Email Marketing As A" Push" Strategy

Category: Finance, Real Estate.

There s little doubt that the U. After several years of freewheeling lending practices and unsurpassed increases in home valuations, the real estate market is undergoing a major correction.

S. real estate market is undergoing a profound transformation. Home values are dropping in many areas around the country, and some homeowners are facing an impending uptick in their adjustable rate mortgage payments, placing them in an untenable position. Lenders are tightening the criteria for mortgages, and the window for subprime lending is closing. In short, it s a volatile market. Some homeowners who are holding subprime mortgages are facing foreclosures, while others are trying to sell their homes before they find themselves in a negative equity situation. Real Estate Marketing. As a result, investors, real estate professionals, and home sellers are scrambling to gain an edge in a competitive marketplace.

Long gone are the days when traditional methods of real estate marketing are sufficient to move properties. Just as in most other areas of business, the Internet is playing a crucial role in real estate. A sign on the lawn, a Multiple Listing Service listing, and an open house still have their place, but they comprise only one facet of an effective real estate marketing campaign. Online listings of homes for rent, and foreclosures draw, homes for sale an increasing number of buyers and investors. Still, online listings and multimedia presentations are relatively passive forms of marketing in this competitive era. Photographs and video are increasingly being used to whet the appetites of potential buyers. Those who are on the cutting edge are utilizing the Internet to their best advantage, and taking strategies from the playbooks of those in other fields.

If drawing potential real estate buyers to an online listing is a" pull" strategy, then real estate email marketing is a" push" strategy- one that makes sense in today s marketplace. Email Marketing as a" Push" Strategy. After all, retailers and e- tailers use email marketing to their best advantage. It makes sense that real estate email marketing can also be effective, in that it delivers information about agents, sellers, developers, and their respective properties directly into the hands of interested potential buyers. Email inboxes are stuffed with large and small business emails alike. Email Marketing is Easier than it Seems.

After all, their expertise is in real estate and they may not be very tech savvy. At first blush, real estate email marketing may seem out of reach for many people. On the contrary, there are online real estate services that make email marketing a cakewalk for virtually anyone. Essentially, you should be able to send your first email marketing piece in less than an hour. When looking for an online email marketing service, choose one that can help you create emails, manage your contact lists, and obtain tracking reports. The best services have" wizards" that allow you to, put together email, for example newsletters using a Web interface and on a single screen.

Once you ve sent your emails or newsletters, the service should enable you to track the results, telling you how many emails you sent, how many bounced back, how many people opened the email, how many clicked on the links, and how many forwarded it on to others. Templates and click- and- drag functionality allow you to easily arrange text, and instantly see, upload photos what your recipients will see when they receive your email. There s little doubt that real estate email marketing is a cutting edge tool that helps push your message into the inboxes of potential buyers. And in today s competitive environment, it s an advantage you can t afford to be without.

The Foreclosure Spiral Most Lenders Have Mortgage Loan Time Frames

Category: Finance, Real Estate.

Apart from divorce settlements that ended up in a huge spat between you and your spouse that the neighborhood witnessed, there could probably be nothing more embarrassing than being evicted from your own home. These unforeseen circumstances could inevitably affect your mortgage payments which could lead to the foreclosure spiral.

What not many people are aware of is that this embarrassing and frightful situation can become a near possibility especially with life changing events in one s life such as the loss of a job, and bereavement, divorce settlements. When you are deeply immersed in the foreclosure spiral, the possibility of eviction becomes very very real. From the day the mortgage payments are due, you still get to have 16 days until you are reminded of your delinquency. The foreclosure spiral Most lenders have mortgage loan time frames. Afterwards, expect your lender to be in frequent contact with you for delayed payment. After the 30th day mark and you still have not been able to pay your monthlies or any balance due, a foreclosure demand or breach letter will be sent. Also, an extra fee for late payment is appended to your balance.

You will be given more or less 30 days to still pay your debt. How to deal with the foreclosure spiral The best way to deal with the foreclosure spiral is to prioritize your debt and pay back as soon as possible. Afterwards, a foreclosure case is filed unto the local court and legal proceedings will determine the consequence of the foreclosure. However, when this becomes impossible, the only other option is to avoid or stop it. After all, unless you re a scammer, your lender will provide any foreclosure assistance whenever appropriate. In avoiding foreclosures, make sure to contact your lender right away.

What you need to do is to disclose any information or reason/ s why you were not able to meet the deadline. One way is to modify your mortgage status. From hereon, the lender will provide foreclosure solutions which you may opt for. However, if you are deeply entrenched in the foreclosure spiral, more often than not, the lender might just cut its losses rather than lose more in tax payments. When mortgage payments become impossible for the borrower or when any mortgage status modifications become useless or have already been exhausted, a mortgage short sale can be arranged. Either that or they may recommend a mortgage short sale. You may be wondering what a short sale is.

During a so- called redemption period, the lender allows the borrower to either buy back the property or sell the property for a price that is less than the loan amount, within a limited period. Lenders will sometimes allow this as a sort of last option for both sides to cut back on losses. The latter is involved with short sale foreclosures or real estate short sale. The short sale process is quite simple in essence but is often harder to execute. The period may last for a month or extend to 90 days. The borrower simply needs to find a buyer who is willing to buy in such a short span of time. CashOut Options is a company that is very experienced and is known to be good at stopping foreclosures.

This is where Cashout Options comes in. They are a company that buys almost any kind of property whether it be two- storey houses, bungalows, apartments, in whatever state of condition and in any location within the country. Because they immediately buy your property directly from you, they could help in mortgage short sales in order for you to get out of the foreclosure spiral and from being evicted from your own home. They have provided many people with foreclosure help by mediating in these sorts of instances. What is more is that, depending on the circumstance and agreement/ s that may transpire between you and the company, they could answer for the remaining balance of your loan. Thus, when keeping ownership of your home does not become an issue, you not only escape the legalities and embarrassing consequences of a foreclosure but also maintain your credit as a borrower and possibly keep your home as tenants.

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Many Of You Won T Even Need To Put Anything Down When You Buy A Home - Finance and Real Estate Blog:

There are a lot of people who pay rent each month and much of it is exorbitant. Why pay someone else to live in their house, when you could be building equity in your own?

Guard Your Money

Category: Finance, Real Estate.

You ve seen the real estate guru advertisements for books, programs, DVDs, seminars, and mentoring coaches promoting no- money- down deals. Maybe you, like me and many others, have purchased books or expensive systems based on these no- money- down and lease- option investing schemes.

Perhaps you ve watched the infomercial on TV with the people telling their stories of how they made millions investing in real estate with no- money- down and cash back to the buyers. Here s the rest of the story. You should know that the investor offering these types of deals makes money by purchasing the property at a discount and selling the property for an inflated price. Perhaps you ve seen an ad in your local newspaper offering a home with 100% financing from the seller or a lease option. Lease- option real estate investors play the odds. So the investor seeks a hopeful tenant to make higher than average rental payments, pay more move- in cash, and make the investor s mortgage payment.

They bet that most people won t be in a position to purchase the lease- option home in a year. Those tenants who do eventually purchase the home paid much more for the home than the investor. Either way, the real estate investor makes money. Many tenants never come up with a new mortgage loan to purchase the property when the time runs out. First- Time Home Buyers. Just understand that you re paying too much for the property and may not make any money on appreciation.

If you need to buy your first home to live in, these home- purchase methods may help you if you have terrible credit and can clean it up in time to finalize the purchase in a year. On the other hand, if you have strong credit, you can purchase a bargain house with no money down legitimately. Don t buy overpriced property! Tips for Beginning Real Estate Investors. Avoid 100% investor- financed" deals. " You will have to wait too long to make any money. Don t waste your money buying real estate guru books, programs, DVDs, seminars and mentor- coach promoting no- money- down deals.

Plus, the rental income most likely won t come close to making the mortgage payment for you. Would you buy a book on how to make a fortune on the Internet that was written in 1995? This system worked last century. These out- of- date, no- money down schemes, tell you to look for home sellers in distress who will let you buy their home for no- money down with the seller financing the property for you. Today s home sellers know that they can get a buyer who can get their own financing. They ve heard the stories where home sellers didn t get paid and had to foreclose on a property. Plus, today s home sellers know that other sellers have lost money selling with no- money down.

They ve heard the stories where the investor- buyer rented the house to tenants who trashed the property. To get started building wealth in real estate today: Get your credit ready for mortgage financing. (Mortgage credit differs from consumer credit. ) Buy right. They ve heard the stories where the investor- buyer collected the rent and didn t pay the home seller. Don t overpay for deals that sound too good to be true. Guard your money. These schemes are too good to be true! Don t get yourself in over your head with high mortgages on rental properties that cause you negative cash flow and jeopardize your financial well- being.

You can buy investment property for little- - or even no- money down. The best way to do this is to make sure you get the best mortgage rates on a bargain- priced property. Get started by buying your home or a second home. Copyright� 2005 Jeanette J. Real estate investing offers you the most tried and true way to build wealth when you avoid investing schemes. Fisher.

All rights reserved.

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The Houston Property Market Is Not Something You Should Step Into Lightly

Category: Finance, Real Estate.

The Houston property market is not something you should step into lightly. At first glance the market is most definitely a growth investor s dream.

While there are a lot of good investments to be made for both value and growth focused investors, there are also some pitfalls out there if you do not know the market and you do not enlist the help of a qualified estate agent to help you in the house hunting, purchase and transfer, negotiation phases. Solid, consistent growth over the last decade makes Houston one of the best new places to live in the United States. The price range to look out for is$ 250, 000- $650, 000 as these homes show the most stable property prices and the best long term appreciation. If it is peace of mind and long term capital appreciation through real estate investment that you are after, then going for some of top homes for sale in Houston will definitely pay off long before you retire. If you are more of a balanced investor but you still want to dip into some of the top homes for sale in Houston then you might want to take a look at some of the new developments that are in the pipeline. Developments like the Tuscan Lakes luxury estate complex offer secluded living in a natural setting at a far lower price than you would pay outside of such a development.

For around$ 200, 000 or less you can buy pre- selling units that are looking to turn into excellent properties to rent out as holiday homes, guesthouses or on a permanent lease basis. The security you get for both your home and your financial investment make these developments some of the best new places to live in Texas. Most of these properties have significant back yard space and are for the most part fully detached. You get the benefits of living in a secure estate development, without being right on top of your neighbors. Investing in the property developments is a sure way to secure your future by means of savvy property investment. Fortunately most of these higher risk, higher potential homes are under the$ 140, which makes them, 000 price range easily accessible and represent an amount of risk that is acceptable even to smaller private investors. Last, there are some, but not least property investments going for the value investor, and these represent slightly lower risk than value property investors are accustomed to.

The average return on property in some of the lower priced areas is sometimes as high as 20% per annum, but this is obviously only a representative figure. This is most probably one of the factors that contribute to the large price disparity in the area, although not all low priced homes are in need of major repairs. While most of the top homes for sale in Houston are brand new, a lot of the older homes might need significant renovations. If you are buying for hidden value in Houston it will pay to investigate each buy case thoroughly. If you are becoming anxious at the steadily decreasing value of your home, why don t you consider moving to one of the best new places to live in America: Houston TX. If you do your homework and enlist the services of a knowledgeable realtor who knows the area your investment will most likely pay off very well indeed.

Whether you are a first time buyer looking for a condominium or a small single bedroom home, a family wanting to relocate and put their children into good schools or a property investor wanting to grow capital long term, Houston is always a good place to buy. There is virtually no telling what the real estate markets in this country are going to do in the next decade, but most indicators show that Houston is one of the safest places to put your money. In fact, with the recent activity in the property market buying into some of the top homes for sale in Houston is one of the wisest real estate investment decisions you can make at this point in time.

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When you fall behind in your mortgage payments, you run the risk of having your lender foreclose on you. This is where a short sale comes in very handy.

Throughout This Part Of Texas, There Are Many Gated And Master Planned Communities

Category: Finance, Real Estate.

Throughout the city of Houston, you will find many prestigious Houston water park communities. Houston water park communities also have a water park within their boundaries, and most often also contain a golf course as well.

This type of community is generally in an upper class area that is a gated community. If you are looking for Houston luxury homes, you will find many available in these communities. There are quite a few homes for sale within the Houston water park communities, but if there isn t one that you can find that meets your needs, wants and fits into your budget, then you can always look at hiring a Houston custom home builder to build the home that you want in a water park community. These top Houston subdivisions feature many beautiful homes, many of which are customized and built specifically to the owner s request. There are plenty of lots available within these communities for people to build their dream houses on, and because of the rising demand for luxury housing in gated communities, the areas of water park communities are expanding to meet the demand. In Fort Bend County, where Houston partially lies, there is the most master planned communities in all of the country.

Throughout this part of Texas, there are many gated and master planned communities. Nearby, the city of Sugar Land has the most master planned communities of any city in the country as well, with all of it s southern and southeastern border being comprised of master planned communities. These communities are great for everyone and within them you will find a melting pot of people from families to single professionals to retirees and more. In Houston, there are also many master planned communities that focus on golf courses, country clubs and water parks. The beauty of these communities is the people coupled with the luxury homes that can be found throughout. Perfect for families, some of the best schools in Texas are nearby in these communities in Texas.

For families with school aged children, you can easily find a community that is close to some of the best schools in Houston. Many people think that gated or master planned communities such as Houston water park communities are for people who don t have children. On the contrary, the Houston water park communities cater to families with children, ensuring there are parks, water parks and schools near by for the children. However that is not the case. Houston contains some of the top water park communities in America and are some of the best Houston neighborhoods to live in, regardless of the demographics of your family. There are many custom homes in Houston throughout these gated communities and more and more people are flocking to this area because of the degree of saturation of master planned communities, golf course communities and water park communities. With so many homes available, you are sure to find something that suits your needs, however if you don t, you can hire one of the many new home builders in Houston to construct a house to your exact standards in a community of your dreams.

For people who live in the area, master planned communities are a way of life and wonderful communities to raise a family in. Some communities have rules and regulations about the homes you can build and it s best to hire a Houston custom home builder that understands the area that you are building in. If you are looking for Houston custom home builders, the best thing to do is to talk to the management of the community you want to build in before hiring anyone. The management may also be able to help you with which Houston custom home builder is the best in the area to use, and perhaps will even be able to find you a deal for a builder that is primarily used in the area.

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A DIL May Not Be Accepted From Borrowers Who Can Financially Make Their Payments

Category: Finance, Real Estate.

Understanding the different options a seller may be considering is important when negotiating with sellers.

Reinstatement of Loan( Cure) : This option is paying the lender everything that is owed in one lump sum to include missed payments, any late fees associated with these payments, legal fees and, foreclosure fees the principal owed during the delinquency. Below are the most common options that sellers may address with you if the sellers are either in default or anticipating being in default. A cure may involve the seller curing or deeding it to the investor" subject to" the exisiting loans, who will cure. Repayment Plan: This is a written agreement between the lender and the seller. There is a risk to the homeowner that the lender may accelerate the loan because of the due- on- sale, and the homeowner no longer owns the property and has no recourse of the investor doesn t pay the loans. These plans require higher payments than the regular monthly mortgage amount for a period of time until the loan is brought up- to- date. Modifications can be considered to reduce the interest rate of the mortgage, change the mortgage product( from an adjustable rate to a fixed rate, for example) , extend the term of the mortgage or capitalize delinquent payments( add delinquent payments to the mortgage balance- only available in extreme hardship situations) .

Loan Modification: A loan modification involves changing one or more terms of a mortgage. Modifications are not easily granted and there must be strong, justifiable reasons for the request. Unless the loan term is extended( which happens rarely) , the later payments generally will have to be higher than the original monthly mortgage payments until the loan is up- to- date. Forbearance Agreement: The lender will allow you a period of time( 3- 6 months typically) of either low payments or no payments at all. Special Forbearance( FHA Loans only) : Allows eligible borrowers to postpone monthly mortgage payments for a minimum of four months. Deed- in- Lieu: A Deed in Lieu is an option in which a borrower voluntarily deeds collateral property in exchange for a release from all obligations under the mortgage.

While there is no limit on the maximum number of months, at no time may the agreement allow the delinquency to exceed the equivalent of 12 monthly PITI installments. A DIL may not be accepted from borrowers who can financially make their payments. Cash Sale: The borrower sells the property, pays off his loan, depending on the, and equity, may net some cash out of the deal. If a borrower qualifies for a DIL program they may be eligible for cash back from the lender as in the Cash for Keys program. The challenge, is being able, of course to sell it quickly enough, which most often requires a substantial drop in the price. This generally results in no cash to the homeowner, but will be better for the better for his credit than a completed foreclosure.

Short Sale: The borrower makes an agreement with the investor to sell it for less than is actually owed, subject to approval of the lien holders. Refinance: The borrower may be able to refinance and get a new loan, but generally this is difficult because the borrower has little equity and poor credit. Explain each of these choices, and be honest with the homeowner. The new loan likely will have higher payments than the old loan. 1Do Nothing: The worst choice for the seller, whose credit will be ruined, but he can stay in the house for several months for nothing, save up some cash, and move when the lender or the high bidder from the auction eventually evicts the homeowner. In many cases, he will trust you for your candid explanations. You may lose a deal or two by offering the homeowner choices that are actually better than your offer, but that s ok, always take the high road and you will have a long and properous business in real estate investing.

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Either Way Real Estate Is Effective Way Of Investment

Category: Finance, Real Estate.

Investing real estate information permits us to get the information regarding money you have saved, by creating your, and raise it own financial range.

Property real estate investing is a very smart way to invest your money if looking for a good return on your investment. Here, you will find practical real estate investing information to help you with your own finances, and information about the different types of real estate investments, bonds, such as stocks, mutual funds, and others, real estate. You may invest in house to create positive cash flow or looking to buy a home and flip the same for profit. The best criteria of buying a property and selling it off at higher rate are of course, location. Either way real estate is effective way of investment. The property real estate investment industry had developed over the last couple of years due to the USA housing. The newbie should have the potential to make profit and grab the opportunities that are available in market.

Anyhow the market is still of the new companies and newbie s. If you are investing in property real estate you should not wait until gets sold, you can rent the same out and earn the income regularly. Another advantage would be the frequency, in property real estate investment you invest only ones and get income regularly whereas if you invest in mutual funds as such, you need to pay regularly. Because you are keeping your property on rent you get the return on your investment. Investing in real estate property is in a greater degree in your control than other portfolio. Real estate investing is also very secure, because the property market may be hot or cold you may use your property for loan purpose also.

The property wherein you are going in to invest is yours and you can renovate it anytime under you needs. And can sell it off when you are satisfied with the in turn. Making you high return on your money. Investing in real estate property can be very lucrative with many of the investment opportunities being things like hotels in tourist locations and malls in high density population centers. Property real estate investing refers to a wide range of investment strategies that capitalized on investor s home country. Investing in property simply means investing in a location other than where you live.

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The number of foreclosures rose 50 percent between February and March this year, and this seems to be the current trend that is continuing to grow this year. With the flood of houses on the market, prices are falling- especially foreclosures.