I hope everyone has a happy Thanksgiving and holiday season.  RonOrr.com and MinnesotaInvestors.com, Inc. won’t be working today, but when we get right back to work most of you know that you can follow me through nearly a 100 social networks at www.RonOrr.com.  To make it more simple for everyone, it’s easiest to talk to me LIVE on facebook.  It’s easiest to get my “most updated” posts/training from my email opt-in list at this time, located at: www.RonOrr.com

These programs are for a limited time.

Here is what we have, please keep in mind you may email at anytime
and we can provide more information and follow up with you and if
you like what you hear than we can talk by phone later.
You can email me
ron@minnesotainvestors.com
or you can fill out your info at minnesotainvestors.com

The programs will all come down to two things:
Credit Score and the money you currently have

We have found ALL the money for you, and have a program for ALL credit scores.

If you have a foreclosure/short sale/bankruptcy from the last 2-3 years, or
If your CREDIT SCORE is 300-579:
First off we can help get your credit score to increase realistically:
30 points in 60 days and 50 points in 4-6 months
Anyone with a 530+ credit score should contact us immediately as you could probably buy a home soon.

Rent to Own Programs are available.  These are typically 12-36 month terms to live in the house and wait for a loan
and under 580 credit score should be ok. We’d prefer you have $5000-$7500 for money down as we have an agent
to help with the paperwork, and showing, negotiating and finding you houses. The agent does a lot of work and
gets paid by the seller.

Contract for Deed programs are available.  These are typically 24-60 month terms to live in the house until
you get a refinance loan at some point.  We’d prefer you have between $7500-$25,000 for money down as we have an agent
to help with the paperwork, and showing, negotiating and finding you houses. The agent does a lot of work and
gets paid by the seller.

Remember even if your credit score is under 580 like above all of the above programs are available to you RIGHT NOW.
If you have about a 530+ credit score within as little as 60-180+ days we may be able to get you a home with
proper credit repair work if you work with us.

if your CREDIT SCORE is 580-619
We have credit repair help for you also
and 1 loan program that is starting around 580+ credit score right now, so you may be able to buy a house.

if your CREDIT SCORE is 620+
You’ll be able to apply for a few different loan programs:
100% loan programs
96.5% FHA loan programs
VA loans

If you don’t have much money for a down payment and want to still get a home loan, we have money available
through the stimulus plan which is $8000 plus many different counties are providing down payment assistance:

Dakota County- Up to $15,000 + Tax Credits

Hennepin County- Up to $15,000 + Mpls City Grant Assistance + Subsidized Interest Rates

Ramsey County- Up to $20,000 + St Paul City Grant Assistance + Subsidized Interest Rates

Scott County- Up to $7,500

Plymouth-Up to $25,000-to be used for Down Payment,Closing Costs and Principle Reduction.
This is a Zero Percent, Deferred Loan.  Payment is due when the Property is sold or
ceases to be Owner Occupied. Loan Payment in full is due in 30 years. re broker

***Please note that the stimulus money is said to expire as soon as the end of November, also many of these
counties are running out of monies soon, so there is a very limited time left to get all of this money assistance.
If you contact us today, talk to us this week, view properties by email through the next week, and look at homes
in person as early as late next week, and put in an offer, with the idea you’ll often negotiate with the seller,
and you may even need to have offers in on a few different places, then you could be getting an accepted offer
in 2 1/2 to 3 weeks from now if you are really moving fast. If you consider that the loan process can take 3-5 weeks
part of that process overlaps in timelines, but that means you would have to contact us right away in order to take
advantage of this down payment money before it runs out, especially the $8000 stimulus which ends in November, as reported
on the radio, so that means you would contact us now and start seeing homes within a week, there is a sense of urgency
only if you want to use county and government money, otherwise if you wait another week or more, you may need to use
your own $5000-$20,000 hard earned money, and in this economy I know that can take years to save, so I am just looking out
for you and trying to get you to take advantage of this limited time availability of monies, so you can save your money
for a rainy day emergency fund.

Let’s go over the most popular loan programs right now:

Fannie Mae HOMEPATH Loan
- Minimum 660 minimum middle FICO score required
- Appraisals are NOT required
- Great for first time homeowners AND Investors
- 97% LTV Primary Residence - 90% LTV Investor
- No monthly Mortgage Insurance payments
- Owner Occupied AND Investment Property
- Down payment can be 100% gifted
- Property must be listed for sale with the Fannie Mae HOMEPATH program
- NO declining market restrictions

Federal Housing Administration Loans - OK to 580 scores
- Minimum 580 minimum middle FICO score required
- Great for first time homeowners
- 30 Year Fixed Rates Only
- Low, government sponsored, monthly Mortgage Insurance payments
- Owner Occupied Only
- 12 months verified rent history required
- Down payment MUST come from borrowers own funds
- Gifts allowed for all closing costs
- Compensating factors required for 580 scores
- NO declining market restrictions

Federal Housing Administration Loans - 100% Gifts Allowed for Down Payment
- Minimum 620 FICO score required
- Great for first time homeowners
- 3.5% Down Payment can be a gift from relatives, employer, city grant
- VERY LOW 30 Year Fixed Rates
- Low, government sponsored, monthly Mortgage Insurance payments
- 1 Day out of Chapter 13 OK with re-establish credit (2 years with Chapter 7)
- Owner Occupied 1-4 unit only
- NO declining market restrictions

USDA Loans - 100% No Money Down for Qualified Properties
- Minimum 620 FICO Score - buyer(s) must have “reasonable” credit history
- Great for low to moderate income and first time homeowners
- Household Area Median Income Limits Apply
- LOW 30 Year Fixed Rates
- No monthly Mortgage Insurance payments
- Owner Occupied Only
- Property must be located in a USDA defined market

Veterans Administration Loans - 100% No Money Down for Active and Veteran Military
- Minimum 620 FICO score required - buyer must demonstrate ability to pay
- True No Money Down Financing for qualified buyers
- Low 30 Year Fixed Rates
- NO Monthly Mortgage Insurance payments
- No Income Limitations
- Loan Amounts from $75,000 to over $417,000
- Owner Occupied Only
- No declining market restrictions

Conventional Loans (Fannie Mae and Freddie Mac) - 100% Gifts Allowed for Down Payment
- Minimum 680 FICO Required
- Great for the established buyer looking to leverage through financing
- 3% Down Payment can be a gift from relatives, employer or city grant
- LOW 30 Year Fixed Rates
- Median income limits apply (only income from borrower on loan used to qualify)
- Loan amounts up to $417,000
- Owner Occupied Only
- Monthly Mortgage Insurance payments required
- Declining market restrictions apply

real estate broker
You can email me
ron@minnesotainvestors.com
or you can fill out your info at minnesotainvestors.com

If you know anyone that has a house situation, needs to buy, sell, down payment assistance, owes to much, ARM coming due, was thinking of a loan modification, any housing situation, please have them contact me. This is the latest ad.

I am listening to The Dale Carnegie Leadership Mastery Course: How To Challenge Yourself and Others To Greatness by Dale Carnegie Audio CD- Sep 1, 2001) Abridged.   This can be purchased on amazon for a little under $25 at the current time of this writing.    They want to teach you to be a leader in flexible, adaptable, trustworthy, tough and decisive.  Other ideas like gain respect of others.  Get family, friends and co-workers to do stuff because they want to.   Respect effectively under pressure and in a crisis.  Think clearly with little anxiety.  Accomplish twice as much by motivating others.   Make powerful decisions that you can follow through on with Carnegies action plan.  This is approximately 6 hours running time, and 6 CD’s.

This is from amazon.com

“About the Author
Perhaps more than any other person who ever lived, Dale Carnegie changed the human relations movement. His world-famous course has influenced millions of people. Looking back on his life, Carnegie saw that worry and fear were the forces that held him back. Conquering worry and fear gave him a new hold on life. He developed the Dale Carnegie Course as a forum for overcoming worry and fear and developing human relations and leadership skills.”

Publisher: Nightingale-Conant

There is a lot of talk about working with people and being able to motivate them.   They make it very clear that a threatening tough, dictator type of leader is no longer effective in this new world we are in.  They talk about being humble, and not showing anger.  There is a lot of emphasis on great communication.   Success is a journey rather than destination.  There are stories of how to apply these principles and ideas in real life.  It speaks of the experience of Dale Carnegie and what he has learned that he can now teach you.

www.RonOrr.com

My friend Mario on facebook is working with some local Minnesota people on his company, with entrepeneurs, cool concept…

“Millionaire Makers Inc.” (MMinc) is a team of entrepreneurs that believe in leading through education, support, and by example. MMinc is a group of independent business owners that use Net-Worth’s business plan as a foundation to provide opportunity to people across the United States, of all ages and backgrounds, looking for a change in their lives.  The underlying reason that the majority of the US population has financial struggles is due to the education they receive from their school systems and families. A proven system of Education backed by a plan and a support system, gives individuals the tools needed for personal and financial success.  The team was founded by Mario Dattilo, a successful, young entrepreneur in Minneapolis Minnesota. After being a business owner for many years (starting at an early age) he has worked with countless people to reach goals they never realized they could accomplish. With a very down-to-earth and humble training style He credits God, His mentor/well known business owner Paul Jones (President & CEO of JMG Net-Worth), and the team of other success-minded individuals that have partnered for the cause.

MMinc. is a professionally managed organization structured by over 8 years of industry experience and comprised of top-notch individuals that are handpicked for the team. Working with professionals that have the motivation and the willingness to be coached creates high performance and a strong synergy within the team. MMinc. takes its work seriously while holding a family type atmosphere making it enjoyable to build a business. While many people are looking for jobs, some are considering starting a business of their own. According to a recent article in USA Today (click here to read article) , our current economy is very conducive for entrepreneurs ready to take the next step. Although starting any business comes with a level of risk, MMinc.’s business structure (network marketing) has minimal costs for startup and high income potential compared to traditional businesses. Robert Kiyosaki (best selling business author) describes network marketing as “the perfect business” for the average person because of the low risk, high returns, and relatively short amount of time it takes to profit (click here to watch video clip). Other well known business owners, like Donald Trump and Warren Buffett, agree with Robert Kiyosaki and have even had ownership in network marketing companies. Our business structure is a combination of leveraged income and residual income. Leverage is the ability to be paid from a system that you put in place one time that runs whether you are present or not. Leverage creates income but more importantly the ability to free up your time to do the things you really want to do. Residual income is simply reoccurring income that you earn from the effort you put in one time. When you combine these two forms of income you are putting a system in place that works for you and pays you monthly for what work you and your organization did one time. Neither form of income is new or any kind of secret but most employed and self-employed individuals fail to learn the significance of these and therefore fail to live an above average lifestyle. MMinc. business owners independently market services for JMG Net-Worth (licensed in 50 states and member of the Better Business Bureau). Each service helps people live a balanced and stable lifestyle. Each provide solutions for our clients finances, physical health, mentality, spirituality, and social life. For example we market an online mall that allows consumers to receive cash back (cash rebates) every time they make a purchase online with over 755 companies (ex: Target,Itunes,bestbuy,Macys,Stubhub,etc.). The cash is stored within their online mall and is able to be spent with any other company within the mall. The shopper can choose to have the cash moved to a visa pre-paid card which is mailed to them. This gives them the ability to use the money anywhere visa is excepted. This service is free for the customer and brings significant value to their day to day spending habits. All services have free customer support and are able to be accessed online to provide convenience. MMinc. business owners provide a marketing avenue, direct to consumers, instead of using traditional advertising. Although traditional advertising is still commonly used, it’s expensive and difficult to estimate results. If no customers result from the advertising campaign then it is a loss. Our marketing strategy is the opposite. We bring the customer to the company’s services and then are paid for the results. A much more effective and cost efficient way to gather loyal customers. Our business system has been simplified to make it possible for new business owners to learn quickly and to start earning an income immediately. There are two parts to our system. The most important is putting together a marketing team of other business owners. This creates the leverage in your system. The second is bringing customers to the services (1 time) that people need and that add value to their lives. You are paid residual commissions from the customers you gather along with the customers gathered by your marketing team. Your partners will also have the ability to build their team which you will be paid residually for as well (7 levels). The result is being paid from thousands of customers paying for services monthly, while retaining your time freedom to do the things you want to. Although our system is simple and able to be duplicated quickly, it takes time and minimal monetary investment. Our superior training and coaching is proven to support the individual that is serious about their future.
Submit your info here: http://www.minnesotainvestors.com/jmg/  or contact me and I’ll put you in touch with Mario.