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Have a Customer with an Underwater Mortgage who Wants to Move Up? One solution I used has worked out to everyone’s satisfaction

Mortgages, ,

We all know how many mortgages are currently “under water” By “under water”, I mean than once the property is sold and selling expenses  and comissions paid, there is no money left over for a downpayment on the “next”home. The mortgage and property taxes are current; the property just has no equity.

Here is a solution I recently developed which worked out well for a client of mine. The client’s parents had excellent credit and had saved up some money. I caused them to purchase, in their names, the property which their daughter had identified as more suitable for her growing family. The daughter entered into a lease with her parents, with market rental rates. She has an option to buyer the bigger home from her parents at a formula price. There is a provision in the lease that every rental payment has a “rent-to-own” coefficient, so the daughter is building up equity in the home she now lives in every time she makes a monthly rental payment United States.

The “under water” residence is now being rented to third parties. Evenutally, when the real estate market comes back, the daughter can sell this home and come out whole. In the meantime, she is receiving income to defray her mortgage and tax expense, whicile she is paying Mom and Dad for the new, more spacious home.

Everybody wins as long as the numbers work out, which in this case, they do. I am not saying that this approach is the “be-all” or the “end-all”. It is, however, a creative solution which has given my clients’ parents a chance to help their daughter without a huge financial sacrifice. There are variations to this theme; perhaps, you can suggest some you have used.

We are not done with this “down” real estate market whatever some of you suggest. There are pockets of progress; there are pockets of stagnation. Creative thinking can many time save the day. We all need to practice it.

Do You Want To List REOs NOW?..(Here is EXACTLY How-To List REOs)

Uncategorized

Our firm. Topkins & Bevans, does a significant number of REO representations in Massachusetts.

This is a fantastic “how-to” list and I am going toptu it up on my firm;s blog Topkins & Bevans Blog commercial jumping castles.

Elliott Topkins

The feedback after last weeks Harris Real Estate University Superstar Interview has been amazing,……

We interviewed the President of Excellen, Cary Sternberg. Mr. Sternberg was very generous with not only his time but, his candor when answering the questions.

As you may know HREU has had a close working relationship with Titanium for years. 

(Excellen is a division of Titanium Solutions Inc.)

If you missed the live interivew…no worries…here is the link for you to listen to the replay.

Agents, know this…its NOT too late for you to become a REO listing agent. Asset managers are looking for listing agents now. Learn how to become a REO listing agent now..watch the FREE Agent REO Secret video and download the FREE Agent REO Secrets book NOW!

Here are a few of the notes that Julie and I wrote down from this interview….

Top 17 Ways to Keep Your Asset Managers Happy!

 

 

1      Practice Excellent Communication:  Call, email asset managers often. Be available during normal working hours. Market your homes using 1800HomeHotline.com

2      Have Timely Responses: Make it so the Asset Managers can easily reach you…not your voice mail…not your assistant..YOU!

3      Operate on both a personal and professional level:  Cary made a great point….’Treat every asset as if it were your OWN home”.

4      Do not delegate your asset manager relationships to any staff members. Asset Managers are your best sellers (remember, they will often list 10-20…50 homes with you. Treat them like GOLD.

5      YOU..the listing agent must know the asset. You must know all of your listings cold…know their condition…market competition…know the market!

6      Practice MMFI for every asset manager. ‘MMFI’  Make Me Feel Important. Make them FEEL like they are your only client.

7      KNOW your inventory. Cary made it clear that you must know the market. Don’t list outside of your service area.

8      Its OK to bring in a team member to help partner with you….but, introduce this person to the Asset Manager…let them know that this team member is their personal asset manager contact.

9      Be a Problem Solver, not a Problem delegator. Don’t tell the Asset Managers about the problem….bring them the solution.

10   Be innovative. When doing an occupancy check..ask the neighbors…walk around the house. Actually…make an effort! 11   TAKE ACTION

Learn how to become a REO listing agent now..watch the FREE Agent REO Secret video and download the FREE Agent REO Secrets book NOW!

12   Treat it as if it’s YOUR HOUSE. Don’t wait to be told what to do. Again, treat every asset as if it were your own personal property.

13   Get occupancy checks back in HOURS, not in DAYS. They track this….you will earn more assets the faster you report back to the Asset Manager about occupancy.

14   Maintain low Days on the Market. They track your DOM….Warning: you will lose the asset if you don’t sell it in 90-120 days.

15   List to sell price ration. BPO vs. actual SALE PRICE should be a close ratio.

16   What works needs to be done? Get it into Lend-able condition ASAP.

17   Do your Cash for Keys correctly.  Know the Tenant Protection Act.

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Home Ownership,

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Mortgages,

Are They Worth The Money?

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