I met two different agents & they both told me the same thing about two different bank owned properties. They said if I submit an offer, the offer should be higher than asking price cause there probably will be many offers.

Can I just submit the asking offer instead since I am in no rush?
I am in Southern California.

I want to list Bank owned properties where to go? who to cantact?

www.REIClub.com — Wholesaling Real Estate Is One Of The Safer Ways To Start Investing In Real Estate. Here’s Why Beginner Investors Should Wholesale Real Estate… Hi, this is Frank Chen with REIClub.com, the only site you need as a real estate investor. Today I’ve got quick video on why Wholesaling Flipping Real Estate is good for beginner investors Qualifications: Wholesaling Property “Ease of Entry” Not a lot of… - Time - Experience - Money or credit - Resources - Looking to make Quick Cash with low risk Investment: Typical Wholesaling Properties Work Day - Time — Typically 1-3 Hours a day - Looking through ads/posting ads - Calling realtors - Drive-through neighborhoods - Attending REIA meetings/networking - Building a Buyers list - Market Analysis - pulling comps - Creating a Plan - - Money - Earnest money — as little as $1 - $1000 — get it back rather quickly Financial/Experience Gain from wholesaling houses: - Typically $1000 - $10000 / transaction (5-10 total hours of work per transaction) - Build relations — realtors, investors, title companies, - Learn the market - Assessing profit margins based on Repair costs - Familiarize yourself with purchase and sales agreements - Start building financial strength - Move on to other areas of real estate — rehabs, short sales, reo’s Wholesaling Property Risks: - Money in Deal - If using private mortgage lender, none of your own money is in the wholesale real estate deal - End buyer backs out - Buyers list setup …

I have been paying tax dollars for people modifying their mortgages and watching my home value plummet while other unethical types are letting their homes get foreclosed on and put up for short sale. I am not allowed to refinance my own home while paying for others due to it being upside down. It seems everybody is out for themselves and are dumping on their fellow man.

What should I do first?
What are some of the things I should beware?
What capital is needed ($s)?

What Offer Should You Make to the Lender In a Short Sale Deal?

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Home Page > Business > Business Ideas > What Offer Should You Make to the Lender In a Short Sale Deal?

What Offer Should You Make to the Lender In a Short Sale Deal?

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A short sale deal happens when a home owner is on the brink of entering foreclosure. In order to avoid the hassles of dealing with a foreclosure, the lender agrees to sell the property to a third party, even if the selling price is lower or shorter than the market value of the property, hence the name short sale.

As a real estate investor poised to make a good profit from a short sale deal, you need to understand the relative complex procedures involved in these transactions and also what levers you need to push in order to convince the lender to sell you the property in a short sale.

One of the most important aspects of a short sale is figuring out what is the correct amount of money that you should offer to the lender for the distressed property. Too little and the lender will turn you down; too much and you will sacrifice your profit and maybe even end up with no profit at all.

The answer to this question depends on a few issues. Let’s expand a little on these factors:

The initial offer – as a rule of thumb, your first offer should be as low as reasonably possible. Never begin your negotiation with more than you think the creditor could accept. If you make a first offer for a short sale and the lender immediately accepts you can start looking for mistakes in your plan.

What is your exit strategy?

Before making an offer, deliberate a little on your exit strategy, or what do you plan to do with the property if everything goes as planned. If you plan to sell the property to a rehabber, you should know that rehabbers generally don’t spend on a purchase more than 65% of the retail value of the property. So, if a house is worth $100,000 and needs rehabbing, you can expect to receive offers of no more than $65,000. If the house is well kept and doesn’t need any renovation, you can sell it directly to a landlord and receive a maximum of 80% of the value of the property, in our case, $80,000.

What is the value of the pending mortgage?

The amount of money the lender needs to recuperate from the homeowner is the second factor which you should ponder when pricing your bid. If the total withstanding value of the mortgage is smaller your offer can also be less substantial

Don’t forget to add all your expenses in a spreadsheet, like the fees and commissions that you need to pay for the various transactions, since these smallish expenditures can add up in a substantial amount of money.

Also, devise a realistic roadmap and do everything in your power to stick to the milestones.

Expect the unexpected, nevertheless. Short sales are notorious for the long delays which can appear, caused by the complex and sluggish process of approval by the various lenders involved.

With these advices in mind, remember that there is no fails-safe template for a successful short sale and you need to adapt your actions to every particular situation.

 

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I was denied a Hamp mod due to NPV caculations. My lender will not explain these terms to me. They said they cannot help me. I need to short sale and get out. Can u please help me
What are tax implications of short sale ?
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I am looking to purchase a home and the bank says that they already have the approved price due to someone backing out at the last minute. They are advertising the home for $160k. I’d like to come in around 139k. Do you think I would even get an answer back for going this low?

Massachusetts and New Hampshire Homeowners should weigh the potential risks of a short sale

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Home Page > News and Society > Economics > Massachusetts and New Hampshire Homeowners should weigh the potential risks of a short sale

Massachusetts and New Hampshire Homeowners should weigh the potential risks of a short sale

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Massachusetts and New Hampshire Homeowners should weigh the potential risks of a short sale

By: Maryann Little

About the Author

Maryann Little is a pre-foreclosure acquisition specialist.  She works with homeowners in New Hampshire and Massachusetts facing foreclosure.  Her team of negotiators has successfully negotiated over 300+ short sales.  She owns Rapid Property Relief, LLC which specializes in purchasing and negotiation of short sales. http://rapidpropertyrelief.com

(ArticlesBase SC #2918630)

Article Source: http://www.articlesbase.com/ - Massachusetts and New Hampshire Homeowners should weigh the potential risks of a short sale

In June 2010 there were over 848 auction notices given to homeowners in New Hampshire and the number of advertised auction notices in Massachusetts more than doubled to reach 2,858 in May 2010 compared to 1,378 during the same month last year. A total of 13,969 auction notices from January through May were published.  The above information from the Warren Group, represents a 139.7 percent jump from 5,828 during the same five months in 2009 in Massachusetts.  New Hampshire statistics were reported by Real Data.

If you are a homeowner in Massachusetts or New Hampshire and are considering a short sale, there are some risks you should weigh.  A short sale is a viable alternative to foreclosure.

It is not uncommon in today’s economy to have lost your job, had a reduction of pay, gone through a divorce, death in the family, or even have an ARM mortgage that wasn’t fixed into a rate that you could afford.  There are NUMEROUS situations that face homeowners that put a strain on their income and their ability to pay their mortgage.  At some point, most homeowners realize their house is something they can no longer afford and feel trapped because its value is no longer worth what they paid.  So, what are the options?

There are several options including a modification, forbearance, deed in lieu, or even bankruptcy, but most homeowners have tried one of these options or several without success.  One of the last options a homeowner may consider is a short sale.  It’s the last option because most people don’t want to sell their homes, however, there comes the time a homeowner realizes holding onto their home drains them financially too much.

Homeowner should know the risks of a potential “traditional” short sale.  There is a new type of short sale called a HAFA short sale that has other risks all together, so for today, our focus is the traditional short sale. 

The biggest risk in considering a short sale is the home could go to foreclosure.  If a homeowner stops making payments, at the 90 day mark, most lenders can escalate the loan and call the whole thing due.  It doesn’t mean it will happen at that time, but it could.  Most lenders don’t want to foreclose as it costs them an average of $65,000. 

There are usually three possible outcomes to a successful short sale the homeowner should be made aware of:

1)      The lender agrees to forgive the deficient amount.  The deficient amount is the amount the homeowner owes minus the accepted sale amount.  So for instance, a home that had a mortgage of $200,000 and was bought for $140,000 would have a $60,000 deficient amount.  Most distressed homeowners can’t come to the closing with that $60,000 so the lender has the say on what happens to that $60,000.  If the lender agrees to forgive the deficient amount, a 1099-C will be generated and the homeowner MAY have tax ramifications on that $60,0000.  MOST homeowners will be deemed insolvent under the mortgage debt forgiveness act of 2007 and a homeowner could walk away at that point and never think about the house again.  Only your accountant can tell you if you are insolvent.

2)      The lender does NOT forgive the deficiency.  They “reserve the right to pursue” the deficient amount.  In this case, they are reserving that right to collect their $60,000.  Now it doesn’t mean they WILL pursue the homeowner, only that they are reserving the right to pursue the homeowner.  What homeowners in Massachusetts and New Hampshire need to be aware of is the statute of limitations is 20 years.  They have 20 years to collect that deficient amount.  If this is the outcome of your short sale, you will NOT be issued a 1099-C,

3)      The lender could ask for some form of payment at closing or a promissory note.  So for instance they may ask for $12,000 in the form of a promissory note.  This amount is usually spread over a few years.  There is no way to tell what amount they will ask for or how long they will spread out the repayment of that amount.

The homeowner makes the decision on whether or not the terms of the approval are acceptable to move forward with the short sale.  If the homeowner decides not to move forward however, the outcome will likely be foreclosure, in which there is an automatic deficiency listed on their credit report and the foreclosure. 

If the homeowner pursues a short sale their credit will also struggle, however it will be far less damaging than a foreclosure.  Their ability to purchase a home again can be anywhere from 1-3 years as opposed to 5-7 in a foreclosure.

A short sale is an excellent alternative to foreclosure, however there are risks the homeowner should consider.  The more information a homeowner has about the potential outcome to their short sale the better position they are in to make decisions on their future.

Retrieved from “http://www.articlesbase.com/economics-articles/massachusetts-and-new-hampshire-homeowners-should-weigh-the-potential-risks-of-a-short-sale-2918630.html”

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Maryann Little -
About the Author:

Maryann Little is a pre-foreclosure acquisition specialist.  She works with homeowners in New Hampshire and Massachusetts facing foreclosure.  Her team of negotiators has successfully negotiated over 300+ short sales.  She owns Rapid Property Relief, LLC which specializes in purchasing and negotiation of short sales. http://rapidpropertyrelief.com

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