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MORTGAGE HOUSE: HOW AND WHERE TO FIND MONEY TO BUY A PROPERTY? Financing your real estate investment; easy
steps, fast & simple.
FINANCING YOUR REAL ESTATE INVESTMENT           {HOW AND WHERE
TO FIND MONEY TO BUY A PROPERTY}

The most important thing you need to know is that there is plenty of
money out to fund real estate deals-----you just need to be able to find it
an ask for it.

Many people can be surprised when they realize how much they actually
have in the way of assets that can be used to invest:

First place to look is:  your own checking / saving account,

Second, take a look around your home to find valuable items that you
don’t use and you are not going to use them. Sale them use the cash
toward purchase

Third, if you own a property; consider using the equity to invest and
build a fortune by doing a refinancing with cash out, taking a home equity
loan, or line of credit

4th- If you have a life insurance policy with cash value, consider
borrowing against it. First it is your money, why not using part of it while
you are alive

5th- Family and friends: you may have family and friends who would be
willing to put up all or part of the cash you need to do a deal in return for
a share of the profits.

6th - Bank, Saving and Loan Association, Credit Union are the lending
institutions people are most familiar with.

7th- Mortgage Brokers  are essentially a serious matchmaker between
borrowers and lenders. CALL Mr. ANTONY AT: 786-709-6577 A good
mortgage broker knows what lenders want and how to match your deals
with the right funding source. A good mortgage broker  will help you put
together the loan package and may even assist in structuring the deal.

I engaged daily in the world of financing, mortgage and loans, which
means that I know where to get the best rates, I know who is
offering the best products and conditions and generally where it’s
advantageous to apply  
CALL AT:  786-



8th Credit cards: That’s the only way and also the best, the smartest way
I can suggest someone to use their credit cards: is to use the cards to
borrow money to help you make more money.

9th- Hard money and private money lenders: Hard money lenders
typically lend on the value of the property without much regard to the
credit scores, creditworthiness of a borrower. Mortgage brokers may
also have access to many hard money lenders.

Private money lenders are exactly that: a private entity, either an
individual or a partnership, that is willing to lend money to fund your
deals

10th- Partners: Form a partnership with someone who is willing to put up
the money while you do the work. A partnership can consist of two or
more people. Potential partners are virtually everywhere.

11th- Seller financing:  Ask the seller if he will be willing to finance all or
part of the deal. By holding the note in the transaction

12th- Construction loan: If you own a lot, you can get a construction loan
to build on it.
This loans work this way: You submit estimates for the cost of building
the house or whatever you’re building. The lender approves the total
loan amount and advances the money in increments as the construction
progress.

13th- Rehab loans: The purpose of a rehab loan is for rehabilitation and
renovation of an existing property or for a property you are about to
purchase.

14th- Government Housing Assistant: You can take advantage of local
programs that provide subsidy dollars for down-payment and closing
cost for first time home buyers.

15th IRA-- Individual retirement account: You may be able to use those
funds for your real estate investments since there is no tax, no penalty
for this kind of early withdrawal on IRA account.

16th -401K---Also no tax, no penalty for early withdrawal to invest in real
estate. PLEASE CHECK WITH A CPA FOR MORE INFORMATION

FOR MORE INFORMATIONS CONCERNING GETTING FINANCE TO INVEST
IN REAL ESTATE:

-CONTACT COMMUNITY REINVESTMENT AGENCIES

-CONTACT LOCAL REDEVELOPMENT AGENCIES

-CONTACT HABITAT FOR HUMANITY OFFICE

-CONTACT: C.R.A. BANK OFFICERS

-CONTACT MORTGAGE BROKERS

-CONTACT YOUR LOCAL HOUSINT AUTHORITY

-CONTACT YOUR STATE’S HOUSING FINANCE AGENCY
Pre-qualification - Pre-Approval gives you
Negotiating Power:

Because you're pre-approved, you'll be in
a
much stronger position in negotiating and
presenting your offer to the seller. Sellers
are
much more likely to consider your offer
first...
because your loan is already approved.
They
know you're ready to buy.

Teamwork: Your Realtor will be motivated
to
work harder for you. Again, because your
loan
has already been approved, your Realtor
will
know exactly how much you can afford to
spend. So they can search far more
effectively
for just the right home.

LET ME BE YOUR REALTOR;
CALL 786-- Fortune Int. Realty
Pre-Approval gives you Assurance:

Pre-Approval Plus will help you be more
efficient in your personal search for a
new
home, too. When your loan is approved,
you'll
get a certificate and written loan
commitment
from us. This tells you the maximum
amount
you can borrow. Finding your new home
will be
much easier when you know the price
range
of home that fits within your budget.

Finalization: Pre-Approval Plus saves
you time.
has been accepted by the seller, you'll
be able
to close the sale within days rather than
weeks.
How Pre-Approval Plus works

Pre-Approval  is available on any of our
regular
mortgage programs including fixed and
adjustable rate loans.
All you have to do is select the house
you want
and enter into a valid purchase
agreement.

CALL AN EXCELLENT MORTGAGE
BROKER FROM VISION MORTGAGE
BANK AT:786-
We specialize in real estate
financing , mortgage and loans,
home refinancing, home equity.

If you just only thinking abouCt
real estate, we assure you
that  
we can fulfill your need .

You can count on us, we will
assist you throughout the home
buying process,

We will work hard to get you a
mortgage loan to fit your need
according to your situation.

We will provide you all the
information you will need  to be
successful in your transaction

We guaranty you complete


CALL: 786-709-1531
HOME BUYING---- Let
us help you purchase
your
property  in the area you
prefer for the price you
can afford.

BUYING, LEASING, {RENT
TO OWN}

WE OFFER: FREE CREDIT
REPAIR HELP FOR
PROSPECTS

FINANCIAL HELP IS
AVAILABLE FOR BUYERS

CONTACT Mr. ANTONY
AT: 786-

WE'RE LICENSED, WE'RE
COMPETENT, AND WE'VE
EXTRAORDINARY SKILLS,
KNOWLEDGE AND
EXPERIENCE TO HELP YOU
FIND THE BEST DEALS!
MORTGAGE HOUSE
HOW TO OBTAIN FINANCING TO PURCHASE A
PROPERTY?

There are different ways to obtain finance to
purchase a property:
1-Borrowing money from family members
and friends,
2-Get money from your saving account
3-Take out money from your work saving
plan, like 401-k with no withdrawal penalty,
free of tax
4-Get money from your life insurance [cash
value plan]
5-Sell stocks, bonds, mutual funds [TAX
FREE]
6-Apply for private and government grants
7-Apply in your State, County housing
programs
8-Use letter of credit
9-Use commercial line of credit
10-Get a mortgage loan from a financial
institution
11-Get seller financing
12-Hard money lending   
REASONS TO GO WITH US:

We charge less fees than any other  
mortgage firm, or
lending institutions

We carefully shopping for your mortgage
loan to get you
the best  interest rate possible

We’re loyal, we’re competent, and we
have
experience

We keep you inform, and we make sure
you
understand
the entire process
With us you will never get overwhelmed
by
the home
buying process
MORTGAGE LOAN/ REAL ESTATE FINANCING &
REFINANCING

WE ARE HERE TO HELP/ VISION MORTGAGE BANK

WE HAVE VARIOUS PROGRAMS AVAILABLE FOR
FIRST TIME HOME BUYERS.

WE CAN HELP YOU PURCHASE YOUR HOME AT A
VERY COMPETITIVE RATE.

WE CAN HELP YOU REFINANCE YOUR EXISTING
HOME AT YOUR ADVANTAGE.

WE CAN HELP YOU CASH OUT YOUR HOME
EQUITY.

WE CHARGE LESS FEE THAN ANY OTHER LENDING
INSTITUTIONS OR MORTGAGE FIRMS.

WE'RE COMPETENT, EXPERIENCED, AND LOYAL.

WITH US YOU CAN EXPECT GOOD SATISFACTION,
BETTER INTEREST RATES.
REAL ESTATE
WANTED
Private Investors Want
Commercial Properties.
Will Look at all  income
producing properties.
We pay cash or terms,
We pay for referrals.
CLICK HERE TO
CONTACT US...
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WANT RIGHT HERE!
IF YOU NEED HELP TO SELL YOUR REAL ESTATE PROPERTY IN SOUTH FLORIDA; PLEASE CALL ANTONY A
PROFESSIONAL REALTOR.  --- F. Int. Realty
REAL ESTATE FOR SALE, SEE THE ACTUAL LISTINGS NOW!
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us & get immediate help!  --- We're Licensed Realtor & Licensed Mortgage Broker.
WHAT GUIDELINES ARE REQUIRED FOR A MORTGAGE LOAN?
Mortgages are used by individuals and businesses wishing to make
large value purchase of real estate without payment the entire value of
the purchase up front. Mortgages are also known as lien against
property, or claims on property. Mortgage is a legal agreement that
creates an interest in a real estate property between borrower and the
lender.

HOW TO UNDERSTAND THE HOME LOAN PROCESS?
Understand that in order to finance or refinance a loan the lender
requires documentation to verify and substantiate your employment,
credit and financial situation to assure its investors
that you have the ability to repay the MONEY


MORTGAGE LOAN MODIFICATION PROGRAMS; AN ALTERNATIVE TO
REDUCE MONTHLY MORTGAGE PAYMENT, TO AVOID FORECLOSURE,
TO SAVE YOUR CREDIT RATING, TO SAVE YOUR PROPERTY.

REVERSE MORTGAGE
NO MORTGAGE PAYMENTS EVER AGAIN: IF YOU OWNED A HOME AS
YOUR PERSONAL RESIDENCE.
TO IMPROVE YOUR QUALITY OF LIFE AND LIVE WITH NO STRESS!
IF YOU'RE 62 YEARS OF AGE OR OLDER, YOU CAN ACHIEVE THIS,
THROUGH A REVERSE MORTGAGE, REGULATED BY THE U.S.
GOVERNMENT.

FINANCING YOUR REAL ESTATE INVESTMENT; BUYING YOUR FIRST,
SECOND, AND OR THIRD PROPERTY. HOW AND WHERE TO FIND
MONEY? CLICK RIGHT HERE!

FHA: F H A MORTGAGE LOANS, THE GOVERNMENT IS THERE TO HELP
YOU PURCHASE YOUR HOME. PLEASE CONTACT US WE WILL SHOW
YOU THE  WAY .

MORTGAGE LOAN PRE-QUALIFICATION, LOW INTEREST RATES,
8 Reasons to Get Pre-Approved for a Home Loan
Learn why pre-approval is one of the smartest moves you can make
when shopping for a home


FINANCING YOUR REAL ESTATE INVESTMENT; BUYING YOUR FIRST,
SECOND, AND OR THIRD PROPERTY. HOW AND WHERE TO FIND
MONEY? CLICK RIGHT HERE!

RENTAL PROPERTY / COMMERCIAL REAL ESTATE / COMMERCIAL
LEASE Tips for Making Solid Business Agreements and Contracts
Mortgage Home Loans Pre-qualification Made Easy: Conventional Loans, VA Loans. Here are the basics
for getting your financing.

STEPS1
Find A MORTGAGE BROKER AT (786)  {SOUTH FLORIDA}
Step Two-----------------------------------
Fill out a loan application.
Step Three-------------------------------------
Get an estimate of closing costs  FROM VISION MORTGAGE BANK .  The mortgage firm or the lender is required to provide this
statement to you within
three days of receiving the loan application. Make sure to ask what type of loan program your lender has selected for you, including the
rates, terms and any special
information, such as prepayment penalties.
Step Four--------------------------------
Compare costs, fees and terms of loans if you are working with more than one lender. But it's even better to have a mortgage broker.
Step Five-------------------------------
Negotiate fees. Sometimes you can negotiate the amount of fees or loan points (a point is 1 percent of the loan amount) the lender
charges you.
Step Six----------------------------------
Talk to your mortgage broker to consider lowering your interest rate by paying more points. The relationship of interest rate to points
paid is an inverse one; the more
points you pay, the lower the interest rate.
Step Seven---------------------------------
Provide required documentation.
Step Eight-----------------------------------
Pay any up-front fees. Sometimes the lender requires that the appraisal, credit report or processing fee be paid at the beginning.
Step Nine-------------------------------------------
Review loan papers. Approximately one week prior to closing, loan papers will be ready for your review. Make sure the loan matches
the original quote you were given.
Step Ten----------------------------------------------
Sign your loan papers and deposit your down payment funds into your account four to six days prior to closing.
Step Eleven-------------------------------------------
Bring a cashier's check for the down payment to the title company, escrow company or attorney handling the closing. The lender will
send the title company a check for the
loan amount.
Step Twelve----------------------------------------
Get ready to congratulate yourself. Once the transaction closes and you have signed off on all contingencies, and received a copy of
the deed and a set of keys, you own
the home.
IF YOU NEED HELP TO SELL YOUR REAL ESTATE PROPERTY IN SOUTH FLORIDA;  ANTONY A PROFESSIONAL
REALTOR IN SOUTH FLORIDA -- F. Int. Realty
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IF YOU NEED HELP TO SELL YOUR REAL ESTATE PROPERTY IN SOUTH FLORIDA;

CALL Mr. ANTONY A PROFESSIONAL REALTOR.  AT:  786- -

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'INVESTMENT & FINANCE:  METHODS, TECHNIQUES, AND STRATEGIES. WHERE, WHEN, HOW TO INVEST?
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Top 10 Home Buying Mistakes To Avoid--  
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REAL ESTATE: BUYING, SELLING, LEASING A PROPERTY IN THE
SOUTH FLORIDA AREA IS THE AFFAIR OF A REAL ESTATE
PROFESSIONAL.

If you are looking for a Realtor that gives first class care, attention and
service.
CALL  ANTONY AT: 786-
We are always there for all our clients in every possible way to
maximize their dreams. I always felt that servicing my clients is a top
priority that’s why I make available seven days a week to
accommodate clients needs.
''Mortgage Home Loans Pre-qualification Made Easy:
Conventional Loans, VA Loans,
USDA Home Loans, FHA Mortgage Loans. How to Get
Pre-Approved for a Mortgage Home Loan....
http://www.knowledgefinancial.blogspot.com/
'' Mortgage Home
Loan Pre-Approval
Process Made Easy
By Anthony Jeanty
From: Buy Here
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'' Mortgage
Pre-Approval Q&A -
Getting Pre-Approved
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Pre-Approval Process Made
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'' Mortgage Pre-Approval Q&A
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Custom Search
Top 10 Creative
Financing
Techniques


Sometimes a loan from your bank isn't going to
meet your needs. Below are ten techniques to
get your creative financing wheels turning!

Interest-only loans — If you
are an investor looking to purchase, rehab, and
sell a property quickly, an interest-only loan
may make sense.

This financing allows you to make small
payments at the beginning of the loan, leaving
more money for renovations. When you sell the
property for a profit, you can pay off the loan in
full, having paid only a small amount of interest.

Seller carry-back — Also known
as owner-financing, the seller of the property
agrees to finance the property outright. They
transfer the title to you in exchange for a
promissory note and deed of trust for the full
purchase price of the property.

Seller second
mortgages — If the buyer can obtain
a loan, but not for the full price of the property,
sometimes a seller second mortgage is what is
needed to make the transaction possible.

In this case, the bank mortgage pays the seller
for the bulk of the amount owed (for example
80 percent), and the seller deeds the property
to the purchaser in exchange for a promissory
note for the amount of the balance remaining
(in this example 20 percent).

Contract for deed — Similar to
seller carry-back, a contract for deed is another
method of owner- financing. The difference
under a contract for deed is that the seller
retains title to the property until the mortgage
has been paid in full.

Private mortgages — Private
mortgages work like mortgages from a bank,
but since the lender is an independent entity,
they can follow different guidelines for lending.
Interest rates are often higher, but this creative
mortgage technique allows more borrowers to
qualify for a loan.

Assume payments — If you
can find a seller who needs to sell a property
quickly and has financing in place, you can
assume the seller's payments, often with little
or no down payment.

Short sales — A short sale is when a
seller markets the property for less than the
amount owed against it and the lien-holder
agrees to accept that amount as payment in full.

This is often done to avoid the credit
implications and costs of foreclosure.
Purchasing short sales allows you to purchase
property at a discounted price. The resulting
immediate equity in the property makes this a
wonderful creative financing strategy!

Lease options — A lease option
allows the buyer to rent the property for a
given amount of time, with a portion of their
rent credited toward the purchase price of the
home. At the end of the lease, the buyer has
the option to purchase the property at the
amount agreed upon when the lease was
created.

Retirement accounts —
Most retirement accounts will allow you to
borrow from yourself and repay the funds over
time at a low interest rate. What a great creative
financing resource!

Loans from family and
friends — Friends and family may be
willing to invest in your business in the form of
personal loans. Talk to the people around you,
share your enthusiasm and your needs, and
perhaps "Aunt Jan's" loan will be the next
option in your creative financing approach.
10 Tips for Writing
Winning Purchase Offers
in a Seller's Market

Seller's markets exist when there are a lot of buyers
competing for a low inventory of active listings. It’s not
unusual for a home with all the bells and whistles to draw
offers from more than one buyer.

When this happens, the home often sells for more than list
price. But price isn’t everything to a seller.
There are other factors. If you are trying to buy a home in a
seller’s market, here are 10 tips to help you write that
winning purchase offer and beat out the competition.

1
Submit a Preapproval Letter With Your Offer

A lender’s letter that says your credit rating has been
examined and you can afford to buy the home carries a lot of
weight. It tells the seller that you are serious and qualified. It
says you are ready to buy and have already committed to
lender. If the seller has a higher offer from a buyer without a
preapproval letter, your offer will likely win.

------------
2
Hire an Assertive Real Estate
Agent

An agent who constantly combs the marketplace and
networks with other agents is more likely to get a lead on
your new home before anybody else, which is why you need
to hire a good agent.

When a young nurse was ready to buy a home she had just
toured over lunch, her agent insisted they write the offer on
the hood of her car.

Then the agent called the listing agent from her cell. She
persuaded that agent to drop what he was doing and join her
at his seller’s home to present the offer. The nurse’s offer
was accepted that afternoon.
-----------
3
Write a Friendly Offer

Don’t include demands in your offer that are likely to irritate
or anger the seller. If it is customary in your area for the
buyer to pay for her own title insurance policy, don’t ask the
seller to bear that cost. If most buyers demand possession at
5:00 PM on the day of closing, show that you are different and
be generous by giving the seller two or three days to move
out.
---------------
4
Put Your Best Foot Forward

Simply put, this means write your very best offer. You might
get only one chance to make an impression on the seller, so
don’t make a low offer hoping the seller will give you a
counter offer. If the seller has received multiple offers, the
low offers most often are not even considered. They are
shoved into the rejected pile. Figure out the top dollar you
are willing to pay for the home and offer that price.

5
Put Down a Healthy Earnest
Money Deposit

A larger earnest money deposit shows you are serious and
are willing to put your cash on the table. Sellers will feel you
are more committed with, say, a 3% deposit than 1%, meaning
if a home is listed at $300,000, don’t offer a $500 deposit. The
seller could feel you have nothing at risk and could walk
away from the transaction at will. A deposit of $5,000, $10,000
or $15,000 says “I am committed to buying this home.”

6
Cash Talks

If you are able to pay “all cash” for a home, say so. Although it’
s always “all cash” in the end to the seller, even if the buyer
obtains a loan, a transaction that is not dependent on
receiving loan approval is more attractive to a seller.
7
Shorten Inspection Periods

Many standard real estate purchase contracts give the buyer
X number of days to perform inspections before the buyer is
required to proceed with the transaction. If the default in
your purchase contract is 17 days, try shortening that time
period to 10. By federal law, unless you specifically waive
your right under the Lead Paint Disclosure, you have 10 days
to inspect the property for signs of lead paint contamination.
8
Waive Some Contingencies

If you have spoken to your legal advisor and feel comfortable
risking your deposit, you might want to consider waiving
contingencies such as those for loans, appraisals or
inspections. However, there are risks. If you waive an
appraisal contingency and the home appraises below your
sales price, you will need to make up that difference in cash.
But without some contingencies, your offer will be more than
solid than a competitor’s.
9
Write the Seller a Letter

If the seller has eight offers on the table but your offer
includes a letter that is personally handwritten by you, your
offer will stand out. In your letter, you will want to appeal to
the seller’s emotions by explaining why you are in love with
her home and list all the reasons why your offer should win. If
you can evoke tears of joy or induce empathy from the seller,
your offer will likely win.
10
Offer to Close Quickly

Unless there are extenuating circumstances, many sellers
prefer to close within 30 days or fewer. If you can offer a 21-
day closing time frame, that might be more important to the
seller than an offer for more money and be just the edge you
need to beat out the competition.
Custom Search
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