Real Estate Stuff: December 2008

Wednesday, December 31, 2008

FW: Keller Williams' $1.5 Million REO Agent Spills the Beans

Keller Williams' $1.5 Million REO Agent Spills the Beans

Hey,
You know, I've been talking about short sales until
I'm blue in the face. And I received a call two months
ago to come see Gary Keller in Austin, Texas, the chairman
of Keller Williams. Turns out Gary put together a panel of the top short
sale and REO agents in the country, and it was an amazing
few hours that we all spent around a table. Just six of us,
sharing our knowledge about how to get things done. I was feeling all proud ... here I was making a killing
on short sales, but another panelist has me absolutely beat.
His nickname is the "$1.5 Million Dollar Per Year Man." Why? Because that's what he rakes in per year in
REO sales with Keller Williams Realty. Well, I was
mistaken...he actually made $2 million GCI this year, but
1.5 mil came from REO sales, ok? The guy's got a system. A blueprint. And he follows
it to the letter to make a cool $1.5 mil a year. You can find out more about it here:
http://www.sevenfigurereo.com
It's not just about having an REO contact list. Sure,
a good list is guarded like the keys to the kingdom
by successful REO agents. None of them give that up.
Until now. But the tough part about breaking into this business
is knowing the terminology, the way these deals are
structured, the acronyms, etc. And busy asset managers do NOT have the time or patience
to train a newbie. It's like trying to learn how to sell real estate out of
a book. If you don't have a mentor, that dog won't hunt. So in addition to his million dollar Rolodex of the top
asset managers in the country, the $1.5 Million Dollar a
Year Man is going to provide 6 weeks of online mentoring -
PLUS a one-day boot camp with a two-hour mastermind in
Orlando on February 20th. But he's placed a strong limitation on this ... he's only
selling 500 copies nationwide, then he's taking it off
the market. The information is no good if more than 500
people get it ... kinda tends to dilute this high-profit
information. On average, only 10 agents per state are going to get
this. Heck, there's almost 100 agents in my office
alone. Can you imagine being one of the 10 in your
state who grabs a copy? It's like money in the bank! It's like being offered a McDonald's franchise in
1962! So letting out only 500 copies is to protect your
investment, and his business. Remember, you're getting
access to the same system he uses every day to make his
fortune. He has an interest in limiting how many copies
are out there, too. Go ahead, find out more about this while you can. Discover
when launch day is, who the mysterious $1.5 Million Dollar Man
is, and how to get special early priority notification:
http://www.sevenfigurereo.com
Start creating your own future, regardless of what the
rest of the country's doing. Click here and start
building the kind of wealth that buys you freedom,
regardless of who - or what - is in Washington:
http://www.sevenfigurereo.com
In the end, you make your own opportunities. See you at the top! Chris McLaughlin P.S.- If you'd like to do something nearly
      everyone in the "herd" is NOT doing today,
      go take a look at this while you can:
      http://www.sevenfigurereo.com

Saturday, December 27, 2008

Carleton Sheets is unveiling a website dedicated to Real Estate! Check it out!

Carleton Sheets is unveiling a website dedicated to Real Estate! Check it out!

Generate extra Monthly Income by becoming a successful Real Estate Investor! <http://sf.thesnowrock.com/gtvrdkvtonftmpz/ot/>

Friday, December 19, 2008

FW: Will you be ready for the next wave of foreclosure listings?

New Report Says Foreclosures Could Top 8 Million by 2012
An estimated 8.1 million homes in the United States, or 16 percent of all outstanding mortgages, will be foreclosed over the next four years, according to a recent research and analytics report issued by the 152-year old financial institution Credit Suisse. That figure is up significantly from the group's 6.5 million forecast in April.

"At the time, most viewed our forecast as being overly gloomy," a team of analysts, led by Rod Dubistsky, wrote, referring to their April estimate. The analysts said that even then, based on trends in delinquencies, growing negative equity, and the downward spiral expected in home prices, "the forecast seemed reasonable."

And now, "The severe recession that appears more and more likely, coupled with the collapse of confidence in housing and resultant foreclosures and the impact on credit scores, risks transforming the U.S. into a subprime society," the analysts said in the report.

The housing downturn, now in its third year, has triggered a U.S. recession and rising unemployment that have only worsened mortgage delinquencies. The Credit Suisse analysts said that these severe conditions may even push foreclosure numbers over the next four years to above the 10 million mark. All of these properties will be listed by a local licensed real estate professional. Click here to find out how you can be the agent of choice for these financial instituitons: http://www.reorenegades.com/ Frank Patrick REO Broker

RESPA Rule compliance aids now available

Subject: RESPA Rule compliance aids now available

RESPA Compliance Pack - New from RESPAnews.com! The RESPA Compliance Pack bundles some of our best RESPA knowledge tools into a one-size-fits-all product aimed at improving your understanding of the RESPA rule. For a limited time only, when you subscribe to RESPAnews.com, you’ll get the following compliance products specially selected from our RESPA store absolutely FREE:
Five Special Reports

Highlighting key areas of confusion in the statute. These reports bring you comprehensive steps to follow when structuring affinity relationships, marketing agreements, affiliated business audits and more, including bonus reports on the rules governing gift-giving and a nuts and bolts overview of the statute.

More about the Compliance Pack Special Reports

Five Hours of RESPA Guidance

Including three hours on the basics of the statute and how it has been interpreted through enforcement actions and the courts, and two hours on how to structure your business relationships without making common mistakes. Use these audio seminars to educate yourself or your staff on the RESPA laws.
More about the Compliance Pack Audio Seminars

Even though RESPA is being reformed, some key areas of the statute remain unchanged, and the tools in this RESPA Compliance Pack will prep you for the enforcement challenges ahead. Don’t start the new year without it. Subscribe today.

New Issue Release - LoanOfficerMagazine.com - Dec. 19, 2008

Subject: New Issue Release - LoanOfficerMagazine.com - Dec. 19, 2008

December 2008

IN THIS ISSUE

  Top 12 Articles Newsletters for 2008
            With many mortgage magazines a shell of their former selves, LoanOfficerMagazine.com is alive and well with 24 issues published in 2008, including 118 articles and 9 newsletters. Yes, we do keep track - the top 12 articles have been read by thousands of LOs. The most widely-read articles for 2008 cover HUD Homes and foreclosures; Punctual Payment Programs to Rapid Real Estate Reviews; Urgent Care for real estate agents.

Non-Subscribers can view 3 entire articles. You can also view the most popular Realtor Newsletter for 2008. Read the testimonials and remember that your subscription includes all newsletters, charts, graphs, brochures and marketing at no extra charge.

Top 12 Articles of 2008

Mortgage Planners: Why They May Need a Reality Check <http://y0use.com/rd.html> (Everyone can read entire article.)
How to Market $7500 Tax Credit to Realtors® - Flyer Download
How to Audition Real Estate Agents
HUD Homes: What You and Your Real Estate Agents Need to Know
Capture Calls from Clients Whose Mortgage Company No Longer Exists
Foreclosure vs. Short Sale? Can't Refinance It. Can't Sell It. Can't Afford it. <http://y0use.com/rd.html> (Everyone can read entire article.)
Punctual Payment Program
First Time Homebuyers: NAR Survey of Home Buyers and Home Sellers
3, 3, 3 3 Plan: A Balanced, Low-Cost Lead Generation System.
How to Setup an Urgent Care Division
Rapid Real Estate Review SystemTM: Client Marketing System <http://y0use.com/rd.html> (Everyone can read entire article.)

Thursday, December 18, 2008

Frank, Step 6 - Add Audio and Podcast It...

Step 6 - Add Audio and Podcast It...

Are you ready to implement Step 6 and continue to build
your business and drive traffic to your site? I hope so!

Let's quickly review what we've done so far.

So far we covered five steps in our system (the system
I learned from Dana McManus) of driving traffic to a
website. Here's a quick review:

First, you create an article. Second, you submit your
article to article submission sites. Third, you reformat
your article into a press release and submit it to press
release submission sites. Fourth, you turn your article
into a video. Fifth, you submit your video to video
submission websites.

Now we're ready for Step 6. Remember, you have already
created an audio file - the one you used in your video
presentation. Now you need to podcast it.

So what is a podcast? It's an audio or video program to
which a person can subscribe and receive new information
or updates automatically. It‚s like a radio or TV program,
but a whole lot faster and easier to broadcast.

In fact, it's one of the easiest ways to actually start your
own radio station. And one of best ways to start is
through iTunes.

Why? iTunes already has over 200 million users and it's
still growing. If that's not reason enough, Apple has built
virtually everything you to need to find, subscribe to,
manage, and listen to pod casts right inside iTunes.

This allows you to publish your podcast to iTunes and
reach a potential audience of millions. Plus on Apple's
site you'll find an array of video tutorials to help you
with the complete process. You can find this site at
www.apple.com/itunes/tutorials.

Next time, we'll talk about another great way to drive
traffic to your website. And remember, more traffic
means more business!

Now go make something happen.

To Your Success,

Robert McGee

P.S. Remember to check your email in a few days because
I'll be sending you step 7 - a quick, easy, and very powerful
action to take. Yes, you're going love it!

P.S.S. If you haven't visited the site I sent you a few days
ago - it's a site I use that has helped me out a lot in
marketing my business online - here it is again...
http://internetmarketingexplained.com/

Hotel for sale

Subject: Hotel for sale

New price ˆ Good opportunity -

For Sale Hotel 1.000.000 Euros

Fantastic business or investment opportunity

The partners of Hotel Solar dos Marcos, located in Portugal, are interested in finding an investing partner or selling the company and property in totality. The hotel, which is in close proximity with Spain, has been classified as excellent architectural value by the Portuguese General Directorate of Tourism.

Real Inn dos Marcos is a historic palace that has been reconstructed from an old Episcopal residence (18th century). Located in the Portuguese village of Bemposta, where D. Manuel Martins Manso, Bishop of Guarda, was born and lived. The Bishop Martins-Manso added the chapel to the original building, in honour of the Holy Mary, in the second half of 18th century.

The 4-star property currently integrates eight double rooms with one room adapted for the physically challenged, one suite, rooms and suites all with room of bath, conditional air, TV satellite,an extensible restaurant for up to 140, a bar, one multi-functional hall for 40 places, private garage covered for 13 places, private chapel and a garden with swimming pool.

The project still integrates a private park that provides access to the residence of the manager consisting of one dinning room, a kitchen and two bedrooms. Due to the localisation of the hotel and its topology of construction, it is possible to extend it by acquisition of adjacent old gardens and rural houses, however keeping the hotel's main entrance.

The factors that could accelerate the success of the Solar are identified as investment by increasing the number of rooms, investment in equipment for tourist entertainment; mini-golf, own boat, 4x4 vehicles, marketing and publicity in Spain and Portugal; and the effective integration in international tourism circuits.

Other opportune factors that contribute include the hotel's location in the Nature Park of International Douro (PNDI), therefore offering favourable conditions for the development of a local tourist market, with special emphasis on ecological tourism and adventures. The Hotel is one of the first of this kind in the area of the PNDI.

Proximity to Spain; near the cities of Salamanca, Zamora and Formoselle, allows the attraction of Spanish tourists as customers. The benefit of existing roads and those still under construction offers good internal road links and links with Spain as well.

The house "Dos Marcos" has an entertainment programme, based on the routes along the Arribes del Duero. It offers the opportunity of going on a boat trip along the River Duero, trips by car or excursions on foot around the most important areas of the International Duero Natural Park and the "Arribes del Duero" Park. The Solar is encircled with hunting zones; including the wild boar thus making hunters potential target customers.

Other activities offered are; hiking along the banks of the International Duero, donkey rides, mountain bikes, 4x4, bird watching, hiking and mountain bike routes, participation in the traditional grape collecting in the Arribes del Duero or in the Oil Route of Tràs-os-Montes; an accredited oil from the Arribes del Duero region.

In the past 12 months the partners have come to establish partnership agreements with travel agencies, which has allowed them to implement mixed packages including lodging, restoration and activities such as the boat rides on the Douro River as well as visits to Spain.

How to get there ?

Rua de Santa Cruz - 5200 Bemposta (Mogadouro )
BY CAR The EN 221 runs all along the border area of the Northeast Transmontano territory from Miranda do Douro to Figueira de Castelo Rodrigo From here it joins with Guarda/IP5

The EN 216 which joins Mogadouro to Macedo de Cavaleiros

The EN 219 which joins Mogadouro to Vimioso

The town of pueblo Bemposta is reached by following the EN 221 which crosses it after 6 kms., along an alternative route (EN 221-7) which crosses the village and ends at the Spanish border, at the crossroads with the Bemposta dam, 2 km. away

The Spanish village of Fermoselle is only 6 km. from the border

Main communication links with Spain:

25 km. to Mogadouro Airport Pt
64.5 km. to Zamora Es
93.1 km. to Salamanca Airport Es
142 km. to Valladolid Airports Ryanair Es
330 km. to Madrid Airport Es
130 km. to Puebla de Sanabria Es (via Bragança Airport ) Pt

The partners cannot afford further investment hence their interest in finding an investing partner or proceeding by selling the hotel. The Sale / investment will be for 1.0m • (Euros) while the conditions of sale / investment are: the payment of entrance (500,m • ) immediately - with signature of a contract of commitment; the payment of (500,m • ) with the signature of the final contract before a notary officer.

We accept to pay 5% of the net final price to your company for your efforts
in searching a buyer or investor for the hotel. However non-exclusive.

You find more photos of the hotel at:
http://jose.antonio.marcos.web.simplesnet.pt/foto_global.htm <http://jose.antonio.marcos.web.simplesnet.pt/foto_global.htm>

http://www.marcos-arribas.com/ <http://www.marcos-arribas.com/>

http://www.solar-dos-marcos.com/ <http://www.solar-dos-marcos.com/>

Feed us back if the photos available are not enough.

Do not hesitate to contact us if you have more questions
and open issues concerning this business.

With our warmest regards,

Adérito Marcos
and
José Marcos

==========================
==========================
Marcos & Marcos Hotelaria, Lda.
Av. S. Sebastião, s/n
Urrós-Mogadouro
5200-461 Urrós
Email: hotelaria.marcos@gmail.com
Mov:00351936946353
NIF: 503 774 359
NIB: 0035 0477 00015885730 29

===========================
===========================

Wednesday, December 17, 2008

SOLD IN 5 MINUTES!!! PROPERTY OR ASSETS AUCTION STRATEGY advertise

SOLD IN 5 MINUTES!!! PROPERTY OR ASSETS AUCTION STRATEGY advertise

SOLD IN 5 MINUTES!!!
PROPERTY OR ASSETS AUCTION STRATEGY
W25

Advantages of Auction Sale

* Auctions are the fast, efficient, and effective way to convert your
Property or Assets into cash No other sales method works as well
* What can be sold at Auction? REO, Foreclosure, SFR, Projects,
Commercial, Land, Any property or Assets that can be sold at discount
* Cash in on your Real Estate equity, or cut your losses
* Convenient, no hassle, we handle everything
* Quick Sale when speed is of the essence, property usually sells
in 30 days or less
* A specific date is set creating a sense of urgency to buy
* Intense and accelerated real estate marketing
* Property sells at true market value or more
* Property often achieves more than the anticipated selling price
* Auction environment encourages a sense urgency and
competitive bidding
* Get maximum exposure, aggressive marketing strategy to
buyers local, regional, national and international
* Targeted advertising, publicity, telemarketing, direct solicitation,
proprietary database of prospects and investors
* World Wide Web Marketing
* On-site property directional signage
* Buyers can be prequalified
* Limits need to show property
* Auction conveys a "sales-friendly" atmosphere
* You can set the reserve or minimum price that you will take

Still have a question? Click here <mailto:re@iauctionre.com?subject=Please Type Property Address Here> to email.

Walt Adams Inc
PO Box 911024
Los Angeles CA 90091 USA
800 996-4469 fax 800 540-2784
323 887-1158 fax 323 887-1706 Worldwide
re@iauctionRE.com
www.iauctionre.com <http://www.IauctionRE.com>
California Auction Bond # FS776-33-05
California DRE License 01775819
Broker: International Real Estate Group

Wednesday Minute – 800 Pound Gorilla Loses His Home to For.eclosure

December 17, 2008

The 800 pound Gorilla in this case is the Georgia Real Estate Investors Association. This was undoubtedly at one time the largest REIA in the United States. They started as a non-profit organization and gravitated toward getting more and more of their revenue from national gurus selling books and tapes. Eventually, this slowed but their slowly declining membership base and many gurus not delivering what they had promised, led to their near total demise.

I was invited to join a sub-group's meeting in Gwinnett County where one of my daughters lives. There were about 20 investors present and that resulted in a lively exchange of ideas and valuable information. They have not seen the decline in prices we have, but are just now beginning to feel the impact of our staggering economy.

Most of the investors at the meeting were landlords, some not by choice, because of over-paying for properties or the lack of buyers to take them out of their properties. They had very interesting experiences but generally would not be landlords if given the choice - knowing what they know now. One investor says he never collects a deposit - just the first month's rent- no one else at the meeting did this and there was a lengthy discussion about the issue of escrowing deposits and the problems if it is not done properly.

I discussed the issue I had with properties cash flowing only a few hundred dollars a month and many of the investors said they didn't make even $200/month net after costs. Again, they followed the teaching of the REIA that stressed buying a property with equity and renting it until it came time to cash out. But the equity disappeared over the years and the minimal cash flows often didn't cover repairs.

I asked why they weren't wholesaling and most just said "no one seems to be doing it". Since the Georgia REIA declined in attendance, there were fewer people looking for wholesale deals. I discussed what we teach our mentoring students to do and their successes and failures. Yes, we have a few students that haven't done a property after months in the program, while others have done four or more in the same time period. If you ask "why", I can only say because those few students aren't using us to their best advantage and they are not consistent in doing the basics of finding deals - because we do all the rest of the investment cycle for them (qualifying, presentation, contracting, and selling their deals). I recently told one of these students that 35% of our deals were coming from one source that she could use herself. For the next ten minutes I got an ear full of why this method of getting deals doesn't work. Remember, I just told her that we were closing on deals every other week from this f.ree source of leads. She even told me she paid $2,500 for a course on just this source of leads and that's why she knew it wouldn't work - because she tried it for a week and nothing happened. Shakespeare probably said something like "a week, a week, oh what a difference a week makes!"   What if she had gone on for a month or a year, what would the results have been? I can't say but I know this lead source works for us.

When people are looking to come into the mentoring program they often ask for the success rate. This is a very misleading question because the only success rate that counts is what you do with your personal business. If a student has over 100 years of experience at his beck and call and all the tools to do the job - "why isn't he/she finding properties?" The solution is that while investing is simple, especially when you have us looking over your shoulder ever minute so you have support and guidance, the reality is that the business is "hard" in the sense that you must work to get to your ultimate goal of financial independence.   When you find a source of money that requires no work on your part, gives you a fortune in return for a few minutes of your time, you have won the lottery. The true nature of successful real estate investing is persistent prospecting for sellers and buyers and learning how to put them together legally to maximize your profit with no monetary risk.

Here are some HUGE tips that might help you with your investing that I discussed at this meeting. Replacement cost to build new properties is about $125+/- per sq. ft. So the cost to build a new home would be about $125 x 2,000 sq. ft. = $250,000. However, we are making our offers to homeowners in South Florida at prices ranging from $50 to $85 a sq. ft. or well below replacement cost in our area. Remember these same properties were selling for $200 - $350/sq. ft. - less than two years ago!

On the rental front, the historic rental "rule-of-thumb" was that it was a deal if you could get 1% per month of the purchase price as gross income monthly. This formula doesn't work in South Florida to leave the landlord with enough net profit to make the property salable in the future. I expect to hear it again from a few readers - "What if I raise the rents, then it will work - Ha!" No question, that's true, but what if you can't and what if your tenants don't pay timely or at all? Remember the next buyer is probably not looking for a tax loss and he will look only at net income on his investment.

We are now only buying rental properties at a cost basis where they yield one and a half to two percent of the purchase price (1.5% to 2%). For example, if you are going to pay $100,000 for a property, it should have a gross rent (all units combined) of at least $1,500 to $2,000 per month. Actually, these yields are very easy to get in very distressed areas including Riviera Beach, Pahokee, Belle Glade, etc.

In my humble opinion, these are not the areas that are worth investing in because of the danger of collecting rents, tenant issues because of the neighborhoods, and the resale value will always be below other "safer" areas. You are welcome to be a pioneer and look to reap the giant rewards of these areas some day changing to be normal neighborhoods - just remember that pioneers are the ones who get shot with arrows from the local natives.

Most importantly, find out what actual rental rates are in an area either online or at www.XimaUSA.com instead of using HUD Section 8 rentals as a guideline - you may get an unwelcome surprise if you don't check! Section 8 rental rates can and will be lowered in the future as they have been in the past as housing values drop and more rentals become available.
On a very personal note - for some unknown reason, I have recently been almost obsessed about writing about the topic of "Dream Killers". Ironically, this comes at the most successful time for me personally in the last few years. I almost made this entire Wednesday Minute about this exact topic. You see, I have been in places where I blamed my "stuff" on other people or things that happened to me.

On one occasion I got so angry, I actually called someone a Dream Killer to their face. I guess the biggest regret I have about that is the fact I never said I was sorry because they didn't seem phased by it - but I knew in my heart they were hurt. As I gained more insight about myself, I guess the reality was that my only Dream Killers were ones I made up instead of accepting the blame for my shortcomings.

For some of you, the Dream Killers might be fear, procrastination, uncertainty, over-analyzing, over-commitment, well-meaning friends and family members, spouses included, or ............ whatever.

In the final analysis, I have been truly blessed and fulfilled my dreams by a dogged persistence and belief that "I can do it!" and by breaking down the problems/goals/dreams into the smallest of segments so the issues are easier to handle.. You see life is full of issues/problems and the more successful you become, the more you must learn to cope and solve these problems. This is the cycle of life and it won't change, because only you can change.

Next time someone or some idea steals a dream of yours, take a look at what you are willing to trade for your success and the fulfillment of your dreams - and make a decision to live in obscurity, possibly with constant regret, being resentful of life or people, or make the decision to "Go for it!" Remember, if it isn't fatal, you will be stronger for it!
I have had to ask some people "What's the worst that can happen?" because 99% of the time it doesn't happen and the 1% that it does happen, it is no where near the severity they thought it would be!

"Now go do it" and live your life to fulfill your dreams, one step at a time.
To your limitless success,

Dave Dinkel
Exec. VP BREIA Partner

Monday, December 15, 2008

Looking for a 3 BR family house in Fort Lauderdale

Subject: Looking for a 3 BR family house in Fort Lauderdale

Buyer AND Seller Leads

Membership Discounted 50% Till December 31, 2008!

Only $199 $99 a year!
   On Dec 9, Buyers USA Relocation added Seller Referrals to their membership benefits - at no additional charge! "Many of our home buyers have homes to sell," says Tim Brunson, president of Buyers USA Relocation. "In the past, these buyers have just found their own Real Estate agent in their home town. But now we're able to offer these sellers a chance to interview some of the best real estate agents in their city - agents that are members of Buyers USA!" We've been generating leads for Top Real Estate agents since 1992 - We've been around a long time and have helped thousands of agents across the country make more money! NOW (for a limited time only) you can be receiving quality home buyer leads AND listing leads for only $8.25 a month*. Commit TODAY to making more commissions in 2009! We need another agent in Fort Lauderdale to accept the leads we're generating. Come join our family of real estate agents and start benefiting from membership in our service. For only $99 a year (equivalent of $8.25 a month) you'll get home buyer leads, advice and tips on how to convert Web leads to closings and more...
I have loved working with the clients sent to me from Buyers USA   Relocation! Most of the leads are quality ones, giving me a new way to find   relocation clients. Most of the inquiries come from people generally interested   in moving to our wonderful area. Thank you Buyers USA! -- Carol Hannah, American Way Real Estate

You pay us only a reasonable 25% fee upon close of escrow on leads received through Buyers USA Relocation. Just take a look at leads <http://members.buyersusa.com/pages/getleads.cfm?nqc=FL0645> we've provided already for the Fort Lauderdale area.

Join Buyers USA Relocation by December 31 and we'll reduce our normal membership fee of $199 to only $99 - a savings of $100!

Keep in mind that this offer is only available for a specific number of licensed real estate professionals in a limited number of U.S. cities. Once we reach our goal, membership may not be available for Fort Lauderdale and definitely not at this rate. This is a first-come, first-served offer and will be withdrawn for your city once we feel that we have sufficient coverage.

Ready to Join? <https://www.buyersusa.com/secure/busar/apply.cfm?specialoffer=specialoffer> You must use the following promotional code to take advantage of this offer: 653325

Learn more about Buyers USA Relocation <http://members.buyersusa.com/pages/memberlp2.cfm?specialoffer=specialoffer> (including more testimonials) and what we can do to improve your sales

Yes! I want to take advantage of the one-year opportunity to receive valuable home buyer relocation leads for only $99 for 12 months and I want to participate in the coming real estate recovery. Get Started Here <https://www.buyersusa.com/secure/busar/apply.cfm?specialoffer=specialoffer> . You must use the following promotional code to take advantage of this offer: 653325

Best Regards,

Buyers USA Relocation Membership Department

Buyers USA Relocation
Post Office Box 367 Anniston, AL 36202
Buyers USA Relocation is a Licensed Real Estate Broker and

a member of the National Association of REALTORS®

Saturday, December 13, 2008

Build Your Knowledge of Commercial Mortgage Terms

Subject: Build Your Knowledge of Commercial Mortgage Terms

Glossary of Commercial Mortgage Terms (52 pages) Free download from LendingApps - register below

Commercial mortgage loans are different -- different terminology, different lending requirements, and different processes. Below is your free link to the most comprehensive glossary of commercial mortgage terminology in the industry.

Stabilized Net Cash Flow - The most important number the lender looks for; determines a commercial property's maximum loan amount.
DSCR, LTV, Income Capitalization Approach to determining commercial property value.
Property-specific terms that affect a property's interest rate, such as underwriting reserves; anchored v. unanchored or shadow anchored; reimbursements such as NNN, Gross and Modified Gross.

Click to DOWNLOAD Glossary <http://www.commercialmortgagesoftware.com/register.php?Page=glossary.htm>

Click to Download & Test Desktop Demo <http://server1.streamsend.com/streamsend/clicktracker.php?cd=3327&ld=52&md=421&ud=9b54011204205d55d2abe2eae7c18a9f&url=http://www.commercialmortgagesoftware.com/register.php%3FPage=dlInstructions.htm%26PromoCode=C8D12> Promo Code C8D12 Purchase BrokerPro <http://server1.streamsend.com/streamsend/clicktracker.php?cd=3327&ld=52&md=421&ud=9b54011204205d55d2abe2eae7c18a9f&url=http://www.commercialmortgagesoftware.com/purchase.php%3FPromoCode=C8D12>
Add Additional Streams of RevenueIf you know the right lenders, you can offer commercial mortgage loans to your clients and get wholesale rates and loan priced at PAR. You just have to know how to package the loan or else you will lose credibility with the wholesalers. The lender database in BrokerPro is comprised of lenders who use our lender software. That's right; 100 direct commercial mortgage lenders like Washington Mutual , Citibank, Wells Fargo, CIT Group, and many other lenders use our lender software to connect to thousands of mortgage brokers across the country who use BrokerPro Software to automate the entire loan process: origination, processing, underwriting and closing. Direct contact with each lender; no broker packages to fill out with each lender; low interest rates; many types of loan programs -- that's BrokerPro.

BrokerProWEB with Lender Database
Just like the Original Desktop Version of BrokerPro Software which prompts you for information and makes the necessary calculations prior to submitting to lenders but now with BrokerProWEB you can input and submit your loans plus print or save your reports from virtually anywhere that there is an internet connection. Click Here to View Online Version Demo <http://server1.streamsend.com/streamsend/clicktracker.php?cd=3327&ld=52&md=421&ud=9b54011204205d55d2abe2eae7c18a9f&url=http://www.commercialmortgagesoftware.com/purchase.php%3FPromoCode=C8D12>
Purchase a One Year subscription for $1,100
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Latest commercial interest rates
Commercial lender profiles
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6 commercial training videos on CD Rom -- 95 minutes
Underwriting manuals, origination guides - 100+ pages
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Required forms and live support

Most FSBO's will list after just three to six weeks...

Subject: Most FSBO's will list after just three to six weeks...

This is your chance to get "For Sale By Owner" leads for 15 Days FREE! With this promotion we are waiving our $200 set up fee and lowering the price from $49.99 to $39.99 a month after the 15 Day FREE Trial. Our new "For Sale By Owner" lead system includes:

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New FSBO leads daily by 8:00 am complete with contact information
More FSBO leads for your area than any other lead source
Weekly FSBO prospect training included
Photos of the home when available.
Automatic cross checking of your leads against the National Do Not Call Registry
Each phone number is reverse searched to find name and address of home owner

We research thousands of sources including newspapers, magazines and websites to find nearly every "For Sale By Owner" (FSBO) property in North America. We want to give you a FREE 15 day trial so you can see how generating leads can make you more money.

Did you know that according to the National Association of Realtors 84% of For Sale By Owner properties will eventually list with an agent and of those, 70% list with the first agent who contacts them? The fact is that by targeting FSBO leads you will get more listings. Less than 5% of real estate agents work the For Sale By Owner market because researching FSBO properties is a pain! Agents who do work this lucrative market make an additional $100,000 per year just by listing 2-4 FSBO's per month. We are so confident that you will get listings from our service that we are willing to let you try it for15 days FREE. After the 15 day trial, the service is only $39.99 per month. You can cancel at any time.

SIGN UP THIS WEEK and we will also throw in our comprehensive getting started training material "Energize Your Real Estate Agent Skills" - a $199 value- packed with powerful insights, ideas, scripts and reports on how to list FSBO properties.

SIGN UP THIS WEEK and we will also throw in two free lead generating websites valued at $999! We teamed up with Real Estate Promoter to provide you with this bonus. You're additional websites will generate hot leads for you. The training material and the websites are yours to keep even if you cancel the service!

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Real Estate Coach

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Orem, UT 84097
Phone: 801-373-3726

Wednesday, December 10, 2008

MortgageCurrentcy.com New Issue - Dec. 10, 2008

Subject: MortgageCurrentcy.com New Issue - Dec. 10, 2008

December 2008

In This Issue:
Fannie Establishes Additional Appraisal Requirements and New Appraisal Addendum (Form MC1004) - Mortgage Talking PointsTM Flyer Included <http://y0use.com/rd.html?id=548>

Highlights from New Fannie Mae Selling Guide - Download the Preview Version.

Private Mortgage Insurance Company Comparison Chart for Fannie/Freddie Conforming Loans (Download Print)

Freddie Mac: Product, Property Underwriting Changes Including 45% DIT; HomePossible® Updates; Appraisal Addendums More

Updates to Freddie Mac Loan Prospector (LP) Changes Accept Plus, Super Conforming Price/Credit

Freddie Mac Manual Underwriting Guidelines, Minimum Waiting Periods for Foreclosures, Short Sales, Deed in Lieu, and More.

Acceptable Down Payment Sources for FHA Loans! (Mortgage Talking PointsTM Flyer - Shake the Money Tree)

Warning: DU for Government Loans (FHA/VA) Will Not be Updated Until 1/24/09 - It's Still Your Responsibility to Check Loan Amounts!

FHA Maximum Loan Limits Including Reverse Mortgage (HECM) Mortgage Loan Limits for 2009

FHA Reverse Mortgages New Origination Fee Limits - How to Figure!

Property Flipping Allowed in 5 Midwestern States

HOPE for Homeowners' Program (H4H) - Is it Workable?

Is the Home Valuation Code of Conduct (HVCC) Going to be Implemented Anytime Soon? An Update!
ARTICLES IN THIS ISSUE


       Fannie Establishes Additional Appraisal Requirements and New Appraisal Addendum (Form MC1004) - Mortgage Talking PointsTM Flyer Included
              There‚s more to this announcement than the new 1004MC form, like trends in values, supply demand, marketing times, prior listings, new construction comps, etc. Understanding how the appraiser reached his/her conclusions is critical in explaining them to your clients and real estate agents. Mortgage Talking PointsTM Flyer explaining how it will affect your agents and builders! (Fannie Mae Announcement 08-30, November 14, 2008)



       Highlights from New Fannie Mae Selling Guide - Download the Preview Version.
              Yippee! Fannie finally figured out that it took 10 times longer to find specific guidelines on their site than it does on Freddie‚s site. Sheesh∑what took so long! There are so many fantabulous features you may actually like reading this stuff, but YOU CAN LITERALLY USE IT TO SAVE YOUR DEALS!! (Download the preview version of the 2009 Selling Guide.) (Fannie Mae Lender Letter 03-08)



       Private Mortgage Insurance Company Comparison Chart for Fannie/Freddie Conforming Loans (Download Print)
              Not all MI companies are created equal. For example, the FICO on a rate and term refi ranges from 620 to 700. Only 3 companies will consider manufactured homes. Download Private Mortgage Insurance Comparison Chart (Genworth, MGIC, PMI, Radian, UG and RMIC) as recent as 12-5-08.



       Freddie Mac: Product, Property Underwriting Changes Including 45% DIT; HomePossible® Updates; Appraisal Addendums More
              We‚ve got two zingers here: (#1) ˆ Freddie actually backed off on their threat to implement a 45% DTI on ALL loans.   It will only apply to manually underwritten mortgages. Fantabulous! Especially for super-conforming loans! (#2) - 100% financing with Freddie is out the door for good. Wait, there‚s more! This Bulletin is crammed with changes that affect you. (Freddie Mac, November 24, 2008 Bulletin)
Read More > <http://y0use.com/rd.html?id=549>


       Updates to Freddie Mac Loan Prospector (LP) Changes Accept Plus, Super Conforming Price/Credit
              This is about what‚s updated in LP; it is NOT about rule changes. But please, don‚t discount it! It‚s quite a big deal. Do you have any of these loans sitting in your pipeline?   Not only can you have PO‚d Realtors ˆ you could lose the deal altogether. (Freddie News, November 18, 2008)



       Freddie Mac Manual Underwriting Guidelines, Minimum Waiting Periods for Foreclosures, Short Sales, Deed in Lieu, and More.
              Part II is manual underwriting, plain and simple. Skip it at your own risk ˆ because nobody underwrites manually anymore. Right? Well, I beg to disagree. Whether underwriters admit it or not, most will underwrite manually if they believe in the loan file. There are more and more reasons that Lenders are forced to manually underwrite! (Freddie Mac Bulletin - October 17, 2008)



       Acceptable Down Payment Sources for FHA Loans! (Mortgage Talking PointsTM Flyer - Shake the Money Tree)
              There are lots of lesser-known alternative sources of down payment funds acceptable to FHA. Many loan officers, real estate agents and builders either don‚t know about or fully understand them. You might be able to close a few more loans by knowing this info. Download Mortgage Talking Points® Flyer ˆ Shake The Money Tree!



       Warning: DU for Government Loans (FHA/VA) Will Not be Updated Until 1/24/09 - It's Still Your Responsibility to Check Loan Amounts!
              The oops potential for loan buy-backs and uninsured loans is massive to say the least. You cannot depend on your DU findings for government loan amounts until January 26, 2009. (Fannie Mae DE for Government Loans Release Notes for January 2009, on December 1, 2008)



       FHA Maximum Loan Limits Including Reverse Mortgage (HECM) Mortgage Loan Limits for 2009
              Most of us are a little misty-eyed over loosing our temporary higher limits but hey, it could have been much worse...really. Create lists for your area and email or deliver them to everybody.   Put the FHA limits for surrounding counties on the back of your business card and laminate. (FHA Mortgagee Letter 2008-36, November 7, 2008 FHA Mortgagee Letter 2008-35, November 6, 2008)



       FHA Reverse Mortgages New Origination Fee Limits - How to Figure!
              Now is the time to take a hard look at your company policy, if you have one, regarding HECM origination fees. Seems simple enough, but I hate it when HUD gives us instructions that are „open to interpretation‰ and they‚ve done it again!! First, let me clarify a few things for you∑ (FHA Mortgagee Letter 2008-34, October 31, 2008)



       Property Flipping Allowed in 5 Midwestern States
              If you are originating in these states, get the word out! Quick! This is big news for those doing business in these counties. Check your pipeline: deals that were not previously eligible for FHA financing may be now. See if your borrowers could benefit. (FHA Mortgagee Letter 2008-37, November 24, 2008)



       HOPE for Homeowners' Program (H4H) - Is it Workable?
              It looks like lipstick on a pig to me--none of these changes make a @*!#%! difference to most of us; H4H is STILL not a viable origination tool. With that said, there is still a lot of buzz going on and subscribers are asking about it, so here‚s what you need to know, in plain English! (HUD News Release 08-178, November 19, 2008)



       Is the Home Valuation Code of Conduct (HVCC) Going to be Implemented Anytime Soon? An Update!
              In all likelihood, brokers will be ordering their appraisals through Appraisal Management Companies (AMC‚s). Originally, this was rolled out as a January 1, 2009 requirement and there have been no updates from either Fannie or Freddie. In fact it has gotten eerily quiet∑.but I doubt it‚s because it‚s going to go away. Read what the appraisers‚ board is saying∑

PREVIOUS ISSUE

Fannie Mae High Balance DTI: Does Fannie's new "High Balance" loan have the same maximum 45% DTI as the current conforming Jumbo? I have an approve/ineligible because of a 47% DTI that I'll hold until January if I can get it through then.
Fannie/Freddie Condos: An underwriter said that I have to wait 3 years after a condo conversion, to finance (or refinance) Fannie or Freddie. Why?

FHA Become DE Underwriter: How does a loan officer get approved as an FHA underwriter?

FHA Condo Approvals: What do I need to do to get the condo projects FHA approved and what are FHA appraisal requirements for new construction condos?

FHA Rents Current Home, Buys FHA: What are the rules to use rental income from a home that will be rented when buying another home via FHA?

VA Refinance: If a veteran buys a home on lease/purchase option, what are the VA rules?

VA Renting Current Home, Buying VA: What are the rules to use rental income from a home that will be rented when buying another home via VA?

Home Valuation Code of Conduct: Is there anything new on the HVCC and the requirement to use Appraisal Management Companies?

Chapter 7 Bankruptcy: What's the buzz about the credit bureaus, a lawsuit and Chapter 7 Bankruptcy Reporting Issues?

FW: Who will be the top REALTOR in your neighborhood in 2009?

Subject: Who will be the top REALTOR in your neighborhood in 2009?

If you are a REALTOR that is ready to take advantage of the opportunity that is right around the corner, we can help you prepare now. But we can not help all. You must be a real estate professional that…..

Specializes in a Neighborhood, community or small town.
Is NOT pulling back on marketing their homes for sale or themselves while others are getting out of the business or becoming invisible. (But we can help you pull back on what you are spending!)

Hi, I am Don Eagle, a founder and a former REALTOR that found a better way to increase our business within our own neighborhood back in 1999. Today our method is even more important and useful than ever.

What did we do? We did something unheard of. We stopped marketing ourselves! Instead we decided to give our neighborhood a place on the internet. Think Craigslist, MySpace, Facebook, YouTube, LinkedIn and Blogs combined with Realtor.com. This community website was a much better way to stay in front of our market than monthly mailings, newsletters, etc. It was so successful that we had other REALTORS ask us to share it with them. And we have for over 8 years. After rebuilding, revising and learning what really works, we can do the same with you. By sharing, we all win with lower costs than doing it alone and increased knowledge by sharing ideas and resources. Let us show you how we slashed our real estate farming cost while increasing our sales volume and community standing.
Too many companies prey upon REALTORS; we are not one of them. I love real estate. I served at the Orlando Regional REALTOR Association on Professional Standards and have chaired the Ethics committee for 3 years. I am also a past Director for the Mid Florida Regional MLS. We are not for everyone. But, if you love real estate and concentrate your marketing efforts in your community, we can help. I truly believe our program enriches the lives of the residents as well as the one REALTOR selected. Unfortunately, only one REALTOR can be accepted for each of our 2800 communities. If you are serious about your real estate career, I encourage you to see if we are right for you. Please visit http://www.myadoptedneighborhood.com/ today. A few minutes of your time could begin the change in your business and your neighborhood that you need in today’s uncertain world. Isn’t it time to start moving ahead again?

Wednesday, December 3, 2008

FW: Realtors, LIVE Teleconference

Realtors, LIVE Teleconference

Realtors Take Advantage of the Market

On this teleconference you will learn Secrets and Strategies to “MAKE MONEY NOW!” Yes almost any realtor can take advantage of this market if they know what to do.

This Real Estate Market has most agents caught up in FEAR. Many agents have already left the business. Other agents are struggling just to stay alive. This does not come as a shock to most of you reading this right now, but it doesn’t have to be that way.

Why are some agents making more money than ever? Why aren’t YOU?

On this teleconference, Steve Thornton, America’s Breakthrough Coach, will be interviewing an agent who has closed over 175 transactions this year alone. This agent was struggling and barely getting by two years ago. What happened? How did he turn it around?

You will learn simple secret marketing strategies you can implement now and have a GREAT 2009. As a bonus you will learn how this agent has created a six figure residual income in less than a year with very little effort.

You will be shocked at how little effort you can put forth to do the same. This may seem too good to be true, but it’s not. You do have to put the simple secret strategies to work or you will gain nothing. There is no such thing as a free lunch. But for those of you that are tired of just making it and you would like to take your business, income and life to a new level, you will not want to miss this free teleconference.

One tip from this call can make you thousands and thousands in commissions. Don’t you owe it to yourself to invest an hour in your business by attending this call? Are you someone who wants to change your life or are you someone who is ready to take action?

This is a LIVE, FREE call. You will be able to ask questions and hear other agent’s questions on the call. The lines we have allocated are limited. To assure your spot on this call, Click The Link Below! You will receive the phone and pin number immediately. Don’t procrastinate get the information now.

Live Teleconference Information <http://wealth-builders1.net>

LUXACADEMY|LUXMAC=?ISO-8859-1?B?qQ==?=

L U X M A C © C O V I N O C O M P A N Y
Frequently Asked Questions

How can I get a broker package/am I still approved?
The turnover currently going on in the market has made us rethink our approval process. We no longer send out our broker package without having a conditionally approved loan. Once your loan is conditionally approved the underwriter will send you out a broker package. If you have been previously approved by LUXMAC but have not closed a loan in the last 12 months you will have to update your approval file.
The purpose of this is to allow LUXMAC to concentrate on approving mortgages and not reviewing broker packages without an approved loan. This also enables brokers to submit before having to go through the approval process. The approval process takes 2-3 days.

Where are LUXMAC's rate sheets?
There are several reasons why we do not send out rate sheets. As a custom mortgage platform we feel it necessary to discuss all deals and price them individually. Another is the unpredictable market. A rate quote can be easily be obtained by emailing fcronin@luxmac.com

What are your LTV's/Where are the Guidelines?
Again we do not publish these. As a custom mortgage platform we understand the deals we are looking for. We do not believe borrower's fit in a box. Each deal is looked at individually. We look beyond a borrower's financial profile, assets, income and credit, we look at type of business, successful history in business and how successful of a borrower we are dealing with (these are just a few of the internal issues we discuss).
Our LTV's are based on a borrower's liquidity. LUXMAC can determine if a borrower should deserve a higher LTV without the necessary assets.

Credit Scores?
LUXMAC is not a fico score driven company. We look for strong credit. If a borrower has a 660 but personally signs for all corporate debt (for their expanding company) that is continually paid on time: what makes them less likely to default on their mortgage: compared to an individual with a 720 that has a job in a declining industry? That is our line of thinking.

Turn Times?
3 Days for approval, (1003, 1008, Credit, Assets and Income submitted), 48 hours to review conditions. Closing is 4-5 business days.

Tuesday, December 2, 2008

Realtors...We do short sales for you...You keep all the commissions!

Subject: Realtors...We do short sales for you...You keep all the commissions!
Are Short Sales in your future?
It's time to get in the game...$hort $ales!

[MSNBC June 13, 2008] Foreclosure filings continue ugly climb. Filings last month up nearly 50 percent from a year earlier.

We've talked to dozens and dozens of Brokers and Agents who said they avoid Short Sales like the plague! When asked why, they gave the following reasons, Short Sales...

    are too complicated
    take too long
    are very time consuming
    have a low probability of closing
    are a waste of time because lenders are unrealistic
    are only good for "low end" property

Take a very close look at the photo above. This is photo of a nice property in a gated community with a large caged pool that is "behind in payments" and has "negative equity". Look closer, it might even be your neighbor's home and it definitely is not a "low end" property. We happen to know that these homeowners are a very nice, small family and desperately want to avoid foreclosure! After talking with their lender in detail their lender said "we recommend that you consider a Short Sale". So they quickly approached several Realtors they knew who told them, "we don't do Short Sales because Short Sales are time wasters, not likely to happen, never happen on nice property, etc". You get the idea. Eventually they met a Realtor who listened and empathized with their situation and quickly took their listing with a HUGE SMILE! Why?

First off, she knows the reality of the market situation. In addition, she frequently has Buyers who ask her if she knows of any "great deals" and some Buyers even ask if she is listing any Short Sales that they could look at. She also knows that a deal over a year ago IS NOT a deal today. Not even close. So how does she meet these "deal seeking" Buyer's requests?...Short Sales!

But wait! Aren't Short Sales time consuming, and only good for low end property, and too complicated, and not likely to happen...and...and...??

This Realtor will tell you she is NOT an expert in Short Sales, she has absolutely no interest in becoming an expert in Short Sales, she refuses to make one single call to any lender, she will not waste her valuable time waiting on the phone for a half-hour or longer only to leave a voicemail message, she chooses to only work with mid to high end properties, she believes a Short Sale is much better for the homeowner than a foreclosure, and finally she knows she has a very good chance of making her FULL COMMISSION on a property that Buyers WANT!

How is this possible?

Simple, she found us and discovered that by bringing her Short Sales to us "She keeps all her FULL commissions and we do all the work!"

There are big opportunities with SHORT SALES in our down market! We can help you earn more commissions and the AMAZING part is (please read slowly)...

...You keep all the commissions!

...And, you don't have to know Short Sales!

...It's that easy.

We have the solution and there are...

...No expensive up-front fees

...No monthly charges

...And, best of all we do all the work and you keep all the commissions!

In fact, when its all said and done, it might be easier for you to do SHORT SALES than regular listings!

Who said SHORT SALES had to be hard??

To find out more about how you and your business can possibly DOUBLE or even TRIPLE your listings and commissions with Short Sales check us out on the web at...

Take 20 minutest to change your business and your life!

To listen to a 20 minute radio show on our services register below. (Important notice. Since we recorded the radio show we have made a change and we no longer charge any fees to Realtors...our services are FREE to Realtors)

Or contact our short sale GURU...
Jim Sullivan
954.971.6711 office
954.328.9370 cell

Loan Modifications

Subject: Loan Modifications
Net Modifications
"Helping you save your home"

Attention loan officers
and real estate professionals!

Net Modifications is the leader in loan modifications!

Do you have clients that are:

Upside down in their mortgage?
In an ARM that is going to adjust?
Have double digit interest rates?
Have mortgage lates?

FICO'S, DTI, and LTV's are not important!
We can assist your clients in helping them to modify
their loans into a better program with
a very competitive interest rate!

Banks are very aggressive now as to who they will let
modify a loan! We can help them achieve more than you think is possible!

Contact us today to see how you can help
save your client's home

Murray Shykind
VP of Sales
Net Modifications

Phone: 303-883-1842 Fax: 303-872-6528

Can You Help?????

Subject: Can You Help?????

Hello All,

We are winding down from an interesting year to say the least. We have witnessed the United States of America go through nothing short of a financial meltdown and people are experiencing more financial pressure than they have in years. Relationships are under immense strain. It is only natural that during these times, that we think solely of ourselves. However, I am asking that everyone challenge themselves and despite what you may be facing at the moment, take the time and give back and assist those who are less fortunate than yourself. Although it may not seem like the natural thing to do at the moment, there is no greater joy than to give to others.

Please join me and my friends as we attempt to provide a toy to every single child at Sunland Park Elementary School for the Holiday Season. Sunland Park Elementary School is an inner city school, where the students come from very low income homes. The average household income of the surrounding neighborhood is less than $26,000 for the year and income per capita is approx. $12,905. Sunland Park Elementary School is located at 919 NW 13 Terrace, Fort Lauderdale and consists of over 400 children from PK to the fifth grade. The children at this school, range from ages of 4 to 11 years of age.

I am asking for help. Please purchase one, $10-12, unwrapped toy for a male or female from the age range of 4 to 11. You can drop your toy off at my office, Bank on It - 1820 N. Corporate Lakes Blvd. -Suite 208, Weston. If that does not fit your schedule, we have several other drop-off locations. Please contact me, Dani Ziff at Dani@BankOnIt.Com to schedule a pickup of your toy or for another location. Thank you so much for your assistance in helping the children this holiday season. We will be collecting toys until the first weeks of December. With all of your assistance, we can provide a toy for every single child, as we have only provided toys to the first grade in the past. I have included some pictures from the previous years so you can see the joy on the children’s faces.

Thank you in advance from the students of Sunland Park Elementary!

FHA/HUD opening audit program

Subject: Re: FHA/HUD opening audit program
FHA/HUD
OPENING AUDIT PROGRAM

For many mortgage brokers our “Opening Audit Program” is the fastest and most
cost effective strategy to become an FHA/HUD Loan Correspondent (Mini-Eagle).

Our firm developed the “Opening Audit Program ” to combat the excessive
cost, time and pain associated with the traditional audit procedure required
for FHA/HUD Loan Correspondent (Mini-Eagle) approval.

This program is now more relevant than ever.

Effective October, 2008 - FHA reforms permanently increase FHA loan limits,
streamline the processing for FHA condos, improve the FHA reverse mortgage
and manufactured housing programs, create a maximum $7,500 tax credit
for first time homebuyers and provide foreclosure rescue through the
“Hope for Homeowners” program.

FHA approved Loan Correspondents (Mini-Eagles) are closing loans and making
money by taking advantage of these improvements which are all available now.

Be in position not only to survive, but to thrive in the current market conditions.

Contact lenderlicense.com for more information on our “Opening Audit Program.”
lenderlicense.com
800.948.0970

Take Your Business from the Flintstones to the Jetsons or PERISH

Hi Frank,

Stacy is getting close to having every single line filled for
TONIGHTS Training Call at 9:00pm EST, and as if the
topic wasn't enticing, he has another special suprice.

For those of you who stay on until the very end of the
call will have a chance to win a brand new LAPTOP!

So don't wait, register now!

http://www.StacyKellams.com/trainingcall

Take your business from the Flintstones to the Jetsons!

Anyone can do it!

Stop procrastinating and sign up right now.

Don't make me say "I told you so."

Once the 200 lines are taken, thats it, he can't get any more.

I'm being selfish...

I want this thing to be packed because I want you to email
me and tell me on Wednesday how MUCH you learned.

Web 2.0 Wealth Success Stories

On the Training Call you'll hear about people who have
CASHED in Big Time with WEB 2.0 technology.

Darren Dicke from Ohio who took off an ENTIRE QUARTER
of last year simply because he COULD. He mastered web
2.0 technology and now he lives the life of his dreams.

He got married on a secluded island and had a 2 week
honeymoon. He went with his enitre family over to Israel,
and while he was there he closed 2 deals for over
$23,000!

- Ryan Delher, a 23 year old who takes more vacations
than retired people. And get this, he STILL lives with his
parents because he's about to BUY his 200k house with
CASH.

How are they doing this?

They have solid real estate understanding and combine
it with the latest WEB 2.0 HOUSE FLIPPING MACHINE!

You will hear their stories and learn EXACTLY how they
are doing it TONIGHT!

http://www.StacyKellams.com/trainingcall

This call is free naturally, but you need to register now,
because the number of lines are limited.

Remember, the more you learn, the more you earn!

Success and nothing less,

Mike Ochsner
IBuyHouses.com

P.S. Trust me when I say you DO NOT want to miss
this special Training Call. If you stay on till the very
end you will get a chance to win a LAPTOP!!

So don't wait, Register NOW!

http://www.StacyKellams.com/trainingcall

Top 5 things REO Agents DON'T want you to know

Subject: Top 5 things REO Agents DON'T want you to know

Top 5 things REO agents don't want you to know

5. That, on average REO agents spend less than 20 work hours per
closed transaction

4. What skill sets asset mangers require for hiring new agents

3. That they are monopolizing the real estate listing market

2. That lenders are starting to bring on more and more new REO
agents

1. That the REO catastrophe will last through 2012 and will likely
continue through 2020

You may not know or understand it but as a Realtor you are in a
better position than 99% of the United States work force (in this
current economic climate).

After all, what are your alternatives?

To dust of your resume and start the job hunting process OR

Utilize your current licensure status and change your business
model?

The business is out there, in record abundance. The only realistic
option is to re-tool your thinking and provide yourself the education
to implement "a new plan" on competing for your "fair share" of the
pie.

Thousands of agents have done just that with our Certified
Foreclosure Specialist Training Manual, and they are succeeding (see
testimonials on web site).

The CFS Designation & Training will provide everything you need to
re-launch a new and highly profitable real estate career. You will be
expertly versed on the details of "how" to implement your newly
learned education from a marketing standpoint.

For very limited time receive $100 OFF by entering the following
code in the discount code box: thanks100

Foreclosure U
14165 James Road, Suite 110
Rogers, MN 55374
<http://www.foreclosureu.com>

Crisis On Main Street Press Release

Crisis On Main Street Press Release

Crisis on Main Street
PRESS RELEASE DETAILS

December 2, 2008
JCR Advertising and Production
19641 Descartes
Foothill Ranch, CA 92610
949-707-0500 Ext 219
kyle@jcradvertising.com

Crisis on Main Street Delivers Big for Loan Modification Companies Nationwide.

JCR Advertising announced the launch of ‘”CRISIS ON MAIN STREET” a 30 minute infomercial produced exclusively for Loan Modification companies back in October. This 30-minute infomercial features high impact segments on today’s foreclosure market and the benefits available through loan modification. Throughout the infomercial, current news clips from Senator Barack Obama, President George W. Bush, Federal Reserve Chairman Ben Bernanke, and Field Correspondents in New York and Washington DC provide the high impact content that makes CRISIS ON MAIN STREET so unique.

"The response continues to exceed even our expectations, says Dave Riemann, Senior VP, JCR Advertising. National as well as regional Lead volumes continue to deliver more qualified modifications for a lower deliverable lead cost, then any other source. We also just launched the Latino version of Crisis on Main Street with results that surpassed the general market. One of the benefits our clients see is that our 30 minute infomercial is supported with a program that allows Modification companies to ramp quickly. Our live 24/7 answering service and web site can process loan modification applications from simple pre-screened applications to full files with complete income, expense work sheets, DTI calculations and more. I don’t know of any other campaign that can be implemented in as little as 7-10 days that delivers immediate lead volume”

Loan Modification companies can participate with our CRISIS ON MAIN STREET locally or nationally, with a 7-10 day turn-around. CRISIS ON MAIN STREET is available on major broadcast TV stations, CBS, FOX, ABC, Fox Sports, Telemundo, Univsion, Azteca, plus national cable networks.

To schedule a web conference e-mail: kyle@jcradvertising.com or call 949-707-0500 ext 219 or visit JCR on line at jcradvertising.com.

About JCR Advertising: Founded in 1987, JCR Advertising is an industry leading, full-service agency specializing in Direct Response – TV Infomercial Production- TV Spot Commercials – Advertising – and Radio, Newspaper and Direct Mail Campaigns for clients throughout the United States, Mexico and Canada. JCR Advertisings' expert media and marketing teams provide campaign management and media placement services using advanced targeting applications and leading edge technology. JCR Advertising's unique integrated structure brings all advertising agency functions including market research, creative, TV production, media placement and results tracking all in house.

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