http://www.wannanetwork.com Latest Entries. http://www.wannanetwork.com/blog/view/?ID=7878 Jaredmw1 08/28/2008 Property sitting on the market too long? Agents are encouraged to introduce the idea of seller financing to all the FSBO's out there. So MANY  do-it-yourself sellers have no clue on how to properly sell their home, and when it sits on the market, they wonder why. You can't save enough in commissions than hiring an expert.A great angle to take when calling FSBO's is to "advise" them on offering their property using seller financing. By a seller offering this creative way of selling their property, the seller is saying that they will finance the deal after the buyer pays the standard 5% to 10% down payment. This will attract a large pool of buyers that do not have the best credit score to obtain a mortgage privately through the seller and not have to go to a bank.This is a win-win-win for everyone involved. Why?1) The seller has sold his/her property quickly2) The agent who advised the seller on offering seller financing has given the listing to that agent.3) Once the deal is done, the seller can sell his future cash payments on the note for a lump sum of cash.There are literally billions of dollars of seller financed notes in the marketplace. More so now then ever before due to the overwhelming inventory. Essentially, sellers almost need to offer seller financing during these times. It's the way to go!!  http://www.wannanetwork.com/blog/view/?ID=7877 ShortSale 08/27/2008 This message is to homeowners in Florida who are upside down and/or to the real estate listing agents who are representing homeowners who are upside down.I am a buyer of Florida short sales.I own a loss mitigation company that works the short sale for you, so that you don't have any of the headaches in dealing with the lender/bank.If you would like to talk to me about purchasing your Florida short sale, then call me at 702-430-9390 and mention this post.Paul at BrokenCredit dot comhttp://www.BrokenCredit.com http://www.wannanetwork.com/blog/view/?ID=7876 cashflows 08/27/2008 ATTENTION!!!! All Entrepeneur who want to explode their business orget started in their who own business right now!Don't miss a LIVE Information Call tonight where owner, John Breck,explain the details on how to:>Triple your cashflow overnight in your current business>Earn.$2000-$5000 weekly referring others to our massive actioncalling system>Have dozens of highly qualified prospects calling you about yourproducts and business>Use an automated information system that has people reviewing yourinformation immediately>Live support and training on how to increase sales and profitsLive Information Call tonight! (Mon-Thurs)Time: 10 pm ESTConference Number: 1-419-400-0203 Ext. 783362OR call 24/7 Replay line: 1-618-355-1965Get signed up at http://topdawg.ibuzzpro.com  Are you a Professional Networker or an amateur?Learn to Earn 6 figures from someone who has done it in 2 programs at the same time http://www.wannanetwork.com/blog/view/?ID=7875 sevenint 08/27/2008 "When a home goes into a foreclosure, owners still have a window of opportunity in which they can sell the home. By selling, rather than a foreclosure, the effects aren't so detrimental. That's one of the reasons the site www.investorsclassifieds.com began - to help frantic owners promote their property and sell quickly."Phoenix, Ariz. (PRWEB)  -- More families than ever are facing foreclosure on their homes, a red mark that can't easily be removed from their credit history. The good news is there is a way to avoid the financial ramifications caused by a home foreclosure.When a home goes into a foreclosure, owners still have a window of opportunity in which they can sell the home. By selling, rather than a foreclosure, the effects aren't so detrimental. Ken Spohn of www.investorsclassifieds.com, offers the reason why so many more homes today are heading toward foreclosure than in recent years."Simply put, too many home buyers trusted their loan officers," states Spohn.He explains how the sudden rise in interest rates for people who have ARMs (adjustable rate mortgages) have caught them off guard. Many times the substantial increase in their house payments has left making the payments impossible."Sadly, many buyers didn't known what they what they were getting into," he adds. "They thought they were buying the American dream with a low introductory rate, but in truth, they made a deal with the devil. Now that their mortgages are starting the adjustable period, rates are higher and at prices they can no longer afford."According to Spohn, if you plan to sell your home to avoid foreclosure, you need to consider where to sell the home and how you go about it because it makes a difference."If you're going into foreclosure, don't list your property with a Realtor," he stresses. "Many people make this mistake. A Realtor simply doesn't have the time to sell your home prior to foreclosure proceedings. Also, understand that you won't get the full value for your property. If you can come to terms with that, then you'll be much further ahead of the rest of the people in foreclosure."When asked about why a Realtor lacks the time Spohn explains, "A home listed with a Realtor is usually on the market for 60 days, if not more, before finding a potential qualified buyer. From that point, it can take three to four weeks for that buyer to get the financing and close on the property. To make matters worse, after all that, sometimes the buyer might not qualify for the loan or they change their mind about buying. In the end, precious time is wasted."So if people shouldn't be selling through a Realtor, what's the best option to consider?"The way to sell is through a qualified investor," states Spohn. "You need someone who knows how to deal with banks and who can save you from foreclosure. You won't make as much as you would through a conventional market purchase, but it can save you from the red mark of foreclosure."His site, www.investorsclassifieds.com, was created with people facing foreclosure in mind or for those who want to sell their homes quickly."We offer sellers a wide range of options for sellers looking to sell their property - Free listing to $199.95 for a full-year membership," Spohn says. "With full membership, their listing is also placed on Google, ByOwnerMLS.com and oodle.com. With us sellers can connect with quality investment buyers."For people in the Phoenix area, sometimes Spohn will do the buying directly."We can buy many homes in the Phoenix area, usually within 24 hours, or we work with the bank to help owners," Spohn says. "Another option is to take over payments and give owners some cash if they have equity in their home."So for those people heading toward foreclosure, there is hope out there and a place to turn so the situation is less painful and more bearable. http://www.wannanetwork.com/blog/view/?ID=7874 danrivera 08/27/2008 I was hoping that someone could share any info about Bpo & Reo companies that you have to pay to join. Have you experienced any of them that were good investments for you? And if so which ones? Also Organizations like Nrba etc- that have costs associated with joining. Which ones benefited you financially?  Dan Rivera http://www.wannanetwork.com/blog/view/?ID=7873 cashflows 08/27/2008   $100,000 Per Month!!Investors!!........... Mortgage Professionals!! ......................Real Estate Agents!!We now offer Note Purchases on SHORT Sales and REOs!!!!! FLIP AT CLOSING, USE OUR INVESTOR'S FUNDS TO BUY HOMES FROM BANKS AND THEN FLIP WITH "OWNER CARRIED NOTE" Which is SOLD AT CLOSING!!! PLUS: Enjoy Joint Venture Profits. No Credit on your part!!!Just Added: By joining at Platinum Level, you are receiving training as an investor so that you can FLIP homes using the Program. You receive the Gold level program AND the Platinum level training. You can also start earning more as a result of being at the Platinum Level.                  http://www.weprovidethecash.com/?id=timenmoney This is a 2 Tier Payment System, NOT an MLM. You earn on your team and on their team. All of your team members pass up 2 of their team members (1 & 4). In the example above, since Tim and Tom have been passed up to your team, they will, in turn, pass you their 1st and 4th sales. This process keeps occuring over and over. Of the $697 startup cost for Platinum Level, $600 is paid instantly to team leaders.  1.) Earn Full Profit Spreads on homes you flip!!2.) Earn 1% of the loan purchased from every Homeowner that funds with our Temporary Seller Financing Program.3.)Earn 1/2% percent of the loan purchased on any sales made by your team members.Profits made by making Gold and Platinum Level Sales. 4.) Earn $400 on every Platinum sale made from your website with the exceptions of your first and fourth sales. 5.) Earn a $200.00 Bonus on every Platinum sale that any of your team members make. This becomes a Residual Income that CONTINUESto come in each time anyone on your team brings Platinum members. It also means you earn $600on each of the 1st and 4th sales from ANY of your team sales to infinity!! PLUS, you earn the $200on EVERY sale made from EACH of your team members. Your 1st and 4th personal sales are not part of your team as they are passed up to your team leader and become part of their team. ~All of YOUR team members will Also pass up their 1st and 4th personal sales which is how YOUR team will grow as well, from the efforts of your team members.~6.) You can use ANY pre-approved buyers from any of your own Gold team member's, to FLIP your OWN homes with; (after the original seller has their opportunity to sell to that buyer). Gold level team members are limited to earning only from the original homeowner that created the lead. All additional pre-approved leads belong to you! This is the KEY to building an enormous buyers list, ready to buy your next home!!!!!!!!! 7.) Earn $150.00when team members joins at the Gold level. 8.) Earn $400.00on every Platinum team member that joins through any of your own Gold team members. (Gold team members only earn when someone signs up at Gold Level. They must pass-up all Platinum members to you until they become a qualified Platinum Team Leader. You get to keep all passed up team members.) So there you have it!!! AND you can TRY IT FOR FREE!!!!! http://www.weprovidethecash.com/?id=timenmoney   http://www.wannanetwork.com/blog/view/?ID=7872 TeamJodi 08/27/2008 Last week, the President signed historic legislation to spur growth in the housing sector.  An important part of legislation is a tax credit for first time home buyers.  Under the new law, beginning April 9, 2008 (yes this is retroactive!), first time home buyers to get up to a $7,500 tax credit from the purchase of a single family home, townhome, or condo. A first time home buyer is anyone who has not owned a home during the past three years and is a U.S. citizen who files taxes.  (Some homeowners that do not file taxes may qualify.  You can find answers to questions like this and many others at www.federalhousingtaxcredit.com and www.nahb.org/mythbuster.) To qualify for the tax credit, buyers must close on their home purchase between April 8, 2008 and prior to July 1, 2009.  You can claim the entire tax credit if single or head-of-household tax filers have an adjusted gross income that is less than $75,000.  If you are married, this number jumps to $150,000.  Single or head-of-household tax filers who earn between $75,000 to $95,000 (or married filers earning between $150,000 to $170,000) are eligible to receive a partial first-time home tax credit.The tax credit can be taken in 2008 or 2009.  It works as follows.  If a taxpayer pays less than $7500 in federal income tax, the government will write them a check for the difference.  Those who pay more than $7500 in federal taxes, would reduce their tax bill by the amount of the credit allowed.There is a catch -- would'nt you know it!  The catch is that there is a payback provision.  Essentially, the credit is like an interest-free loan that must be paid back over 15 years.  If you claim the $7500 credit, you would have to repay the credit at $500 per year.  If you sell your home, then the remaining credit would be due from the proceeds of the home sale.  If there is no profit, however, the remaining credit payback would be forgiven.This is a great option for first time home buyers to consider when thinking about moving forward on the purchase of a home.  If you have any questions about this, don't hesitate to contact Team Jodi.  We would be happy to answer any and all questions about this new legislation.  http://www.wannanetwork.com/blog/view/?ID=7871 bdswope07 08/27/2008 I have a property with an end buyer that needs to do a purchase with a delayed closing for 4 months until his relocation company buys his old home.  Here is quick breakdown of the deal.Your purchase price = $225,000 End buyer in contract for  = $259,000 for a 4 month term You make $34,000 gross profit in 4 monthsEnd buyer pays the mortgage payment for the 4 months that live in the property until they close on their new loan.Please call me if you are interested. Brian SwopeVillage Communitiesbswope@villagecommunities.com614-540-2400  ext. 236 http://www.wannanetwork.com/blog/view/?ID=7870 ray_higdon 08/27/2008 7 Ways to Change your Thoughts Ft Myers Forever Wealth Club Break your mental handcuffs! Are you unhappy with your current financial situation? Do you want to know how to change that almost immediately and for no money out of your pocket? Then you really want to attend the Ft Myers Forever Wealth Club on Wednesday, September 3rd at 6:30pm. For one night only, Entrepreneur and National Speaker Ray Higdon will be speaking on how to change your thoughts to change your life results. What are the 7 ways to change your thought patterns towards success and financial freedom? Learn the 7 ways to change your thoughts on Wednesday, September 3rd at the Clarion Hotel located at 12635 South Cleveland Ave. in Ft Myers attached to the Sam Seltzers Steakhouse. Ray has spoken in LA, San Diego, Vegas, Chicago and many other places and for one night only will be teaching you the 7 ways to change your thoughts to change your financial and life results. Attendance is only $10 for non Forever Wealth Club members and Free to wealth club members. Seating is limited, call Laura to RSVP at 239 810 8496 or visit www.ForeverWealthClub.com for more information http://www.wannanetwork.com/blog/view/?ID=7869 jfrank 08/27/2008 When should your client pay a point?  Most recently, paying the point saved my deal.  Earlier this week, I had a client who was reluctant in paying a point.  They were adamant on receiving a "No Point/No Fee" deal with an exceptional LOW interest rate.  It was almost futile trying to reason with them. I attempted to explain that with a "No Point/No Fee" loan interest rates are generally higher when you don't pay points.  I also tried to explain the concept of recouping the cost if they planned on living at the property for the long term, which they had planned on doing so. They also acknowledged that they were well aware of the concept. However, my gut feeling told me otherwise. I believe his prior negative experience with his previous loan agent was a factor in his mind-set.I realized that a visual explanation was key in communicating my point (no pun intended) across.  A visual also benefits the client(s) because they are able to take this information with them for reference and review should they need additional time to do so.Quickly I drafted a scenario of the simplest loan situation for my client.  If your client borrows $300,000: 1.      Basically 1 point is equivalent to 1 percent = $3,0002.      If you decide to pay a point of $3,000, it will save you $100 a month3.      This means it will take you 30 months (or 2.5 years) to recuperate the point paid4.      If you refinance or sell your property prior to the specified duration of 30 months, it does not make sense for you to pay the point. 5.      1st compensating factor when deciding when you should pay a point is the length of time you plan on keeping the property.  Paying for a point will only benefit you if you intend on keeping the property long term. 6.      It is important to be aware that interest rates run in cycles7.      When rates are at historical lows, it is also a good idea to pay points.  Again, if you are keeping the property long-term, this will benefit you.8.      When rates are high there is a probability that they will also drop soon thereafter.  This would not be a good time to pay points.9.      Tax deductibility is another is factor to consider10.  Overall, there are many factors to consider when choosing to pay points or not. I realize this scenario should be a trivia to many of us - the basics of our profession.  But what saved me in this deal was the fact that I went with my gut instinct and was adamant in showing the pros & cons of a point vs. no point loan.  My client was confident they knew everything so I returned stubbornness with perseverance and educated them with the facts.  During these challenging times, not only do we need to be on top of our game, we need to be able to listen and analyze the whole scenario.  Assuming could lose us the deal. http://www.wannanetwork.com/blog/view/?ID=7868 jfrank 08/27/2008 JFrank Capital Mortgage is excited to share that we are now offering a very attractive 100% Financing Program which is offered by USDA Guaranteed Rural Housing Program. And unlike the other 100% programs available, one of the unique components is that there is No MI - that's right - No MI.You may be asking what is considered Rural? Rural is defined as any town of 20,000 or less that is not adjacent to a large city or urban area.We realize the recent challenges in getting borrowers and homeowners approved these days. Anywhere from downpayment issues, low credit scores, high loan-to-values, declining market, and stringent underwriting guidelines. If you've experienced all of the above, the USDA Guaranteed Home Program should help you and your clients.This program is truly one of the more attractive 100% Loan Products available for the hard working class families of California. Whether they're purchasing and/or refinancing. We want to spread to word the old & new fashion way utlizing word-of-mouth and social networking contacts online.Here's a brief snap shot of the requirements:Purchase or Refinance (rate & term only)Owner occupied, 1 unitMin fico 580MI not required, however, a RD guarantee fee is charged at closingNo adjustment for declining areaProperty must be located in Rural Area (call or email me for list)For more information, call me directly at 415-407-6522  /  800-810-2080 ext. 101 or email: jeffd@jfcapitalmortgage.comThanks for your time!Jeff De Loyola http://www.wannanetwork.com/blog/view/?ID=7867 pauldunn 08/27/2008 I just wrote an article for the Mortgage Marketing Community on how to write a Killer Marketing Piece.  I break down an example of a mortgage marketing flyer I've used in the past.  We've also added a forum that you can log into and share ideas with other creative mortgage marketing professionals across the country.Paul DunnMortgage Marketing CommunityArizona's FHA Mortgage Loan GuyArizona USDA Rural Home Loans http://www.wannanetwork.com/blog/view/?ID=7866 Leonard 08/26/2008 http://www.wannanetwork.com/blog/view/?ID=7863 Chaunte 08/26/2008 Stanfield Property Management qualified staff of professionals are available to assist you in finding quality rental properties that meet both your needs and budget. Our team of experts will assist you in your search to rent, lease-purchase, or even in the event of buying a new home. Our rental application process is fast and easy. TRADITIONAL RENTAL Rent Owner Home In Selected Area Rental Terms Range 12+ Months Deposits Typically Far Less Renew Lease or Search for New Rental LEASE-PURCHASE Rent Owner Home Up to One Year Deposits Starting at $500 Deposit Can Be Applied Towards Purchase Price Arrange Financing At End of Lease to Purchase New Home Stanfield Property Management "Where Getting It Rented Is Our Priority" 678.906.0230 Chaunte 866.461.0707 Fax www.getitrented.org http://www.wannanetwork.com/blog/view/?ID=7862 adamcondo 08/26/2008 Atlanta Condos on Peachtree Starting at $194,500The Reynolds on Peachtree offers a boutique alternative in Midtown Atlanta condominiums. In the midst of all the excitement of Midtown and Downtown Atlanta, it's steps away from restaurants, shops, attractions, theatres, parks, and nightspots. And for everyday needs, Publix and Walgreens are just a block away. The Reynolds condos' elegant architecture, boutique size, in-building restaurants, and plentiful amenities make it the perfect retreat. It's 24-Hour Concierge, elegant swimming pool, fitness center and owners’ lounge and clubroom raise the bar in Midtown living. Each unit has amazing views with custom, open kitchens featuring stone countertops, natural-wood cabinetry, stainless-steel appliances, hardwood floors in living areas, ten-foot ceilings and exquisite tile designs make for the ultimate living experience. Combining genuine, time-honored style with the rich comforts of contemporary living, The Reynolds will deliver city living as it was meant to be.View All available units and floorplans at http://atlanta.condo.com/Condo_Atlanta_30308_The-Reynolds_2576611 http://www.wannanetwork.com/blog/view/?ID=7861 adamcondo 08/26/2008 Oakland Park Atlanta Condos Starting at $164,900 Intimate, in-town and very in-the-moment, Oakland Park condos are a new community in the laid back neighborhood bordering historic Grant Park in Atlanta, GA. There’s no other neighborhood quite like it—chock-full of eclectic restaurants, bars, coffee houses, clubs and breakfast cafés that are one-of-a-kind, not to be found anywhere else and all within stumbling distance. As Atlanta's first LEED certified (Silver) residential community, Oakland Park is Real City Living with a relaxed personality all its’ own. Downtown, Midtown, Virginia Highlands, Little Five Points, East Atlanta, Cabbage Town, whatever you want to do and wherever you want to be, Oakland Park is only moments away from the best venues in the city for sports, theater, music and dining. With stunning city views that will never be blocked, controlled access covered parking, a Fitness Center, 10 ft. ceilings, walk-in closets, sliding glass windows leading to private patios, this condo has it all!View all available units and floorplans at http://atlanta.condo.com/Condo_Atlanta_30312_Oakland-Park_2576609 http://www.wannanetwork.com/blog/view/?ID=7860 adamcondo 08/26/2008 Atlanta Condos for sale starting at $249,900Rising 22 stories and more than 250 feet at the edge of Piedmont Park, Luxe condos transform parkside condominium living. Intelligently designed and impeccably finished condominiums will appeal to your common senses and aesthetic nature. Beyond your condo balcony Atlanta appears as never before, revealed by Luxe's exclusive Midtown location. Dazzling skylines of Piedmont Park and the historic neighborhoods of Midtown and Ansley Park converge on almost every horizon. Everything you desire is literally at your fingertips, including Atlanta's premier green space, Piedmont Park. With 189 acres of rolling hills, meandering paths and playing fields, it's the perfect neighbor for any outdoor enthusiast. Spa-worthy and resort-inspired, the amenity level will surpass your expectations — from sauna rooms to swimming pool, fitness center to fireplace lounge, WiFi to a walkable pet area. View all available floorplans at http://atlanta.condo.com/Condo_Atlanta_30309_LUXE_2576608 http://www.wannanetwork.com/blog/view/?ID=7859 adamcondo 08/26/2008 West Palm Beach Condos starting at $99,000 Relaxing on a chase lounge at the lakeside pool, having drinks on your oversized balcony, or having dinner overlooking 540 acre Lake Mangonia through your floor-to-ceiling sliding glass doors, Lakeshore Club is where neighbors are friends and where weekends are made for entertaining. And it’s all yours! Just minutes from the urban allure of Downtown West Palm Beach, surrounded by Presidential Golf and Country Club and on the shore of Lake Mangonia. Lakeshore Club Condominiums is a private secure building nestled amongst the million dollar homes of Embassy Drive with an affordable price tag.View all available units and floorplans at http://palmbeach.condo.com/Condo_West-Palm-Beach_33401_Lakeshore-Club-Condominiums_1967455 http://www.wannanetwork.com/blog/view/?ID=7858 adamcondo 08/26/2008 Manhattan Condos starting at $595,000Situated amid beautifully landscaped greenery and lush gardens, Riverwalk Court condos are located on Roosevelt Island, is just minutes to Midtown by either the F train or Tram. Experience an unparalleled lifestyle removed from the fast pace of the city, yet thriving with energy and community spirit. Riverwalk embodies the convenience and sophistication of metropolitan living within the comfort and tranquility of a serene waterfront community with unsurpassed views of the East River and Manhattan skyline. Riverwalk Court, designed by the award-winning architectural firm Costas Kondylis and Partners, is the fifth addition to the Riverwalk waterfront community. An 18 story luxury condominium, Riverwalk Court features 123 residences ranging from one, two and three bedrooms. The lobby designed by Kondylis Design, is detailed with warm earth-toned, polished marble floors, contemporary furniture and a beautiful stacked-stone accent wall. Riverwalk Court features a 24-hour concierge/doorman and an array of amenities. The state-of-the-art fitness center includes a weight-training facility, cardio machines and a yoga studio. The exclusive entertainment lounge with adjoining rooftop terrace is a great place for respite or to socialize with neighbors and take in the magnificent skyline views.The children's playroom is a perfect retreat for children.View all available units and floorplans at http://newyork.condo.com/Condo_New-York_10044_Riverwalk-Court_2412369 http://www.wannanetwork.com/blog/view/?ID=7857 adamcondo 08/26/2008 San Antonio Condos Starting in the mid $200,000s The Slate Creek Townhomes at Westover Hills bring luxury hill country living to an entirely new level. Overlooking the Lakes Golf Course at the Hyatt Regency Resort & Spa, this vibrant gated community of 2-story luxury townhomes is one of San Antonio’s most convenient and relaxing living spaces. Fresh, yet classic design infused with open layouts and modern amenities make Slate Creek Townhomes a home to truly be proud of. With fine dining, places of employment, and world-class shopping just minutes away, you get all the perks of urban living but in a location far enough from the city (15 minutes) to enjoy the serenity of the Texas Hill Country.View all pictures and available floorplans by visiting http://sanantonio.condo.com/Condo_San-Antonio_78251_Slate-Creek-at-Westover-Hills_2328636 http://www.wannanetwork.com/blog/view/?ID=7856 adamcondo 08/26/2008 Chicago Condos for sale starting at $549K The high-life begins at The Chandler, a world-class high-rise designed by DeStefano + Associates. Situated at the mouth of the Chicago River and Lake Michigan, The Chandler condos rise 35 stories with commanding views of the Chicago skyline. Offering resort-style amenities at the exclusive and private Shore Club, residents will enjoy an indoor rooftop pool, outdoor hot tub, rooftop decks, a media room and an outstanding fitness facility complete with massage room. Views of the Chicago River, Lake Michigan, Navy Pier and the city skyline showcase the best Chicago has to offer.View all available units and floorplans at http://www.condo.com/BuildingDetails.aspx?ID=2226218 http://www.wannanetwork.com/blog/view/?ID=7855 adamcondo 08/26/2008 Luxury Colorado condos starting at $975,000 The Gates Residences® is a luxury condominium residences in the heart of Avon, CO The exclusive club-like atmosphere offers gracious and comfortable mountain living. This private condominium complex is situated just minutes away from the ski slopes of Beaver Creek® and a short 15-minute drive to world-renowned Vail. The area surrounding The Gates Condos exudes a romantic Old World charm and features a performing arts center, extraordinary dining, world-class shopping and exciting nightlife. Here, you will enjoy the complete tranquility of the Colorado Rockies with family and friends while we ensure that your every wish is granted in exquisitely casual first class style. The Gates Residences offers a tempting assortment of 49 units, expansive two to four bedroom condominiums and 16 exquisite penthouses. This exclusive club-like atmosphere offers the ultimate in remarkable mountain living. A gorgeous lobby warmed by the glow of fireplace meets you upon entry. The alluring decor and inspired design continues throughout the entire property and into individual spaces to ensure that, your ownership experience is a delightful one. View all available units and floorplans at http://www.condo.com/Condo_Avon_81620_The-Gates-Residences_2415732  http://www.wannanetwork.com/blog/view/?ID=7854 adamcondo 08/26/2008 Delray Beach Condos starting at $395,000. There has never been a better time to live in Downtown Delray Beach. All the amenities of big city living are found just outside your door while the smell of ocean breezes through your window. Give your car the weekend off. Walk to get fresh flowers. Have cocktails on your terrace or dine at your favorite sidewalk café. Run to the beach. Walk back. The Mark connects you not just to your neighbor, but to your neighborhood.The Mark Downtown is a sophisticated mixed-use complex offering a unique combination of flats, townhouses and ground floor shops. Elegantly stylized and exquisitely appointed one, two and three bedroom flats feature spacious, open floor plans and one-of-a-kind expansive tiled terraces. The prestigious Town homes offer upgraded finishes, two car garages and private rooftop terraces with whirlpool hot tubs. The design and layouts create both privacy and connection.A minimum number of units per floor offer seclusion and security.Become part of a fresh neighborhood complete with familiar faces and favorite places.The Mark Downtown brings style to life.View all available units and floorplans by visiting http://palmbeach.condo.com/Condo_Delray-Beach_33444_The-Mark-Downtown_2281128 http://www.wannanetwork.com/blog/view/?ID=7853 adamcondo 08/26/2008 New Bern condos for sale starting at $241,395Daydreaming takes you back to memories of your favorite Carolina summers. At SkySail Luxury Condominiums, you can live your daydream. A world-class condominium community, SkySail adds luxury to the Inner Banks with 121 beautiful residences. Gracing New Bern's sparkling harbor, SkySail Luxury Condominiums offer stunning marina and charming downtown views. Fine architectural detailing on the exterior leads to exquisitely-tailored interiors for a tranquil, sophisticated home. Every residence is equipped with high ceilings, hardwood floors, stainless steel appliances, solid surface countertops and crown molding. A wide variety of plans, ranging from nearly 800 to over 1,800 heated square feet, span over four floors overlooking street level shops and restaurants. With its exclusive amenities, SkySail is like a relaxing vacation in the comfort of your own home. Nestled on the water framing one of the area's deepwater marina, SkySail Condominiums are only a few steps away from the charm of historic downtown New Bern, home to an array of attractions, including Tryon Palace, the birthplace of Pepsi-Cola and a wide variety of shopping and dining. One and two-bedroom condos available. Starting from the mid $200's. Summer 2008 move-in.View all available units and floorplans by visiting http://www.condo.com/Condo_New-Bern_28560_SkySail-Condominiums_2344560 http://www.wannanetwork.com/blog/view/?ID=7852 adamcondo 08/26/2008 In every great city, there is one address, one location, one extraordinary place that can never be duplicated. In Raleigh, that address is Westin Raleigh Soleil Center Residences. When you live at The Westin Raleigh Soleil Center Residences, you soon discover that its stunning exterior is matched only by its sophisticated interiors—walls of windows, European-designed kitchens and baths, sky-high balconies—plus all the incomparable services and everyday luxuries that come standard in this exhilarating ownership experience. Luxury Raleigh condos in aprime location starting in the $1 millions To view more information and see all available units at Westin Raleigh Soleil Residences visit http://raleigh.condo.com/Condo_Raleigh_27612_The-Westin-Raleigh-Soleil-Residences_1920775 http://www.wannanetwork.com/blog/view/?ID=7851 adamcondo 08/26/2008 Cancun Pre-construction condos starting at $400,000 Novo Cancun Condos have luxurious Beach, Marina and Golf Resort apartments, penthouses and villas, with spacious interiors and the finest finish. Next to these, single-family residences are the best example of exclusivity and comfort in the Mexican Caribbean, Cancun Mexico. At Novo Cancun, not only will you enjoy the wonderful view of the Mexican Caribbean Sea from a shoreline vantange point, but you will also have the opportunity to go out sailing or boating from your home, thanks to the private marina setting.View all available units and floorplans by visiting http://mexico.condo.com/Pre-Construction_Condo_Cancun_Novo-Cancun_1894124 http://www.wannanetwork.com/blog/view/?ID=7850 adamcondo 08/26/2008 Jacksonville condos for sale from the high $200s At Via Mare Condos, elegant architecture, upscale interior finishes and a stunning stretch of Florida shoreline beckon you to savor the coastal lifestyle; the warm rays of the sun illuminate charming cafes and intimate beachside boutiques as diverse and unique as the shells scattered along the water’s edge; and energizing evenings are filled with fine dining, breathtaking sunsets, and the sensual rhythms of the island nightlife. Situated in the upscale community of Atlantic Beach, Via Mare is a seamless blend of luxury and value. Every residence features lavish standard finishes that would be considered upgrades in similar communities. Gourmet kitchens are outfitted with energy efficient appliances, sleek granite countertops and stained wood cabinets, while sun drenched terraces afford residents views of the gorgeously landscaped grounds and the Atlantic Ocean.View all available units and floorplans at Via Mare by visiting http://jacksonville.condo.com/Condo_Atlantic-Beach_32233_Via-Mare_2130296 http://www.wannanetwork.com/blog/view/?ID=7849 adamcondo 08/26/2008 Luxury Miami Condos for sale starting at $800K At sixty-seven stories, Marquis is the second-tallest building in Miami. From this lofty vantage point, residents of its 306 ultra-luxurious residences enjoy sweeping views of a brilliant Biscayne Bay and the glittering skyline of downtown Miami condos. Designed by internationally renowned firm Architectonica, the building’s structure showcases three intersecting parallelograms composed entirely of glass – a vast crystalline sculpture that shimmers in the golden sunlight. Marquis Miami’s 306 one and two-story loft-style residences rise sixty-seven stories high. The sweeping panorama of Biscayne Bay lies as far as the eye can see. Glass-enclosed balconies extend a living space that merges seamlessly with the spectacular view – a design that speaks of art as much as architecture. Your personal sanctuary is elegantly furnished with a modern European-style kitchen. Sleek, contemporary bath. Wide open spaces. And a flair for detail. Services like housekeeping, concierge, valet and more are at the touch of your finger, via smart panel technology.View all available amenities and floorplans in Marquis Miami by visiting http://miami.condo.com/Condo_Miami_33137_Marquis_2151371 http://www.wannanetwork.com/blog/view/?ID=7848 adamcondo 08/26/2008 Belize Condos For Sale Starting at $421,000Breathe the calmness of a Caribbean dawn, feel the crystal clear bluish tones of a peaceful and inviting sea. Yet, that is just the beginning: in Las Terrazas, Nature renders the perfect atmosphere for rest, adventure, fun and romance. The residences of this exclusive community on the beaches of Ambergris Caye in Belize were carefully designed as an ensemble of interior spaces in harmony with nature. Offering an ideal and refine balance between the fascination of a pristine island and a comfortable living style. Each one of the residences at Las Terrazas is designed to take care of every little detail so the experience of living it will be unforgettable. These fine residences are appointed with amenities for your convenience creating the relaxing sensation of being far, far away from hustle and pressures of daily life. At Las Terrazas Condos there are various and diverse options: a fun barbeque on the gardens along with your friends; an amusing afternoon of family gathering in one of the pools; a diving expedition through the coral reef; a soothing Spa session; or a romantic dinner with your special one under the stars and the moon shivering its silver reflects on the Caribbean Sea everything is possible in this well cared and exclusive atmosphere. Las Terrazas lets you live with your own time: down here, on this island, time flows with an internal cadence, a cadence for which you are the only director. A marvelous place where you live every day by the sea, and when the lights go down, heaven unveils its wonder.View all available units and floorplans at http://belize.condo.com/Condo_San-Pedro-Town_Las-Terrazas-Resort-and-Residences_1625466 http://www.wannanetwork.com/blog/view/?ID=7847 adamcondo 08/26/2008 Panama villas for sale starting at $775K Much more than a home, The Villas at The Bristol will offer the investor the use of the facilities of The Bristol Hotel Buenaventura. Relax and relieve stress at the Spa, exercise at the gym with the most modern cardiovascular equipment and weights*, savor culinary delights in our gourmet restaurants, and enjoy impeccable service and attention as a resident of The Villas at The Bristol.View all photos and available units at http://panama.condo.com/Condo_Rio-Hato_The-Villas-at-The-Bristol_2250819 http://www.wannanetwork.com/blog/view/?ID=7846 adamcondo 08/26/2008 Panama condos for sale starting at $295K Fully equipped and furnished, the Lofts at the Bristol represent the latest in luxury design. The blend of minimalist and Spanish architecture; the meticulous attention to detail; and the world-class amenities provided by the Bristol Hotel Buenaventura, such as spa and fitness club*, gourmet restaurants, a Nicklaus Design golf course and 2 kms. of white sand beaches, all in all guarantee an exceptional living experience. These contemporary one bedroom lofts of 1,291 sq.ft. are available for rental or for sale. The Bristol Hotel Buenaventura will provide the Property Management for the lofts; making it an excellent investment opportunityView more information and available units at http://panama.condo.com/Condo_Rio-Hato_The-Lofts-at-the-Bristol_2163241 http://www.wannanetwork.com/blog/view/?ID=7845 adamcondo 08/26/2008 Condos in Jaco Beach Costa Rica starting at $300K From the Waved shaped buildings to the sleek lines on the interior spaces, everything about the design of Wyndham Garden Jaco Beach echoes elements of nature. The Architecture is a work of art in tropical minimalism, designed to fit into the landscape in a natural way.Plus, whether you crave adventure or a more laid back experience, Wyndham Garden Jaco Beach is the ideal starting point for exploring nature in a variety of ways.Amenities in Wyndham Garden Jaco Beach Condos include: Elegant lobby with high ceilings Rooftop sunset bar Large Infinity Pools in 3 Levels Children's Pool Spa Pool Snack Bars Jacuzzi State-of-the-art health club Covered valet parking Laundry services On-site daycare Conference room with Internet connections Covered parking 24-hour security Concierge services Beachfront Restaurant Specialty Shops and Convenience Store Sauna Steam and Massage Rooms Day Care Center Laundry and Dry Cleaning Executive Conference CenterChildrens Game and PlayroomView more information and photos of Wyndham Jaco Beach by visiting http://www.wannanetwork.com/blog/view/?ID=7844 adamcondo 08/26/2008 Costa Rica Condos Starting at $259,000Great new incentives to buyers.Sands Point Condominium Resort encumbers 1.1 hectares or approximately 3 acres of “titled” oceanfront land. The project will boast 71 oceanfront luxury condominium units averaging 1332 square feet of living area each for a total of 94,572 square feet “under air conditioning”. The luxury units will range between 1,184 and 2,530 sqft. of living area, with 9-11 ft. ceilings and each with large private terraces overlooking the beach and the Gulf of Nicoya. The top floor Penthouse Units will include their own private roof deck with Jacuzzi, bar and grill area. The property will include a lush resort-style Infinity-edge pool area accompanied by tennis courts, volleyball courts, a fitness facility, and beachside cabanas. The building, when completed, will be ten (10) stories high. Sands Point Condominium Resort is located on the Central Pacific Coast of Costa Rica, in the Province of Puntarenas, directly off of the new Coastal Highway (Route 27), immediately adjacent to the NEW Hilton Doubletree BEACH RESORT, which was recently acquired by a major US investment bank. This Route 27 is to be part of the new San Jose-Caldera Highway that will reduce the commute from the San Jose airport down to approximately 40 minutes from the current 2 hour commute. The Property’s spectacular location is minutes from the new Greg Norman designed 18-hole golf course community, La Roca. The Property lies directly in front of the world’s second longest left-breaking wave, Boca Barranca. To the east of the Property, there are views of mountainous terrains full of everything that nature has to offer. To the west, the beach bathed by the Pacific Ocean and also decorated by the Islands of the Gulf of Nicoya, including Costa Rica’s most visited, Turtle Island. The lifestyle of your dreams is now waiting for you, at a comfortably attainable price, on the sandy shores of Costa Rica’s enchanting Pacific coast. Make it yours forever more. Discover Sands Point. View all available units and floorplans at http://costarica.condo.com/Pre-Construction_Condo_Puntarenas_Sands-Point-Condominium-Resort_2622829 http://www.wannanetwork.com/blog/view/?ID=7843 adamcondo 08/26/2008 Costa Rica Condos with 5-Star Amenities and Guest Services and a Lucrative Income Opportunity. Emerging as Costa Rica's most sought-after address, Los Altos is reserved for those with uncompromising taste and expectations. At last, our Manuel Antonio Condo-Hotel is the answer to your demand for the ultimate expression of a luxury lifestyle. Amenities will include a Beach Club, Full Service Spa, Conference Center, Fitness Center, Infinity Pool, Expansive Sea Vistas, Upscale Dinning plus a Casual Pool-Side Grill, Concierge, Room Service, 24 Hour Security, Fully Furnished Units, Lucrative Rental Program. Los Altos Beach Resort & Spa provides you with the opportunity for luxurious ocean front living, with nature right outside your door. Imagine the combination of 5 star service and the Costa Rican rainforest, with the plethora of Costa Rican wildlife for your neighbors. You'll love the location, as many of the country's top attractions are just minutes away. View all available floorplans and units by visiting http://costarica.condo.com/Pre-Construction_Condo_Manuel-Antonio_Los-Altos-Beach-Resort-Spa_2395626 http://www.wannanetwork.com/blog/view/?ID=7842 adamcondo 08/26/2008 Costa Rica condos starting at $235,000 La Meridiana is an exclusive condominium development near Tamarindo, in the northwestern region of Costa Rica known as Guanacaste. Planned for construction in August 2007, La Meridiana features spacious 2 and 3-bedroom units amidst a serene environment dotted with palm trees, swimming pools and impeccably manicured common areas. All less than 10 minutes from the country's most popular beaches and golf courses. La Meridiana Condos are a blend of two distinct architectures: "New Urbanism" reminiscent of Seaside, Florida, and Victorian architecture of American Fruit Companies that established themselves in Costa Rica in the late nineteenth century. View all available units and floorplans at http://costarica.condo.com/Condo_Tamarindo_La-Meridiana_2272335 http://www.wannanetwork.com/blog/view/?ID=7841 seasidevacations 08/26/2008 TAI CHI AND PILATES BEING OFFEREDON THE DUCK TOWN GREEN THROUGHOUT THE FALL Duck, NC –    The Town of Duck is continuing its successful morning exercise program throughout the fall.  Tai Chi will be offered on Tuesday mornings at 7:30 a.m. through Tuesday, October 28.  Tai Chi is an exercise using slow, relaxed, and graceful movements and is appropriate for people of all ages.  Julia Daniel from Outer Banks Yoga and Pilates in Kitty Hawk is the instructor.Pilates will be offered on Thursday mornings at 7:30 a.m. through Thursday, October 30.  This class is for all fitness levels. Participants should bring a Pilates/yoga mat or a beach towel. Patti Waller is the instructor.The classes will be held on the Duck Town Green, 1200 Duck Road.  They are free of charge and are open to the public.  No registration is necessary.Since the classes are being held outside, there is a risk of cancellation due to weather.  For additional information on these classes or any other Town of Duck event, please visit www.townofduck.com or call the Town events hotline at (252) 255-1286. http://www.wannanetwork.com/blog/view/?ID=7840 HowsYourCredit 08/25/2008 This is probably the biggest credit mistake that consumers make. What you may find surprising is that closing credit card accounts can hurt your credit score almost as badly as missing a payment. Not only is this the number one on the top five credit scoring mistakes, it's also number one on the list of credit myths. Ironically, most consumers make this mistake based on poor advice from a mortgage lender as a strategy for improving their credit scores. A word of advice, when you're dealing with something as sensitive as your credit and credit scores, make sure you do your homework before trusting some of these so called 'industry experts' before following through with their advice. There are two important reasons why you should not close credit card accounts: 1. Eventually, the accounts will fall off of your credit reports - The information in your credit reports are subject to certain rules in regards to how long it can remain in the report. In most cases, credit information will remain in your credit reports for seven years from the account's DLA or date of last activity. When an account is open, the DLA will continue to update each month and the open account will never reach that seven-year mark. If you close the account, the DLA will stop updating and the clock will start ticking. Eventually the account will be completely removed from your credit reports. Why would this be a bad thing? It's simple - you never want to get rid of old, positive information in your credit reports. This information actually helps your credit scores. Credit scores want to see this positive account information. They want to see your long, perfect history of making your payments on time because this information significantly helps your credit scores. This information significantly helps your credit scores so why would you ever want that history to disappear? You wouldn't! Let's say you made straight A's in high school. What if the record of that perfect scholastic accomplishment were permanently deleted seven years after you graduated? Would you ever want that history deleted? Of course you wouldn't. The same is true for the credit reporting environment. So, what should you do with old credit cards that you don't use any longer? What you don't want to do is to let the account become inactive. When this happens, the credit card companies aren't generating any revenue for your account. Eventually they'll close the unused account because you're more of a liability than an asset. You can prevent this from happening by using the card every few months for low dollar purchases like dinner or a tank of gas. When the bill comes in, just pay it in full. If you do this, it will ensure that the account will never be closed and you'll always get credit for your good payment history. 2. You could cause a spike in your revolving utilization and tank your scores - The percentage of your available credit in comparison to the debt you owe is a very important factor in calculating your credit scores. This is often called "revolving utilization," or your debt-to-limit ratio. For example, if you have an open credit card with a $1,000 credit limit and a $500 balance then you are using 50% of your available credit. This means that you are 50% utilized on this particular credit card. Now lets add a second credit card to the mix. Let's say you have another open, but unused credit card account with a $1,000 limit and a $0 balance. This would put your total revolving utilization at 25% because you have $2,000 in available credit limits and $500 in total balances. If you divide your total balances by your total credit limits, you'll get your total aggregate revolving utilization: $500 divided by $2000 equals .25 or 25%. So how will closing unused credit cards hurt your credit score? When you close an account, the amount of available credit decreases, which could result in a higher revolving utilization and lower your score. Let's use the example from above and close the second unused credit card account. When you close the account, you remove it from any utilization calculation and now you're stuck with one open credit card account with a $1,000 limit and a $500 balance. This caused your utilization to go from 25% to 50%. Remember, you divide the total balance by the total available limit so $500 divided by $1,000 is .50 or 50%. As this percentage increases, your credit score decreases. When you're talking about several unused credit cards with high limits, you can just imagine what closing credit card accounts could do. I've seen consumers go from a 10% utilization to almost 100% utilization because they closed all of their credit card accounts except the one they were currently using. http://www.wannanetwork.com/blog/view/?ID=7838 TeamJodi 08/25/2008 Today a prospective homeowner turns on the T.V. or picks up a newspaper and hears little about the housing market but doom and destruction.  Foreclosures, mortgage-loan related bank failures, slow housing starts, and poor home sales dominate the news.  Tougher credit requirements are now the norm as a remedy to further financial trauma for consumers and banks alike.  All of this may lead a would-be buyer to quickly answer the question "Is now a good time to buy a home?" with a resounding "NO!" Before signing that apartment lease for another year, a would-be buyer scared off by current events in the housing market needs to look behind the scenes of the mortgage crisis.  Though the situation is complex, in analyzing the causes, there is plenty of blame to go around. Aside from the popular scapegoat - the general economy - buyers, real estate agents, and lending institutions all share some blame for the current situation.  Home ownership is the American Dream.  Nowhere is written that the perfect home must be the size of the Taj Mahal and must be located in an upscale development.  Many buyers today have been mesmerized by beautiful homes that are too big, and egged on by realtors and enabled by banks, bought more house than they could afford.  Even when people get pre-qualified by banks, the amount of home that a consumer can theoretically afford might really leave him "house poor" because they did not consider many costs of ownership in the new neighborhood.  Buying a house on a such a tight budget that there is nothing left for a new shower curtain, a night out, or an emergency repair quickly takes the joy out of homeownership; a major life crisis or job loss can result in equally quick foreclosure. Many news stories have focused on unscrupulous mortgage brokers who took advantage of uninformed consumers to tie them into unfavorable loans, but some consumers were knowing parties in schemes that put them in homes beyond their means.  Some banks were too liberal in granting loans to questionable buyers who presented information that could not be verified, but sometimes people did not provide complete and honest information to lenders either.  Personal greed and irresponsibility figured heavily in the crisis.The person who should answer "YES" to the question of home ownership now is someone with good credit, a stable job, a down payment, and reasonable expectations of what he wants vs. what he can afford.  For the responsible person with a desire to be a homeowner, who meets the financial criteria, there are unique opportunities in the current marketplace.Many foreclosed homes on the market offer great bargains for qualified buyers. It's also a buyer's market with most pre-owned homes on the market.  Though there may be less negotiation possible on new construction, especially for upgrades, federal and local tax incentives for new homeowners may put a brand new home within the realm of possibility. While it's true that lending institutions are less likely to stretch out to grant questionable loans this year, banks are still committed to making mortgage loans to prequalified buyers.  They still offer pre-qualification services to give would-be buyers an indication of how much house they can afford and whether they would qualify for a mortgage.  Good real estate agents are still interested in matching buyers with homes in their realistic price range.  For qualified buyers, this is a great time to enter the world of home ownership. http://www.wannanetwork.com/blog/view/?ID=7837 ETEdmond 08/25/2008 get_object("_ctk_uid_GGRuHBjmzH0").innerHTML = format_ts(1218077888); MLK should be recognize more to the African American or the minority. He has open more opportunities than anyone gives him credit for. One man that die for what he believe is a true prophet to man kind. Here is some photos of his great memorial in Atlanta, GA. If you havent visit there then you dont really treasure his hard work within our culture!!  http://www.wannanetwork.com/blog/view/?ID=7836 favilla41 08/25/2008 Want to own your own Social Network like a Myspace or Facebook? Want to instantly have 5,000+ people who are interested in exactly what you have to offer? Let us build you this marketing powerhouse to expand your “Circle of Influence” unlike any other internet marketing tool available today! In today’s business climate, creating a marketing and sales advantage over your competitors is essential to your business’ survival and growth. You can be on the forefront of the next wave of internet marketing with an innovative and proven method. By owning your own social network you can increase your market reach while building a network of people who are interested in exactly what you have to offer. For more information or to set up a free consultation, please contact me at frank.avilla@bombdazzle.com http://www.wannanetwork.com/blog/view/?ID=7835 Chaunte 08/25/2008 Stanfield  Property Management qualified staff of professionals are available to assist you in finding quality rental properties that meet both your needs and budget. Our team of experts will assist you in your search to rent, lease-purchase, or even in the event of buying a new home. Our rental application process is fast and easy. TRADITIONAL RENTAL Rent Owner Home In Selected Area Rental Terms Range 12+ Months Deposits Typically Far Less Renew Lease or Search for New Rental LEASE-PURCHASE Rent Owner Home Up to One Year Deposits Starting at $500 Deposit Can Be Applied Towards Purchase Price Arrange Financing At End of Lease to Purchase New Home Stanfield Property Management"Where Getting It Rented Is Our Priority"678.906.0230 Chaunte866.461.0707 Faxwww.getitrented.org http://www.wannanetwork.com/blog/view/?ID=7834 AshleyR730 08/25/2008 If you are a realtor or mortgage professional that is not currently offering Loss Mitigation services in addition to your current business, you are letting additional income walk out the door.  Earn $500 - $2,000 per file by adding this valuable service to your business.  Each file takes 30 minutes or less of your time.  Traditional mortgage/real estate business continues to decline.  Many real estate and mortgage professionals are successfully supplementing their income by offering their clients Loss Mitigation services.There are 3 streams of income:Loss Mitigation for homeowners cost:Minimum Fee -   $1,250Maximum Fee -  $5,000(based on 1 month mortgage payment)Your earning potential is:  20% Level  - $250 to $1,00030% Level  - $375 to $1,50040% Level  - $500 to $2,000 Reseller Program:            1st 2 people that go through the training at 2 people for $1497 and 1 person for $997 to become a Certified Loss Mitigation Consultant you receive:             25% (I receive the other 25% on your 1st 2, like you will when you sign someone up for the training too)every person after the 1st 2 you will receive:             50% each     3.    Lead Partner Program:         Each person you bring on as a Lead Partner at $297 each you receive:        $100 each (they earn $150 to $300 each successful mitigation case) We also have the Joint Venture Manager Program, where a business who wants 4 or more people doing the loss mitigation can sign them up to do the training at a discounted rate.  This is the only program where you get residual (case override), as stated below: The JVM case override is $50 to $100 per successful Loss Mitigation Case closed by the JVM Account you signed up.The websites you receive when you become a Consultant are as follows (each are linked directly to your email address and you are sent notification whenever a new lead is captured): http://www.PreForeclosureUSA.com/onehomeatatime for homeowner who needs Loss Mitigationhttp://www.freedomforeclosure.com/onehomeatatime  FFPS Corporate - Loss Mitigation Infohttp://www.10kpermonth.com/onehomeatatime  LMC Prospect Lead Capturehttp://www.ffpsmovie.com/onehomeatatime  watch the prerecorded webinar at this site http://www.ffpsjvmovie.com/onehomeatatime  FFPS Joint Venture Manager (JVM) Programhttp://www.ffpsjv.com/onehomeatatime  Joint Venture site for larger companies who want to have a Loss Mitigation department who get a discount for 4 or more to be trainedhttp://www.ffpsleadpartner.com/onehomeatatime  lead partner site, for people that don't have the time or $ to go through the training to be certified. They would be sending their LM case leads to you to process. WE ARE SAVING HOMES ACROSS AMERICA.  In order to achieve this goal in every city, we are educating an army of Loss Mitigation Consultants. You can help! By participating in our Consultant Referral Program, you can earn a 50% commission for each Loss Mitigation Consultant Program you sell.  Consultant Website PackageThrough our Consultant Website Package, you will receive 8 professionally-designed turn-key websites that were created for marketing our services and assisting you in building your business. You will also have access to the Members Only Area that includes: Lead Generation CO-OPs - generating quality and qualified leads. Preformatted Ads Preformatted Letters and Postcards Flyers Email Autoresponder pre-loaded with Professional Letters E-books on everything from marketing to personal development 24 Hour Recorded Presentations Proven and Tested Lead Generation Tools Scripts for Interviewing Prospects Five Replicatable Websites UNLIMITED Updates to Online Reference Materials UNLIMITED Access to the FFPS Online Support Center LIFETIME SUBSCRIPTION to the Premier Website Package (NO MONTHLY FEES!) SAVE $1,297 per year FOREVER! And much more! Click Here to View Demo Members Area LMC TUITION PACKAGEIncluded:Loss Mitigation Consultant Certification Program ($1,997 VALUE) Lifetime Membership Private Investor Network ($2,997 VALUE)Unlimited Updates to Online Reference Materials Unlimited Access to the FFPS Online Support Center Lifetime Subscription to the Premier Website Package ($1,297 Per Year VALUE)(NO MONTHLY FEES - FOREVER!)SIGN UP TODAY!  VISIT http://www.onehomeatatime.org/become_a_loss_mitigation_consultant   Why Freedom Foreclosure Prevention Services?  WHY FFPS IS UNIQUE and DIFFERENTFirst, we don't just give you a website and leave it up to you to be successful. We have a continuing education, training and support program. We have LIVE training and mentoring calls every week.  Our main goal is to help homeowners keep their home. We have a 98% success rate nationwide. EVERY MARKETING TOOL NECESSARY FOR YOU TO SUCCEEDWe make sure you have every marketing tool necessary for you to succeed. We continue to train and educate you.  We have the products, services, training, proven lead-generation systems, compensation, and the company support to help you achieve your financial goals. Our "Turn Key Marketing System" includes support, training and tools that will enable you to get the greatest results possible. TEAMWORK is the ability to work together toward a common vision or goal; the ability to direct individual accomplishment toward organizational objectives. It is the fuel that allows common people to attain uncommon results. At FFPS, we have the infrastructure already in place. We also have a FFPS yahoo group where you can contact and ask other FFPS consultants nationwide additional questions.        http://www.wannanetwork.com/blog/view/?ID=7833 NorthAtlantaHomes 08/25/2008 Abbotts Bridge Place in Duluth/Johns Creek Area of Georgia, is a Premiere luxury townhome community located in North Fulton County. This gated community is within walking distance to Northview High School, grocery stores, shopping, restaurants and entertainment.The community features 3-story 3 sided and 4 sided brick townhomes with 2-4 bedrooms and 1 & 2 car garages. Amenities include clubhouse with gazebo, swim, tennis, playground and recreational areas. There is a spring filled lake, 1/2 mile nature trail and pocket parks.    This townhome at 6087 Joybrook Road is only 2 years old & a quality builtBeazer “Laurel Model”  townhome. Just like new! Great location, office work station,Great schools with low association fees that include pool/tennis.TOP 10 Reasons To Live In This Townhome Community:1) The Sought After “Laurel  Model”  Beazer Built Townhome has 4 bedrooms.2) Gated Community.3) Gourmet Granite Countertop Kitchen & Stainless Steel Appliances4) Maple Cabinets In Seperate Office Nook, Work Station5) Hardwood Floors Throughout Main Floor & Staircase6) Intercom System for Music Throughout Townhome7) Private Back Porch With Evergreen Buffer8) Low Association Fees For This Young Townhome Community9) 2 Fireplaces and One Located In Terrace Floor Bedroom10)Pool, Tennis & Nature Walking Trail In Abbotts Bridge Place                     Professionally designed brick/stone exterior elevations make this “Laurel Model” with all its upgrades a wonderful place to call home.Stainless Steel Refrigerator, Range, Microwave & Dishwasher. Maple cabinets in both the gourmet kitchen and work station nook with brushed chrome knobs. Granite Counter tops with undermount kitchen sink. The kitchen cabinets have upgraded undercounter lighting package.Hardwoods throughout main floor and on all stairs. Master bathroom upgraded tile as well as an upgraded jetted garden tub. Custom window blinds throughout, Intercom system and trim for music as well.Driving Directions to Abbotts Bridge Place:From 400 Take 400 to Exit 10 (Old Milton Pkwy/Hwy 120)East. Follow Hwy. 120 as it turns left. Turn right on SR 141. Community is on the right.From Duluth: Take Hwy 120 West. Turn left on SR 141.Community is on the right.Look Forward To Your Visit! http://www.wannanetwork.com/blog/view/?ID=7832 chicks 08/25/2008 Have you heard of us yet? If you haven't then you are missing out on making money in this market. Rules have changed:1) You may not be able to dry close anymore2) It is getting harder to purchase real estate anymore without 25% down at the closingWe have implemented 2 programs for all 50 states that will aid in double close funding and help to get you to a refinance situation. I know, it all sounds unreal, but it is not you can go to my website at www.crhorganization.net for all the information you will need. There are other private companies doing the double close funding, but pick someone who can close in less than 3 days after underwriting the deal and can close up to 20 mm at one time.Here are some other real estate services offered by CRH Organization:Mentoring ProgramGood Credit/no moneyBad credit/plenty of moneyLearn how to WholesaleWholesaler Commercial Funding/Temporary Holds4-10% upfront/2% per monthMust have the ability to escrow a % of the deal until soldAll deals are case by caseNo minimumMUST HAVE AN EXIT STRATEGY!Commercial FundingUse of private moneyCan't have tanks on the premisesConstruction getting tougher, be preparedRehab hard money for investorsPortfolios available by requestMust show POFs and LOIs/Any part of the countryWholesaler Commercial Funding/Double Close FundingFund the first side of a double close4% with 10% cash participationCan close in as little as 4 days depending on Fund amountMUST HAVE AN EXIT STRATEGYCall today!Clayton R. HicksPresident937-671-6238 http://www.wannanetwork.com/blog/view/?ID=7831 AdsOnHold 08/25/2008 Selling Real Estate is a tough business. If you are a Real Estate Broker or Agent you know that I haven’t just unveiled one of the great mysteries of our time.  The market is tough and you employ every advantage when representing your clients, both buyers and sellers.  But what methods do you employ when representing yourself? Business cards, Business card ads, community newspapers and maybe weekly showcase shows?  All of those are great tools but you simply MUST NOT overlook your own On Hold Messages. Your on hold messages can do so much more for you than your other advertising can do simply because the people who hear this advertisement are already interested in finding out more about you.  That is the main reason why on hold messages or on hold commercials are the perfect way to tell people some of the who, what, how, when and why they need to know to make you their agent. Your first priority should obviously be that initial greeting. It should be professional and welcoming. After that the entire call should represent your business in a light that will help them determine that they MUST DO BUSINESS WITH YOU. Nothing will overcome a bad first impression so for optimal caller retention, a pleasant greeting is a must. And if you have to place that caller on hold, they should have some reassurance, that they are still connected and that they have called the right Realtor. When you put someone on hold, silence can be deadly but if you have a radio station on hold it can be very costly because you aren’t educating your clients or marketing yourself, instead you are only marketing the businesses that the radio station is marketing, maybe even your competitors. When you have professional messages on hold, you not only inform your callers about your services, you also give them an assurance of your quality and competitive advantages. A professional on hold message at your office can help increase the number of inquiries regarding special programs, incentives or even property listings while instigating follow up questions based on the information they heard while holding. Messages on hold are a quality, affordable, impacting placement of your advertising dollars especially because the person calling your practice is interested in YOU and YOUR SERVICES. Take the opportunity to speak to this person ONE ON ONE and present your message in a clear concise manner. Another benefit of a well worded professionally produced on hold message is the likelihood of follow up questions when you or one of your team members return to the line. If nothing else, messages on hold can pay for itself by by doing nothing more than saving those customers who would otherwise hang up and call someone else. Don’t allow the competition to get the better of you due to lost calls. On hold messages are easy to put in place and affordable. – I would be grateful for your consideration on your next voice project, it could be on hold message for your phone system, website, radio commercial, tv commercial, training seminar, webinar, animation, podcast, etc. Let your imagination go crazy! You can reach me through the following channels. Email: marty(at)martydaniels.com Phone: 866-935-7539 Skype: MartyDaniels http://www.wannanetwork.com/blog/view/?ID=7830 nocredithomes 08/25/2008 Hi, I wanted to introduce myself, Reverend Babinchak with Bulkinvestorclub.comI have Bulk Foreclosure Deals available Nationwide! If you are having trouble finding deals in your area, maybe I can help! Visit:www.bulkinvestorclub.com and Fill out our Free Buyers Information form and I will help you get started. http://www.wannanetwork.com/blog/view/?ID=7829 Creditscoremaster 08/24/2008 According to the latest number 82%, thats 8 out of 10 people have credit problems. Come on people , we are in this business? How many do you turn down per week? Score driven credit restoration is not new, and we are the largest.So, we need to start putting our heads together and save the people, that means help them.Thank YouHarrywww.frontline101.net http://www.wannanetwork.com/blog/view/?ID=7828 wricgent 08/24/2008 This is my first attempt at a Blog, but I could not find any other way to defend myself from these online bully blogs. I am a small business owner and pride myself in being an entrepreneur and trying to add to the betterment of this society by creating jobs and opportunities not only for myself but others. Recently I have been subject of an online blog attack by a source that i will not lend credibility to by granting them just what they want more free press. My only desire in creating this online chat is to seek the advice and personal experience of other small business owners like myself that do not have the money to spend on chasing down these faceless cowards but to find solution to get our reputations back. I do not recall who said this originally but i know it holds true today; "It take 20 years to build a reputation and only 5 minutes to destroy it". If you are like me and are fed up, join with me in creating something special for victims such as this small entrepreneur. http://www.wannanetwork.com/blog/view/?ID=7827 FindCRE 08/24/2008 Another huge investment area is in Dallas. Dallas real estate is quickly becoming a must have for corporations around the world. The city of Dallas is home to several large corporations, including ExxonMobil, the biggest Fortune 500 Company. It seems that each week there are new corporate citizens bedding down in the city of Dallas. VIP Realty is North Texas' leading real estate brokerage firm. Do not hesitate to contact a friendly representative, of VIP Realty,  today. Fort Worth is the fifth largest city in the state of Texas . In fact, Fort Worth is considered to be half of the Dallas/Fort Worth Metroplex. The city of Fort Worth spans over three-hundred miles and is home to over five-hundred thousand residents. The region of  has a very prosperous and interesting real estate market that is in high demand. VIP Realty is the premier team of Realtors experienced in Fort Worth real estate. VIP Realty agents know the latest Fort Worth homes for sale. VIP Realty would love to help you find the perfect home, beautiful condo or a roomy loft. Whatever your needs are, whether you are interested in Fort Worth condos or commercial real estate, VIP Realty is here to assist you. Fort Worth was considered to be the paramount of the cattle industry. Now, Fort Worth has evolved into a major player in the economy of Texas. Fort Worth is home to an international economy center that is flourishing. Fort Worth has a vibrant, diverse population that enjoys attractions such as The Fort Worth Water Gardens and Sundance Square. Fort Worth has a very prosperous and interesting real estate market that is in high demand. VIP Realty is the premier team of Realtors experienced in Fort Worth real estate . VIP Realty agents know the latest Fort Worth homes for sale. VIP Realty would love to help you find the perfect home, beautiful condo or a roomy loft. Whatever your needs are, whether you are interested in Fort Worth condos or commercial real estate, VIP Realty is here to assist you. Another huge investment area is in Dallas Texas real estate is quickly becoming a must have for corporations around the world. The city of is home to several large corporations, including ExxonMobil, the biggest Fortune 500 Company. It seems that each week there are new corporate citizens bedding down in the city of leading real estate brokerage firm. Do not hesitate to contact a friendly representative, of VIP Realty, today.     http://www.wannanetwork.com/blog/view/?ID=7826 Chris_Brown 08/23/2008 Do we take ourselves too seriously?Is it possible that in the desire to out produce our fellow realtor/ lender that we have lost focus? We dress up,re-record our outgoing meesage 14 times...okay 15 times to make sure that our pronunciation and 'coughs' are eradicated,we make ourselves 'always available'...GOOD GRIEF!In the competition of beting out one another, i propose that we have lost sight of what the buyer/seller really wants.  Sure they may not vocalize it... and that perpetuates the problem.At the end of the day, aren;t they people just like us... looking for approval... a friend?When I transitioned my business from a tie wearing perfectionist that was always ready to take a call... to a guy that dressed sharp but casual where human 'flubs' were acceptable and built boundaries around my family life......my business took off!Now, life is better.  I have more time for family, make more in commissions, and people like me more because i am not afraid to act human.  I leave the cough or flubbed word on my voicemail and find that people can simply relate. Isn't that what it is all about anyway?? Relating to our peeps?? Here's to being human! Chris the  Implementer http://www.wannanetwork.com/blog/view/?ID=7825 Chris_Brown 08/22/2008 I remember my first real job out of college.  I was selling pagers [what a growing business that was.]  We had a sales meeting and the owner wrote on the white board in Biigggg letters SALESMAN.He then proceeded around the room asking folks to define what makes a good salesman.  You can just imagine some of the replies. LOLAfter that he drew a line down the middle of the board and wrote FATHER on the other side.  He then asked what traits are found in a good father.You can imagine my surprise, fresh out of college, that beer drinking was not one of them.  The list was almost the antithisis of the reflecting side of the board.He then erased the side of the board entitled SALESMAN and erased the word Father replacing it with the word salesman.He simply stated those traits that make a good father [or parent] is EXACTLY what makes a good salesman.That left a mark on me that remains over a decade later.  Something to think about in a trying time. Chris the Implementer http://www.wannanetwork.com/blog/view/?ID=7824 Chris_Brown 08/22/2008 I may be the only one, but I have bene plagued [in the past] with not wanting to do something until I had it just right.  I finally learned that i had a dozen awesome ideas that were 90% done... but no action behind a single one.I had every tool in the business with a guh-gillion ideas floating in my head but was paralyzed by too many options or paths to follow... a sure fire way to fail.Here is what I did 6 months ago.1.  Took an inventory of all the tools i had the privilege of paying for.2.  Looked for overlap and duplicity3.  Ranked value received from each4.  Purged 60% of it. [Would be more, but i have subscriptions to run out.]5.  Focused on the top 3 that could have the most impact on my business6.  Committed to remodel time [at least 2 uninterrupted hours a week] to revamp what was worked on and ultimately implemented7.  Listed the items to implement in 30, 90 and 180 days.8.  Found someone to hold me accountable. [crucial step]I now have 5 of the 6 items implemented and have a database that is so fine-tuned it would make Michael Phelps jealous.  I am in the process of number 6, which is aligning myself with those in the field that have a heart for the business and the true well-being of our fellow man.  Tim Davis and Jacob Nordby are two of those "in the trenchs" guys.  The mastermind group is the last piece of the puzzle.  MMmwwwhhhaaaa [evil laugh]Woo Hoo!  I am fired up about this business!Chris the Implementer http://www.wannanetwork.com/blog/view/?ID=7823 TeamJodi 08/22/2008 Sustainable siding needs to contain eco-friendly ingredients as well as be a product that will stand the test of time. When considering the eco-friendliness of a particular type of siding, make sure to account for any resins and adhesives that may have an off-gassing effect.  Some popular green siding options include solid wood, fiber cement, metal, engineered wood, and stucco.Solid wood:  FSC-certified or repurposed wood products are the most environmentally friendly choices for solid wood siding.  This renewable material does, however, require frequent maintenance. Fiber cement:  Products like HardiePlankTM from James Hardie offer the look of natural wood with the durability and affordability of the mix of cement and wood fibers. Metal:  Aluminum and steel compositions are usually made of recyclable materials and can result in a very modern and sophisticate look. Stucco:  Low-maintenance and durable, stucco is a classic cement-based treatment. http://www.wannanetwork.com/blog/view/?ID=7822 TeamJodi 08/22/2008 Residential housing priced at $500,000 and above is currently oversupplied, according to the Second Quarter 2008 Triangle Area Residential Realty Report published by S.M.A. Publications, Inc.  The report uses data from www.realtor.com,   Durham, Orange, Chatham and Wake County Revenue Departments to support their findings.The 2005 market on the fringe of having an oversupply in the luxury sector, and by 2008 luxury inventory grew 130% and sales simply couldn't keep up.  Realtor.com showed 991 luxury listings at the end of he second quarter in 2005, and by the same time in 2008 those listing had increased to 2,279.  Between 2005 and 2008, North Raleigh and Southwest Wake had the highest percentages of growth in the luxury sector at well over 2005 each, with Durham at over 150%.  While homes sat on the market an average of 9 months in 2005, the current supply is now at 17 months. This growth in the luxury segment has reached a point that it is not healthy for the market.  In 2005, increasing costs of land and development led developers and builders to create many luxury priced communities, resulting in an overflow of homes that the 2008 market cannot currently support.  http://www.wannanetwork.com/blog/view/?ID=7821 RealDealPropertiesandInvestments 08/22/2008 We can provide 100 % rehab money nationwide 620 fico and above.  Need solid reserves and to own a property.  Their are 4 states we do not lend in.Thanks,Josh1  888 deal 312  http://www.wannanetwork.com/blog/view/?ID=7819 LendEthics 08/22/2008 Are you sick and tired of buying the next great marketing tool or getting educated and still stuck at the end of the day telling clients “I am different”, “Trust Me” and having to implement it all yourself?  Sometimes you hear, just 1 more loan and this baby is paid for!  Well, what they don’t tell you is it is not that simple, it takes time and effort to implement.  Sure some hit it out of the park, but not everyone can implement everything and see results.  Ever wonder what all of these certifications and marketing tools do for the consumer?  They don’t help the consumer; they make you a better loan professional.  How the heck does the consumer know your credentials?  They don’t!  There are so many approvals and certifications out there, some are good and some are not worth the paper they are printed on.  People… here lies the problem and the solution is Lend Ethics.  www.LendEthics.com is your solution for several reasons:-         Lend Ethics educates the consumer, why they need to work with only our members-         Lend Ethics performs background checks, so we can instill trust with you and the consumer-         Lend Ethics has a Zero Tolerance Policy in place, so the consumer knows they are protected from things like bait and switch-         Lend Ethics has a Rating and Review system for YOU, so the consumer can see that it does not matter what company you are with, it only matters the individual they are doing business with.-         Lend Ethics generates leads and puts you in front of consumers  Lend Ethics does it, so you don’t have too   Is Lend Ethics like everything else?  NO!We don’t just give you the certificate to hang on your wall, or put after your name on your business card.  We don’t spend money on a big board’s and conventions.   You have already done that to become a better loan professional!  Lend Ethics is different because we spend our members monthly subscription on the most critical and important part of the equation, the consumer.  At the end of the day, you can’t make money unless you are doing loans for consumers, right?  While times are challenging are you sure you want to join something else, or sign up for the next big marketing idea that you have to implement?    This is the time to invest in yourself and your business, but make sure you sign up for something that will bring you loans.  www.LendEthics.com is not just “something else” this is your direct connection to the consumer; we implement it all for you.  Just sit back and be a trusted Mortgage Professional.  http://www.wannanetwork.com/blog/view/?ID=7818 MIKCAM 08/22/2008 At www.UnitedLossmitigation.org, we have been offering free foreclosure help to homeowners for the past 6 months and has become the #1 most trusted website for struggling borrowers. Over 25 homeowners have saved their home by getting mortgage help using the tools on this website to negotiate a loan modification or short sale. www.UnitedLossmitigation is a safe website for homeowners to obtain free foreclosure information. Many homeowners have been victimized by predatory lending and mortgage fraud and they do not even realize that until they come to our website. Our experts have been able to identify these abuses and then direct homeowners to the proper foreclosure relief and tools to give them the mortgage help they need. Please visit our website where you can ask questions and get answers to your unique foreclosure problem. Get the help you need from industry experts in foreclosure prevention. Please go to WWW.UNITEDLOSSMITIGATION.ORG http://www.wannanetwork.com/blog/view/?ID=7817 MIKCAM 08/22/2008 The   amount of lenders offering the reverse mortgage product has more than doubled in the past year.  Sadly, the race to convert seniors into clients has begun. Too many lenders are focusing upon the reverse mortgage client dash.  Because of hard times in the mortgage industry, these lenders are looking for a quick bundle of cash. (Rhyme intended) The industry ethos has until recently been providing succor to our seniors in need. This has been replaced by focusing upon what I call the path of least resistance. This path is exemplified by call centers. A call center can have literally 100s of agents in a room cajoling seniors to sign reverse mortgage documents that the agent will gladly send in the mail. To the contrary, the program works best when the lenders are offering much needed expert assistance.  This requires the lender to act as a consultant instead of a salesman Under the call center paradigm, the senior borrower will never come into contact with a concerned loan officer or someone who has taken the time to understand their peculiar circumstance. Understanding needs is no longer important.  What is important is getting the senior to sign documents- at any cost. I am at a lost to figure out how reverse mortgage concepts can be fully explained by those whose only focus upon winning the race. I am at a lost how difficult -to understand -reverse mortgage vocabulary can be properly explained by those who are focused upon their position in the race.  Call center employees are usually divided into teams. These teams compete against each other. The focus becomes “What do I have to say to chalk up another one for my team?” This is another reason why family members and their professionals must be the sentinels for their parents/ clients.And I dare say that this may be another reason why the reverse mortgage industry has not grown as rapidly as it should. http://www.wannanetwork.com/blog/view/?ID=7816 MIKCAM 08/22/2008 What would the housing bill really provide? August 17th, 2008 I know that in recent weeks I’ve made some harsh comments about Congress being involved in trying to fix the housing market with the bill they currently have in place. The fact is, the FHA programs are outstanding and they provide help to those that can afford to stay in their homes. I stand by the fact that many homeowners who are in trouble could potentially get help from the FHA currently. In addition, should the FHA take on these new responsibilities to help those who are struggling through this bill, chances are good it is a good move for them. Yet, what is not okay is that Congress lawmakers and politicians of the worst kind (you know, those who are really just looking to move closers to the ballot box with this vote) are getting involved. That does not bode well with me. Back to the point…though. If the housing bill does go through, will it rescue homeowners who are in trouble for losing their home? It could, but it is not a for sure method of getting out of the financial difficulties you are in. For example, if you cannot afford the house payment you are making now, what is to say that you can afford it in the coming months? Essentially, distressed borrowers would be able to get refinancing from their lenders who agree to work with them with these loans. The lenders are more encouraged to do so because these loans will be federally backed with taxpayer money. They will refinance into better termed 30-year mortgages if they are in their primary home. Lenders will need to agree to cut the loan balance to about 85 percent in order for the loan to be backed. Is this the right opportunity for homeowners, then, who are struggling? If you are worried about your current loan, get into an FHA loan right now. If you have an upside down mortgage, try working with your lender to revalue the loan. Some are willing to avoid the cost of foreclosure. Even if the bill passes both the Senate and the House, chances are good it will not stand up to the White House Veto. In addition, perhaps it is not the right solution. Regardless of this, if you are unable to make your current home loan payments, there is risk that you will not be able to make them later, too. This program can only help those that can afford the loans, even with FHA backing. The Latest On The FHA BIlls in Congress August 14th, 2008 A few weeks ago, we talked about Congress, the Bush Administration and the FHA and a bill that was being debated. Perhaps it is time for an update on where the legislation stands. Congress believes it has the right, and the obligation, to pass laws that would allow and even require that some $300 billion worth of troubled loans would be turned over to the FHA to manage. There is little doubt that there are risks for everyone involved in such a turnover. Nevertheless, as much as people are talking about the risks this would place on consumers, the government and plenty of other people, there has been movement within Congress regarding the process. The bill passed throughout the House. It is now on the floor of the Senate and being debated. The bill has been expanded to now include some 1.5 million loans; most of these loans are subprime, high-risk home loans. While the FHA is an outstanding organization and provides a lifeline to those that need it, the debate centers around one fact: should Congress step in and force the FHA to take these substantially risky loans at the taxpayer’s expense. More so, just a few weeks back, FHA announced that last year, the 2007 fiscal year, say a loss of some $4.6 billion dollars. That is the largest and most severe drop the government agency has ever seen. Yet, more risk is in order here through even more loans that are high risk? As with everything in Congress, the Senate did make some changes to the bill. They added what is being called a modernization. This will provide the FHA with the ability to lower the amount of a required down payment by the potential homeowner while still allowing the agency to nearly double the loan limits in place. The problem I see here is that this may put even more risk on the heads of taxpayers. Tens of billions of dollars worth of risky loans could be on the taxpayer’s head. Is that the right route to take? There is a lot of speculation as to why the FHA struggled last year. Yet, looking forward, the goal of this agency is to provide a financially sound start for those who need it. In addition to this, you have to wonder if this will help to pull the country out of its housing situation. Can one agency be called on to do so much? Another worrisome area of the Senate’s proposal is the fact that the FHA will be able to take loans from private banks that are funding them. The problem is that these are the highest risk subprime loans, which puts additional risk on the agency. According to Brian Montgomery who is the current FHA commissioner, the bill would strap the agency considerably. After talking about the losses from last year, he noted that the FHA would be further in the red should the bill pass Congress and be signed into law. In fact, it is not just speculation. Many of the lenders who have funded these high-risk loans are now saying that they will take the “bailout” and hand over the loans to the FHA to manage. Reports show that people are looking for answers to their home loan needs. For many people, FHA loans are the best type of loan to fund your home, and I highly recommend that anyone that may be struggling or otherwise looking for a good deal to contact FHA lenders to find out what solutions are available to them. There is no doubt this agency has every ability to help many. Sales Rates Move Higher August 12th, 2008 The housing industry is under an enormous strain, without a doubt. However, news is that existing home sales are up. Some real estate agents are contributing the growth in home sales to be because many home buyers are finally getting off the fence about making their investment. Since many homes are now at the lowest rates they have been in four years, the investment opportunities are simply too good to pass up, and buyers realize this. Resale of homes and condos in the United States market have risen by 2 percent. This is a seasonally adjusted rate that takes into consideration the movement from April to May. In May, some 4.99 million homes were bought while in April, 4.89 million homes were purchased. The good news is that this is the highest rate increase since February and may signal a lessening of the worries many home buyers have faced over the last months. Look farther back and you can see where the real numbers are. In the last year, figures are still markedly lower with a drop of 15.9 percent. Look even farther back, to the peak home sales of 2005, and the drop is much more considerable at 31 percent. Of the homes selling, about a third of the total sales are distressed sales. These include homes that are in foreclosure (or have been foreclosed on) as well as short sales done to keep foreclosures from happening. Inventory numbers are still high, but did fall 1.4 percent in this period. There is still a near 11-month supply on the market. Home sales have dropped in value, though. They are down 6.3 percent over 2007 to $208,600, which is a median price. The largest growth was seen in the Midwest while the Northeast rose nearly the same about. The South saw the smallest increase of all areas. New home sales have not fared well, which has put a large strain on the economy as home builders struggle to find individuals willing to buy. The Commerce Department announced on June 26th that new home sales fell by 2.5 percent. The annual rate (seasonally adjusted) has fallen to 512,000. As this shows, home buyers should be ready to get into the market. With home prices at historically lower numbers and interest rates quite loan, there has not been a better time in recent history to get into the market. Since many economists feel that by the end of the year the housing market will turn upward significantly, those considering purchases should make their move sooner rather than later. To get the lowest rates and to have the most secure loans, homeowners should seek out the opportunities to buy into these markets offered by FHA loans. LOOK AST THE HEADLINES AND YOU SHOULD BE SCARED August 9th, 2008 You are an individual who would like to get into their first home. You are worried, even scared to get started due to the number of risky loans out there. The headlines tell the story themselves. “Subprime Smack Down” “Foreclosures Increase Homelessness” “Countrywide Accused of Predatory Loans and Misleading Ads” And, these are the nicest you have seen. The media has made the housing market even worse than it is. The fact is, for someone with decent credit, there are some of the best opportunities available, especially those who qualify for FHA loans. Look at the facts. #1. Home inventory numbers are at the highest they have been in recent memory, which means there are plenty of homes to select from if you are ready to get into them. If you have been on the fence, now is the time to jump off. #2. Interest rates are at record lows. The Fed recently announced that they would keep interest rates at this historically low point for this quarter (2 percent prime lending is not very bad at all.) In other words, these home loans are inexpensive. #3. It is a buyer’s market. There is no doubt about it, cheap homes are out there in record numbers. Housing prices have slowly fallen to levels as low as 31 percent of their record high numbers in 2005. They are not likely to continue to fall much farther, many economists say. For those considering buying a home, there are aspects to worry about. For example, many home buyers are rightly concerned about the risks of getting into a loan that is not stable, too costly or even worse, working with a lender that may go under. Those are important worries, but an FHA loan may help to put your worries aside. In record numbers, FHA has been helping home buyers to get into more affordable loans. There is no reason to worry about lending when you have this government-backed loan for your home. Moreover, FHA loans are even more affordable than those that are conventional. They are more readily available too, since you do not have to have a large down payment or a perfect credit score to get into them. The headlines you see are worrisome for many reasons. In addition, while there are risks with some lenders and with those in subprime loans, there are still opportunities available to homeowners who are looking for new opportunities. If you are considering the purchase of a home, get into it through FHA. GETTING MORTGAGE HELP THROUGH FHA CONGRESS August 7th, 2008 There are many ways to look at the current bill in Congress that would allow FHA to take on some of the most risky loans. While I have not been very positive about this situation, if it does happen, what should the average homeowner expect and what should you do to get help? First, if you are in a situation and need help, do not wait for this bill to pass. Instead, call on FHA as soon as possible. Find out what solutions they may already have in place to help you out of your worrisome mortgage and into a safer one. Many homeowners who are struggling to make ends meet are seeing that they do not have to lose their homes to foreclosure. Instead, they can take advantage of the programs already in place through FHA to get into a more affordable loan. Granted, not everyone qualifies right now for this opportunity. Let us say you do not qualify for an FHA loan right now. Wha