The document summarizes a private lending assistance network that helps investors provide financing to home buyers. It outlines the process where investors can purchase properties, have them professionally rehabbed and matched with qualified buyers. Investors can establish notes with the buyers and receive monthly payments. The program aims to provide investors with passive income and real estate exposure while helping buyers realize the dream of homeownership. Risks of real estate investing are acknowledged but the program claims to mitigate risks through their process.
This document summarizes a private lending assistance network that helps investors purchase and sell residential properties:
- The network assists potential homeowners by providing low down payment loans and helps investors generate passive income through monthly mortgage payments or resale of the properties.
- Investors can purchase properties through the network, which handles property selection, homebuyer qualification, note establishment, and exit strategies upon request.
- The network offers guarantees such as $400 per month in positive cash flow for the first 12 months on purchased properties.
Opportunity to earn great returns in a short time (in as little as 45 days). With as little as $5,000 we can turn that money into as much or more then $7,500. We have a system in place that folks like yourself can be in on the next upswing in the market by letting our professional team do all the work. You sit back and watch your money Grow. Enjoy the following presentation and call me for questions on how to get in this ground floor opportunity.
The document discusses upcoming changes to FHA loan requirements and guidelines. Key points include:
1) The monthly mortgage insurance premium for FHA loans will increase in October from a maximum of 0.55% annually to 0.90% annually, requiring more monthly income to qualify.
2) Maximum seller contributions will be reduced from 6% to 3% of the home's value, meaning buyers may need to provide more cash for closing.
3) FHA remains a good option for expanding the buyer pool, but agents must properly set expectations given the tightened guidelines to build trust and loyalty.
This document promotes trust deed investments as a high-yield, low-risk way to invest retirement funds. It claims trust deeds can offer returns as high as 13% compared to 3% from banks, with the investment secured by real estate. Minimum investments are $25,000. The company specializes in buying apartment complexes and loans investor funds to purchase properties, with the investment secured by the property deed. Projected returns over 5, 10, and 20 years are provided to demonstrate potential growth. Contact information is provided for those interested in learning more.
The housing market in central Indiana is improving, with existing home sales up 28% and pending sales up 13.1%. However, short sales are also increasing as the value of some homes has dropped below what is owed. A short sale occurs when the lender accepts less than the full amount owed on a mortgage. Banks will consider short sales if the borrower can prove hardship, such as unemployment, and submits documentation like tax returns, pay stubs, and a broker price opinion to determine the current value of the home. The short sale process involves bank review and may require approval from the pooling service that holds the loan.
This document discusses reasons homeowners may consider refinancing their mortgages, such as to cash out equity due to rising home values, consolidate debt, or remove an ex-spouse from the note after a divorce. However, it cautions that refinancing can be a bad idea if it costs more over the long run due to fees, and advises using a mortgage refinance calculator to determine if the potential savings outweigh the costs.
Today Home Solutions of America offers a principal reduction program and refinance for homeowners, purchasing mortgage notes at a discount and allowing homeowners to refinance with reduced principal. They package groups of performing and non-performing notes and sell them to banks. Homeowners can refinance into a new loan with 90% reduced principal and lower monthly payments. The process involves submitting loan and income documents for review.
This document summarizes a private lending assistance network that helps investors purchase and sell residential properties:
- The network assists potential homeowners by providing low down payment loans and helps investors generate passive income through monthly mortgage payments or resale of the properties.
- Investors can purchase properties through the network, which handles property selection, homebuyer qualification, note establishment, and exit strategies upon request.
- The network offers guarantees such as $400 per month in positive cash flow for the first 12 months on purchased properties.
Opportunity to earn great returns in a short time (in as little as 45 days). With as little as $5,000 we can turn that money into as much or more then $7,500. We have a system in place that folks like yourself can be in on the next upswing in the market by letting our professional team do all the work. You sit back and watch your money Grow. Enjoy the following presentation and call me for questions on how to get in this ground floor opportunity.
The document discusses upcoming changes to FHA loan requirements and guidelines. Key points include:
1) The monthly mortgage insurance premium for FHA loans will increase in October from a maximum of 0.55% annually to 0.90% annually, requiring more monthly income to qualify.
2) Maximum seller contributions will be reduced from 6% to 3% of the home's value, meaning buyers may need to provide more cash for closing.
3) FHA remains a good option for expanding the buyer pool, but agents must properly set expectations given the tightened guidelines to build trust and loyalty.
This document promotes trust deed investments as a high-yield, low-risk way to invest retirement funds. It claims trust deeds can offer returns as high as 13% compared to 3% from banks, with the investment secured by real estate. Minimum investments are $25,000. The company specializes in buying apartment complexes and loans investor funds to purchase properties, with the investment secured by the property deed. Projected returns over 5, 10, and 20 years are provided to demonstrate potential growth. Contact information is provided for those interested in learning more.
The housing market in central Indiana is improving, with existing home sales up 28% and pending sales up 13.1%. However, short sales are also increasing as the value of some homes has dropped below what is owed. A short sale occurs when the lender accepts less than the full amount owed on a mortgage. Banks will consider short sales if the borrower can prove hardship, such as unemployment, and submits documentation like tax returns, pay stubs, and a broker price opinion to determine the current value of the home. The short sale process involves bank review and may require approval from the pooling service that holds the loan.
This document discusses reasons homeowners may consider refinancing their mortgages, such as to cash out equity due to rising home values, consolidate debt, or remove an ex-spouse from the note after a divorce. However, it cautions that refinancing can be a bad idea if it costs more over the long run due to fees, and advises using a mortgage refinance calculator to determine if the potential savings outweigh the costs.
Today Home Solutions of America offers a principal reduction program and refinance for homeowners, purchasing mortgage notes at a discount and allowing homeowners to refinance with reduced principal. They package groups of performing and non-performing notes and sell them to banks. Homeowners can refinance into a new loan with 90% reduced principal and lower monthly payments. The process involves submitting loan and income documents for review.
This document discusses real property investing and outlines the potential costs, returns, and risks. It presents a hypothetical $300,000 home purchase with 20% down and a 4.0% interest rate. Over 15 years, the property is projected to increase in value from equity growth and appreciation. For example, the equity after 5 years could be $60,000 and $231,000 after 15 years. In contrast, the same initial $60,000 investment held in a high yield savings account over 15 years would only gain $27,000. The document also reviews interest rate history and projections, and how higher rates would reduce future affordability and returns.
Keep Your Home and Avoid Foreclosure or Short Salerandyvillaverde
The Guardian Group Funds works with homeowners that have negative equity in their home. Regardless if you owe more than your home is worth, if you are in foreclosure or bankruptcy, we can help. Please take a moment and view the PowerPoint to see an overview of our program.
This document contains information about saving and investment from an economics textbook chapter. It includes definitions of key terms like saving, investment, GDP, and loanable funds. It also presents some basic formulas for calculating GDP and the relationship between saving and investment. The document uses interactive multiple choice questions to test the reader's understanding of whether examples represent saving or investment. It demonstrates how a tax increase on investment income would reduce the supply of loanable funds, increase market interest rates, and lower the quantity of loanable funds available.
Use credit union home loan basics 2 28 12mullarkea
The document discusses the benefits of home ownership over renting, the importance of good credit for getting approved for a mortgage, and provides an overview of the steps in the home buying process including getting pre-qualified or pre-approved, different loan types, and working with a realtor to make an offer and go through the closing process.
There are several hidden costs involved with homeownership beyond the monthly mortgage payments. These include closing costs when finalizing the loan, annual property taxes, private mortgage insurance if the down payment is less than 20% of the home's value, homeowners insurance, costs for decorating the house, and future expenses for home maintenance and repairs. Homeowners must budget for all of these additional financial obligations.
Amy Harris is a real estate agent who offers concierge services to help guide clients through every step of the home buying or selling process and continues to be a resource for clients after the transaction. She has over 7 years of experience and has sold over 45 homes, with listings selling for an average of 25% over list price and 25% faster than average. Amy aims to personally ensure quality real estate transactions that meet client goals and assist clients with maintenance, market information, and tax issues regarding their home.
This document summarizes options for homeowners facing foreclosure, including working with lenders to modify loans or pursue alternatives like short sales. It outlines early warning signs of foreclosure like credit card debt or job loss. The key steps are acting quickly, prioritizing necessities, and avoiding scams while exploring options like forbearance, loan modifications, or short sales if underwater on your mortgage. The short sale process involves gathering financial documents and statements to present to the lender for their consideration.
The document provides information on various types of loans available from the Virginia Housing Development Authority (VHDA) for first-time homebuyers. It outlines the basic qualifications, including a maximum income of $97,500 for 1-2 persons or $112,950 for 3+ persons. The process involves three stages: preparation where applicants develop a spending plan and gather documents; pre-approval where credit is checked and an application is submitted; and approval where the loan is finalized if qualified. Key factors reviewed include credit score, loan-to-value ratio, and debt-to-income ratio.
This document discusses strategies for real estate transactions. It compares taking out a larger loan to cover closing costs versus keeping the loan smaller and using lender credits to pay costs. The document shows that by keeping the sales price lower and using lender credits, the buyer gains equity faster over time. In 20 months, they avoid paying an extra $7,500 and gain $7,100 in additional equity compared to raising the loan amount. The overall message is that keeping sales prices lower and using lender credits benefits both buyers and sellers.
The document discusses key factors to consider when deciding whether to rent or buy a home, such as location, budget, and timeline. It outlines some benefits of owning a home like anticipated appreciation, tax deductions, equity building, and pride of ownership. Conversely, it notes disadvantages of renting like being subject to a landlord's rules and potential rent increases. As an example, it calculates that buying a $280k home with a mortgage would effectively cost $185 per month less than renting, after accounting for tax savings and appreciation. Overall, the document provides an overview of financial considerations and resources for determining whether renting or buying makes most sense.
The document compares the financial considerations of renting versus buying a home. Key factors in the decision include location, anticipated length of stay, and budget. Buying a home offers tax benefits like deducting mortgage interest and property taxes. It also allows building equity over time as the home appreciates in value. However, buying requires a larger initial investment for a down payment and closing costs. The document uses an example in Centreville, VA to show how buying could save over $16,000 per year compared to renting after accounting for tax benefits and home appreciation. It provides resources for calculating the rent vs buy analysis and describes various loan programs like FHA that offer lower down payment options.
Tips for investing in positive cash flow propertiesNegative2Positive
If you focus on the fundamentals first, buy for cash flow. Empires are built on durable, long-term cash flows. Once you have that in place, go out and play.
This document contains details regarding a residential real estate listing that is under contract, including the address, parties involved (seller, listing agent, buyer, mortgage broker), key dates (inspection, appraisal), price, who pays closing costs, the closing company, various tasks to complete before and at closing (ordering inspections, title work, warranties), and commission details.
The Loan Estimate: This form will be provided to consumers within three business days after they submit a loan application. It replaces the early Truth in Lending statement and the Good Faith Estimate, and provides a summary of the key loan terms and estimated loan and closing costs. Consumers can use this new form to compare the costs and features of different loans.
The document summarizes key changes to estate planning under the American Taxpayer Relief Act of 2012, including an increased estate tax rate of 40% and applicable exclusion amount of $5,250,000. It warns that while fewer estates will face federal taxes, state estate taxes may still apply without planning. Portability allows spouses to maximize exclusions without trusts but has limitations. Income and capital gains tax planning is also important for trusts given higher tax rates. Charitable remainder trusts can help mitigate these taxes.
The document summarizes Sarah's baby shower that was held on September 12, 2009. It lists the games that were played which included guessing the number of jelly beans in jars and a poopy diaper guessing game. It describes the food that was served and lists the guests who attended, splitting them into tables of friends and family. It notes that Sarah received many gifts for her baby Landy and documents her opening the gifts while guests watched. Pictures were taken throughout the shower.
The solar ice maker operates in two modes: during the day, solar energy is used to generate liquid ammonia refrigerant, and during the night, the generator is cooled and ice is formed in the evaporator compartment as ammonia is reabsorbed to the generator. The solid-adsorption ice-maker consists of a solar collector, condenser/heat-exchanger, and evaporator refrigerator box. It works in two modes where during the day, sunshine heats the collector and desorbs methanol vapor to the evaporator, and at night the collector cools and the activated carbon adsorbs the methanol from the evaporator, using its evaporation to cool water trays and form ice.
There are two main methods for measuring distances along sloping ground: direct and indirect. The direct method divides the sloping ground into horizontal and vertical strips and adds the horizontal lengths. The indirect method uses a clinometer, hypotenusal allowances based on slope, or difference in elevation between points to calculate the horizontal distance from sloping distances. Specifically, a clinometer can measure slope and the horizontal component is calculated using cosine of the angle of slope.
The document discusses several technologies for solar-powered refrigeration and ice production. It describes how solar ice makers use solar energy to generate ammonia refrigerant during the day, then form ice at night when the generator cools. Another system uses activated carbon impregnated with methanol in a solar collector to adsorb vapor during the day, then desorb it at night to provide cooling in an evaporator and freeze water. A hybrid system is also presented that combines solar water heating with an adsorption refrigeration cycle to power a refrigerator.
This document discusses real property investing and outlines the potential costs, returns, and risks. It presents a hypothetical $300,000 home purchase with 20% down and a 4.0% interest rate. Over 15 years, the property is projected to increase in value from equity growth and appreciation. For example, the equity after 5 years could be $60,000 and $231,000 after 15 years. In contrast, the same initial $60,000 investment held in a high yield savings account over 15 years would only gain $27,000. The document also reviews interest rate history and projections, and how higher rates would reduce future affordability and returns.
Keep Your Home and Avoid Foreclosure or Short Salerandyvillaverde
The Guardian Group Funds works with homeowners that have negative equity in their home. Regardless if you owe more than your home is worth, if you are in foreclosure or bankruptcy, we can help. Please take a moment and view the PowerPoint to see an overview of our program.
This document contains information about saving and investment from an economics textbook chapter. It includes definitions of key terms like saving, investment, GDP, and loanable funds. It also presents some basic formulas for calculating GDP and the relationship between saving and investment. The document uses interactive multiple choice questions to test the reader's understanding of whether examples represent saving or investment. It demonstrates how a tax increase on investment income would reduce the supply of loanable funds, increase market interest rates, and lower the quantity of loanable funds available.
Use credit union home loan basics 2 28 12mullarkea
The document discusses the benefits of home ownership over renting, the importance of good credit for getting approved for a mortgage, and provides an overview of the steps in the home buying process including getting pre-qualified or pre-approved, different loan types, and working with a realtor to make an offer and go through the closing process.
There are several hidden costs involved with homeownership beyond the monthly mortgage payments. These include closing costs when finalizing the loan, annual property taxes, private mortgage insurance if the down payment is less than 20% of the home's value, homeowners insurance, costs for decorating the house, and future expenses for home maintenance and repairs. Homeowners must budget for all of these additional financial obligations.
Amy Harris is a real estate agent who offers concierge services to help guide clients through every step of the home buying or selling process and continues to be a resource for clients after the transaction. She has over 7 years of experience and has sold over 45 homes, with listings selling for an average of 25% over list price and 25% faster than average. Amy aims to personally ensure quality real estate transactions that meet client goals and assist clients with maintenance, market information, and tax issues regarding their home.
This document summarizes options for homeowners facing foreclosure, including working with lenders to modify loans or pursue alternatives like short sales. It outlines early warning signs of foreclosure like credit card debt or job loss. The key steps are acting quickly, prioritizing necessities, and avoiding scams while exploring options like forbearance, loan modifications, or short sales if underwater on your mortgage. The short sale process involves gathering financial documents and statements to present to the lender for their consideration.
The document provides information on various types of loans available from the Virginia Housing Development Authority (VHDA) for first-time homebuyers. It outlines the basic qualifications, including a maximum income of $97,500 for 1-2 persons or $112,950 for 3+ persons. The process involves three stages: preparation where applicants develop a spending plan and gather documents; pre-approval where credit is checked and an application is submitted; and approval where the loan is finalized if qualified. Key factors reviewed include credit score, loan-to-value ratio, and debt-to-income ratio.
This document discusses strategies for real estate transactions. It compares taking out a larger loan to cover closing costs versus keeping the loan smaller and using lender credits to pay costs. The document shows that by keeping the sales price lower and using lender credits, the buyer gains equity faster over time. In 20 months, they avoid paying an extra $7,500 and gain $7,100 in additional equity compared to raising the loan amount. The overall message is that keeping sales prices lower and using lender credits benefits both buyers and sellers.
The document discusses key factors to consider when deciding whether to rent or buy a home, such as location, budget, and timeline. It outlines some benefits of owning a home like anticipated appreciation, tax deductions, equity building, and pride of ownership. Conversely, it notes disadvantages of renting like being subject to a landlord's rules and potential rent increases. As an example, it calculates that buying a $280k home with a mortgage would effectively cost $185 per month less than renting, after accounting for tax savings and appreciation. Overall, the document provides an overview of financial considerations and resources for determining whether renting or buying makes most sense.
The document compares the financial considerations of renting versus buying a home. Key factors in the decision include location, anticipated length of stay, and budget. Buying a home offers tax benefits like deducting mortgage interest and property taxes. It also allows building equity over time as the home appreciates in value. However, buying requires a larger initial investment for a down payment and closing costs. The document uses an example in Centreville, VA to show how buying could save over $16,000 per year compared to renting after accounting for tax benefits and home appreciation. It provides resources for calculating the rent vs buy analysis and describes various loan programs like FHA that offer lower down payment options.
Tips for investing in positive cash flow propertiesNegative2Positive
If you focus on the fundamentals first, buy for cash flow. Empires are built on durable, long-term cash flows. Once you have that in place, go out and play.
This document contains details regarding a residential real estate listing that is under contract, including the address, parties involved (seller, listing agent, buyer, mortgage broker), key dates (inspection, appraisal), price, who pays closing costs, the closing company, various tasks to complete before and at closing (ordering inspections, title work, warranties), and commission details.
The Loan Estimate: This form will be provided to consumers within three business days after they submit a loan application. It replaces the early Truth in Lending statement and the Good Faith Estimate, and provides a summary of the key loan terms and estimated loan and closing costs. Consumers can use this new form to compare the costs and features of different loans.
The document summarizes key changes to estate planning under the American Taxpayer Relief Act of 2012, including an increased estate tax rate of 40% and applicable exclusion amount of $5,250,000. It warns that while fewer estates will face federal taxes, state estate taxes may still apply without planning. Portability allows spouses to maximize exclusions without trusts but has limitations. Income and capital gains tax planning is also important for trusts given higher tax rates. Charitable remainder trusts can help mitigate these taxes.
The document summarizes Sarah's baby shower that was held on September 12, 2009. It lists the games that were played which included guessing the number of jelly beans in jars and a poopy diaper guessing game. It describes the food that was served and lists the guests who attended, splitting them into tables of friends and family. It notes that Sarah received many gifts for her baby Landy and documents her opening the gifts while guests watched. Pictures were taken throughout the shower.
The solar ice maker operates in two modes: during the day, solar energy is used to generate liquid ammonia refrigerant, and during the night, the generator is cooled and ice is formed in the evaporator compartment as ammonia is reabsorbed to the generator. The solid-adsorption ice-maker consists of a solar collector, condenser/heat-exchanger, and evaporator refrigerator box. It works in two modes where during the day, sunshine heats the collector and desorbs methanol vapor to the evaporator, and at night the collector cools and the activated carbon adsorbs the methanol from the evaporator, using its evaporation to cool water trays and form ice.
There are two main methods for measuring distances along sloping ground: direct and indirect. The direct method divides the sloping ground into horizontal and vertical strips and adds the horizontal lengths. The indirect method uses a clinometer, hypotenusal allowances based on slope, or difference in elevation between points to calculate the horizontal distance from sloping distances. Specifically, a clinometer can measure slope and the horizontal component is calculated using cosine of the angle of slope.
The document discusses several technologies for solar-powered refrigeration and ice production. It describes how solar ice makers use solar energy to generate ammonia refrigerant during the day, then form ice at night when the generator cools. Another system uses activated carbon impregnated with methanol in a solar collector to adsorb vapor during the day, then desorb it at night to provide cooling in an evaporator and freeze water. A hybrid system is also presented that combines solar water heating with an adsorption refrigeration cycle to power a refrigerator.
The document discusses the importance of drinking water and the disadvantages of drinking other beverages like soda and coffee. It states that these other drinks can cause dehydration by pulling water from the body. Some consequences of not drinking enough water include headaches, dizziness, and dry mouth. The document provides tips for increasing water intake, such as drinking water with meals instead of other drinks. It also lists advantages of drinking water like improved skin health, weight control, and increased energy.
A l'annonce de la catastrophe à Haiti, les médias, particulièrement Internet et le Mobile ont mis en place différents dispositifs pour venir en aide à ce pays ....
What is Emotional Intelligence. How to develop your Emotional Intelligence.
Presentation made by Philippe Grall, Executive Coach & Trainer.
President of Equilibre Inc.
www.e-quilibre.jp
Comprendre sa communaute et concevoir son propre reseau socialRomain CLÉRET
Les médias sociaux ont révolutionné la manière de s’informer, de communiquer et d’échanger des consommateurs. Pour bien appréhender ces évolutions, les marques tentent de se réinventer en mettant en place de nouvelles stratégies communautaires.
Dans ce contexte, les communautés de marque ont une importance déterminante. En initiant le lancement de plateformes communautaires dont elles sont propriétaires, les marques gagnent en indépendance vis à vis des réseaux sociaux traditionnels. Et elles s'ouvrent de nouvelles possibilités pour atteindre leurs objectifs marketing.
Alors quels avantages pour les marques de disposer de leur propre communauté virtuelle ? Comment s'y prendre pour tirer parti de ce potentiel communautaire ? Et quels sont les erreurs à éviter ? Petit tour d'horizon de ce qu'il faut savoir pour réussir le lancement et la gestion de sa plateforme communautaire.
Pack photo composé de deux ateliers - 3 et 4 octobre 2016 à l'Office de Tourisme de Royan :
Faire rêver, séduire, donner envie à travers l’image (Conseils et astuces de prise de vue, mise en scène de l’action, du décor,… utilisation d’outils de retouche et de partage notamment Instagram.
Immersion photo - Mise en pratique
The Private Lender Assistance Network (P.L.A.N.) connects private investors with potential homeowners by acquiring foreclosed properties, making repairs, and finding buyers to whom the investor can then rent the property and collect monthly mortgage payments. The process involves the investor providing funds, receiving information on a selected property, approving or declining the property, marketing and selling the property to a buyer, and then passively collecting rent payments while various exit strategies are available after several years.
The document provides information about an investment opportunity in real estate properties being resold by REO Reseller, Inc. It outlines the risks and lack of guarantees associated with real estate investments. It then describes REO Reseller's mission to help rebuild communities hardest hit by the real estate downturn by joining investors with families needing homes. Details are provided about cash flow potential, returns on investment, and the turn-key management system whereby REO Reseller handles all aspects of purchasing, repairs, renting, and reselling properties.
Low maintenance,Low risk,High ROI, in as little as 45 days or less. What more do you want from your money? Check out this quick presentation and give me a ring with any questions.
This document summarizes a private mortgage investment program being presented by Jackson's Properties/Rockview Properties, LLC. The program offers high-yield 1st and 2nd mortgage investments in residential real estate secured by property liens. Investors can earn 6-8% interest on mortgage loans used to purchase, rehabilitate, and rent or resell properties. The company manages over a dozen rental properties and aims to grow its portfolio while providing affordable housing. Questions from potential investors are invited.
The document summarizes the current state of Canada's housing market. It reports that home sales increased slightly in August after declining earlier in the year. Home prices remained stable on a year-over-year basis, with increases seen in most markets. The housing market is considered balanced, with new listings adjusting to demand. Mortgage rates remained low despite recent interest rate hikes by the Bank of Canada.
Family Housing Investments offers private investors opportunities to provide short-term financing for real estate acquisition and renovation projects. Investors can earn monthly interest payments and annual returns of 14% by lending funds to purchase and renovate distressed properties, which Family Housing Investments then sells for a profit. The document provides an example of a $50,000 loan used to purchase a home for $39,500, renovate it, then sell it for a $6,000 return within one year. Investors are protected by recorded deeds of trust and property insurance. Contact Owen Ott for more information on available lending opportunities.
The housing market recovery slowed in July after the homebuyer tax credit expired, with home sales falling below year-ago levels for the first time in 14 months. However, home prices remained stable and mortgage rates set new record lows, maintaining historically high affordability. The job market and economy recovery remained concerns. New financial reform laws aimed to strengthen consumer protections for mortgages and credit reporting.
- Home sales fell below year-ago levels for the first time in 14 months due to the expiration of the federal tax credit, while home prices remained stable. Mortgage rates continued setting new record lows.
- The new financial reform law establishes new regulations for mortgages, credit reports, credit/debit cards, and creates a Consumer Financial Protection Bureau to regulate consumer loans.
- Buying a home with a 15-year mortgage allows buyers to build equity faster by paying off the loan sooner compared to a 30-year loan. Local lenders may offer more competitive rates than large banks.
This Month in Real Estate PowerPoint for U.S. Market - September 2010Keller Williams Careers
- Home sales fell below year-ago levels for the first time in 14 months due to the expiration of the federal tax credit, while home prices remained stable. Mortgage rates continued setting new record lows.
- The new financial reform law establishes new regulations for mortgages and credit cards intended to protect consumers.
- Buying a home with a 15-year mortgage allows buyers to build equity faster by paying off the loan sooner compared to a 30-year loan.
- Home sales fell below year-ago levels for the first time in 14 months due to the expiration of the federal tax credit, though prices remained stable. Mortgage rates set new record lows.
- The new financial reform law establishes new regulations for mortgages, credit reports, credit/debit cards, and creates a Consumer Financial Protection Bureau.
- Buying a home with a 15-year mortgage allows buyers to build equity faster by paying off the loan sooner. Local lenders may offer more competitive rates than large banks.
The document provides steps for buying a new home including determining a budget, getting pre-approved for a mortgage, deciding on a mortgage type, making an offer, and closing on the purchase. Key steps are getting pre-approved, which makes a buyer more attractive than just being pre-qualified; considering factors like neighborhood, school system, and transportation when choosing a home; and using an agent's access to listings and neighborhood resources to find the perfect property to make an offer on.
The document provides steps for buying a new home including determining a budget, getting pre-approved for a mortgage, deciding on a mortgage type, making an offer, and closing on the purchase. Key steps are getting pre-approved, which makes a buyer more attractive than just being pre-qualified; considering factors like neighborhood, school system, and transportation when choosing a home; and using an agent's online tools and expertise to find the right property and complete the purchase.
- Canada's housing market is stabilizing with home sales and prices falling back in line with historical trends. The Canadian economy remains strong compared to other major economies.
- While mortgage rates fell in August, rates are expected to increase going forward to keep inflation in check as the economic recovery takes hold.
- Canadians purchased more property in the United States than any other country in the past year, with many buying in warmer states like Florida and Arizona that have lower home prices.
The document describes the Listing Edge program from Wells Fargo Home Mortgage. The program aims to help real estate agents gain greater exposure, increase their buyer pool, and differentiate themselves through special financing options and marketing support from Wells Fargo. The program offers FLEX/FIXED financing, which offers lower initial monthly payments through temporary interest rate discounts. This helps listings attract more buyers and preserve asking prices. The program also provides co-branded marketing materials and connects agents to potential buyers and sellers through Wells Fargo's large customer base.
Step by step process to buying a home. Everything you need to know from making the offer, to getting the proper inspections, the paperwork, and closing process.
Mike Hall
Http://www.myohiohouse.com
614-937-4162
This document provides an overview of REI Capital LLC, a private real estate investment fund. The fund is managed by experienced real estate investors Bob Malecki and Wendy Ceccherelli. They acquire undervalued residential and multifamily properties in growth markets, renovate them, and generate returns for investors. The fund seeks $5 million in capital with a 12-month minimum commitment. It aims to provide preferred returns to investors and distribute equity gains after expenses. The managers' experience and network allow them to thoroughly evaluate investment opportunities.
Emerge Financial Advisors has developed a principal balance reduction program to help homeowners who owe more on their mortgage than their home is worth. The program works by bundling underwater mortgages and negotiating with banks to purchase the notes at a discount. This allows the principal to be reduced to the current market value, lowering homeowners' monthly payments significantly and allowing them to stay in their homes. To qualify, homeowners must have income, be behind on payments, and have mortgage debt that can be reduced to 31% or less of income. The program aims to disrupt the downward housing cycle while helping homeowners rebuild their finances.
Tag Young Professionals - Merrill Lynch PresentationMelanie Brandt
The document provides an overview of strategies for achieving a healthy financial life, including budgeting, investing, retirement savings, and financing a home. It discusses developing a budget and paying down high-interest debt. It also covers topics like buying vs renting a home, creating an investment portfolio based on goals and risk tolerance, saving for retirement through vehicles like 401ks and IRAs, and tips for young investors like starting to save early.
Bob Malecki and Wendy Ceccherelli are managing partners of REI Capital LLC, a private real estate investment fund. REI Capital acquires and repositions residential and multifamily real estate assets in growth markets throughout the US to generate returns for investors. The presentation provided an overview of REI Capital's investment strategies, target markets, due diligence process, sample investment projects and returns, and how investors can participate in the $5 million capital fund with preferred returns and equity distributions.
The document summarizes a presentation given at a home ownership fair about mortgages and refinancing. It discusses the speakers and organization hosting the event, provides an overview of current mortgage options and challenges, and offers tips for home buyers and those seeking to refinance. Key points covered include understanding conventional, FHA, VA, and USDA loan programs, the role of mortgage-backed securities, factors affecting credit approval like income, assets, credit history, and debt-to-income ratios, and why current market conditions make it a good time to buy a home.
American Homeowner Preservation Series 2014B Unlevered Equity OfferingJorge Newbery
American Homeowner Preservation (AHP) offers socially responsible high-yield distressed mortgage investments. Investor funds are pooled to purchase pools of troubled mortgages from banks at big discounts. AHP then offers sustainable solutions for homeowners to stay in their homes with reduced payments and discounted principal. If families do not want to stay in their homes or homes are already vacant, AHP offers cash incentives to cooperate with Deeds in Lieu of Foreclosure in order to promptly return vacant homes to service and mitigate blight in communities across America.
website: ahpinvest.com
American Homeowner Preservation Series 2014B Unlevered Equity Offering
Acic $35 K Plan
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2. “ Helping Facilitate Homeownership through Private Investor Lending” Become the Bank. ™
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4. Sign 2 Documents and Wire Funds You Receive a Property Package Investor Accepts or Declines Property You are matched with a Qualified Home Buyer Become the Bank. ™ Establish Note through our Buyer’s Program Accept Decline
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7. Sign 2 Documents and Wire Funds You Receive a Property Package Investor Accepts or Declines Property Accept Decline When Property is Accepted, we quickly move onto the next step and a Confirmation Letter is sent to You Accept If Property is Declined, You are reassigned a new property based on availability, possibly requiring 2-4 weeks between reassignment. Decline
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9. Sign 2 Documents and Wire Funds You Receive a Property Package Investor Accepts or Declines Property You are matched with a Qualified Home Buyer Establish Note through our Buyer’s Program Accept Decline Reverse Engineer the Note and Create the Value!!
10. Become the Bank ™ Reverse Engineering Sales Price Immediate Equity Gains Through Note Value ” Own this home for $500 down & $____per month”and SELL the property for you …Retail! Land Contract: 1 st Trust Deed Mortgage Market Rent / House Payment Interest (P & I) Term Property Sales Price $400 10% 30 Years $45,500 $500 10% 30 Years $57,000 $600 10% 30 Years $68,300
11. Sign 2 Documents and Wire Funds You Receive a Property Package Investor Accepts or Declines Property You are matched with a Qualified Home Buyer Become the Bank. ™ Establish Note through our Buyer’s Program Accept Decline
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Editor's Notes
The Private Lender Assistance Network is the system that helps facilitate homeownership through Private Investor Lending. Tonight I am going to show you how you can get superior returns, help others, and reduce investment risk all with our 100% proven managed system.
The Private Lender Assistance Network, or PLAN, allows investors to Become the Bank and profit from helping others. Through the PLAN system, investors are able to Assist Potential Homeowners in realizing the American Dream Help stimulate the economy through liquidation of excess inventory Create long-term passive Cashflow Realize superior returns on investment And Mitigate the overall investment risk typically associated with traditional real estate investing
So the question is…how does the PLAN system work? Let’s take a look at the steps… First, an investor signs the appropriate agreements and wires funds to begin the process Then the investor is assigned one of our ‘hand-picked’ properties and receives complete details in our Property Package. After reviewing all of the information found in our Property Package, the investor then has the opportunity to accept or decline the home based upon their preferences. Next, our system matches you with a qualified buyer to immediately purchase the home We establish a mortgage note between you and the new Buyer And you sit back and collect the Cashflow by Becoming the bank!
The first step in the process is to sign the 3 documents and wire funds to begin the process. Once funds and documents are received, you will receive confirmation letters every step of the way to ensure that you stay up to date on the process of your investment.
The next step in the process is when the investor is assigned a hand selected investor quality home. Because we research the areas, physically look at and attend to every home in our inventory, and only purchase the homes that fit our criteria, we give you a complete property package with all of the details used in our decision making process including: Pictures of Your new Property Demographics and area information Full Property Analysis with Rental Comparables, Home price comparables, county assessor information and more. We also guarantee that every single property in our inventory has been hand selected according to our stringent buying standards
After a home has been assigned and the investor has reviewed the property information, the investor then has the opportunity to either accept or decline the home. Because we hand select every property to ensure you are receiving top quality, nearly every investor accepts the opportunity; however you are still in control and have the option. Investors should be aware though that if they do decline the property there could be a 2-4 week reassignment process meaning no income during that period.
Quickly after you accept your home, our crews get to work on finding you a qualified buyer to purchase it. Our in-house staff will: answer all calls from our various marketing efforts collect and review all applications Completely review credit applications, background checks and income verifications to ensure that you are receiving the most qualified and responsible buyer available. And our review committee will accept the buyer and create a mortgage note for you using our proven system.
Once we find the best buyer available for your property, we will create the mortgage note at no cost to you and sell the property with no additional sales commission.
By using local market rents we can reverse engineer the sales price of the property and create the value, rather than have the suppressed market dictate what you can sell it for. Let’s take a look at an example: For instance, if you have a neighborhood that can support a $500 per month rental payment, than it should overwhelmingly support a $500 per month mortgage payment. Who wouldn’t rather be an owner than a renter? Taking that $500 per month payment and amortizing it over 30 years at 10% interest rate, would yield us a retail sales price of approximately $57,000. What that means is you can immediately sell the property for $57,000 due to what the market can support for a mortgage price. We market the property, qualify the buyer and create the note on a 1 st Trust Deed Land Contract. A land contract means that the property remains deeded to you! Obviously for this to work out tremendously in your favor you have to purchase the property below the $57,000 price, but we’ll get to that…
The final step is what it’s all about, because all you do is sit back, relax and become the bank. No worries about late night phone calls from renters about the toilet backing up or noisy neighbors No worries about expenses like property taxes, insurance, utilities, yard maintenance and all the other hassles that go with being a landlord And finally No worries about repairs, property tax hikes, HOA fees or the like. These are all the responsibility of the Buyer and all included in our 100% fully managed system
OK let’s quickly review all of the benefits you receive, at wholesale pricing I might add, through the Private Lender Assistance Network. With every P.L.A.N. home you get… A Guaranteed “Hand-Picked” Investor quality home Free and Clear Title with Title Insurance included All Closing Costs included Our extensive market research including our considerable time and energy All repairs needed to make the property livable and saleable You receive comprehensive Marketing for your property to find a qualified buyer We will collect and review all Credit checks, background checks, and income verifications We will Create the mortgage note at no additional fee and sell home for you with no sales commission whatsoever. We also have Mortgage Management available to you if you choose to have us service your loan We can help provide exit strategies upon your request And we are able to accept all 401(k) and IRA funds straight into your retirement! All of this included in our complete 100% managed system, with absolutely no work for you! And all for the wholesale price of just $34,900! $34,900 for everything, not just the home but the complete system. Everything described above. But what if we did even better? What if we not only supplied you with one of the most comprehensive investment opportunities in the US today, but were so confident in our system, that we guaranteed your return on investment for the first 12 months?
Yes, that’s right. Our Exclusive PLAN Investor Guarantee means that you will get the first 12 months of income…Guaranteed! No waiting for us to find the perfect buyer for your property, we will begin paying you a return immediately. Our immediate Cashflow means that you receive income right away and realize a higher return on investment for the first year. This means even less risk to our already passive income generator. But we’ll even go one step further and pay all of the forward property taxes in the first year too… meaning that you have virtually no holding costs and no risk for the first 12 months. Everything you see here included in our $34,900 pricing…
OK we’ve discussed the incredible income and equity gains by investing in the Private Lender Assistance Network, but what about the exit strategies? Our system has been set up to provide every investor with options for their future. Yet with every investment you want to know how and when you can exit from the investment and either buy another one or find the next incredible opportunity. Let’s quickly look at the exit strategies and determine what is best for you. The first strategy is to hold the note. You’ve created a long term passive mortgage note that you can collect on for the life of the contract. Hold the note indefinitely and realize double digit returns on investment year after year… Next, the buyer may refinance. Because we work so hard to find the perfect buyer for your home, we also help them to fix credit, manage income and eventually refinance through a traditional lender. This exit strategy means that you realize huge equity gains through the sale of the mortgage note. Another viable exit strategy is to sell your performing note. Generally after a 12 to 18 month seasoning on the note, you can sell that asset off to another investor. The note buyer will typically command a price discount, but the returns are still fantastic because of the passive income and the equity gains on the sale of the note. Although we feel our home buyer program generates the least amount of risk and returns the most benefit for your portfolio and the communities we invest in, you may have another exit strategy in mind that you may want to do. After all this is your house…free and clear. Additional exit strategies can include renting out the property, doing a lease option, or fixing and flipping the property to another investor. The best part of this strategy is that the ‘fix’ portion of the fix and flip is done for you and included in the $34,900 PLAN price.
The other great aspect of this investment is that we can accept qualified funds, so now your 401K and IRA funds that have been bleeding money away, can now immediately start growing again at 14-20% annually. Let’s take a look at some recent headlines regarding retirement funds…<read from screen> This essentially means that investors were throwing their money into a losing proposition. And finally Albert Einstein says… Why continue to feed a negative investment, when you have the opportunity to see guaranteed returns this year and also help families in the process. When is the last time you could say that about any opportunity really?
Let’s go over how you can quickly get into the PLAN system. Because we ‘cherry pick’ each and every home, we spend a lot of time and energy working to make sure that our homes meet our standards. This means that all of our homes come on a first-come, first-served basis. To become part of the P.L.A.N. system and help a family today, please immediately contact the ACIC representative that invited you to this webinar. If you were not invited by one of our reps, you can either call our hotline at (702) 835-6951 or email us at [email_address] . Also, don’t forget to mention our special offers including the opportunity to receive a free PLAN home or receive a free LLC or S-Corp I would like to thank everyone for being on tonight’s webinar and hope that you take advantage of this incredible opportunity. Thank you and goodnight!