Check out my video explaining more of what we do.
http://www.youtube.com/watch?v=gBV6iOw1C6k
- nearing foreclosure
- needs repairs
- has back taxes due
- has liens
- is vacant
- is not local to you
- any sort of problem that keeps it from being sold
Tuesday, August 30, 2011
We can buy your house quickly, for cash!
Check out my video explaining more of what we do.
http://www.youtube.com/watch?v=gBV6iOw1C6k
If you have a house that you need to sell because it is
Check out my video explaining more of what we do.
http://www.youtube.com/watch?v=gBV6iOw1C6k
Saturday, March 5, 2011
Heroes Still in Our Midst
This was sent to me via email. I thought so highly of it, I've posted it on my blog. After all, if not for these people and thousands of others just like them, we certainly might not have the country we have today. We have been blessed to have these people and would do well to use them as role models.
SOON TO BE GONE
By Capt. Steven Ellison, MD - A MILITARY DOCTOR
This should be required reading in every school and college in our country. This Captain, an Army doctor, deserves a medal himself for putting this together. If you choose not to pass it on, fine, but I think you will want to, after you read it.
I am a doctor specializing in the Emergency Departments of the only two military Level One-Trauma Centers, both in San Antonio, TX and they care for civilian Emergencies as well as military personnel. San Antonio has the largest military retiree population in the world living here. As a military doctor, I work long hours and the pay is less than glamorous. One tends to become jaded by the long hours, lack of sleep, food, family contact and the endless parade of human suffering passing before you. The arrival of another ambulance does not mean more pay, only more work. Most often, it is a victim from a motor vehicle crash.
Often it is a person of dubious character who has been shot or stabbed. With our large military retiree population, it is often a nursing home patient. Even with my enlisted service and minimal combat experience in Panama , I have caught myself groaning when the ambulance brought in yet another sick, elderly person from one of the local retirement centers that cater to military retirees. I had not stopped to think of what citizens of this age group represented.
I saw 'Saving Private Ryan.' I was touched deeply. Not so much by the carnage, but by the sacrifices of so many. I was touched most by the scene of the elderly survivor at the graveside, asking his wife if he'd been a good man. I realized that I had seen these same men and women coming through my Emergency Dept. and had not realized what magnificent sacrifices they had made. The things they did for me and everyone else that has lived on this planet since the end of that conflict are priceless.
Situation permitting, I now try to ask my patients about their experiences. They would never bring up the subject without the inquiry. I have been privileged to an amazing array of experiences, recounted in the brief minutes allowed in an Emergency Dept. encounter. These experiences have revealed the incredible individuals I have had the honor of serving in a medical capacity, many on their last admission to the hospital.
There was a frail, elderly woman who reassured my young enlisted medic, trying to start an IV line in her arm. She remained calm and poised, despite her illness and the multiple needle-sticks into her fragile veins. She was what we call a 'hard stick.' As the medic made another attempt, I noticed a number tattooed across her forearm. I touched it with one finger and looked into her eyes. She simply said, ' Auschwitz .' Many of later generations would have loudly and openly berated the young medic in his many attempts. How different was the response from this person who'd seen unspeakable suffering.
Also, there was this long retired Colonel, who as a young officer had parachuted from his burning plane over a Pacific Island held by the Japanese. Now an octogenarian, he had a minor cut on his head from a fall at his home where he lived alone. His CT scan and suturing had been delayed until after midnight by the usual parade of high priority ambulance patients. Still spry for his age, he asked to use the phone to call a taxi, to take him home, then he realized his ambulance had brought him without his wallet. He asked if he could use the phone to make a long distance call to his daughter who lived 7 miles away. With great pride we told him that he could not, as he'd done enough for his country and the least we could do was get him a taxi home, even if we had to pay for it ourselves. My only regret was that my shift wouldn't end for several hours, and I couldn't drive him myself.
I was there the night M/Sgt Roy Benavidez came through the Emergency Dept. for the last time. He was very sick. I was not the doctor taking care of him, but I walked to his bedside and took his hand. I said nothing. He was so sick, he didn't know I was there. I'd read his Congressional Medal of Honor citation and wanted to shake his hand. He died a few days later.
The gentleman who served with Merrill's Marauders, the survivor of the Bataan Death March, the survivor of Omaha Beach, the 101 year old World War I veteran, the former POW held in frozen North Korea, the former Special Forces medic - now with non-operable liver cancer, the former Viet Nam Corps Commander..
I may still groan when yet another ambulance comes in, but now I am much more aware of what an honor it is to serve these particular men and women.
I have seen a Congress who would turn their back on these individuals who've sacrificed so much to protect our liberty. I see later generations that seem to be totally engrossed in abusing these same liberties, won with such sacrifice.
It has become my personal endeavor to make the nurses and young enlisted medics aware of these amazing individuals when I encounter them in our Emergency Dept. Their response to these particular citizens has made me think that perhaps all is not lost in the next generation.
My experiences have solidified my belief that we are losing an incredible generation, and this nation knows not what it is losing. Our uncaring government and ungrateful civilian populace should all take note. We should all remember that we must 'Earn this.'
If it weren't for the United States Military, there'd be NO United States of America !
SOON TO BE GONE
By Capt. Steven Ellison, MD - A MILITARY DOCTOR
This should be required reading in every school and college in our country. This Captain, an Army doctor, deserves a medal himself for putting this together. If you choose not to pass it on, fine, but I think you will want to, after you read it.
I am a doctor specializing in the Emergency Departments of the only two military Level One-Trauma Centers, both in San Antonio, TX and they care for civilian Emergencies as well as military personnel. San Antonio has the largest military retiree population in the world living here. As a military doctor, I work long hours and the pay is less than glamorous. One tends to become jaded by the long hours, lack of sleep, food, family contact and the endless parade of human suffering passing before you. The arrival of another ambulance does not mean more pay, only more work. Most often, it is a victim from a motor vehicle crash.
Often it is a person of dubious character who has been shot or stabbed. With our large military retiree population, it is often a nursing home patient. Even with my enlisted service and minimal combat experience in Panama , I have caught myself groaning when the ambulance brought in yet another sick, elderly person from one of the local retirement centers that cater to military retirees. I had not stopped to think of what citizens of this age group represented.
I saw 'Saving Private Ryan.' I was touched deeply. Not so much by the carnage, but by the sacrifices of so many. I was touched most by the scene of the elderly survivor at the graveside, asking his wife if he'd been a good man. I realized that I had seen these same men and women coming through my Emergency Dept. and had not realized what magnificent sacrifices they had made. The things they did for me and everyone else that has lived on this planet since the end of that conflict are priceless.
Situation permitting, I now try to ask my patients about their experiences. They would never bring up the subject without the inquiry. I have been privileged to an amazing array of experiences, recounted in the brief minutes allowed in an Emergency Dept. encounter. These experiences have revealed the incredible individuals I have had the honor of serving in a medical capacity, many on their last admission to the hospital.
There was a frail, elderly woman who reassured my young enlisted medic, trying to start an IV line in her arm. She remained calm and poised, despite her illness and the multiple needle-sticks into her fragile veins. She was what we call a 'hard stick.' As the medic made another attempt, I noticed a number tattooed across her forearm. I touched it with one finger and looked into her eyes. She simply said, ' Auschwitz .' Many of later generations would have loudly and openly berated the young medic in his many attempts. How different was the response from this person who'd seen unspeakable suffering.
Also, there was this long retired Colonel, who as a young officer had parachuted from his burning plane over a Pacific Island held by the Japanese. Now an octogenarian, he had a minor cut on his head from a fall at his home where he lived alone. His CT scan and suturing had been delayed until after midnight by the usual parade of high priority ambulance patients. Still spry for his age, he asked to use the phone to call a taxi, to take him home, then he realized his ambulance had brought him without his wallet. He asked if he could use the phone to make a long distance call to his daughter who lived 7 miles away. With great pride we told him that he could not, as he'd done enough for his country and the least we could do was get him a taxi home, even if we had to pay for it ourselves. My only regret was that my shift wouldn't end for several hours, and I couldn't drive him myself.
I was there the night M/Sgt Roy Benavidez came through the Emergency Dept. for the last time. He was very sick. I was not the doctor taking care of him, but I walked to his bedside and took his hand. I said nothing. He was so sick, he didn't know I was there. I'd read his Congressional Medal of Honor citation and wanted to shake his hand. He died a few days later.
The gentleman who served with Merrill's Marauders, the survivor of the Bataan Death March, the survivor of Omaha Beach, the 101 year old World War I veteran, the former POW held in frozen North Korea, the former Special Forces medic - now with non-operable liver cancer, the former Viet Nam Corps Commander..
I may still groan when yet another ambulance comes in, but now I am much more aware of what an honor it is to serve these particular men and women.
I have seen a Congress who would turn their back on these individuals who've sacrificed so much to protect our liberty. I see later generations that seem to be totally engrossed in abusing these same liberties, won with such sacrifice.
It has become my personal endeavor to make the nurses and young enlisted medics aware of these amazing individuals when I encounter them in our Emergency Dept. Their response to these particular citizens has made me think that perhaps all is not lost in the next generation.
My experiences have solidified my belief that we are losing an incredible generation, and this nation knows not what it is losing. Our uncaring government and ungrateful civilian populace should all take note. We should all remember that we must 'Earn this.'
If it weren't for the United States Military, there'd be NO United States of America !
Thursday, January 6, 2011
Facing Foreclosure?
For most people the thought of losing their home to foreclosure means failure and heartbreak. With these tough economic times, there are people who have been in their homes for years, raised their families in these homes, enjoyed good times and bad times within those walls. The thought of leaving this house they've made a home is just beyond depressing.
Unfortunately, if the homeowner is unable to keep making the payments on the house, the bank WILL take it back. To stay in denial about this will serve no one, especially the family still living in the house.
What steps can you take to move on from this and still keep options open to perhaps one day be able to own your own home again?
First, follow this link to read what the effects of a foreclosure will be: http://jeffbrandsshortsalehelp.com/effects_of_foreclosure
Many people believe that filing bankruptcy will be the final answer to help them avoid foreclosure. The sad fact about bankruptcy is that 65% of bankruptcy filers fall out of bankruptcy. How does one "fall out of bankruptcy?"
When the bankruptcy case comes to court, the homeowner generally wants to keep the house and perhaps a car that is still financed. The judge then rules that the payments for these items: home and car, will have to be maintained in a current status and that payments cannot be even one day late. Second, the judge will set up a repayment plan for the filer to make up the past missed payments. In return for this, other debts are erased.
Sadly, if a homeowner is not a position to make the payments now, they are actually worse off after the bankruptcy judge's ruling. Now they must make each current monthly payment PLUS the additional amount for back payments. If the homeowner's hardship is severe enough, they cannot possibly meet the demands of the bankruptcy court. The day they miss even the first of these payments, the home will go into the foreclosure process, usually exactly where it left off. The car will go into repossession status.
The homeowner then loses the home and the car, has a foreclosure on his credit record (sometimes permanently), has a bankruptcy on his credit record, may be facing IRS tax imposition on the amount of the forgiven loans, and may never be able to purchase a home again because of these problems.
There ARE other options. The first thing a homeowner should do is list their home with a realtor as both for sale or for lease. The chances of being able to keep the home are limited if there is sufficient loss of income. Begin to make plans where you and your family can live - apartment, relatives, friends - if it comes to that.
Above all, do not just submit the keys to your lender and walk away. There are other options.
After the home has been listed with a realtor, the realtor will have been able to advise you about the chances of selling the home within the time frame needed to avoid foreclosure. If you qualify by meeting certain hardship requirements, i. e., loss of a job, inability to find another job, severe medical problems, death of a family member, etc., you may be eligible for a short sale. Essentially, a short sale is the sale of your home for an amount less than what is owed on it. The lender makes a determination of the discount value they will accept for the home and the purchaser meets the lender's requirements and buys the home.
When a short sale is finished, the homeowner will no longer have the burden of the monthly payments, will have no record of foreclosure, and usually will not face any penalties from the IRS for the "forgiven" loan amount. There may be a brief "bump" in the homeowner's credit record but it should not keep the homeowner from being able to purchase another home at some future date.
For more information about short sales, follow this link: http://jeffbrandsshortsalehelp.com/what_is_a_short_sale
Unfortunately, if the homeowner is unable to keep making the payments on the house, the bank WILL take it back. To stay in denial about this will serve no one, especially the family still living in the house.
What steps can you take to move on from this and still keep options open to perhaps one day be able to own your own home again?
First, follow this link to read what the effects of a foreclosure will be: http://jeffbrandsshortsalehelp.com/effects_of_foreclosure
Many people believe that filing bankruptcy will be the final answer to help them avoid foreclosure. The sad fact about bankruptcy is that 65% of bankruptcy filers fall out of bankruptcy. How does one "fall out of bankruptcy?"
When the bankruptcy case comes to court, the homeowner generally wants to keep the house and perhaps a car that is still financed. The judge then rules that the payments for these items: home and car, will have to be maintained in a current status and that payments cannot be even one day late. Second, the judge will set up a repayment plan for the filer to make up the past missed payments. In return for this, other debts are erased.
Sadly, if a homeowner is not a position to make the payments now, they are actually worse off after the bankruptcy judge's ruling. Now they must make each current monthly payment PLUS the additional amount for back payments. If the homeowner's hardship is severe enough, they cannot possibly meet the demands of the bankruptcy court. The day they miss even the first of these payments, the home will go into the foreclosure process, usually exactly where it left off. The car will go into repossession status.
The homeowner then loses the home and the car, has a foreclosure on his credit record (sometimes permanently), has a bankruptcy on his credit record, may be facing IRS tax imposition on the amount of the forgiven loans, and may never be able to purchase a home again because of these problems.
There ARE other options. The first thing a homeowner should do is list their home with a realtor as both for sale or for lease. The chances of being able to keep the home are limited if there is sufficient loss of income. Begin to make plans where you and your family can live - apartment, relatives, friends - if it comes to that.
Above all, do not just submit the keys to your lender and walk away. There are other options.
After the home has been listed with a realtor, the realtor will have been able to advise you about the chances of selling the home within the time frame needed to avoid foreclosure. If you qualify by meeting certain hardship requirements, i. e., loss of a job, inability to find another job, severe medical problems, death of a family member, etc., you may be eligible for a short sale. Essentially, a short sale is the sale of your home for an amount less than what is owed on it. The lender makes a determination of the discount value they will accept for the home and the purchaser meets the lender's requirements and buys the home.
When a short sale is finished, the homeowner will no longer have the burden of the monthly payments, will have no record of foreclosure, and usually will not face any penalties from the IRS for the "forgiven" loan amount. There may be a brief "bump" in the homeowner's credit record but it should not keep the homeowner from being able to purchase another home at some future date.
For more information about short sales, follow this link: http://jeffbrandsshortsalehelp.com/what_is_a_short_sale
Thursday, August 5, 2010
DFW Real Estate Investing
I've begun investing in residential real estate here in the Dallas-Ft. Worth area.
Special areas of interest are helping homeowners who are having trouble keeping up with their house payments.
Many people are behind in payments these days and may be facing foreclosure action.
Because of embarrassment and lack of experience with this sort of situation, far too many homeowners wait until it's too late to do anything about their situation.
What options are there?
1. Loan modification. This is an approach that on its face makes a lot of sense. But in reality, it takes a great deal of time, usually. Often the borrower winds up worse off than they were before. If their employment situation doesn't change, they may still face foreclosure even after a loan modification has been done. A friend of mine went through this process and wound up losing all of her 25 years of equity. To make that worse, she still wasn't able to keep the house.
So while, this is definitely an avenue to pursue with your lender, make sure you understand from them how it will work.
2. Bankruptcy. Many people choose this option and it may be the only option for many folks. However, most people do this to save their house and later learn that it did nothing for them. For most people, their home is their biggest monthly expense. If they get behind because of unemployment, it can become an insurmountable monthly expense. So they file bankruptcy, looking for a way to save their home through lower payments or other arrangements. Sadly, what happens for many people is they "fall out" of bankruptcy.
What does "fall out" of bankruptcy mean? The court will take into consideration the items the bankruptcy filer wants to keep (and pay for). They will add up all the back payments due (on home, car, other items the filer wants to keep). The total is divided into a specified number of payments and those payments are added to the original payment due on the items. The filer is then required to make current payments going forward but to make current payments on that back payments! Since the filer was in trouble to begin with, making in effect nearly double payments is impossible. Since the creditors are stopped from any other action so long as these payments are current, these creditors stay right on top of these payments to be sure they are on time. If the payments are not on time, the creditors can and will file with the bankruptcy court for a release from the bankruptcy restrictions and will be allowed to pursue the filer for full payment. In effect, the bankruptcy is voided.
3. "Throwing the keys at the bank". Many people just walk away from their home, thinking that will absolve them of further responsibility. Well, the lender will pursue them, foreclose and repossess the home, and try to resell it to get their funds back. If the lender does sell the home, it is typically less than the mortgage balance so they will still pursue the original borrower for that balance, plus interest. In the meantime, there are IRS consequences that will impact the original borrower.
What other options does a homeowner have?
One of the hardest things to overcome here is the denial the homeowner may be in. Often, the homeowner just cannot accept the fact that they quite likely will lose the house. It is very difficult to have put years of care and love into a home and then to lose it and go away with nothing. There are the memories of growing children, parties, family gatherings that took place in the home. It's very similar to the grieving caused by the death of a loved one and goes through the same stages: denial, anger, bargaining, depression, and finally acceptance.
Nevertheless, actions can be taken that will lessen the financial and emotional impact of the loss of a home, but they are not easy to make.
1. Sell their home themselves. While they are still in the home, they can certainly list it for sale, either with a real estate agent or to sell themselves. If they can find a qualified buyer, then everything will follow the normal steps for buying and selling a home.
2. They can rent their house to a tenant and find a less expensive place to live for themselves. This will definitely buy them some time to deal with the house and relieve them of that monthly expense.
3. They can locate an investor who is a cash buyer for their home.
4. They can locate an investor who will help them stop foreclosure by initiating a short sale procedure. Short sale work can take from 4 to 12 months but during this time, foreclosure proceedings stop. When the short sale work is completed, the investor buys the home. The homeowners have gained the time needed to plan for their future and to find a new home for themselves, not be forced out by foreclosure.
I work with a financing partner doing short sales to help people avoid foreclosure and avoid IRS penalties. For more information, please call 469-293-1341
Special areas of interest are helping homeowners who are having trouble keeping up with their house payments.
Many people are behind in payments these days and may be facing foreclosure action.
Because of embarrassment and lack of experience with this sort of situation, far too many homeowners wait until it's too late to do anything about their situation.
What options are there?
1. Loan modification. This is an approach that on its face makes a lot of sense. But in reality, it takes a great deal of time, usually. Often the borrower winds up worse off than they were before. If their employment situation doesn't change, they may still face foreclosure even after a loan modification has been done. A friend of mine went through this process and wound up losing all of her 25 years of equity. To make that worse, she still wasn't able to keep the house.
So while, this is definitely an avenue to pursue with your lender, make sure you understand from them how it will work.
2. Bankruptcy. Many people choose this option and it may be the only option for many folks. However, most people do this to save their house and later learn that it did nothing for them. For most people, their home is their biggest monthly expense. If they get behind because of unemployment, it can become an insurmountable monthly expense. So they file bankruptcy, looking for a way to save their home through lower payments or other arrangements. Sadly, what happens for many people is they "fall out" of bankruptcy.
What does "fall out" of bankruptcy mean? The court will take into consideration the items the bankruptcy filer wants to keep (and pay for). They will add up all the back payments due (on home, car, other items the filer wants to keep). The total is divided into a specified number of payments and those payments are added to the original payment due on the items. The filer is then required to make current payments going forward but to make current payments on that back payments! Since the filer was in trouble to begin with, making in effect nearly double payments is impossible. Since the creditors are stopped from any other action so long as these payments are current, these creditors stay right on top of these payments to be sure they are on time. If the payments are not on time, the creditors can and will file with the bankruptcy court for a release from the bankruptcy restrictions and will be allowed to pursue the filer for full payment. In effect, the bankruptcy is voided.
3. "Throwing the keys at the bank". Many people just walk away from their home, thinking that will absolve them of further responsibility. Well, the lender will pursue them, foreclose and repossess the home, and try to resell it to get their funds back. If the lender does sell the home, it is typically less than the mortgage balance so they will still pursue the original borrower for that balance, plus interest. In the meantime, there are IRS consequences that will impact the original borrower.
What other options does a homeowner have?
One of the hardest things to overcome here is the denial the homeowner may be in. Often, the homeowner just cannot accept the fact that they quite likely will lose the house. It is very difficult to have put years of care and love into a home and then to lose it and go away with nothing. There are the memories of growing children, parties, family gatherings that took place in the home. It's very similar to the grieving caused by the death of a loved one and goes through the same stages: denial, anger, bargaining, depression, and finally acceptance.
Nevertheless, actions can be taken that will lessen the financial and emotional impact of the loss of a home, but they are not easy to make.
1. Sell their home themselves. While they are still in the home, they can certainly list it for sale, either with a real estate agent or to sell themselves. If they can find a qualified buyer, then everything will follow the normal steps for buying and selling a home.
2. They can rent their house to a tenant and find a less expensive place to live for themselves. This will definitely buy them some time to deal with the house and relieve them of that monthly expense.
3. They can locate an investor who is a cash buyer for their home.
4. They can locate an investor who will help them stop foreclosure by initiating a short sale procedure. Short sale work can take from 4 to 12 months but during this time, foreclosure proceedings stop. When the short sale work is completed, the investor buys the home. The homeowners have gained the time needed to plan for their future and to find a new home for themselves, not be forced out by foreclosure.
I work with a financing partner doing short sales to help people avoid foreclosure and avoid IRS penalties. For more information, please call 469-293-1341
Sunday, January 31, 2010
Twitter Help!
Still not completely "getting" Twitter? I found this wonderful and complete help page, free on line, not an ebook, right on mashable.com:
http://mashable.com/guidebook/twitter/
http://mashable.com/guidebook/twitter/
Tuesday, January 5, 2010
The Help of a Coach
If you are a newbie to online marketing of any type: blogging, affiliate marketing, article marketing, etc., becoming successful without a mentor (or mentors), is very difficult. The saying that two heads are better than one was never truer than when trying to learn the ropes of online marketing, website building, or social media skills.
I've had several mentors over the past year or so but one person stands head and shoulders above them all and that is Sandee Robbins. I found her through http://ihid.us/?=low - an awesome site offering free leads, and other promotional tools galore. I also have the good fortune to be her mentee here: http://tinyurl.com/y892wfn
I've had several mentors over the past year or so but one person stands head and shoulders above them all and that is Sandee Robbins. I found her through http://ihid.us/?=low - an awesome site offering free leads, and other promotional tools galore. I also have the good fortune to be her mentee here: http://tinyurl.com/y892wfn
Wednesday, December 30, 2009
Subscribe to:
Posts (Atom)
