HTML clipboardMy name is Ron Orr, (RonOrr.com) I have helped people in all areas of real estate since 2002.
Real Estate Broker with MinnesotaInvestors.com, Inc.  Here is a list of what I markte for below:
I’ve created a friendship/business relationship with many people over the years, all specializing in different areas of real estate.
I do the marketing to help find a good win-win fit for each affiliate and each referral I get.
You can contact me in the following ways.
ron@minnesotainvestors.com
http://www.ronorr.com
763-634-1766

Here are the housing situations I can help you with:

For those moving into a place:
1. Renters that want a $1000/month+ rental, if you will work exclusively with our agent, please contact me
2. Anyone that wants to rent to own a property, rent with the option to buy 12-36 months later, please contact me
3. Anyone that wants to buy on a contract for deed, should have a decent down payment,  please contact me
4. Anyone that wants a home loan starting at a 580+ credit score, please contact me
5. Anyone with 300-750 credit score should contact me to improve your credit score
6. Anyone that wants a home loan, but needs help with down payment assistance or grants, please contact me
*If you want to buy on a c/d, but first want an investor to buy with  financing, you may need 10-15% down minimum on a c/d
*If you are already working under contract with a buyer’s real estate agent, it may be a conflict of interest.

I find that the overall goal is for people to want a home loan, but often they find that they have under a 580+ credit score,
so they are forced to go with a contact for deed, rent to own, or rental, which is fine.  You can call me no matter which situation
you are in.  Let me highly suggest to you to email, call me, or sign up to http://www.ronorr.com , earlier on, so that I can have 30-90 days to get you a credit score boost. Soon you’ll have a good credit score in order to get that home loan.
If you can’t get up to that 580+ credit score, you will then need a contract for deed, rent to own, or rental, which require even more money down, so a home loan is best right now for the low interest rate and the low down payment vs. the other concepts.

Why is your credit score so important?  Let’s go over that right now:
You can review your credit report free at: http://www.freecreditreport.com
First let’s go over just some of the many items that will be removed from your credit report:
Collections
Foreclosures
Inquiries
Charge-Offs
Late Payments
Public Records
Tax Liens
Bankruptcies
Judgments
Repossessions

Second, let’s go over real-life scenarios where a better credit score will help benefit you in life.
Call, text, email, or sign up to http://www.ronorr.com today, the costs upfront are pretty small compared to how much it will save you.  A higher credit score can help you out with numerous things in life, here are just a few major ones that will effect you daily:

-You may now be able to qualify for a home loan and buy that home you’ve always wanted
-Even if you plan on getting a home loan, a higher credit score offers you more choices and possibly a lower rate
-You can qualify to get credit cards
-Many of the credit cards you qualify for will likely offer lower interest rates
-You may save money on your Auto Insurance, as it’s often tied into credit rating
-Better interest rates, and cheaper payments helps you to have better and more affordable options
-You may be able to get a auto loan and make small payments instead of a life of expensive car repairs
-You may be able to open up bank accounts you couldn’t before
-You may be able to open up investment accounts that you couldn’t before
-Many employers check credit, this may help you get a job or a better one
-You may not be forced to have high interest rate department store credit cards
-You may be able to get a credit line increase
-You may be able to get a home equity line of credit
-It may help you to get a cell phone service instead of month to month, or pre-pay minutes
-It may help you to get cable TV or direct TV, without a huge deposit
-You may be able to get a new electric company service without a huge deposit
-You may be able to get a college loan so that you can get a career that you like, eventually making more money
-Us negotiating your credit card payoffs may save you thousands of dollars
-We can use advanced techniques to save you from wage garnishment
-We can help the banks from calling, we can help from non stop collections
-We can help negotiate lower high interest rates
-We can help eliminate some late fees
-We can help with penalties
-We can help avoid or minimize the impact of liens
-We can help avoid bank levies
-We can help avoid or minimize the impact of judgments
-We can help delay your foreclosure, so that you can get back on your feet

Now let’s go over Homeowners:

Let’s put homeowners into two categories:
A: Those that want to sell their house  B: Those that want to keep their house longer

For the sellers:
Lease out your property to a renter
Lease option out your property to a rent to own person
Sell on a contract for deed with owner financing to a c/d buyer
Sell to someone with a home loan and cash out, you need to list your house and you have equity
Sell to someone with a home loan and cash out, but you owe too much, sell on a short sale
Sell your deed to our affiliate ASAP, even if you are near the end of foreclosure, he’ll pay you for your deed, taking over your payments right away
*If you are already working under contract with a real estate agent, it may be a conflict of interest.

For those that want to keep their house longer:
For those that aren’t behind or are behind on payments that are before the sheriff sale, ask about a loan modification
For those that are not yet in foreclosure, we have a company that will buy your house from your lender within 120 days, keeping you in your house
For those behind in payments, that need more time in the foreclosure process, we have paperwork to file extending the foreclosure timeline 6-12+ mos.
For those that owe too much on their house, short sale is a great way to sell and stay in the house for awhile longer
*If you are already working under contract with a real estate agent, it may be a conflict of interest.

Don’t give the house back to the bank, don’t do a deed-in-lieu of foreclosure, don’t give up on an adjusting rate, don’t give up! There are many other options.  Please note, all scenarios above will work no matter what situation a home owner is in, behind in payments, selling, not selling, etc.

In all of the above options, we’ll look to have you work with one of our expert professionals, agents, or negotiators to complete the above task. We receive hundreds and hundreds and hundreds of leads of the above and we look forward helping everyone with their unique situation.  It really helps if you just discuss your situation, and what services you need help with, so the right affiliate can help you out.

Please go to http://www.ronorr.com
ron@minnesotainvestors.com
763-634-1766

For home loans please read details:
Chapter 13 BANKRUPTCY:
There must be 12 consecutive months of on time payments on all accounts
(including utilities, cell phones,etc) from the filing of the chapter 13 bankruptcy.

For other Loan programs please see:
Down Payment Assistance Now Available
(Available for a limited time until the money runs out)
-Ramsey County Down Payment
-Down Payment Assistance Crystal
-Brooklyn Center Grant Programs
-Anoka County Down Payment
-55411 Zip Code Neighborhood Program
-MN Grant Assistance Programs
-Home Help Guidelines
-Grant Programs (Over 30+)

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