SHORT SALE
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SHORT SALE... THE MAKING MONEY SECRETS
REAL ESTATE INVESTMENTS; SHORT SALE, FORECLOSURE SECRETS REVEALED!

SHORT SALE: Advantage of short sale, it creates a win-win situation for everyone involved. The bank gets some money, but more importantly they keep
a non-performing loan off their books. The home-owner avoids foreclosure and saves his/her credit rating.
And you as investor you are the biggest winner of all,  walking away with ten of thousands of dollars in instant equity.
SHORT SALE FORECLOSURE SECRETS REAVEALED!
Anyone can do this regardless of age, gender, background, or education.

Real Estate bubble burst means  big money for short sale investor.

Imagine buying homes for 20 % to 40% less than is owed on them at NO RISK.
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SHORT SALE allows you  to buy as many properties as you want.
Flip them, Hold them, Rent them, Refinance them and make profits.

Think about making more money in one month than what most people make in a year. This is a
way to have  financial freedom, become debts free and be able to spend more quality time with
the family.  
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Regardless of how you use  the money, you can stop worrying about the future and have the
peace of mind knowing that you are building your financial security.

Real Estate Short Sale is a cash cow only understood by a handful of the most sophisticated real
estate investor
MONEY MAKING SYSTEM
This system shows you how you can make money
regularly from real estate short sale .
Investors have used this techniques successfully for long-
time and have made millions of dollars doing it.

So I can show you how you can do the same-thing and
make extraordinary amount of money.
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WITH THE MONEY MAKING SECRETS
We can show you how to pick up homes every month for
pennies on the dollar before they ever go to foreclosure.

There are no other investments where you can ten times
your money just a few months. This quite possible and
easy.

Why would bank sell you a $300,000 note for just
$200,000 is just because they must avoid foreclosure at
all cost and Here’s why: When bank forecloses on a home
it becomes a non-performing loan.
This affects the amount of money a bank can borrow
from federal reserve bank.

BUYING, SELLING, LEASING REAL
ESTATE IN SOUTH FLORIDA.
CALL AT:
I engaged daily in the world of financing, mortgage and loans, which means
that I know where to get the best tares, I know who is offering the best
products and conditions and generally where it’s advantageous to apply.
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Mortgages and real estate  are nothing but negotiation!
There is no fair deal, there is only great negotiation.
You get what you negotiate. Negotiate or be eaten alive!
HOW TO BUY SHORT SALE PROPERTIES?
HOW TO INVEST IN REAL ESTATE SHORT SALE AND MAKE
BIG PROFIT?

Prepare the Seller for Lender Demands
A lender is not going to agree to a short sale unless the
seller has no equity and is unable to repay the difference
between your sales price and the existing loans. Sellers
need to provide a hardship letter to the lender. Sellers may
also owe taxes on the amount of debt that is forgiven.
A seller I know once demanded that the buyer slip the seller
$1,000 to be given the right to purchase the seller's
property. We said no. This is fraud. The lender legally
pursued that seller. Do not be lured by sellers who suggest
this practice. In a short sale, the seller receives no money
because the lender is losing money.

Submit Documentation & Purchase Offer to Lender
Once the seller has accepted your offer, send it to the lender
for approval. You do not have a deal until the lender accepts.
Also, send the lender a copy of your earnest money deposit.
Do not be astonished if the lender asks you to increase it.
In addition, the lender will want to see that you have your
own loan available and you are preapproved. Send a
preapproval letter to the lender. It will help if your agent
sends a list of comparable sales that support the price you
are offering to pay for the home.

Give the Lender a Deadline
Make your offer contingent upon the lender's acceptance.
Give the lender a time frame in which to respond, after
which, you will be free to cancel. If the lender is under no
pressure to make a decision, the paperwork will sit on an
underling's desk.
Some lenders submit short sales to committee, but most
can make a decision within two to three weeks, providing
you have submitted the offer to the individual in
decision-making capacity. Get a name and phone number
for the appropriate contact at the lender. Don't send an offer
blindly to a department.

Expect Commission Negotiations
Regardless of the commission the seller has agreed to pay,
the lender is actually the entity paying the commission. The
reason is the seller is not receiving any money with which to
pay a commission. Since the lender is losing money, the
lender will likely negotiate the commission directly with the
listing broker, who will then share the commission with your
agent.
If you have signed a buyer's broker agreement with your
agent, ask if the agent will waive the difference due or you
might have to pay it out of your pocket. Some brokers feel it
is unfair to penalize the agent, but the lender is calling the
shots.

Reserve the Right to Conduct Inspections
Generally, the lender will not pay for customary items that a
seller would pay. These include home protection plans for
the buyer, buyer credits of any kind and pest / termite
inspections. A buyer will be asked to purchase the property
"as is," which means no repairs.
It is extremely important that a buyer obtain a home
inspection and pay for other types of inspections such as
pest, roof, sewers, septic tanks, chimney or fireplace
inspections. Do not waive your right to obtain these
inspections and make your offer contingent on approving
them.
I am committed to excellent service and making your real estate
experience the best it can be!
REAL ESTATE INVESTING SERVICES; ACQUISITIONS, SELLING, CONSULTING.
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ACQUISITIONS: We will help you  find excellent properties in the area you prefer for the price
you can afford.
--------------------------------------------------SELLING: We will help you sell your property, Fast & Quick for
the top price.
CONTACT US…
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INC.
We take the time to analyze every individual  situation and
needs to find the best mortgage loan.

Whether you’re a first time home buyer or an experience
buyer, we work hard  to find you the home loan you desired.

CALL ANTONY AT:
I am committed to excellent service and
making your real estate experience the best
it can be!
REAL ESTATE INVESTING SERVICES;
ACQUISITIONS, SELLING, CONSULTING.

ACQUISITIONS: We will help you  find
excellent properties in the area you prefer
for the price you can afford.
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SELLING: We will help you sell your property,
Fast & Quick for the top price.
CONTACT US…
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CONSULTING: We will help you in making
decision to invest in real estate.
We provide excellent service and making your Real Estate experience a
successful one.

With us you get the privilege to have a wonderful agent providing exceptional
real estate service  which made purchase and selling properties  a
rewarding experience.
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A Realtor’s strict adherence  to code of ethics ensures that your transaction
will be handled in a professional manner and I pledge to act in the best  
interest of all my clients.   
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Real Estate Short Sale: Methods, Techniques, and Strategies to win the battle of foreclosure; or to invest and a fortune. The most
important steps in real estate short sale!
A step by step guide to gaining control of your financial life.
Setting priorities
Here's help for the first -- and often the hardest -- step in achieving your financial goals: deciding which goals to
pursue.
LESSON 2
Making a budget, saving money
How to bring your spending under control, so that you get the most out of every dollar.
LESSON 3
Basics of banking and saving
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Basics of investing
An introduction to making money in stocks, bonds and mutual funds REIT'S, real estate.
LESSON 5
Investing in stocks
The market can be a great place to turn savings into wealth -- or to lose your shirt. Here are some fundamentals of
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It's a mutual-fund jungle out there. Here's how to create a simple portfolio that works.

LESSON 7
Investing in bonds
Bonds can provide a steady and reasonably secure income, while adding ballast to your portfolio--but only if you
really understand what you're buying.
LESSON 8
Buying a home
Owning your home is part of the American Dream, but if you’re not prepared, buying it can be a nightmare. Here are
some fundamentals for buyers and sellers.
LESSON 9
Controlling debt
You've got to know when to hold debt--and when to fold it. This lesson shows you how to accomplish your financial
goals by making debt work for you.
LESSON 10
Home Selling
WAYS TO SELL A PROPERTY FAST AND EASY FOR THE TOP PRICE!
Selling a home is a big decision and requires a lot of work. From getting the house ready to reviewing the escrow
papers, our helpful guide will walk you through the process of selling your home.
LESSON 11
INSURANCE
Health Insurance, Life Insurance, Home Insurance, Car Insurance
Great things to know about insurance

Buying a car, Auto loans. Great things to know:
Buying a car is like no other shopping experience. The choices seem to be endless. This lesson helps you sort
through your options.

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STARTS RIGHT NOW.
It's a fact: today, anyone can become a millionaire
–  In the history of the world, there has never been
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COMMERCIAL REAL ESTATE; A BETTER WAY TO INVEST AND GET RICHER!  
MULTI-WAYS TO WIN BIG IN REAL ESTATE.

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REAL ESTATE SHORT SALE INVESTMENTS

How to buy from sinking homeowners?

Today's tough market is encouraging more short sales, in
which sellers avoid foreclosure and lenders OK reduced
mortgage payoffs. For buyers, there are both deals and
pitfalls.


There are few active buyers in the real-estate market these
days, but every one of them seems to be looking to buy a
foreclosure or a short sale.

Foreclosure is a fairly well-understood process, but as
"short-sale" signs sprout like weeds, you may wonder what
they're all about.

When a lender agrees to accept a mortgage payoff amount
less than what is owed in order to facilitate a sale of the
property by a financially distressed owner, it's called a short
sale. The lender forgives the remaining balance of the loan.


Short Sale
The lender will take a financial loss but perhaps not as large
as it would have if it had foreclosed on the property.

Further, there are two situations in which an attempt at a
short sale is almost certain to fail:

No default on loan. Lenders almost never will accept
short-sale offers or requests for short sales until the
borrower is far behind in payments and a notice of default
has been issued.

Bankruptcy. If the seller has filed for bankruptcy, forget it.
Few, if any, lenders will consider a short sale when the
seller has filed for bankruptcy because negotiating a short
sale is considered a collection activity, and collection
activities are prohibited in bankruptcies.


Short Sale
You can get the property for a substantial discount. Because
the lender is eager to get back as much of the money it lent
out as it can, you may also get favorable financing terms.
Short Sale
You may have become aware of the distressed situation on
a property through an agent, a for-sale-by-owner ad or word
of mouth, but this is not a do-it-yourself project. A short sale
is one real-estate deal where you really need help from an
experienced agent or attorney.

Why lenders (might) agree
It might seem counterintuitive for a lender to go along with a
short sale. After all, a lender is legally entitled to pursue the
full balance of the loan. When a homeowner falls behind on
payments, the lender can (and often does) hold the borrower
responsible for every penny owed.

Foreclosure is an expensive and time-consuming process
for a lender. By agreeing to a short sale, the lender wraps up
its little mess quickly and perhaps with a smaller loss than
in a foreclosure.

Remember that after foreclosing the lender owns the home
and has to maintain it, insure it and pay taxes on it. So
instead of receiving payments each month, the lender is
now forking out money every month. Plus, short sales help
the lender look good on paper -- the property never gets
listed as an actual foreclosure, which helps the lender's
numbers. Lenders often see short sales as the lesser of two
evils -- if the numbers make sense for them.
10 steps to follow
1. Identify potential short sales.

Locate properties in your area in danger of
foreclosure. You can use an online database,
search courthouse listings and legal ads or tap
an experienced real-estate agent as a buyer's
agent.

First, try to determine how much is owed on the
house in relation to its approximate value. If the
amount owed seems high, the property is a good
candidate because it indicates that the seller
might have trouble selling it for enough to satisfy
the loan. Pass on those in which the owner has a
lot of equity in the home; the lender likely would
prefer to foreclose and resell nearer the market
price.
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2. View the property.

Gauge its condition and come up with a rough
estimate of how much it's going to take to repair
or renovate. If it needs work, many "normal"
buyers won't consider it, which is good for you.
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3. Do your research.

What is the property worth? What's the profit
potential? If you're an investor or even a
homeowner planning to live in the home a short
time, you'll want to profit from the deal.
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4. Find all liens and mortgages.

Ask the seller or his agent what liens are on the
property and which lender is the primary lien
holder.
8. Assemble the proposal.

The proposal generally consists of a package of
materials, including the application and
authorization letter, plus:

A purchase and sale contract -- signed
by you and the seller -- to buy the property for
a specified price. The lender is not going to entertain
tentative offers. You're not going to get the chance
to ask the bank, "Would you take X number of
dollars?" In most cases this also means posting a
sizable amount of money to demonstrate your
desire and ability to go through with the transaction
if it is accepted.

If you can't make a sizable down payment, the
lender has no reason to believe you can do any
better than the last owner. It's also very important to
the buyer that the contract be contingent upon all
lenders approving the short sale in writing.

A hardship letter. It's important to remember
that a lender will not even discuss a short sale until
the homeowner has fallen behind on payments --
usually 90 days. The lender must be convinced
taking a smaller loss now is better than a bigger
loss later.

To make that case, start with a letter written
by the seller giving an overview of the seller's
desperate situation. The lender must recognize the
seller's inability to pay the loan -- immediately and in
the foreseeable future -- and that the situation is
irreversible.

The seller should supply as much evidence and
documentation as possible, such as divorce papers,
evidence of job loss, delinquent accounts, utility
shutoff notices, car repossession paperwork, the
last two years' tax returns, recent pay stubs and
recent bank statements. If the lender thinks the
seller has money or assets stashed away, it will
never go along with a short sale.
A statement of the property's value. This
can be an appraisal or a broker's price opinion. The
lower the estimate of the property's current market
value, the better it will be for you. You want to show
the lender that the seller would not be able to get
enough for the home via a normal sale to satisfy the
loan. Compile a list of all the negatives and problems
of the home that negatively affect the value and
make it undesirable to the average buyer and
tougher for the lender to resell.

If the lender realizes the property will bring it nothing
but headaches, it will be more likely to OK a short
sale. MortgageReliefFormula.com's Geller, who has
participated in hundreds of short sales, says this
step is critical and advises taking it before the
lender does a valuation.

"There are ethical and legitimate ways to get a low
valuation, and if you show this to the lender to start
with, your offer won't look so low," he says. Geller
adds the offer to the lender can be below the
amount of valuation. "The offer can be 85% in areas
that are slow but not terribly distressed and as low
as 50% in really distressed areas."


A detailed report of the costs and
liabilities. You want to show the lender it would be
much better off letting you take the property off its
hands. If you can convince the lender the home is a
money pit, all the better.

Take photos of any damage and get
estimates of the repair costs. Note: This is
also a good opportunity for you to take an honest
look at the property and decide if you are willing and
able to invest the time and money required to fix it
up. Remember:

A short sale is always an as-is sale. The
lender is not going to pay for or otherwise be
responsible for any repairs. But if the lender
forecloses, there's a good chance it will be forced to
make repairs just to get the house resold.


A settlement statement. This statement
(which can be prepared by a closing agent or
real-estate lawyer) outlines the purchase price, the
closing costs and any other costs or fees involved in
the transfer of the property. Often referred to as a
net sheet, the information can be entered onto a
HUD-1 Settlement Statement to show the final,
negative result at closing.
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9. Negotiate.

It's not uncommon for the lender to reject your offer
or to come back with a counteroffer. As with any
real-estate transaction, you should figure out
beforehand what your absolute highest limit is and
not be afraid to walk away if the lender won't meet
your figure.
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10. Seal the deal.

Once you've reached an agreement that all three
parties (you, the seller and the lender) are OK with,
get everything in writing and officially recorded.
Make sure the seller understands all the terms of
the deal. Next comes the closing, then the property
is yours.