Subject: Would you like to buy an investment property?

Owning real estate is one of the single best ways to build wealth in America, with a slight cool down in the red hot sellers market, now may be a good time to check out what opportunities are available and affordable in your area.

Buying a rental is easier than you think and depending on the property may provide a positive cash flow and a great chance for long term appreciation.

As a free service for my valuable clients I offer a free of charge in depth investment consult, in this consult we can determine your investment goals and priorities to determine if buying a rental is something you would like to do now, or you can use the information to set goals and a game plan to purchase in the future.

No cost, no pressure, just great information!

Simply email me back if you would like to book your complimentary session now.

Warmly,
XXXXXXXX

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Subject: let me check my calendar

Have you ever said yes when pressured to join a committee or take on some other new responsibility you didn’t want to do, but just didn’t know how to gracefully say no?

To avoid overcommitting practice this script:

“That’s a great opportunity, thank you so much for thinking of me. However, I must check my calendar and I will get back to you in 24 hours.”

This give you a chance to take a step back and consult your calendar and your family before determining if you have the time or desire to take on this new commitment.

Your time is your most precious asset!

Warmly,
XXXXXXXX

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Subject: The Pro’s and Con’s of Purchasing New Construction

Dear NAME,

If moving up or downsizing with distinction is in your future, you may be starting your search by checking out the model homes in new developments where you might want to live.

Who hasn’t walked into a fully staged, brand new model home and been wowed by the thought, “I can just move right in?”

Keep in mind that most models have had tens of thousands spent in upgrades and clever staging. Window coverings, landscaping, patios, and in some cases even fencing may not be included in the standard models.

There could even be special assessments in newer areas for sewers, schools, and other amenities that will be an additional expense for years to come.

Builders may or may not be willing to accept a contingent offer on your home selling, making it difficult or stressful to time your move. In addition, the construction zone around you could be noisy and disruptive for many months to come.

If, however, the lure of brand-new appeals to you, keep in mind as you consider your options that even in a new home purchase it is still important to have your own representation. Most builders will cooperate with licensed real estate agents in the area.  

Before you begin your home search it’s wise to weigh your options. To make this process easier for you I have some valuable educational resources that I would be happy to send to you. Plus, I offer a free “Plan My Next Move” consultation.

To ask a question, request a resource, or book your “Plan My Next Move” consult, simply respond to this email. No cost, no obligation…. just valuable information! 

Warmly,
XXXXXXXX

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Subject: Help, I Need A Decorator!

Have you ever felt overwhelmed with the project of redecorating an entire house, or even just a single room?  You might actually find you spend less and are happier with the outcome if you hire a decorator to assist you.

Keep in mind that a pushy decorator can over influence your choices so that the space they decorate might end up in their taste and not yours.  Another negative might be that they press you to upgrade your budget and overspend on pricey pieces, pieces that you may end up feeling pressured to keep for decades rather than because you truly love them, due to the original cost.

To avoid regrets when selecting a decorator to collaborate with, do some pre work to develop your vision. Magazines are a great way to find inspiration for your dream home folder will help to give the decorator a sense of your style.

Ask friends for recommendations and set a meeting to meet the designer you choose to review your ideas. The best decorators will be attentive to your tastes, but will not be afraid to offer suggestions and honesty if your ideas are a little off base.

You will want to check their reviews, see pictures of their work, and ask for a clear and simple agreement of how you will work together.

It’s not uncommon for a good decorator to charge $150.00 an hour for their time to meet with you and then hunt and gather for the project.  Some earn their money by buying at wholesale prices and selling it to you at retail and some may do both.

Ask questions, get it in writing, hold them accountable, and track all they do to insure they don’t get carried away and stay on budget.

One more key point to keep in mind, custom orders usually cannot be returned but for other items inquire about their policy for returns, just in case something shows up that you just can’t live with.

Warmly,
XXXXXXXXXX

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Subject: Resolving Distressed Property Issues

How do you ever find solid, practical information that will help you when dealing with stressful property issues? You start by reading this article.

A Review of Your Options:

Should you be behind in your mortgage payments, you are certainly not alone. Essentially, none of us are ever fully protected from the possibility of financial duress. Indeed, medical bills, under employment or‎ loss of a job(s), divorce and death are among the many causes of mortgage default. In fact, according to CoreLogic, approximately 10% of all home sales in 2015 were due to a so-called “distressed” property sale.

It is often not the property that is distressed, but rather the mortgage. Accordingly, should you be confronted with the prospect of losing your property due to your present ability to keep current with your mortgage payments, we respectfully suggest that you be aware of the options that you have and subsequently decide the best course of action.

Distressed Property Scams:

Look out for anyone claiming or wanting the following:

• Anyone who instructs you to make mortgage payments directly to them.
• Anyone who asks for a fee up front.  Government agencies do not charge for counsel or advice.
• Anyone who claims but cannot prove they are associated with a government program.
• Anyone who tells you to stop making mortgage payments if you are able to.
• Anyone who asks you to sign over a deed to them, without having an attorney first review it.

Your first step is to become as informed as possible and then reach out to the appropriate parties, including your lender, government agencies, attorney, and real estate professional, rather than succumbing to the influence of anyone without first developing a fundamental understanding of the pre-foreclosure and foreclosure process, including what is involved in preventing a foreclosure when possible.

Deed in Lieu of Foreclosure:

This is a deed instrument in which the borrower conveys all rights and interests in their property to the lender in order to satisfy a loan that is in default and to avoid a foreclosure. Lenders are willing to do this when they believe that the cost of re-possessing the property ‎is greater and more inconvenient than simply taking over the property in a far less public and eventful way. There is much more to this, such as circumstances surrounding loan to value ratio, present market, and salability of the property, along with other considerations that are all factored in.

Short Sale:

A short sale is a sale of a property in which the funds from the sale are less (fall short) than the balance ‎owed on a loan secured by the sale of the property.

• Lenders usually ask for a hardship letter to be included as part of the short sale packet that is presented to the lender.
• Ask an accountant what the tax implications are regarding a short sale.

Foreclosure:

There are three stages of a foreclosure. First is the pre-auction period. This is where the lender has declared you in default and this becomes ‎publicly posted and listed. During this period, many unscrupulous parties will reach out to homeowners offering to negotiate with your bank, or claiming they can stop the foreclosure by helping you file for bankruptcy.  These individuals, some of whom are scam artists will attempt to get financial information over the phone, charge you a fee, and even ask you to sign your title over to them.

The second phase of a foreclosure is the public auction. Even when a property sells, there is often a period of time where the homeowner can get their property back by making payments in full for mortgage and all debts.

The third phase is where lenders, if they are not satisfied with the outcome of the auction sale, take on the marketing and sale of the property they now own themselves.

The more that you understand the impact of a foreclosure or bankruptcy on the lender, the more confident and aggressive you should be about your many options (including all those we did not even cover).

If you have any questions about the information in this report, please see my contact information on the front of this newsletter.  I’ve dedicated my business to helping people just like you.

For any Real Estate Advice that pertains to financial, legal, or tax related information please contact the professionals in those fields. The practice of Real Estate representation can vary by state. Ask your Real Estate Representative for agency information pertaining to your state and company

Warmly,

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