If you or someone you know is in
danger of losing their home ANY of the following reasons... the payments are
too high, the balance is too high, payments are behind, property is in
foreclosure, etc... and if they would like to lower the payments, lower the balance,
stop foreclosure or even live rent free for up to 1 year or more from the first
missed payment, and then get paid if and when you actually DO move, then
contact the Mortgage Negotiation and Foreclosure Specialists. We can do
or prevent all of this and more... and we can do it for a fraction of the cost
of other companies. For more information and assistance please see
Don't let bad credit affect your
life. Improve your score by as much 200 points with 45 days! Click
here to see how! For more information and
assistance please see Credit Repair Service
Learn to remove collections, lates,
improve your credit score by 200 points. We teach you the secrets of the
credit repair pros... for a fraction of the cost-- Credit Repair Kit
Stop foreclosure, Garnishments, Save
your home!.. Get a Fresh start by eliminating all debts, click here to
see how. Bankruptcy
Are you paying too much in
taxes? Didn't file because you were afraid of what you might owe?
We specialize in minimizing liability, maximizing refunds and getting back
taxes taken care of quickly and inexpensively. For more information please
click
here.
Loans, up to $5,000 wired into your
account with 24 hours. Many with No Credit Check
required.
·
We
all have the ability to improve our lives. You don't need money... We
just have to want to do it! There are universal principles of success
that everyone who has ever succeeded has followed. They are simple,
proven and free. Do you know someone who needs a lift? Share
this... they will thank you for it!...
First Time Buyer Home Loan
Programs
Specific financing
programs available for borrowers who have not had an interest in a home for the
past 2 to 3 years. What are the benefits? They vary depending on
your location, income, credit and other criteria. The important thing to
remember is that if you fit into the criteria for your area, it can usually
reduce your interest rate, payment amount, and/or down payment
requirement. 
http://allsolutionsnetwork.com/cgi-bin/d2.cgi/NG17098/signupb3.htm
http://allsolutionsnetwork.com/cgi-bin/d2.cgi/NG17098/signupb3.htm
Down Payment Assistance and
Cash Grants
There are many agencies,
charities, municipalities, etc... that will either lend you part of the down
payment, all of the down payment, (usually repaid over 20 years), OR, many many
House loan programs in which your down payment is actually given to you,
(this is common, one just needs to know where and how to apply).
Some of the Down Payment assistance programs have income limitations-- the
rational being that if you make over a certain amount of money you should
have been able to save your down payment. Many other
home loan programs have no such constraints. Let us know your situation
and we'll find the one that works best for you.
Absolutely No Money Down
Home Loans
There are many government
and conventional home loan programs that, if your income vs. debt ratios
are not too high, a loan of 100% of the
purchase price will be given you. However, remember
there are still closing costs that must be paid. (Note: we work
in conjunction with your realtor to negotiate a transaction in which the
seller, pays most of your closing costs) For a Realtor who knows
how and is willing to work hard to minimize
your costs, click here.
107% LTV No Money Down Home
Loans
These are Home loans and
Refinances in which the lender will give 103% to 107% of the purchase price or
appraised value. Why would they do that? That extra 3% to 7% covers
all of your closing costs. Requires good credit and reasonable debt
ratios.
95%
to 100% Non-Owner Occupied Investor
Loan
If you are an investor with Great
Credit you can get the entire purchase price of your residential property
financed. There are many ways to accomplish this but the most usual is a
First Mortgage for 80% of the value and then a "Piggy Back" loan
funded by us for the remaining 20% of the value. How to Buy!
No Money Down Stated Income
Home Loans
Some people make a ton of
money, but have a great tax man so that their tax returns show little or no
income. We understand the realities of aggressive tax manipulation.
As such, with reasonable credit and an ability to show income (via bank
statements or other similar methods), we can use your
statement of your income to get you qualified for that No Money Down Home
Loan. How to Buy!
No Doc, No Asset, No Job
Home Loans
Do you have a great tax
man? No bank accounts? No Job? Couldn't prove the
ability to buy a hamburger? But REALLY GOOD
credit? If so, you just have to prove that you are still breathing
:-) It can be reasonably assumed that you have an income from some source
to pay your existing obligations so... Even though we can't verify anything--
as with the stated income loan, we can use your statement
of income and past proven ability to pay to get you approved. How to Buy!
Bad Credit No Down Loans
Do you have big credit
problems? This doesn't mean that you can't buy--
It simply means that you might have to use creative financing techniques to
become a home owner. We have all loan programs needed to implement these
techniques. How to Buy!
Also see-
Our Free Online
Creative Financing No Down Course. This
free online book will show you everything that you need to know about
alternative ways to buy. Even with no loan at all.
No Credit, No Money Down
Home Loans
Many people believe that
buying a home is difficult and requires the establishment of substantial good
credit before they may take that important step to home ownership. That
is absolutely untrue. The truth is that it is easier to
buy than to rent-- and no credit is much better than bad credit.
Many of the newest government programs will allow the person with absolutely
no credit and no money to buy. How to Buy!
No Money? No
Job? Bad Credit? -- NO PROBLEM!
Do you have a recent
Bankruptcy? Charge offs? Late Payments? Collections?, No Job?
etc... No matter what your situation, you can still buy! Sometimes
even with the array of financial options we provide, a loan is simply not
possible. But You Can Still Buy! We will still show you exactly how
to become a homeowner, no matter how your credit situation, even if you have no
down payment, even if you have no income! Knowledge and Creativity is a
powerful thing! We give you the benefit of both! t, We have the largest
assortment of sub prime loans to provide financing even with these
issues. What's the drawback? The corporations that actually fund
these loans, know that they are taking a risk. As such they require a
slightly higher interest rate to compensate for that risk. If the rate
for the person with perfect credit was 5.5% you can expect that these loans
would be around 7%.
Is it
worth it to pay the higher interest rate in order to become a homeowner?
Only you can really answer that question-- but many have found that when you
take into account the tax write offs you will receive (see Taxes),
Plus, the money you will earn from appreciation, the security of home
ownership (the landlord will never again tell you to move because he needs
a place for his cousin), most people agree that a
slightly higher interest rate is definitely worth it. How to Buy!
NOTE:
If you buy the property and then work on the credit issues see credit repair,
your home can be refinanced to a low rate within 6 months.
Hard Money Home Loans
There are a myriad of
sources for funding, so that no matter what your credit, no matter what your
income, no matter what your down payment, as long as the loan that you need is
no more than 65% to 75% of the subject property's value (as
distinguished from price), it can be funded-- whether for a purchase or
refinance. http://allsolutionsnetwork.com/cgi-bin/d2.cgi/NG17098/loanapps.htm
Debt Consolidations
Do you own a home with
equity? Do you have some car payments and credit card payments that are
costing you a fortune? A properly structured debt
consolidation can pay off those high interest high payment
loans-- merge them into your house payment and save you hundreds per
month!
125% Refinances
Do you own a home with No
Equity? You could still save hundreds per month. Is your home
worth $200,000 thousand dollars? In some cases, you can borrow all
of your equity plus $50,000 more than your home is worth
and you use it to pay off those high interest debts or use however you see fit.
Start a business? Down Payment for that great real estate deal? Buy
that new luxury car? If you have great credit, you have options.
Commercial Loans
Rates and Structuring
requirements of commercial loans is highly fluid and changes almost with the
wind. Apprise us of your situation and needs-- One of our professionals
will work to give you the best options presently available.
