Ohio Pedophile Serial Killer Arrested in Ohio

MOUNT VERNON, Ohio — A man accused of kidnapping a 13-year-old girl and suspected in the disappearance of her mother, brother and a family friend was scheduled to be in court on Tuesday, as investigators dug deeper into his past. Hoffman, 30, was charged with kidnapping and raping Sarah Maynard. The 13-year-old was removed from Hoffman's Columbus Road home after authorities swarmed the location on Sunday morning. Knox County Sheriff David Barber said that Maynard was released from a hospital and was at home with family members. Investigators did not elaborate what led them to Hoffman's home but his parents have a house on Apple Valley Drive in nearby Howard, Ohio, the same street where Maynard disappeared, along with her brother, Kody Maynard, 11, mother Tina Herrmann, 32, and family friend Stephanie Sprang, 41, 10TV News reported. Hoffman's mother said her son occasionally had mail sent to her address but he has not lived at her home in two years. She described her son as a "loner" and that she last saw him on Nov. 7, four days before investigators believe he abducted Maynard. Hoffman was convicted in 2000 of setting fire to a Colorado condo complex that forced 16 people to be evacuated, 10 Investigates' Paul Aker reported. Investigators said he used 10 gallons of gasoline to set fire to the Steamboat Springs building in an effort to cover up a burglary he committed there. He was sentenced to eight years in prison, where he was disciplined for refusing to work, damaging ...



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How To Short Sale A California Inland Empire Home Upland Claremont Ontario

RC Mortgage script 1.0 Welcome, my name is Chris George, CEO of RC Mortgage Quest We are a company of premier real estate and loan professionals who pride ourselves on providing the finest expertise in all aspects of real estate. RC Mortgage Quest is the EXPERT to call for ALL your Short Sale needs. Exceeding our clients expectations is our goal. RC mortgage Quest uses state of the art advertising which includes the newest, web video marketing, Internet, magazines, commercials, and other media to achieve maximum exposure, to get the property sold. We also offer a property 'upkeep' service... to turn a 'not salable' home into one that is marketable. We maintain the property until it is sold. Realizing that each transaction is unique, we have specific programs in place to make each transaction, purchase or sale as effortless and seamless as possible, while maintaining the highest degree of professionalism. With over 30 years of combined expertice in the Real estate field... RC Mortgage Quest generates much of its business from past satisfied customers, referrals and life long relationships within the local community. For further information please contact us or visit our corporate office in Upland California We are here to serve you. Contact RC Mortgage Quest at 909-985-1500 1470 W. 9th Street Suite A Upland, CA 91786 email: RCMortgageQuest@gmail.com Serving the southern California Inland Empire cities of Upland, Claremont, Ontario, Rancho Cucamonga, Fontana, Etiwanda ...



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Cindy Zemien, Bell Mortgage

Meet Cindy Zemien - Senior Loan Officer for Bell Mortgage. Cindy works in the RE/MAX Results Apple Valley, MN office location. Contact Cindy at czemien@bellmortgage.com.



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How to Finance a Home the Right Way

When a homebuyer accepts the sellers offer, or has the counter offer accepted by the seller, they now are on their way to possessing a more than likely worthwhile investment. Not only are homes historically great investments simply because their price will most likely continue to increase, they are great in investments because an owner will most likely be able to gain strong profits and equity from the home.

The price that is finally agreed upon by the buyer and seller as the cost of the home is not the actual total cost of the home. If it is a sellers market, all of the closing costs will usually fall upon the buyer. Closing costs may include anywhere from three to eight percent of the entire cost of the home. In addition, only a realistically small group of buyers are able to pay cash for their home. In fact, most buyers have a hard time coming up with the advised twenty percent of the down payment. Because buyers rarely have an excess of saved capitol on their hands, they will need to finance the purchase through a lending institution.

A lending institution makes money by charging a "rent" on their loan called interest. If a buyer decides to go with the minimum payments of a thirty year mortgage, they will soon discover that for the great majority of the life of the loan the payments are mainly being put towards the interest on the loan. Because loans vary so much with the rate at which they effectively cost, being extra particular and really shopping around for a lending institution is wise.

If a borrower is able, and is consistent and loyal in their repayment of the loan, they are actually making the lending agency a lot of money. If the borrower knows they are a low risk client, that they are positive they will not default on their loan and repayments, then they need to realize that the lending agency is not doing them any more of a favor than the lender is doing to the borrower.

A borrower needs to realize that there are a lot of different options in acquiring a loan. For first time borrowers there are the options of having extremely low money down, as low as five to zero percent. One issue with putting little money down is the interest rate will be a whole lot higher to compensate for the added risk of less investment on the borrowers behalf, and the monthly payment will be significantly higher.

The gold standard among lenders is to have the borrower put twenty percent down on the loan. Any less than twenty percent and lenders do get nervous and they will want an outside or another party insure the loan. Some of the insuring organizations that administer this extra investment are the veteran's administration, some private companies, and other government agencies such as Fannie Mae.

As any buyer or borrower begins to start the process of filling out the loan application, realize that the lending institution is about to go increasingly deep into the borrowers life. They will look at pay stubs, credit history, work history, etc. During this particular part of the process, realize that the great investment buying a home is is all worth the pain of being thoroughly examined.

***Attention Readers***
This article is brought to you by Juhlin Youlien. He writes for Our Best Real Estate which is your source for thousands of Paradise Valley AZ homes for sale and the best rated Paradise Valley AZ homes. Our Best Real Estate is a website at the forefront of the real estate market dedicated to bringing you the best homes and the best realtors.

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Sample mortgage payments for a $100000 home in Knox County Ohio

Short 2 minute video explaining some sample monthly payments for affordable homes in Knox County Ohio. In many cases it is more affordable to own a home in and around Mount Vernon than it is to rent a similar sized apartment. Video created by Sam Miller of REMAX Stars Realty (740) 397-7800 www.KnoxCountyOhio.com. (this video is for example purposes only and we are not offering any type of mortgage services).



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Short Sale Tips Southern California Free Foreclosure Help Real Estate Secrets

Web TV Commercial and Video SEO by www.DiroStudios.com Welcome, my name is Chris George, CEO of RC Mortgage Quest We are a company of premier real estate and loan professionals who pride ourselves on providing the finest expertise in all aspects of real estate. RC Mortgage Quest is the EXPERT to call for ALL your Short Sale needs. Exceeding our clients expectations is our goal. RC mortgage Quest uses state of the art advertising which includes the newest, web video marketing, Internet, magazines, commercials, and other media to achieve maximum exposure, to get the property sold. We also offer a property 'upkeep' service... to turn a 'not salable' home into one that is marketable. We maintain the property until it is sold. Realizing that each transaction is unique, we have specific programs in place to make each transaction, purchase or sale as effortless and seamless as possible, while maintaining the highest degree of professionalism. With over 30 years of combined expertice in the Real estate field... RC Mortgage Quest generates much of its business from past satisfied customers, referrals and life long relationships within the local community. For further information please contact us or visit our corporate office in Upland California We are here to serve you. Contact RC Mortgage Quest at 909-985-1500 1470 W. 9th Street Suite A Upland, CA 91786 email: RCMortgageQuest@gmail.com Serving the southern California Inland Empire cities of Upland, Claremont, Ontario, Rancho ...



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$148000 3BR/2fullBA - LOUISVILLE, KY - 7802 APPLE VALLEY DR

LOUISVILLE Homes for Sale and Real Estate $148000 3 bedrooms, 2 full baths 7802 APPLE VALLEY DR LOUISVILLE, KY 40228 MLS #: 1268415 More details on this listing: www.semonin.com For more information, contact: Doug Osborne theosbornegroup@semonin.com (502) 468-0532 Let Doug Osborne show you this home in Louisville, KY. Rich wood floors and a lovely cozy fireplace welcome you to this charming home. Airy and dramatic vaulted ceilings contribute to the distinct feel in the home. Creative ceiling lines give this dining area a unique feel and show craftmanship. Featuring a convenient snack counter, the kitchen is also full of storage and counter space. You'll find 3 bedrooms and 2 full baths in this home. Read, relax and retreat in the solitude of the sunroom. To arrange for your personal showing, contact Doug Osborne today.



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Rosemount man pleads guilty in bank fraud - "Sun-Current Today" TV news - Thursday, Sept. 10

A 34-year-old Rosemount man pleaded guilty yesterday in federal court to one count of bank fraud. The charge stemmed from a scheme to obtain mortgages and funds from the Inver Grove Heights Bremer Bank where he was formerly employed. According to a release from the US Attorneys Office, in the plea agreement Eric Sunsdahl admitted that in April 2005 as a personal banker at Bremer he created a $100000 home equity line of credit based on a fraudulent loan application. Sunsdahl was originally indicted April 21 on seven counts of bank fraud, seven counts of false statements on loan applications and one count of conspiracy to commit wire fraud stemming from the scheme, which allegedly spanned from 2004 through 2007. In a separate action, an independent mortgage broker from Eagan, John Rubischko, age 37, was sentenced in January to 87 months in federal prison on one count of wire fraud and one count of aggravated identity theft. Rubischko helped Sunsdahl disburse the fraudulently obtained funds and paid Sunsdahl for arranging the transactions. Sunsdahl faces a potential maximum penalty of 30 years in prison. He will be sentenced at a future date.



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$150000 3BR/2fullBA - LOUISVILLE, KY - 7802 APPLE VALLEY DR

LOUISVILLE Homes for Sale and Real Estate $150000 3 bedrooms, 2 full baths 7802 APPLE VALLEY DR LOUISVILLE, KY 40228 MLS #: 1268415 More details on this listing: www.semonin.com For more information, contact: Doug Osborne theosbornegroup@semonin.com (502) 468-0532 Let Doug Osborne show you this home in Louisville, KY. Rich wood floors and a lovely cozy fireplace welcome you to this charming home. Airy and dramatic vaulted ceilings contribute to the distinct feel in the home. Creative ceiling lines give this dining area a unique feel and show craftmanship. Featuring a convenient snack counter, the kitchen is also full of storage and counter space. You'll find 3 bedrooms and 2 full baths in this home. Read, relax and retreat in the solitude of the sunroom. To arrange for your personal showing, contact Doug Osborne today.



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New Sun Current webcast debuts - "Sun-Current Today"- South Metro TV news - Monday, July 6

This new daily webcast brings you what's going on in Apple Valley, Burnsville, Eagan, Lakeville and Rosemount. Eagan Police arrested three individuals Friday after a man was threatened and shots were fired into his home. According to Eagan police, officers arrived at the home on the 4500 block of Whitetail way at 10:34 pm They were then able to locate the vehicle the suspects were traveling in. While stopping the vehicle, officers noticed one of the suspects threw a gun out the window, which was later recovered on the roadside. Police arrested two occupants of the vehicle while a third fled. Other police agencies and a state patrol helicopter pursued the suspect who fled, who was located at a residence in Eagan the next morning and taken into custody. The three suspects, an 18-year-old female from Eagan, a 20-year-old male from Eagan and a 21-year-old male from Inver Grove Heights, are in the Dakota County Jail while the county attorney's office determines possible charges. Abdiaziz Bashir Abdikadir, age 21, of Savage was charged Thursday in connection with a burglary June 29 at a Burnsville home. According to the criminal complaint, he entered the home through a kitchen window where he pushed a 9-month-old child down to get inside. The child hit her head. A female adult told the intruder to leave, but the man, later identified as Abdikadir, threatened her life. He is charged with first-degree burglary and terroristic threats, both felonies, and fifth-degree assault, a ...



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Sample Monthly Payments for An Affordable Home in Knox County Ohio

Mount Vernon Ohio Real Estate Agent Sam Miller of REMAX Stars Realty shares a brief video that gives an example of a base monthly loan payment based on a $100000 loan amount on a 30 year term with a 5% fixed interest rate. The first time home buyer tax credit when combined with these low interest rates makes it an ideal time to purchase a home. This sample monthly payment is for example purposes only and neither Sam Miller nor REMAX Stars Realty are offering mortgage financing.



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Home Value Trends in California

Industry experts and the media have made it hard to get away from the state of the real estate market throughout the United States, ranting on about sharply declining home value averages and the bursting of the housing bubble. Many of these gloom and doom predictions generalizes the information for nationwide usage, when really, each geographical area has it's own unique rises and falls in home value and home sales and real estate trends in general. If you're looking to buy or sell a home, the national home value average won't help you (if you're curious, it's actually about $221,900) but digging deeper into your area's real estate market certainly will. Before deciding to sell your home, or move to a new area, it is important to get an idea not just of the average home value and rate of sale, but the economy, employment, and attractions in that area.

California (with it's capital of Sacramento) has a population of 36,457,549 with an unemployment rate of about 5.1%, inching closer to their historic low of 4.7% in November of 2006. The median household income in 2004 was $49,894 while the current median home value is about $575,000. The economy is based on agriculture (mainly vegetables, fruits & nuts, dairy, cattle and grapes) and industry sectors such as electronic components, computer and software, film production, aerospace, petroleum and tourism.

California is well known for it's attraction of tourists. In fact, California is first in the nation for travel earnings, domestic and overseas visitors, with tourism equaling out to 6.5% of the gross state product. There are 12 specific regions of California, all with their own attractions to offer: the North Coast, Shasta Cascade, the Bay Area, Gold Country, Central Valley, High Sierra, Central Coast, Los Angeles, Desert, Orange County, Inland Empire and San Diego. The myriad tourist attractions California has to offer are amusement/recreational parks (Disney Land, Yosemite National Park, etc), beaches, mountains, desert, wine country, museums, and of course cultural hot spots like the cities of San Francisco, Los Angeles, Sacramento and Santa Barbara.

With such a high level of tourism, it's no surprise that in the early years of the 2000s, California's real estate market was booming and home value averages were at an all time high. People were moving to California or trying to purchase second homes like crazy and inventory sold like hotcakes. As the California Association of Realtors predicted, the market has downshifted since 2006. They predict the median home value will decline about 2% to $550,000 while home sales will decrease by about 7% to under 450,000 units, compared with over 480,000 units in 2006.

C.A.R. President Vince Malta believes the gap between buyer and seller expectations has slowed the market because sellers still hoped to obtain the highest home value price possible in 2006 while buyers' sense of urgency wanned as they had more choices on the market. Vice President and Chief Economist Leslie Appleton-Young of C.A.R. has another explanation as well: "The anticipated slowdown that began in October 2005 was heightened by dual natural disasters in the Gulf Coast, a significant drop in consumer confidence, rising energy and raw materials costs and a series of Federal Reserve interest rate hikes that began in June 2004." She goes on to say that mortgage rates passed a threshold as well, causing a decline in affordability of homes.

The California Association of Realtors also expects that some regions such as Central Valley, San Diego and the Riverside/San Bernardino regions will have greater sales declines and home value drops than the rest of the state. So what does this mean to a consumer looking to sell? Well, right now your home value has probably lowered some what (especially when compared with inflation) so if you can hold off on selling, you may want to see what happens in a year or two. If you're looking to buy a home and stay in it long term, now might be the time to get a great home at a low home value and hold on to it. Ten years from now, there's no telling how the California real estate market will go or what your home value will be - but for right now, California is moderate at best.

Find out your own home value and other valuable homeowner information at GetMyHomesValue.com

Ashley Lichty is a webmaster and the resident SEO of Web Xtreme, Inc. She has a background in real estate and marketing with an emphasis in writing.

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Learn How to Price Your Home in a Buyer's Market

Pricing your home is both an art and a science. It is probably the most important decision you and your real estate agent will make. This is especially true as the hot housing market turns from a seller's to a buyer's market. To be comfortable setting the listing price for your home, consider these key factors?

1. Think Like a Buyer Buyers will look at your home with impersonal and calculated eyes. They won't have an emotional attachment or your personal interests in mind when they make an offer. Regardless of weather the overall market favors the buyer or seller, the buyer will want your home at a fair market price. They are not considering how much you paid for the home, the value of the memories that you have in it, how much cash you need for to close on your next home, or how much time and money you have invested in your home's landscaping, bathroom updates, painting or other improvements. When you first decide to sell your home, it's no longer your home. It belongs to the buyer with the best offer for you. Emotional detachment from your home will help you see your home the way a buyer will be looking at it. Brush up on more selling advice.

2. Start with CMAs Invite a few real estate agents to work up a CMA (Comparative Market Analysis) for your home. A CMA compares the price of homes recently sold, homes that were on the market but didn't sell, and homes currently on the market to give you and your real estate agent an idea of how to price your home. Ask the agents why each particular home was included on their CMA. Have a list of questions and compare the answers you get from each agent. As you will find out, a CMA will show you varying prices for what each agent thinks your home is worth. Look for what seems to be a reasonable price. Some real estate agents will want to price your home below market value, looking for a quick sell or a bidding war. Some will overprice it looking to play on your hopes that your home is worth more than it really is, but an overpriced home will sit on the market longer and will likely need to be reduced later. Most real estate agents will provide you with a home value estimate or Comparative Marketing Analysis (CMA). It as good idea to find real estate agents who have plenty of experience pricing homes in the area, especially as the market turns to a buyer's market.

3. Consider a Professional Appraisal A CMA will give you a good idea of the value of your home, especially if the agent is familiar with pricing homes in your neighborhood. However, for several hundred dollars that it usually costs to purchase a professional appraisal, the money could be well spent for several reasons. If the CMAs you get from real estate agents are not reasonably consistent, you might want to get an totally unbiased view point, one that you pay for. An appraisal of your home will make clear anything that may be wrong with your home and it adds an additional layer of assurance for prospective buyers. Appraisers rely on in-person inspections of your home, recent sales of like-homes in your area, and other data to arrive at their opinion of your homes' value. The report you receive from an appraiser is more detailed than a common CMA. The appraiser's report is a full-blown description of your home and the criteria used to formulate the valuation.

4. Research On Your Own You can research several ways. Stop by homes that are for sale in your area and pick up a flyer. Spend an hour or so on the Internet looking at homes in your zip code with the same square footage, bedrooms, and bathrooms. Finally, visit open houses around your home and make an impartial assessment of how those homes compare to your own in terms of condition, location, size, ages, and upgrades. As you visit the open houses, make an honest assessment. Given similar condition, age and square footage, would you buy your home or the home you are touring?

5. Price per Square Foot Some agents may want to price your home solely on price per square footage. While this is an industry standard way of calculating home prices, there are many other tangible aspects that go into your home's price. The average price per square foot in your neighborhood should be the starting point for setting your home's price.

6. Market Conditions Consider the overall housing market in your area. Are home prices moving up over time? How long do homes stay on the market before they are sold or withdrawn? Where are interest rates? Is the overall economy in your area and state strong or weak? Are employers hiring or are they overly cautious of bring on new employees? Are builders actively building new homes? Will you be entering a buyer's market or a seller's market.

7. Determine Your Selling Costs
There are many costs involved in selling your home. Don't shy away from getting to the bottom line as this is essential information. Use a variety of mortgage calculators and financial calculators.

8. Flexibility and Options Both you and your buyer may have needs that go beyond the bottom-line. If you are willing to close escrow quickly, you will attract buyers who want to move in right away. A lease-option can help first-timers who need down payment assistance. If you can offer seller-financing, your home will appeal to buyers who need to stretch their financial resources. The more creative and flexible you can be in meeting the buyer's needs, the more success you will have in pricing your home to sell. If your home has been on the market for a while, can you offer a point or two back to the buyer to help with closing costs or needed repairs.

9. Use a Discount Real Estate Broker There are many good reasons to use a good discount real estate broker. The obviously reason is that you keep more of your home's equity, but in a buyer's market, using a discount real estate broker gives you pricing flexibility and that gives you not only a cushion to negotiate but a distinct competitive advantage over the other homes on the market using full-commissioned brokers.

Jeff is the owner and partner of We List homes 4 Less [http://www.we-list-homes-for-less.com/index.html], a full-service real estate broker in the Santa Clarita Valley. Jeff is a strong advocate of using the Internet to promote niche local business and pass the savings onto clients. Their site rates in the top 99.75% of all Websites according to Alexa, a traffic rating service owned by Amazon. Find more house selling advice [http://www.we-list-homes-for-less.com/home-selling-guide.html] and mortgage calculators [http://www.we-list-homes-for-less.com/mortgage-broker-santa-clarita-valencia-calculator.html] at We List Homes 4 Less.

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Buying Houses: Types of Bargains to Find

To make a good profit in real estate, you must buy right. Check out all property types available to find the best transaction for your specific situation. Consider fixers, distressed sales, repossessions, multiple listings, for sale by owners, and vacant properties just wasting away.

Distressed Properties

Recognize the difference between a fixer and a distressed property. Distressed properties may be fixers or just unwanted houses. Divorce, job loss or transfer, death, financial difficulty, and other problems often force a sale for less than market value. Just because an owner's problem causes a distressed sale does not mean the house requires fixing.

REPOSSESSIONS

Although the repossession market seemed dried up last summer, houses are beginning to appear on foreclosed lists again. Lender Rob Kramarz with Nationwide Mortgage (www.seetloan.com) says that this may be the beginning of another real estate investor boom.

Look for great bargain properties for sale by HUD, VA, Freddie Mac, Fannie Mae, and Bank-REOs (acronym for real estate owned). Real estate agents try to discourage you from repos and switch you to multiple listed homes. Do not listen to negative remarks about how hard it is to find a good deal property. Find another agent. Even in the hot market at the time of this writing, when the average house sells in less than three weeks, we found two properties for at least forty thousand dollars under market value.

Paying a listing service to mail you lists of repossessed properties is a waste of money. Actually, by the time you get these lists, the houses are already sold. Many web sites listing foreclosures thrive on the web for no charge to you.

Take a flashlight with you to view a repossessed property. With no electrical service and boards covering windows, viewing dark rooms is tough. A good real estate agent will have her own flashlight, but you want to see what you want and not what she wants you to see.

HUD

In our area, new HUD listings post online late Thursday night or Friday morning. New "Daily's," homes previously sold which fell out of escrow, post Saturday morning. Properties not sold during the bid time stay listed as daily's. Bids, due by the following Tuesday at midnight, must be submitted by a real estate agent who has completed HUD registration. Don't waste your time using a Realtor who is not familiar with selling HUD homes. Any mistake causes the bid to be rejected. Don't use an agent who says you must bid way over minimum bid. Find an agent specializing in HUD homes who wants to work with you on your terms. Many bargain HUD homes do sell for far more than the minimum bid. Hold out for the one property which doesn't get way overbid. (I bid about $40,000 under minimum on our second home owner-occupant mountain cabin.)

We submit many bids and win enough to make it pay us well. HUD only allows one repo purchase as an owner-occupant every two years from the date of closing.

Rely on your gut instinct and don't let your real estate agent unduly influence you. It is not a difficult process for your agent to make a computer bid. You need an agent willing to make a few bids to get a successful bid. This is like winning a lottery, with the odds in your favor.

Bids must have a lender's loan commitment statement. Lenders unfamiliar with HUD requirements also waste your time. Any mistake causes you to lose the purchase. Not all lenders understand HUD's bid, finance, and purchase process.

When placing a HUD bid, raise your offering bid to cover some of your closing costs. This means you get HUD to pay your closing costs and save out-of-pocket expenses. Also, the higher sales price impacts the market comparable sales in your favor for sale later. Your purchase price influences the values of the market area. Keeping prices higher for active sales during your renovation time protects your investment potential.

Don't get attached to one particular property. We placed a bid on a home I loved in Apple Valley and lost it by a few hundred dollars. The house came back on the list later, not at all uncommon for HUD repos. But, by this time, we had already purchased a better distressed property.

VA

Cleaner than HUD repos, homes owned by the Veterans Administration are also offered on a bidding system through real estate agents. The VA partially fixes up their repossessed homes. The VA sometimes offers vendee (seller) financing with few processing costs, low interest, and no prepayment penalty. You do not have to be a Veteran to buy these easy to qualify for homes.

As of this writing, the VA is changing the way these homes are offered for sale. This is another reason you need a real estate agent who stays on top of recently revised marketing procedures relating to government-owned properties.

Less known government agencies such as Fannie Mae, Freddie Mac, FDIC, SBA, the IRS, and GSA list repossessed properties on their individual web sites. These properties, rarer than HUD and VA, usually get cleaned and repaired before listing with real estate agencies with sale prices closer to market value.

REOs

Banks often offer their real estate owned--REO homes at bargain prices. Depending on the bank's resale policy, conditions of the property, and available financing, REO opportunities vary widely. Several banks lend on their repos while other banks just want out. Great financing becomes possible through the banks who offer in-house terms. Ask for no points, minimal loan costs, and no prepayment penalties. Check with your local lending institutions and find out how they market their repossessions. Many of these bankers will give you their web page listing available property. Befriend real estate agents who specialize in listing bank-owned repossessions so they will notify you of a new listing immediately.

Multiple Listings

It is hard to find a bargain in multiple listings, but not impossible. Check out listings which have been on the market for awhile. Look for vacant houses, as these cost the seller money every month. Make an offer for much less than asking price with a quick escrow. Many anxious sellers jump on an offer if they think they will be out of their problem in only ten days. This is another reason you need a lender and an escrow officer who perform fast.

I follow the multiple listings in our area on the Multiple Listing Service. One of my agents emails me new listings daily. You need an agent who calls you the minute a new distressed property listing becomes available. Under-priced listings mostly get snapped up by the real estate agents and their investors before they hit the market.

Just like making many bids, make many offers. You never know when a seller's problems reach a critical point causing abrupt action.

For Sale by Owners

Houses for sale by owner may not always be a great buy, but there is always at least one bargain out there. Many investors prefer buying directly from the owner. If you have ever tried to sell your home by yourself, you probably met some of these investors. Cruel, hard, and in some cases, fraudulent investors dream up all kinds of schemes to steal houses from distraught homeowners. Understand that the home seller most likely dealt with these callous investors before you and therefore may view you with suspicion. Earn their trust by working with them honestly and compassionately.

Seller's Motivation

Let honesty and kindness guide your actions with sellers. Finding out the seller's specific problem is the key to helping them and yourself. Uncover the seller's particular need and find a solution. Because it is embarrassing for some sellers to let you in on their troubles, extra sympathy and relaxed timing helps you unearth their underlying motivation. Listen carefully, stop talking, and pay attention to details which lead to understanding the real reason they need to sell.

The seller may need a quick escrow, need to rent back the home for a while, or want immediate cash. You could give the seller a loan of cash with a note secured by the property. Ask an attorney about your state laws regarding this type of purchase advance. We offered a seller a $2,000 deposit outside of escrow, which went toward the down payment, to entice a money-hungry seller to commit to our low price.

Many sellers do not need all of their cash out. Owner financing is a great deal for you. Usually, you get a lower interest rate and you don't have to pay lender's points or prepayment penalties. Also, these loans typically won't show on your credit report so you won't have these payments counted against you. If you have a good credit report, take a copy with you to show to the seller. This prevents more inquiries on your credit history and keeps your credit score from dropping.

Ready to Buy

Be prepared to make an offer immediately when you find a bargain. Make sure you are pre-approved with a great lender who can close quickly.

Distressed sellers and fixer houses offer you a great way to get into the real estate investing business.

(c) Copyright 2004, Jeanette J. Fisher. All rights reserved.

Professor Jeanette Fisher, author of Doghouse to Dollhouse for Dollars, Joy to the Home, and other books teaches Real Estate Investing and Design Psychology. For more articles, tips, reports, newsletters, and sales flyer template, see http://www.doghousetodollhousefordollars.com/pages/5/index.htm

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Xtreme Investor

If the battered real estate market has not already taken enough blows, get ready for another round of downward price pressure and increased inventory levels as a result of national mortgage lenders taking drastic steps to forego the rising tide of foreclosures. A lender's willingness to take a loss, consummate a short sale and forego an expensive foreclosure is about to soar. The reason is simple -- the huge volume of loans falling into default. And a lender's worst nightmare is owning all these foreclosed homes. As a result of this wave of homes that will hit the market and the lenders' willingness to sell at fire sale prices, there will be a major transfer of wealth that takes place. Buyers and investors that purchase real estate over the coming months will be the ones who gain and gain big. As we prepare for the tsunami of housing inventory and the incredible prices that will accompany it, we are positioning buyers and investors to take advantage of buying these properties quickly as they become available. Learn more at www.xtremeinvestor.com



http://www.youtube.com/watch?v=n3VZ-ZR-M5s&hl=en

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Sample Mortgage Payment Based on a $50000 Loan Amount

REALTOR Sam Miller of REMAX Stars Realty provides some basic sample mortgage payments for a $50000 loan including just the principal and interest. This video is an example of the base monthly loan payment for a $50000 loan amount financed on a 30 year term with a 5% fixed interest rate. The first time home buyer tax credit when combined with these low interest rates makes it an ideal time to purchase a home. This sample monthly payment is for example purposes only and neither Sam Miller nor REMAX Stars Realty are offering mortgage financing.



http://www.youtube.com/watch?v=c67Z8Qo8ELY&hl=en

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