed homeowners.
High cash flowing properties with a plethora of steps taken to mitigate many of the risks typically associated with real estate investments. Ideal for Retirement accounts as an alternative to CD\'s at a much higher rate of return.
High cash flowing properties with a plethora of steps taken to mitigate many of the risks typically associated with real estate investments. Ideal for Retirement accounts as an alternative to CD\'s at a much higher rate of return.
• The $8,000 tax credit is available for first-time home buyers only.
• The law defines a first-time home buyer as a buyer who has not owned a home during the past three years. If you\'ve owned an investment property that was not your principle residence, you may still be eligible.
• All U.S. citizens who file taxes are eligible to participate in the program.
Oltersdorf Realty Home Buying Presentation, Leelanau, Grand Traverse, Travers...Oltersdorf Realty, LLC
Please take a moment to browse our detailed guide for homebuyers geared especially towards first time home buyers in the Traverse City region (Leelanau and Grand Traverse County). The combination of decreased home values, low interest rates, and federal incentives make this a very attractive time to purchase your first home or to be a move up buyer. Topics covered include: The current Traverse City real estate market, the buying process, buy vs. rent, tax incentives, home buyer credit, finding an agent, securing a loan, and protecting your investment. Please visit http://www.oltersdorf.com for additional information!
This is the course material for the first session of Investing in Real Estate Basics. The course is offered by Fairfax County Adult Education and presented by Mike Ford, President of The Model Home Look in Fairfax, VA.
16 Real Estate and High-Risk InvestmentsYOU MUST BE KIDDING, R.docxaulasnilda
16 Real Estate and High-Risk Investments
YOU MUST BE KIDDING, RIGHT?
Friends Nicholas Belisle and Joseph Sanders both have aggressive investment philosophies. Nicholas invests primarily in residential real estate, and Joseph invests in commodities futures contracts. As longtime investors, they consider themselves experts, but occasionally, each has experienced financial losses. What are the odds that the typical investor will make money investing in commodities futures contracts?
A. 50%
B. 30%
C. 20%
D. 10%
The answer is D. Ninety percent of individual investors in futures contracts lose money. Funds used for these investments should be only those that one can afford to lose!
LEARNING OBJECTIVES
After reading this chapter, you should be able to:
Demonstrate how you can make money investing in real estate.
Recognize how to take advantage of beneficial tax treatments in real estate investing.
Calculate the right price to pay for real estate and how to finance your purchase.
Assess the disadvantages of investing in real estate.
Summarize the risks and challenges of investing in the alternative investments of collectibles, precious metals, and gems.
Explain why options and futures are risky investments.
WHAT DO YOU RECOMMEND?
Britanny Day, a 37-year-old marketing manager for a large corporation in Long Beach, California, earns $110,000 per year. She saves an additional about $800 each month beyond her contributions to her employer's 401(k) retirement plan. Her total 401(k) holdings are worth $260,000.
Ever since her grandfather gave her some stocks as a child, Britanny has loved investing—and she has enjoyed a good track record with her efforts. Britanny is an active trader, often trading every three or four weeks, primarily in the oil, technology, and pharmaceutical prescription drug industries. Every year, she has some losses as well as gains. Her private portfolio is currently worth $160,000. Britanny has never bought or sold options or futures contracts, but her stockbroker suggested that she consider them. Britanny also has a friend who owns several residential rental properties that she bought when prices were low who has asked her to consider investing as her partner in her next real estate venture.
What do you recommend to Britanny on the subject of real estate and alternative investments regarding:
1. Investing in real estate?
2. Putting some of her money in an alternative investment, like a collectible or gold?
3. Investing in options and futures contracts?
YOUR NEXT FIVE YEARS
In the next five years, you can start achieving financial success by doing the following related to real estate and high-risk investments:
1.Before deciding to invest in real estate, carefully consider the disadvantages of such investments.
2.Invest only in real estate properties that have a positive cash flow.
3.Finance real estate investments with conventional mortgages, not mortgages with adjustable interest terms.
4.Use the price-to-rent ratio and di ...
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Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
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2. EquityLock Financial Home Price Protection TM is a revolutionary contract that protects a homeowners' equity in the event of a real estate market decline. With most investments, there are ways to hedge, or reduce the risk of loss. To date, nothing has ever been offered to protect homeowners in their number 1 investment.
3. A Home Price Protection Contract… is an agreement between a homeowner and EquityLock Financial that entitles the homeowner to a cash payment when their home is sold.
4. Home Price Protection… pays the owner upon resale of the property to the extent that a geographically-defined index of housing prices decreases from its level at the time the contract was first purchased .
5.
6. The EquityLock Home Price Protection contract is designed to be able to pay homeowners in a declining market whether one local market or the real estate markets on a national level are in decline.
7.
8. Below are a few examples of how Home Price Protection contracts would pay customers (or expire) in particular situations. Example In 2008, Mr. Jones purchases a home for $300,000 and an EquityLock Home Price Protection contract for $4,500. The local index at the time is 100. In 2011, Mr. Jones sells the home under one of the following potential scenarios: • Scenario A Mr. Jones sells the home for $350,000 and the local index in his area is 105. Mr. Jones sells him home for a profit and the Home Price Protection contract terminates with no value. • Scenario B Mr. Jones sells the home for $290,000 and the local index has fallen to 90. EquityLock Financial pays Mr. Jones $30,000 at the time of sale (the local index fell 10%; therefore a payment of 10% of the original purchase price is paid). • Scenario C Mr. Jones sells the home for $350,000 and the local index has fallen to 90. Mr. Jones receives a payment of $30,000, even though he did not lose money on the home. (The local index fell 10%; therefore, a payment of 10% of the original purchase price is paid.) Below is a table summarizing the previous scenarios:
9.
10. Premium Pricing: Contracts will be underwritten individually and typically priced between 1.5% and 3% of the home value. The average contract price is approximately 2%. Individual market characteristics will determine the contract price. Various factors impact the price of a contract, including prior home ownership history; employment history; family status; whether the home is the primary or secondary residence, owner occupied or not, etc. Geographic and market considerations are based on industry and our proprietary analysis of the market. In addition, there may be limits on how many Home Price Protection contracts EquityLock Financial will enter into in a specific area. Exclusion and Limitations: Coverage is effective 18 to 36 months after purchase (depending on geographic/market considerations) and continues for a period of 15 years. Homeowners will have the right to collect payment if they have paid the contract premium; they sell their home within a 15-year period and if on the day the home is sold the home’s area index is less than 100% of the value of the original agreement date. They may not collect a payment if the sale of the home was to a related party. How Home Price Protection Works…
