I own a handful of domain names, but these are the main websites that I promote these days, covering the major categories.  The sites ranging from renting, rent to own, contract for deed, home loans, investors, short sales, selling, and my own site www.ronorr.com, most will direct you towards my main site as we hope to get you a lot of the info related to real estate by my email follow ups.

Renting, rent to own and contract for deed work best when you can’t get a home loan, and they often require some money down, with the idea that you may rent to own or c/d for 2-3 years while you are working on your credit.  With a rent to own you often will try to purchase 2-3 years later.  With a contract for deed you may put more down, and simply refinance after 12-24 months of on-time payments.   We are also happy to help homeowners who are behind on payments or are about to be behind on payments.  Loan mods, short-refi’s, short sales, foreclosure extensions, there are many options.

BankOwnedForeclosure.com
Contract4Deed.com
HomeLoansMN.com
MinnesotaInvestors.com
OverFinanced.com
RenterLeads.com
RentToOwnBuyers.com
RonOrr.com
SellMnHouse.com

In 2010…

Most people’s budgets are tight.
Many people fear losing a job.
Many people are unemployed.

Many people are helping friends/family who are unemployed, or underemployed.

#1 priority is to keep your money whenever possible, right?

The main 3 options currently ask for your money:

Renting a property requires 1st months rent + deposit or double deposit

Rent to Own, requires option money of $3000-$7000 + 1st months rent

Contract for Deed requires 5-10% down payment often, sometimes $6000-$7000 is
enough.

These all require money out-of-pocket today.  People prefer not to part with money If you want help with any of the above, please contact me. There is one solution to saving your money, and that’s getting a home loan. With low home prices, and low interest rates, often buying comes with a cheaper house payment that renting these days.  There are numerous down payment and grant programs out there to handle your down payment when you get a home loan.

Home loans start at 580+ credit score. Most will have below a 580 score, so
please go to http://www.ronorr.com to figure
out how to raise your score and contact us

on how to get working with a credit repair specialist right away, so we can get
you a home loan and save you money.
http://www.ronorr.com

broker-MinnesotaInvestors.com, Inc.

2010 presents everyone with some unique housing
situations, which housing option(s) below describes you:

A: Looking for housing
B: Staying in your house
C: Leave your house

A: Looking for Housing

1. Looking to Rent-Monthly
rent? bedrooms? move-in date? cities? housing type? pets?

2. Looking for a Rent to Own--Monthly
rent? bedrooms? move-in date? cities? Money Available?

3. Looking for a Contract for Deed--Money
available? monthly payment? bedrooms?  ities?

4. Looking for a Home Loan-580+
credit score? money available? any Foreclosures? any bankruptcies?

5. Credit Repair Help-Start
as a 1st step, collections? lates? judgments? liens? errors? ,etc.

*Sellers pay for
buyer’s agent commissions in almost all scenarios

*Frequent communication with a buyer’s agent is very important

B: Want to stay in your house

1. Do a Short-Refi-Before
foreclosure? A short-refi with a new lender, close within 120 days at new market
value, minimal fees

2. Do a Loan Modification-Modify
the terms of your current loan with your lender, no mortgage reduction

3. Do a Foreclosure Extension-Buy
more time, delay your foreclosure by 6-12+ months, affordable monthly payment

*These options
are ideal for those that are over-financed, and/or behind on payments

C: Leave your house

1.Rent out your property-Only
if you aren’t in foreclosure, and you aren’t selling, fee is 1 months rent

2.Lease Option your property-If
you want to get some option money and a possible future owner

3.Sell on a Contract for Deed-If
you want to get an owner type and a down payment

4.Sell your House Deed-If
you can’t sell with equity, sell your deed as an option, get paid cash for your
deed

5.Sell your house-We
can have your house listed on the market, the MLS, and help to sell it, listing
fees competitive

6.Sell on a Short Sale-for
those with little equity, short sale itself doesn’t require upfront money, city
inspection, assoc dues apply

7.Property Management-For
those that don’t want to manage their property monthly

*Due to the amount of
clients that contact us, we can only help those that are willing to sign an
exclusive contract

You may use many services at
one time.

For example, while in foreclosure

A: You may seek a foreclosure extension

B. You may seek a short sale

C. You may seek credit repair

D. You may want to purchase your next house on a contract for Deed

ron@minnesotainvestors.com

http://www.ronorr.com

763-634-1766

Who I am:

My name is Ron Orr, (RonOrr.com) I have helped people in all areas of
real estate since 2002.

I am a Real Estate Broker with MinnesotaInvestors.com, Inc.   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. We generally work in the 8
county area.
Items you’ll want removed off of your credit:

Collections

Foreclosures

Inquiries

Charge-Offs

Late Payments

Public Records

Tax Liens

Bankruptcies

Judgments

Repossessions

How your good credit score will help you out in daily life:

-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

Available Programs:

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+)

Other Loan Programs:

FHA

FHA 203K (For rehabbers)

VA

Conventional

HomePath (Owner Occupied and Investment)

Manufactured and Modular Homes

MN Housing; MMP, CASA, HOMEHELP

Rural Development

Recent Bankruptcy or Foreclosure:

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.

Chapter 7 BANKRUPTCY:

There must be 24 months of perfect credit from the disposition of a Chapter 7 bankruptcy.

FORECLOSURE:

EXTENUATING CIRCUMSTANCES

FINANCING 1 YEAR OUT OF FORECLOSURE

The FHA Underwriters have the ability to manually underwrite the file and get an

“exception” if there are extenuating circumstances (ie Medical, Death, multiple job loss).

Buyers would need to write out a very detailed explanation of exactly what happened,

and will need to submit supporting docs (legal, medical, etc). Each File will be reviewed

by UnderWriting to determine if the circumstances warrant “Extenuating”.

If so, they will grant Pre-Approval.

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

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.

Chapter 7 BANKRUPTCY:
There must be 24 months of perfect credit from the disposition of a Chapter 7 bankruptcy.

FORECLOSURE:
EXTENUATING CIRCUMSTANCES
FINANCING 1 YEAR OUT OF FORECLOSURE
The FHA Underwriters have the ability to manually underwrite the file and get an
“exception” if there are extenuating circumstances (ie Medical, Death, multiple job loss).
Buyers would need to write out a very detailed explanation of exactly what happened,
and will need to submit supporting docs (legal, medical, etc). Each File will be reviewed
by UnderWriting to determine if the circumstances warrant “Extenuating”.
If so, they will grant Pre-Approval.

Prefer to work with those that will sign a buyer’s rep agreement.
Also looking to work with those that are NOT working with an agent already.
We don’t have investors to buy the house so that we can sell back to you on a c/d

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+)

Other Loan Programs:
FHA
FHA 203K (For rehabbers)
VA
Conventional
HomePath (Owner Occupied and Investment)
Manufactured and Modular Homes
MN Housing; MMP, CASA, HOMEHELP

$8000 stimulus money, ends April 30th, 2010
2009 FIRST TIME HOME BUYER TAX CREDIT

http://www.RonOrr.com
Phone: (763) 634-1766
Real Estate Broker
MinnesotaInvestors.com, Inc.

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