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FILL
A VACANCY
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Ask me
about my other vacancies |
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Yes,
I am interested in your tenant find program (1 month fee)
Tenant Find:
(Recommended)
One of our associates will do a brief phone consultation, Arrange
Appointment to see the property(s) to do a on site rental analysis,
Market and Advertise your Vacancy(s) on 17 to 81 different websites.
We will arrange, schedule and do all showings, process 100
point background check, prepare and do all lease documents associated
with each property. Also comes with Free 60 Day warranty on tenant. If I
come across some renter leads myself, I should give them to you and
you'll still do all the showings and all the work.
FEE: (1) MONTHS RENT. |
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Yes,
I am interested in your property management service
Full Service Property Management: (Recommended)
Collection of Rent, Coordinate Maintenance Requests, Pay Bills, Annual
& quarterly Inspections of the property, Facilitate Evictions,
Enforce Lease, End of Lease Turn Over, Provide Monthly Statements,
Process CRP's for IRS, and much more.
FEE: ($100/m Flat Fee) -up to- (10% of Collected
Monthly Rent) " Rate Varies with every Property, Also Ask about our
Ala-Carte services!
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Yes,
I am interested in your 1 year tenant warranty program
Tenant Warranty Program: (Recommended)
If we place a tenant in your property and for any reason they are
problematic or in need of eviction, whether this may be late payments,
no payments, noise complaints, etc. We will pay for the eviction, go to
court on your behalf to have them evicted, and find you a new tenant at
no additional cost. Free for 60 days with every Tenant Find, 1 year
program available for additional fee. We are the only company confident
enough in the caliber of tenants we place that we will WARRANTY everyone
of our tenants!
FEE: ($299.99 For 1 Yr.)
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Yes,
I am interested in the 1/2 month fee tenant find program
Tenant Find 1/2 Price: (Not
as Recommended)
One of our associates will do a brief phone consultation, Arrange
Appointment to see the property(s) to do a on site rental analysis,
Market and Advertise your Vacancy(s) on 17 to 81 different websites at
our expense. We will arrange, schedule and YOU SHOW the property(s),
take your own photos, we'll process 100 point background check, prepare
and do all lease documents associated with each property.
FEE: (1/2) MONTHS RENT.
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LIST/SELL
ON THE MLS |
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Ask me
about my other properties to sell |
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Yes,
I would like to sell my home on the MLS with an agent.
The full listing service which will include the following:
-Agent puts listing on Realtor® MLS
-Agent gives ideas on home staging
-Agent gives tips on how to get in show condition
-Agent will discuss today's market value (CMA)
-Agent will help with the purchase agreement
-Agent will help with the negotiations
-Agent will help with ?'s from buyer's agents
-Agent will help to get a sign in the front yard
-Agent will help to post street signs
-Agent will help to put out ads for marketing
-Agent will help with in-house marketing and flyers
-Agent will help with seller disclosures and paperwork
-Agent will help with understanding buyer's inspections
-Agent will help with understanding buyer's appraisals
-Agent will help with updates from the loan officer
-Agent will help with the closing process
-Agent will help on the closing day, reviewing closing paperwork
-Agent will help get photos taken and on the MLS
-Agent will help with measurements, data, add to MLS
-Agent will help get a lockbox on my door
-Agent will help with communication by email and phone
I
would like to list the house on the MLS ASAP
I
would like to list the house within the next 30 days
I
would like to talk by phone or meet before I decide
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Yes,
I want to sell on a CONTRACT FOR DEED:
If you decide to sell on a contract for
deed, we would have an agent work with you under contract exclusively.
Some advantages of selling on a Contract for Deed, you have are that you have a much more open market
of available buyers, not every buyer can get financing in today's market. You will
want to give them 12-36 months time typically to let them increase their credit score
so they can get financing. It's up to you on the down payment amount, but 5-10%
down is standard. In cases where they quit making payments, It would take
a minimum of 60 days to get the buyer out of
the property after the notice of default, so it's a little longer than a
renter eviction situation. Also the contract for deed buyer would be
considered the new equitable owner, and would be paying the taxes and
insurance and would be receiving all of the tax breaks and depreciation
on the property. You will also most likely find a buyer for a
contract for deed much faster than if you are looking to sell to a buyer
who is getting financing. If you sell on a contract for deed, you
hold the deed to the property, and the loan will still remain in your
name. When you get your loan on your next property, you will need
to notify your loan officer that your home has a contract on it, and the
payment is covered. This will be important to help your debt to income
ratio when qualifying for your next home. I would still recommend that
your house be listed on the MLS and work with an agent full service, if
you are going to sell on a contract for deed. |
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REFINANCE
YOUR PROPERTY |
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Yes,
I would like to Refinance my property
I would like to refinance for a lower monthly payment
I would like to refinance for a lower interest rate
I
am looking to pull out cash on my refinance
I've
been 30 days late on a mortgage payment/ last 12 mo
I
would be interested in paying for credit repair services
I
have had a bankruptcy in the last 12 months
I
have had a foreclosure in the past 36 months
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If
your house is behind in payments, or about to be behind, and you owe too
much on the house to sell for what's owing. We would negotiate
with your lender to get them to take less than what's owing (short
sale). Please contact us today so we can get started on selling your
house on a short sale. It's going to be much better for your
credit if you sell the house on a short sale rather then just giving the
property back to the bank and losing it in foreclosure. |
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Questions about
credit..
Todd Rooker who is the owner of Armor Financial Services
Credit and Debt Specialists. Any questions regarding tax, bankruptcy, credit and financial
planning, foreclosures, how it affects your future purchases, how to
improve your credit score, etc.
Todd Rooker is excellent when it comes to understanding how all these situations relates to short sales.
Todd will then refer you to a CPA or Bankruptcy attorney if needed. Todd’s
phone number is 763-383-0959.
Tell him Ron Orr told you to call him. |
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Questions about taxes...
MN
Foreclosure tax questions |
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Questions about
foreclosure process...
MN
Foreclosure Process Example |
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Questions on how to find
another place to live now...
Generally speaking, most foreclosure process, include 3+ payments
behind before you get a NOD-Notice of default. At this point you
have to come up with the full amount to reinstate the loan. Soon
after in most cases the banks will file a foreclosure proceeding, and
will advertise your property in the legal newspapers for 6 weeks
advertising a sheriff sale. Their is a 6 month redemption after
the sheriff sale, in most cases, their are situations where 1/3 of the
principle balance is paid off or you have 10+ acres where the lenders
would give 12 month redemption. The choice is yours, if you feel
it's in your best financial interest to save up a down payment from the
foreclosure process and redemption period. We won't advise either
way. We would encourage meeting with an attorney, CPA, and/or
financing planner. If you did decide to save up the money along the
way, What we will say is we have some nice new construction
available for as little as 5-6% down payment. Our lenders are telling us
that some buyers can finance a house in as little as 2 years after
foreclosure. Please keep in mind this is a short sale, and that's
not the same as a foreclosure. |
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What are the next steps...
1.
First you have to want to sell on a short sale, and help provide us with
your info.
After you submit this form, we'll email a lot of paperwork for you to
review and sign.
2. We will need information about your loan and financial situation
3. Your information and signatures will be provided to our agent
4. The negotiator will submit your info and paperwork into your lender
5. The negotiator will work on negotiating with your lender
6. The property will get listed on the MLS for sale
7. We will try to find agents that have buyers
8. We should eventually get an offer from a buyer for less than what's
owing
9. We would set up a closing date
10. We would close the property
Again, It will be important that you put an effort to get us your paperwork in a timely manner. |
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