Lending / Financial

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Trending blogs on Lending / Financial
By Dennis Dahlberg Broker/RI 623-582-4444
(Level 4 Funding )
Non-Performing Notes for Sale: What Your Mortgage Loan Broker Can Do For Your Trust Deed InvestmentYou may have already heard of trust deed investing. A trust deed investment is like a mortgage but it differs slightly because there are three important people in a trust deed investment; the borrower or the trustor, the lender or the beneficiary, and the trustee. The Trustee is the person who actually purchases the property and in the end, if the trustee is paid as promised, then they won’t have any claim to the property. However, in a trust deed investment, if the borrower defaults, then trustee takes back the mortgaged property.When it comes to investing in trust deeds, the main thing to remember is to never buy a note secured by something you wouldn’t eventually want to own. That’s no...
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 Whilst we find ourselves in these uncertain times, it is easy to forget what things looked like before, when restaurants were filled with happy diners, supermarkets and shops were bustling with shoppers and the high street was packed with potential customers. During this downturn, most of those things now seem like a foreign idea and one of the most deeply affected industries has been the gambling vertical. While many overlook this one in terms of it being attached to a ‘lifestyle’ or ‘entertainment’ tag, the change in circumstances has been huge on both the hundreds of thousands of employees who work within it and the billions of dollars generated by the sites themselves.There are over 9,200 casinos and gambling establishments situated around the world, each caring for a huge number o...
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By Dennis Dahlberg Broker/RI 623-582-4444
(Level 4 Funding )
Benefits does trust deed investing offer?If you are looking for an investment where you come out on top, then look no further than trust deed investing Arizona. With trust deed investing Arizona you are guaranteed a return on your investment, which is so much more than many other investments can say that aren’t deed of trust investing . Let’s look into the kinds of benefits you can look forward to with your deed of trust investing Arizona.For one, as stated above, you do get your return back and then some so there is a little risk and a high return. Always a great thing to remember. Moreover, you are guaranteed a yield, which is something unexpected from an investment of any kind. Another great thing about trust deed investing Arizona is that this loan is secure. How do we know this abo...
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By Dennis Dahlberg Broker/RI 623-582-4444
(Level 4 Funding )
What About Returns on Trust Deed Investments Arizona? Thinking about making use of your portfolio and getting involved with trust deed investments Arizona? This is great news! Trust deed investments company is among one of the most profitable ways that you can make money with your investments. If you always thought about investing in trust deeds Arizona, but you haven’t done it yet, now is the time to really think about it.But why, you ask? Well, let’s be real; the returns are high.That’s the best part about investing in trust deeds Arizona because you actually make money because you always have an asset to hold on to whether it’s a property or money. As a lender, you have everything coming to you!Think about how great it would be to put little or no money down on your non performing no...
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By Michael J. Perry, Lancaster, PA Relo Specialist
(KW Elite )
    Many buyers know very little about PMI and MIP ! But this lack of knowledge could cost you thousand of DOLLARS $$$ ! Many times your agent is not aware of how to assist you avoid this costly Mortgage Insurance ! This blog post is a must read !!! How to "Replace" Mortgage Insurance           The many questions and comments I received regarding my recent post about Private Mortgage Insurance prove that PMI remains a topic of real interest and concern for Borrowers and real estate professionals alike ...        After reading my post, many readers raised the question, "Is there any way to avoid paying monthly Mortgage Insurance"?  The short answer to that question is "yes", there is.        But as typical with most things in financing these days, there are asterisks attached to that ans...
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By Richa Nayyar
(Coming service)
  If you are a student studying for professional degrees or you are a prosperous professional in your area, research is a solution to you as it is for everyone!Most of the professions require a robust dedication to research and to review the most innovative technologies that can be a victory for today and upcoming generations.Note: Research cannot be done without tools. These tools are both soft and hard. Hard tools can be your efforts that are useful and soft tools are distinctive, supporting hands like computer software, search-engines, and the whole of the Internet.I prefer to use a PDF Lookup search engine to free PDF download. This platform is available with all types of ebooks and notes that are beneficial for students and even teachers also.Why PDF Search Engines?PDF indexed-sear...
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By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
The Benefit of Seller Paid Closing Costs Did you know seller's often pay part or all of a buyer's closing costs and prepaid items?  In our Northern Kentucky and Ohio market they do. Now more than ever this can be a benefit to the buyer because we for the time being are in a very different world of pricing on mortgage loans. In a normal market you have a range of choices when it comes to interest rates, the amount you want to spend and the amount you have available. It typically is not difficult to use something called premium pricing where a lender pays part of the closing costs for a buyer. Simply put a lender can bump the rate up a bit creating a surplus over and above the cost of the par rate and use that surplus to offset some closing costs for the buyer.  This pricing does not part...
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By inboundREM Market Updates
(InboundREM)
Sterling Breeze, Panama City Beach, Florida Condominium Information and Market ReportSterling Breeze CondominiumSterling Breeze is a lovely beachfront vacation condo at 16701 Beach Front, Panama City Beach, Florida. Conveniently located along the beachfront road, the property is a drive away from the many recreational, dining, and shopping attractions of the area. Residents have direct access to the beach and can enjoy the many beachside amenities provided by the condo. Parking facilities are across the highway and is connected by a walking bridge for the convenience and safety of guests. If you're looking for a comfortable and relaxing place to stay for your holiday or would like to live long term in the city, you'll love the units that Sterling Breeze has to offer. There are 145 indiv...
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By Patty Clark, Helping Families Move with Care
(Morningside Homes, LLC 720-231-5200)
  Taking cash out of the equity of your home could be a legitimate way to fund a temporary cash crisis now or to have it on-hand if the need arises.  Most homeowners can pull out the difference in 80% of the fair market value of their home and what they currently owe. The most frequently cited reasons for refinancing are to lower the payment, eliminate the private mortgage insurance, combine mortgages, consolidate debt, convert an ARM to a fixed rate mortgage, remove a person from the loan or to take cash out for another reason. The option of using your equity to deal with unexpected living expenses or potential lost wages in the future could be a good reason for doing a cash-out refinance.  It is important to consider that it could increase your monthly payment instead of lowering it w...
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By Dennis Dahlberg Broker/RI 623-582-4444
(Level 4 Funding )
In the United States, there are two types of real estate transactions, true mortgages and deeds of trust sale. In a true mortgage sale, there are two parties involved, the bank or lender, and the borrower. The borrower is given the deed to the property he/she is purchasing and the lender has very little security or collateral. A second form of real estate investing is called trust deed investing. This type of investing differs from a true mortgage in that there are always three parties involved, the bank or lender, the borrower and a third party who is investing his/her personal capital in the deed of trust. If you want an investment that pay for college, investing in deeds of trust can be an opportunity to earn high interest rates with low investment risk.During trust deed investing, a...
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By Dennis Dahlberg Broker/RI 623-582-4444
(Level 4 Funding )
Most investors know about their investment options regarding stocks, bonds and some real estate transactions. One lesser known strategy is investing in trust deeds, a specific type of real estate investment that is low risk and high return.Smart investors know that having a well-rounded portfolio is a key component of successful investing. One investment that most people take advantage of is a stock investment. With this type of investment an investor purchases parts, or shares, of a company. When the company makes money, so does the investor. If the company loses money, so does the investor. The risks and rewards of stock investing varies by the specific companies the investor chooses to invest in. There is not insurance against loss. To help make this investment less risky, investors ...
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By Dennis Dahlberg Broker/RI 623-582-4444
(Level 4 Funding )
Are you interested in Investing in Trust Deeds?You may have heard people recently talking about trust deed investing Arizona and wondered what that was. In short, Real Estate Trust Deed Investing is a serious kind of investment for a person who is interested in making money. Investing in trust deeds Arizona isn’t a light business. It’s only for people who are determined to increase their income. Don’t get left behind in the dust. Trust deed investing Arizona could absolutely be the right kind of investment for you. Be sure not to overlook this fantastic opportunity. It could be the right one for you.Often times, one of the things overlooked by someone who is doing some trust deed investing Arizona is making sure they have a great mortgage loan broker. You should know up front that havin...
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By Ginger Harper, Your Southport~Oak Island Agent~Brunswick County!
(Coldwell Banker Sea Coast Advantage~ Ginger Harper Real Estate Team)
 Great blog.  WE needed to see this one. Thanks, The real estate market is one where a profitable investment is always to be found; somewhere amidst the foreclosure lists or lying dormant on a real estate agent's desk. This guide aims to give you the background necessary to allow you to find profitable investment real estate. The first key to profiting from real estate is to find a highly motivated and urgent seller. The idea is that to negotiate a lower price on a piece of real estate requires the seller to want to sell their house quickly or desperately. If you are talking to an unmotivated seller on the telephone then it will soon be very clear that you are not going to get a discounted price on this real estate. If the seller is unmotivated then you will be unable to negotiate a luc...
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By Joe Metzler, Sr Loan Officer
(Cambria Mortgage)
Many people are struggling these days. Mortgage forbearance (pausing payments) may seem like the answer.One of the biggest questions people are asking is, will forbearance hurt my credit score?  The answer is both no and yes.Per the CARE ACT, lenders are not allowed to report any paused (missed) payments as a late payment on the credit report, so technically no, it shouldnt effect your credit score.BUT, the word forbearance WILL show up as a comment under your mortgage (I've seen it already). Lenders will know, and will be extremely reluctant to lend to you in the near future.Long standing underwriting guidelines have always required we review a minimum of your last 12 months mortgage payment history, which we normally just see on your credit report. Lenders will likely NOT lend to you ...
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By Dennis Dahlberg Broker/RI 623-582-4444
(Level 4 Funding )
First, you probably have the question all investors have…what exactly is trust deed investing and how does it work? In simplest terms, a trust deed is a simple document recorded with the county that creates a secure lien on real estate property. That property then becomes collateral for lenders and the trust deed holder.Basically, this is how they work: a borrower needs a loan for real estate. (This can be property they already own or property they are hoping to purchase.) The proper documentation is created for a Promissory Note which is an agreement that the borrower will repay the lender on an agreed upon amount. The trust deed itself is what makes the contract binding. Since the property is used as collateral for the loan, the trust deed investor (person who lends the money) can use...
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By Dennis Dahlberg Broker/RI 623-582-4444
(Level 4 Funding )
An interest rate of 9% or higher and stable monthly payments sounds too good to be true to some investors. While there are many, many benefits to investing in trust deeds, like any investment, there are also some risks.The biggest risk is that the borrower will default on the loan. If this happens the trustee will no longer earn interest payments. The trustee also has to foreclose on the home and sell it, which can be a hassle. Finally, if the home is sold for a loss, the trustee will lose his/her initial investment. The easiest way to help mitigate the foreclosure risk is to ensure that you are investing in deeds of trust for properties that are worth their loan amounts. Basically, don’t buy a trust deed on a property that you would not want to own yourself (although you it doesn’t nec...
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By Dennis Dahlberg Broker/RI 623-582-4444
(Level 4 Funding )
A common question about trust deed investing is what is in it for the lender. This is a valid question because banks generally don’t like to give away 12% interest rates for free. In order to understand why the bank would engage in trust deed investing, it is critical to understand the two types of mortgages in the United States.The first type of mortgage is a true mortgage wherein the only parties involved are the bank and the borrower. The borrower holds the legal title to the property they purchase. If the borrower defaults on mortgage payments, the bank has to take judicial action against the borrower by actually suing them in a court of law. Only after the court has ruled in their favor can the bank take possession of the property via foreclosure. This is a lengthy process and can ...
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By Callie Thompson, Property Xchange Solutions
(Property Xchange Solutions)
How to avoid Loan Modification scams    This is the biggest dilemma a homeowner is faced with when looking for help to avoid foreclosure. Who to choose, where to start and who is legit? It's not a secret that nearly 75% of Loan modification companies are fraudulent or scam artists. Loan modifications are in high demand right now. This makes it easy for scammers to pray on innocent people who usually will end up victims. Many lose their homes and the fee they invested for mitigation services. What's worse is, many homeowners entrust their last dime to an outside source who is supposed to help them. This is why it is important homeowners take the necessary steps to ensure they have hired a trusted Attorney to deliver favorable results. This will also improve the state of our economy, beca...
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By Callie Thompson, Property Xchange Solutions
(Property Xchange Solutions)
Loan Modification For your Investment Property   It is estimated that 13% of all foreclosures are investment properties. Investors....did you know you can get help with this? Just because it's not your primary residence doesn't mean it's not an important issue. Just because Obama's programs do not include investment properties doesn't mean you can't get relief. If you were to foreclose on your investment property, the lender would take a huge loss, same as if the property was owner-occupied. Therefore, a loan modification for your investment property is obtainable. Do you have a delinquent tenant and can't afford payments? Did you predict to have equity by this time but instead you are losing value, and now you can't sell for a profit? Has your income been effected by the economy and yo...
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By Callie Thompson, Property Xchange Solutions
(Property Xchange Solutions)
Loan Modification Frequently Asked Questions Loan Modification Frequently Asked Questions and Answers: I have compiled questions & answers for the public so that you can determine if Loan Modification is the route for you to take.  Q. What is foreclosure? A. Home foreclosure is a process by which a lender regains a property which they have financed. Typically, this is because the borrower or homeowner is behind on house payments and is unable to catch up, often due to circumstances outside of his or her control. When the lender forecloses on the homeowner, the homeowner must move out of the house, therefore, losing all possession of the property and jeopardizing any possible equity that the homeowner may have in the home. There is a legal time frame, which varies from state to state, wh...
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