Credit scores in the United States have been declining, with over 40 million Americans now having credit scores below 600. Conventional loans have become increasingly difficult to obtain for those with less than perfect credit or insufficient down payments. It is estimated that 35-40% of Americans now have credit scores below 640, meaning about half the population may not qualify for institutional financing. This poses problems both for individuals seeking loans and for the broader housing market and economy. The document discusses alternative financing options such as lease-purchase agreements, all-inclusive trust deeds, and contracts for deed as potential solutions to help more people participate in the housing market.

1. The Market Has Shifted

2. Credit Scores Are Going Down Credit Criteria Is Going Up “ July 12th of 2010 the Wall Street Journal reported that 43 million Americans had credit scores of 599 or below – 25.5% of adults”

3. March ‘08 – 1 st time ever - 580 is the new minimum then… - 620 by January of 2009 then… - 640 by November 2010 - 660 by……….?

4. Conventional Has Punitive Pricing For Everything Less Than Perfect Credit and a Large Down Payment

5. There Are Estimates That 35-40% of Credit Reports Are Below 640

6. What About the Self Employed That Have Good Credit But Cannot Get A Loan

7. Which Means About 50 % Do Not Qualify For Institutional Financing

8. If 10% Cannot Get A Loan That’s The Buyer’s Problem

9. When 50% Cannot Get A Loan It Is Everybody’s Problem

10. So You Have Three Options Get Out of the Business Prospect Sooooo Much You Have Enough People Learn To Do Business In Today’s Market

11. Alternative Financing Options 3 unique ways to structure a transaction Lease option All-inclusive Trust Deed aka Wrap around mortgage and What’s that 3 rd option???

12. Contract for Deed (comes with an instruction manual from FHA no less) Ever heard of it?

13. Identify The Problem Map A Solution

14. Enroll Buyers in Credit Restoration

15. Coming March 3 rd 2011 To A Computer Screen Near You

16. Sign Up Below