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27 Tag Results
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June 05, 2009
Short Sale Real Estate Investor
Short sale real estate is property that has been sold for a lesser amount than the balance due on a mortgage note. This type of real estate transaction occurs when a homeowner is no longer able to fulfill their mortgage obligation and defaults on their loan. In order to stop foreclosure, the lender can elect to allow the homeowner to sell the home for less than is owed on the loan.
Typically, lenders only engage in short sale real estate when the current market value is less than the loan on the property. Short sales are only available to homeowners who have no equity in their home and owe more than the property is worth.
Real Estate Investing article on "Short Sale Real Estate Investor"
June 03, 2009
Mortgage after Bankruptcy
Individuals wanting to obtain a mortgage after bankruptcy need to get their financial affairs in orders long before applying for a loan. Obtaining credit is considerably more difficult today than it was just a year ago. The banking industry meltdown caused lenders to tighten regulations. Individuals with excellent credit find it challenging to obtain mortgage loans. Those with poor credit don't stand a chance.
In order to qualify for a mortgage after bankruptcy, borrowers must establish a history of paying their bills on time. Housing costs are usually the largest expense people have. Financial experts suggest leasing a home with a monthly payment equivalent to a mortgage payment. Paying rent on time each month helps debtor's establish a track record.
Real Estate Investing article on "Mortgage after Bankruptcy"
May 22, 2009
One Rate Real Estate
One rate real estate is an excellent option for individuals who desire a fixed rate of return on investments. The process is relatively simple; however it is imperative to work with a reputable real estate investor who possesses a solid track record in flipping houses.
There are four steps to one rate real estate investing. The first step involves locating a private investor. This can be accomplished by asking friends, relatives, neighbors or co-workers for a referral or by conducting research via the Internet.
Real Estate Investing article on "One Rate Real Estate"
April 24, 2009
Bad Credit Lender Loan Mortgage
Bad credit lender loan mortgage is a form of home financing available for people with poor credit. When the bottom fell out of the banking industry, lenders imposed new mortgage lending guidelines. In addition to requiring a high FICO score and solid employment record, borrowers must also have a substantial down payment before qualifying for a home loan today.
Obtaining a bad credit lender loan mortgage is not the same as subprime loans. However, bad credit loans cost more to obtain. Borrowers with low credit scores are viewed as high-risk; meaning there is a good possibility they will default on their mortgage note.
Real Estate Investing article on "Bad Credit Lender Loan Mortgage"
April 22, 2009
Cash Flow
Cash flow is the after tax net profit of a business. As the saying goes, cash is king. For a real estate investor, cash flow can make their property investment career a success or a failure.
Negative cash flow means there are more expenses going out than money coming in on investments. If the negative cash flow continues for too long and causes an investor to use all their savings, their business can end in bankruptcy.
Real Estate Investing article on "Cash Flow"
March 17, 2009
Buy a House
Why would anyone want to buy a house in today's recessed market? Actually, there are several reasons. First of all, housing prices have reached an all-time low; making real estate a great investment for buyers who desire to hold the property for several years. One thing is certain, housing prices will eventually rebound. Investing in real estate today can potentially yield a tidy profit later.
Another reason to buy a house today is the fact there are so many options. In the past, most people bought houses through realtors. They found a home they liked, made an offer, and obtained financing from a lender.
Real Estate Investing article on "Buy a House"
August 29, 2008
Lease Option
Lease option is a form of financing used to purchase real estate. Instead of obtaining a mortgage note through traditional lenders, buyers pay sellers 'option money' to secure the right to purchase the property at a later date. The purchase price may be predetermined or the buyer may agree to purchase the home for current market value when the lease option expires.
Since buyers and sellers negotiate their lease option, no two will be the same. When drafting rent-to-own lease agreements it is advisable to work with a qualified real estate attorney. Doing so will ensure the document is legally-binding and adheres to state laws. It is imperative both buyer and seller are protected by law in case either party defaults on the contract.