Trying to sell your own home can be a complete nightmare! However, after reading this Special Report, you may very well have a totally qualified buyer within the next nine days... ME!
While I can't promise you that I will absolutely buy your house in the next nine days, I can absolutely tell you that I am constantly looking for and regularly buy homes just like yours from other folks in our community. I am completely qualified to buy your home, and very interested in doing just that. As you read this report, you'll get a good general idea of what I look for.
First of all, I am not a Realtor, just a private individual, just like you. People who have never tried to sell a home themselves just don't seem to understand all that's involved: the details, the time, the waiting, the ads that never seem to make the phone ring. Having strangers walking through your bedroom. Strangers that feel obligated to pick apart the most trivial features of your interior decorating tastes. Two-faced people, who smile and nod and act serious, but never call back. It can be a much bigger hassle than you ever thought possible... in fact, it can easily turn into your worst nightmare!
So, like I said, I am not a Realtor, but I do know what homeowners go through when they try to sell their home. You may still be in the "thinking about it" stage. Maybe you've already tried listing your house with an agent... maybe you haven't decided you're ready to go that route yet.
While it can't hurt to list with a Real Estate agent or broker, by the same token, do they ever seem to have the same "feel" for your house as you do? After all, if you had a computer sitting in your office loaded with thousands of nice beautiful houses of all shapes, sizes and price ranges... what kind of real "selling" would you actually do? Would you really go all out and work on selling one particular customer's house? Or would you pick out a selection of several houses for your prospective buyers, hoping to land them on one... any one... of the many homes you'd selected? Come on... you'd go with the numbers. After all, you don't have any personal liability if the seller's house sits an extra week or two... and there's always the next customer. And the next listing. But then, you're no Realtor, either.
That's why more and more folks have gone the "For Sale By Owner" route: you buy your sign, you place your ad, you show your home. You wait. You call back the lookers and leave messages on their answering machines. Maybe you actually get a live one, and write up an agreement! Several weeks pass. You start thinking something's going wrong. Financing?! But it's supposed to be the buyer's job to get a loan, not yours! Right!?
Can you tell I've been there? Right back on square one, with a beautiful new house, priced right, and not a clue on how to make it go away. Looking down the barrel of a deadline to move or some other significant pressure. Sometimes, the reasons people sell their home are great ones... a new job, a transfer, building or buying another home. Sometimes the reasons aren't so good at all... bankruptcy, divorce, foreclosure. Thinking about selling can quickly become waiting to sell... and it's amazing how fast "want to" can become "have to." Whatever the reason, it puts you in a pickle.
What if I were sitting at your dining room table right now, and told you I wanted to buy your home...? No sweat on the credit... in fact, I may very well close with all cash. No problem with the non-assumable loan. No problem catching up any payments in arrears. Would you perk up a little if that were the case?
I obviously don't know how much you owe, how much it's worth, or any of that. Those details can be handled when I am at your table. What I do know... and what you should know, is... If you'll share the facts with me, in complete confidence, I can either tell you on-the-spot if I can't help you, or I'll come back and give you one or more solid offers ... within 24 hours.
With your property, I'll probably structure several options, and let you choose the one that best suits your needs. The purchase price will be sufficient, I guarantee it. I will immediately take the financial burden of any monthly mortgage payments off your back, and I'll also take care of any fix-ups or maintenance, regardless of how minor or serious. What's more, I'll close when you're ready.
You see, I've found that I can make an acceptable profit on homes that even real estate agents have passed up. It's basically because I personally handle the whole process. When I agree to purchase your property... I take it seriously and I treat your house like my very own. Your situation literally becomes OUR situation. And, frankly, I don't know how to make it work any other way.
You Can Get On With Your Life!
Look, like I said earlier, people sell homes for various reasons. Maybe it's a new job that requires a move, and they don't want to carry double house payments. Maybe it's a company down-sizing that creates the problem. It could be bankruptcy for foreclosure... or they could've won the lottery. Perhaps they want to build... they're tired of the same old neighborhood... they need something bigger, something smaller. It could be death or divorce...or marriage or birth. Whatever it is, the house has become something to move beyond. To sell, to put behind you, so you can get on with the business of living your life.
I'm not a cynical person... this is reality. Granted, I don't know your particular reasons for selling, but I do know how to get your house closed as quickly and professionally as possible. In fact...
Here's The Game Plan To Sell Your House Quickly!
After we agree on the purchase price, and verify the amount you owe on the mortgage, if the circumstances are right I may pay all cash at the closing. If not, we may work out monthly payments for a period. Whichever way you go... you get immediate relief from your monthly obligation to your mortgage company.
Please don't misunderstand or assume that we have to "steal" your house, or that you need a lot of equity for me to be interested. I've worked with all kinds of circumstances and have been thoroughly trained to create solutions after so-called "experts" have given up and quit. Again, if you share all the facts with me, I'll tell you within two minutes if we can help. Now that we've got that clarified, allow me to give you a few examples of how I might help.
Mainly what we can do is take your home over subject to the existing mortgage. Which means, we will be responsible for your payments and maintenance. We will put a tenant/buyer in the home and help them get financed. At that time, we will be getting the home re-financed in their name.
Unlike working as a Realtor, we are investors. We agree to make your mortgage payments while we find a buyer for the home. So if it sits empty, we can often times make those payments. Also, unlike a Realtor, there is no listing agreement and no 6-7% selling commission. Additionally, closing costs which are the responsibility of the seller, typically run about 3%. Just add these last two items together and on a $100,000 home, that cost represents $10,000. Now add in the typical 3-6 month period that is will take to find the buyer and have them get qualified and finally close on the home and you've just made monthly payments on Principal, Interest, Taxes, Insurance, Utilities, Maintenance, and Repairs. Remember that if you get a buyer today, it typically takes 45-60 days for them to get financing. Guess who would pay for your home during that period? You would!! That's 2 more payments you would have to make, and that's if you had a buyer today. What if it takes 6 months?
One of the main problem solvers we can offer is Peace of Mind. sometimes the hardest aspect of having to move is actually having your home up for sale and your life in limbo. You've heard the saying, "Sometimes the not-knowing is the hardest part!" When you approve the paperwork with us, you will know that your payments and the home are taken care of so you can start over and have that peace of mind.
We can take care of all the paperwork in about a week. We simply order the title research and draw up the papers. We can set a date when you can move out and we will take over the home after that. We will make payments on your loan while our tenant/buyer builds equity and finds their own financing.
The best part is, your loan doesn't even have to be assumable. Regardless of the type of loan - assumable, non-assumable, assumable with qualifying, FHA, VA, Conventional - I have approaches that work for all transactions. I take care of your monthly payments, take on all responsibility for maintenance and upkeep of your property, and liquidate your asset, before it becomes a liability! Now seriously, does it get any better than that? As I stated before, my approach can work in any situation. We'll create the solutions, and you pick the one you like best!
Benefits to Sellers
For you the Seller, we thought we should summarize the benefits of this program. Maybe not all these points apply to you but most should:
- Rapid, flexible sale of your home - You select the date that you want to move out. We can complete our transactions in 9 days!
- Certainty of Sale - Avoid the disappointment of "selling" your home, waiting 45 days for a buyer to qualify and then finding out the deal fell through for any number of reasons. Then the process starts all over again but the pressure is really on you now.
- Avoid Sales Commissions - No need to pay a Realtor the typical 6-7% fee.
- You Get Quick Relief from Mortgage Payments - Compare that with a Home Listing that can go on forever!
- Avoid Typical Closing Costs - Avoid the necessity of paying for Surveys, Title Insurance, Deed Preparation, Courier Fees, Recording Fees, etc.
- Eliminate a Listing Agreement - We provide a Purchase and Sales Agreement; remember we are BUYING your home!
- Eliminate Time Consuming House Showings - You won't have to show your home anymore. On average, we show your home less than 4 times, nearly always after you've moved out. We find qualified, motivated tenant/buyers.
Need more reasons, then just read on. Not everyone wants to know all the details of how we work, but just in case you're interested, we'll tell you exactly what we do.
Benefits to Buyers
Yes, you are the Sellers, but just in case you wanted to know why our program is so successful, we're including the benefits for Tenant/Buyers.
- Want to build up equity in the home of your choice while you improve your credit rating?
- Need more time to build up your base income?
- Looking for a home in an area that will surely have price appreciation?
- Wouldn't you like the ability to fix the price of your future home and avoid price inflation?
- Wouldn't you like to get a better mortgage in 12-24 months than the one you qualify for now?
These are a few of the benefits for home buyers who want their home now, but know that their financial profile will be much better in the near future. We let these people make payments on a fine home and then when they have improved their equity, credit or financial profile, they can qualify for the type of mortgage that they want. This makes if much simpler for nearly 40% of the people who have trouble qualifying for Class A mortgages.
The "Subject To" Process -
This is how we take over the payments on your home. We begin with a phone call to find out some preliminary information concerning the property, desirability of the home, mortgage information and seller timing and motivation.
Next, we meet in your home and review your paperwork. In preparation for this meeting, we usually have performed a comparable market analysis to determine the approximate market value of the home. At this meeting, we explain the required documentation, such as Warranty Deed, Purchase and Sales Agreement, Power of Attorney, Disclosure Statements, Notices to the Lender and Insurance Company. We leave samples of all documents that will be signed so that you may review them with whomever you choose.
While we're in your home, you can show us any repairs or cosmetic improvements that need attending. We agree on a schedule for signing documents and for change of possession. We can be very flexible on our date of possession, but once we set the date, we want to be sure that the home will be available for cleaning/painting crews, as well as initiation of our advertising to find our Tenant/Buyer.
After this meeting, we run a title search to be sure that there are no encumbrances that would cloud the title when we next meet. This search takes about two days, but provides us both with the certainty of the ownership, status of liens (mortgages and promissory notes), and gives us the exact legal description for creating a Warranty Deed.
At our next meeting, we sign all the necessary forms. The Warranty Deed and the Power of Attorney require notarization. Several copies of each are signed and you get one copy of each document for your records.
Our last meeting is when your moving vans are loading your possessions. At this brief meeting, we ask that you give us the garage door openers, keys and a list of all the utility companies. We will contact them to switch payment of the services. Since we're going to send in a cleaning crew, there is no need for you to spend much time making your home pretty as you move out. However, we recognize the pride that you have in your home and we always appreciate that Sellers housekeeping efforts when they move out.
After you leave, we provide cleaning and maintenance efforts to assure that the home is in "move in" condition. Typically, we don't show homes more than 3 or 4 times to prospective tenant/buyers. Using our techniques for advertising and prequalifying, tenant/buyers have few reasons not to sign an agreement to purchase the home.
You will probably not hear from us for sometime after we take possession of your home. We transfer the utilities and notify the insurance company and lenders. When our tenant/buyer exercises their option, we pay off your mortgage (using the Power of Attorney documents) and notify you that your mortgage has been satisfied.
Let me share some examples with you. In these examples, the names have been changed since I maintain complete confidentiality in all cases. Anyway, this couple, we'll call them John and Mary Smith, contacted me recently and sold me their home within 3 days.
John Smith worked for one of the big companys locally. As often happens lately, he received notice that he was being transferred in 90 days. John and Mary had just built their beautiful 3500 sq. ft. home only two years before. If they couldn't sell before his transfer, their only choice would be to make double payments. The prospect of renting his house out from a distance did not excite him whatsoever. Smart man!
He'd been trying to sell it for over two months when a mutual friend suggested that he call me, and by then he was desparately looking for some answers! He was excited to hear that I had an easy way out for them. Later, at their home, I looked over their loan papers, and we began to solve their problem.You see, they owed $210,000 at 8%, paying $1540.91 a month.
Mary had a friend who was a Realtor, and she'd told them they were probably upside-down (owed more principal and interest than the house would sell for including commissions), since they'd just taken out the loan and they didn't have time to sell it themselves.
All these folks wanted was to get out from under the liability of the loan, so they could be eligible for a new loan on a new house. I agreed to pay John and Mary full retail value (top dollar) upon purchase, and to cover their mortgage payments. Our objective was to find a quality buyer to occupy the house until they were able to buy. After a quick title check, we immediately began our marketing campaign, and to be honest, it was easy!
You see, in this business you develop files on qualified buyers looking for houses. They all have their own criteria, as far as monthly payments they're looking for, down payment they have, how many bedrooms and bathrooms, etc. So I simply began calling some prospective clients, knowing that this house met their criteria. The third couple I called wanted to see it right away, so I met them at the house that afternoon. The next day they called, wanted the house, and they were in my office that afternoon signing papers. It was that quick and easy!
I immediately began the process of walking them through the details required to get them qualified for their new loan. During this process, I simply leased the property to them, completely covering the mortgage payments. Four months later, the buyers were able to obtain their new loan. In the meantime, John and Mary were able to obtain their new financing, based on the agreement between them and me.
The Smiths got their new home, the new family had a home immediately, and within 120 days we closed the sale. We realized a profit from the difference between the Smith's loan balance and the new buyers purchase price. But most importantly, the Smiths were released from liability, thus making life a lot less stressful for them.
It was a win/win situation for all 3 parties involved, and just another example of how our "Subject To" program can work for anyone.
Now I can't promise you that I can do the same for you. Frankly, it can certainly take longer than four months. But remember, buying homes subject to the existing financing is only one of many tools in my "arsenal." There's just no way a single Report could possibly answer every question and every need you may have... consider this an overview.
If it strikes a nerve... if you find you're in a position with your home that doesn't seem to be going anywhere, one you think I might possibly be able to help you solve, please contact me today.
If by chance we can't do business, that's O.K. But we honestly believe you'll be pleasantly surprised when you call...We specialize in solutions! By calling or filling out our "Tell Us About The Home You Have For Sale" form, you give us the chance to be your solution. We urge you to let us try.
Contact me by phone at (302) 521-1400 or email at email@example.com, or fill out our on-line form. You won't get some sales pitch. We'll answer any questions we can right away. And by the way, don't worry if you don't want anyone living in your home, we have a solution for that, too,
So what do we do now?
We know that this is a lot of information to digest at one time, but if you're still with us at this point, chances are you're interested in doing whatever it takes to GET YOUR HOME SOLD QUICKLY!
If you want an alternative to the stale, conventional ways of selling your home, pick up the phone and call us now or fill out the property information form! You have nothing to lose and everything to gain.
As we said before, if we can't do business, that's O.K. We buy lots of homes and we don't have to have this home. We get calls from tenant/buyers every day and we're always looking for homes for them. Homes just like yours.
Just remember that we don't want to list your home, we want to BUY it. We specialize in buying homes quickly. We urge you to let us try. You have nothing to lose.
Finally - We don't know how many months you've been trying to sell your home (or thinking about selling) but every month you wait is costing you unnecessary expenses...eating up the precious income you work so hard to earn. Your home is an asset...sell it as an asset. Don't let it become a liability, a burden, and the proverbial "monkey on your back". Even a Dream House can become a Financial Nightmare. There's a good chance that we can help...call us today!
Don't waste another minute. Call or e-mail us today. We may be able to solve your problem today so you can get on with your life tomorrow!