REO Financing Is Available

Financing is available to get borrowers into bank-owned properties. Even though there is not the wide variety of mortgage products that were around a few years ago, prospective home-buyers can get loans thru FHA, VA and of course, conventioanl means.

Yes, if you are an independent contractor and cannot show a W-2 that you get from your employer, it's much more difficult to find somebody to finance you, but it can be done.

If you have the right person helping you and have steady income, pay your bills in a timely manner, and if your debt ratio is reasonable, you can get a loan to buy a house. The areas that present more of a challenge are the higher priced areas where VA and FHA financing is topped out. This would at the $700,000 level and higher. Jumbo loans are still difficult to locate. But the other markets are still very active.

Opportunities at the local level still exist to buy homes. Rehab loans enable borrowers to take a home that needs work and do their own repairs. FHA 203(k) loans permit a buyer to purchase a house and establish an escrow with the money they need to fix it up the way they want. This is very exciting because you can get a great deal, have a house that is nice and it's fixed up the way you want it, financed, all in one package.

Many are waiting for the foreclosure pipeline to open during the second and third quarters of 2010. Some areas in the United States still need to see further value decline before foreclosures go through the pipeline and the overall housing market picks up, putting more REO properties back on the market.

At that point, prices for properties all over the nation will get back in the situation where they are increasing, not at the levels created in the bubble, but at traditional levels where you have a 2%, 3% and 4% appreciation per year.

One positive thing that has come out of the real estate market crash is that prices have come back down to where people who could not afford to buy three years ago can now afford to purchase a home.

They are now looking at an affordable price range for the type and size of house they need. These people are still interested in buying and want to buy.

Today, there are houses that have lost 50% or more in value and the industry has never before seen such dramatic percentage drops.

Another plus for home buyers is that interest rates continue to remain low, nothing like back in the early 1980's where they were as high as 19%. For most, it was very difficult back then to sell a home (unless they used seller financing which was plentiful) because the rates were so high and nobody could afford financing. Many products that we are familiar with today, originated back then because no one could afford to get a 19% fixed-rate loan.

The mortgage industry changes every year and no matter how long you have been in it, there are things that are new and quite exciting, especially the technology. More and more people are shopping for their homes on the internet.

It may take 5, 10, 15 years or even longer for the prices to rebound to reasonable market levels and now is the perfect time for consumers to begin looking.

For those looking for a good home loan, they should educate themselves to work with an agent and understand what the market is so they can get a good buy on a property and not waste their time throwing out rediculous low-ball offers that end up not getting accepted while somebody else scoops up the home they wanted by somebody who came in with a more reasonable offer.

Larry Potter is president of KIM-LAR INC and help provid loans for residential and/or commercial projects nationwide.

He also helps Monetize Mines, Bonds, Gems, Metals, Corp Notes, Bank Guarantees, Movies, etc.

Contact Larry at:

Lgpotter33@gmail.com

Close in 20 days???

We are looking to lend money, plain & simple.

So What! You Say!

You sell real estate to make money! Closings equal income!

We Close Loans!

We Have A Loan Closing Success Rate Of 98%

We will get back to you within 2 hours of initial contact

Most closings in 20 days

Competitive rates and closing costs*

Greater success closing loans for clients with past bankruptcy and foreclosures

No hidden fees policy

Willingness to analyze and if necessary, work with client’s to repair their credit scores

If you are a realtor we need your contact information and the following information about your client

Your Name:
Email:
Phone:


Client's Info:

1. Name
2. Address
3. Date of Birth
4. Social Security Number
5. Phone Number


We are serious about our business and yours.
Your information is held in strict confidence.
We are compliant with all F.A.C.T.A and Gramm-Leach-Bliley Act requirements.

Contact Larry Potter at lpotter33@gmail.com
Skype: lpotter33

*We are in all states except Wisconsin, Illinois, Pennsylvania, New Jersey, and Georgia

Listed below are our most popular programs that are available to help you meet your mortgage needs. We also have other programs. We anticpate working with you to understand your needs and work with you to identify the right program for you.

VA StreamlineExisting VA Homeowners - Reduce your interest rate without the hassle. Close in 8 days.

NO - Appraisal
NO - Credit Check
NO - Credit Underwriting
NO - Qualifying Debt Ratios
NO - Income Verification
NO - Face to Face Application

All we do is confirm that you have been current on your mortgage payment for the past 12 months.


Conventional Fixed RateOur conventional fixed-rate programs allows for predictable payments over the life of the loan. With this stability, you have longer term options which provide lower payments or shorter term options which provide the fastest equity accumulation (i.e., own your home sooner while saving significantly on interest payments).

Conventional ARMWith our Adjustable Rate Mortgages (ARM) your loan rate is typically lower than fixed rate programs. ARMs can be less expensive over a long period than a fixed rate mortgage. Generally, if interest rates remain steady, you will to benefit from the lower initial rate and if rates drop, your monthly payments will decrease without refinancing.

FHA Fixed RateFHA Fixed Rate programs are ideal for those desiring to provide a lesser down payment than required by conventional programs or may have credit challenges. At the same time, these programs provide the security found in convential fixed rate programs.

FHA ARMFHA ARM programs are intended for those who wish to put down a lesser down payment than typically required by conventional programs or have greater credit challenges. These programs, of course, provide the "unstability" of an ARM but typically, the over all lower interest rate.

VA FixedVA financing is designed to benefit veterans of the armed services, those currently in active duty or the reserves, and their spouses. In order to qualify for a VA loan veterans must be eligible as defined by the Department of Veterans Affairs. Veterans can qualify to put zero down on most loans.

VA Home Loan Fixed Rate programs are the easiest way to purchase a home. Borrower know from the start what the monthly payment on their VA Home Loan will be for the next 15 to 30 years, depending on the life of the mortgage.

VA ARMThe VA ARM program is designed to help our those who have served our country in the armed forces become home owners. The Veteran's Administration (VA) ARM program was established to assist veterans with mortgage loans at better interest rates and favorable loan and down payment terms. As with other ARM programs, interest rates on VA ARM loans vary.

*We are in all states except Wisconsin, Illinois, Pennsylvania, New Jersey, and Georgia

Contact Larry Potter at lpotter33@gmail.com
Skype: lpotter33

Should Making Money Online Be Easy?

I hear stories of budding Internet entrepreneurs jumping through hoops
to make a buck. And sure, many times building a solid, long term business
does take real effort. But you can also quietly pocket some decent dough
online for much less work.

In this case, you can copy the exact steps I used to make almost $30,000
in 3 months. No, that's not a misprint.

What's stopping you from doing the same? The program is called Home Seller Assist
and was created by John Alexander.

Learn more by attending the live webcast each Tues and Wed evening at 7pm-
Central at http://www.fastbuyerloans.com

Just register at the botton now and be prepared to make some money....

Larry Potter
847-872-4047

What Are People Buying When They Buy Business Opportunities?

People buy things and join opportunities because they
expect to gain something more valuable to them than
the money they spend to get it.

They're expecting some HUGE benefit. That's WHY
they care. The good news is, YOU control whether
or not they're the right prospects.

How? You do it by targeting your advertising to reach
ONLY the prospects who are likely to have a strong need
or desire for the "benefits" you provide.

Begin by identifying the usual frustrations associated
with your kind of service or business opportunity.

Do you know what they are?

If you're promoting a direct sales or network marketing
business for instance, identify with their pain of not
having enough money or time, or not having the right
knowledge of how to build a large list quickly and target
marketing with high conversion.

Maybe they want a way to be able to stay at home with
the kids, and not have to slave away for someone else
the rest of their life. Through your written words,
you're going to want to share with them you knowledge
and experience (regardless of you level of success).

When it comes to websites and the internet, when you
strip away all the technology, the glitz, and all the
html coding, what's left? Yeah, that's right, a REAL
person.

The common misconception out there is that if you
build it, they will come. The truth is, people don't
buy from websites, emails, products, companies,
compensation plans or classified ads... they buy
from people like YOU and ME!

There's more to making money online than just having
a professional website... It's gotta sell YOU.

Know Who Your Audience Is!

Ever watch Who's the Boss. One episode still stands out for me. Though the details may have become muddled with time, here's the gist of it: Housekeeper Tony takes a class on advertising from ad exec Angela. His assignment? To come up with a commercial selling laundry detergent.

The end product involves Amazonian women wrestling in mud. All the guys in Tony's class love it. But Angela gives it a failing grade. Why? Because Tony had forgotten who his target audience was: women. And women would be either uninterested in Tony's commercial... or, worse, offended by it.

Seems like a no-brainer, right? You've got to know who your target audience is before you write an email.

Of course, big-name brand advertisers forget this rule all the time. But that doesn't mean it's okay - or that you can afford to ignore it.

When you sit down to write an email, always begin with your prospective customer. The best idea... the best execution... and all the money in the world won't matter if your ad doesn't connect with your target audience.

And do not forget to visit http://www.fastbuyerloans.com each Tues and Wed evening at 7pm - Central as John Alexander holds a live webcast on the Home Seller Assist program, also known as We Provide The Cash.

Larry Potter
847-872-4047
http://www.myspace.com/homebusinessnow

Break through the clutter by...

...and get more buisiness by taking these three steps:

1. Catch their attention.

If you use an e-mail to get to the decision-maker you're trying to reach, your attention-getter will be your headline. If you intend to contact him in person, it will be the first sentence you say. Whatever method you use, you must have a powerful grabber that will make him want to take action and use the Home Seller Assist program.

Example: "The Home Seller Assist program will enlarge your bank account."

2. Show them how to promote your product.

Don't just write a couple of paragraphs saying that HSA is sure to sell like hotcakes. You need to convince the decision-maker that it can be marketed effectively.

Show him exactly how to do it. Create some promotional literature for the product, including sample ads, Web pages, and/or e-mail copy like I provide you. Give him a marketing plan that they can put into action and quickly start seeing profits pour in.

3. Have the actual program in your possession. (join now)

A young man I know had a great idea for a breakthrough technology for computer games. The executive he met with loved it. Then he said, "Let me try it out and see how it works."

The deal soured when my friend admitted that all he had was a computer program that illustrated how it could be done.

If you don't actually have the product, the best you can hope for is that your prospect will ask you to get in touch with him when you do. But that's a long way from making a deal. If you expect to close a deal on the spot, you need to have the goods, so you need to be a member now.

You may be thinking, "Why would a big company need me? Surely they can develop their own program to market."

Well, what they want is what anyone in their position wants: a potential money machine handed to them on a silver platter. If you can provide the full package - the program as well as some good marketing ideas for it - you will get very serious consideration... and maybe your first "Home Seller Assist" deal.

Who Did It?!?!?!?

Who caused the current mortgage/credit crisis, one where financial institutions have taken $500 billion in writedowns and Uncle Sam is ready to start buying $700 billion in CMBS (crummy mortgage-backed securities)?

Answer: Fannie Mae and Freddie Mac.

If you heard Sen. "Libby" Dole (R-N.C.) vent her spleen at yesterday's Senate hearing on the mess, you would've thought that Franklin Raines, ,Jim Johnson, Leland Brendsel and a host of other former CEOs might be headed to the "Big House."

Sen. Dole said the current crisis is "linked to mismanagement of Fannie Mae and Freddie Mac." Of course, Ms. Dole needs to start reading the trade press and a few of the current books out on the crisis.

But the mess was definitely created by Wall Street -- not Fannie and Freddie. Wall Street financed the non-banks, bought their subprime loans, packaged them into securities and then speculated on the bonds by using credit default swaps.

Ms. Dole, of course, is hoping to pin the crisis on the GSEs because as everyone knows the Democrats were bought off (in the form of campaign donations) by Fannie and Freddie.

Then again, so too were the Republicans -- but to a lesser degree. Ms. Dole almost broke her arm patting herself on the back, pointing out that she tried to impose tighter guidelines on the two GSEs many moons ago.

Of course all of this is helping the Home Seller Assist program created by John Alexander and also known as We Provide The Cash. Tune in each Tues and Wed at 7PM-Central at http://www.fastbuyerloans.com for a webcast followed by a Q&A session.

Then head over to http://www.myspace.com/homebusinessnow and read the tips in our blog located there.

Thanks.

Larry Potter
847-872-4047
http://www.WEBUYFASTNOW.COM

50 Subprime Probes Pending

The Securities and Exchange Commission revealed Tuesday that it has 50 pending

subprime-related investigations involving residential lenders, investment banking

firms, credit rating agencies, and other players involved in the securitization

process.

It is things like this that is making the Home Seller Assist program created by John Alexander so poplar. Tune in each Tues and Wed evening at 7pm - Central at
http://www.fastbuyerloans.com and learn how you can cash in on this 8 different ways!

You Can Keep Your Current Job While You Quickly Transition Into Your New Business

How in the world do these money-making programs expect you to work tons of hours building up a new business while holding down your current job? Many just aren't practical. But I've found a new program that is loaded with methods to get you into a new business while you are working at another job.

You can put in as little as 2 to 3 hours a week in your new business, and still bring in nice profits fairly quickly - often in just a week or two. And once your business is bringing in enough income, you can quit your current job and focus full-time on your new business. You get to choose which business to get into (there are 20 to choose from), there's no limit on what you can make, and it is easier than ever to get started.

You'll learn why when checking out all the exciting details here.

Mortgage rates are lower, but getting a home loan is no easier

The government takeover of mortgage giants Fannie Mae and Freddie Mac has pushed mortgage rates lower, a boon for some home buyers and homeowners seeking to refinance, but it is not automatically going to make home loans easier to obtain.

In the wake of the takeover, interest rates on 30-year fixed-rate mortgages dropped substantially, falling under 6% for the first time since May, according to Freddie Mac's weekly rate survey. The national average for the 30-year fixed-rate was 5.93% for the week ending Sept. 11, down from 6.35% last week and 6.31% a year ago.

Still, coming up with a bigger down payment has been a barrier for some first-time home buyers, while others have struggled with tighter underwriting that lenders have put in place in response to the weakened housing market.

This is where the Home Seller Assist program created by John Alexander is catching on like wildfire and providing a great income opportunity for those who know how to capitalize on this worsening condition. Watch the webcasts at http://www.fastbuyerloans.com to see how you can generate a nice income on this.

FHFA/Treasury in Historic Takeover of GSEs

On Sunday morning the new GSE regulatory agency placed congressionally chartered

mortgage giants Fannie Mae and Freddie Mac into separate conservatorships, as the

government committed $100 billion to each while removing their CEOs and laying the

groundwork for a radical and historic restructuring of the entire U.S. mortgage

market. This could greatly help the Home Seller Assist program, so tune in on Tues

and Wed evenings at 7pm - central at http://www.fastsellerloans.com and get the

latest on We Provide The Cash from founder, John Alexander.

Weekly Applications Jump

The Market Composite Index, an overall measure of mortgage applications, jumped from 421.6

to 453.1 on a seasonally adjusted basis during the week ended Aug. 29, according to the

Mortgage Bankers Association's Weekly Mortgage Applications Survey.

Don't forget the webcast for the Home Seller Assist program by John Alexander this evening at www.fastsellerloans.com

After John Alexander goes over the temporary seller financing program (Home Seller Assist),
we have our training session for members.

If you are not a member, but have a buyer you would like to submit for financing, you can direct them to www.webuyfastnow.com where they can click on the Buyer's Application on the left and fax it into the number on the cover sheet.

Larry Potter, Pres.
KIM-LAR, INC.
847-872-4047

The FDIC isn't telling us something!

The government's latest assessment of the nation's financial system showed that many more small banks are in trouble. But what the report didn't say may speak volumes.

On Tuesday, the Federal Deposit Insurance Corp. revealed that the number of institutions on its so-called "problem bank" list jumped to 117 during the second quarter, up from 90 just three months earlier.

That list has gained greater attention lately as many banks continue to suffer losses stemming from the deteriorating housing market and slowdown in the broader economy. Nine banks have failed so far this year, including IndyMac, a California-based mortgage lender with assets of $32 billion at the time of its collapse.

But experts contend that the list is a lagging indicator and, as a result, may not provide an accurate picture of the current health of U.S. banking industry.

Typically, the list is published some 8 weeks after all of the nation's banks have reported their latest quarterly results.

Since the failure of IndyMac in mid-July, however, speculation has emerged that regulators may have exercised some discretion about which institutions they put on the confidential list.

The FDIC's first-quarter problem list, released at the end of May, clearly did not have IndyMac on it. That's because the FDIC reported that the 90 banks on the list had a combined $26.3 billion in assets - less than the size of IndyMac. That suggested that the only problem banks at the time were smaller community banks.

Experts say that if IndyMac had been on the list, the total asset size of troubled banks would have been much higher. That might have prompted a witch hunt of sorts, with the market looking for which bank was in trouble and possibly causing a run on that institution.

All of this is helping the Home Seller Assist program created by John Alexander to take off like wild fire and is helping people sell their homes quickly. Agents and loan officers are coming on board in droves to earn a 1% commission when they could not get loans approved before!

The Wealthy "Fish" in a Different "Lake"

These days, it seems everyone is out to make a quick buck. But they are all fishing in the same pond, so to speak. The real money is in a nearby lake... actually, more like an ocean of profits that almost no one knows about.

Take a walk with me and let me show how you can follow a few simple steps and lure more profits to you on a consistent basis than anything I've ever seen.


Tue Night: 8:00 EST Seller Call (sellers attend this call at www.webuyfastnow.com)

Tue Night: 9:30 EST Business Overview (learn how you make a 1% commission on any loan that funds at www.fastsellerloans.com)

Wed Night: 8:00 EST Seller Call (sellers attend this call at www.webuyfastnow.com)

New Webinar Times for Home Seller Assist program with John Alexander

Don't forget, we have a live presentation each Tues
and Wed followed by a Q&A session.

Tue Night: 8:00 CST Seller Call (www.webuyfastnow.com) attend this if you have a property to sell or buy

Tue Night: 9:30 CST Business Overview (www.fastsellerloans.com) attend this if you want to make a 1% on any loan that funds - my profits since June 23rd are just over $17,000

Wed Night: 8:00 CST Seller Call (www.webuyfastnow.com) attend this if you have a property to sell or buy

Wed Night: 9:30 CST HSA Training Call & Q/A Session (www.fastsellerloans.com)
using the info in our training, I have made over $17,000 since June 23rd

Building Wealth

For the average Joe or a major player on Wall Street, there is one proven way to jumpstart your cash flow and pull in some big bucks.

This "back door" to wealth-building is, for some, a close-to-perfect formula for consistently making money... regardless of what shape the economy is in.

Created by John Alexander, the Home Seller Assist program is helping people buy
houses that could not otherwise qualify and since there is no bank qualifying, the process is quick.

Best part: It is easy to follow this method and it flat out WORKS fast. To get the full scoop and all the exciting details just head over to www.fastsellerloans.com
and this visit our blog at

http://homesellerassist.blogspot.com

Biggest House-Buying Tip Ever

Begin with the end in mind. It doesn't matter if you plan to live in the property, rent it out, or renovate and flip it... before you buy, envision yourself selling it.

Brainstorm all the potential concerns your future buyer could have - starting with anything that made you question your own decision to buy. Is the property on a noisy street? Does the basement flood once in a while? What condition is the roof in? Is the layout of the house good for the average family? Is it in an up-and-coming neighborhood? Are other properties in the area comparable in value?

If there is anything about the place that makes you hesitate - anything that can't be fixed easily and cost effectively - you can be sure your future buyers will have the same problems with it. So forget it and move on to the next deal.

You are making an investment only if there is a reasonable probability that you will be able to make money when you sell. Buy every property with that in mind.

And if you or your buyer need financing, you should consider the Home Seller Assist program created by John Alexander and submit an application at www.webuyfastnow.com and if you want to make a 1% commission from the sale, then register at www.fastsellerloans.com They will also pay you a 1% on any other loan that funds.

Home Seller Assist Program to Flip Short Sales or REOs

Now You Can Use The New Home Seller Assist Program to Flip Short Sales or REOs

Investors, Agents, Builders, Loan Officers and Real Estate Professionals ... Close more deals

Sellers ... Top Dollar, Fast Closings, and all CASH at closing

Buyers ... Easy Terms and No-Hassle Financing - Credit Scores Down to 550

If you need a loan, visit www.webuyfastnow.com and click on the Home Seller Assist Buyer Application on the left, you can also pull your 3 credit scores from a link below that.

If you would like to make a 1% commission on any loan that funds through the Home Seller Assist program or be able to use the financing for REOs and short sale flips, please visit www.fastsellerloans.com and register at the bottom.

Larry Potter, Pres.
KIM-LAR, INC.
wallmann33@msn.com
847-872-4047