Moving Close To Houston? What about Conroe, Texas?

Conroe is truly one of the best hidden jewels in Texas.  It’s the best of both worlds with a pleasing mixture of city and country.  Conroe's high elevation affords it with breath taking  views.



  It has both heavy wooded areas and booming new construction.  Conroe’s location is only 40 miles from Houston, Texas making it the perfect vacation spot.  Houston’s entertainment and museum district is world class and second only to New York’s venues.  Houston is known for always maintaining fun and exciting activities for the entire family. 

“Conroe offers a multitude of opportunities to escape into the wilderness. The Sam Houston State National Forest and the W. Goodrich Jones State Forest offer several hiking trails and access to the 120 mile long Lone Star Hiking Trail, camping areas, bird watching, hunting, fishing, geocaching and much more. Whether you are a seasoned nature tourist or just want to explore a little, Conroe has the adventure you are looking for.”  Read More.....

Conroe’s real estate market is one of the best values in Texas.  Take a look at some of the beautiful Homes currently Available!  Call 936-441-8539 Move to Conroe!

Conroe’s growth pattern could be said to be more multiple-nuclei rather than concentric zone.  It is growing along the freeway and various major accesses to the city rather than from the center of the city.  Conroe has a wealth of real estate investing opportunities for both residential and commercial investors.  The property in the video below is a vacant commercial site located on a growth path at the southwest corner of Highway 105 and Loop 336.  Take a look then....CALL 832-703-2411 Financing Available

Asking Price: $1,999,000.00
•± 18.88 Acre Site - will Sub-Divide
• Utilities Available
•Located west of the Intersection of SH 105 & Loop 336 W
•Adjacent to HEB Retail

 

Conroe is considered the 10^th fastest-growing city over 50k in the nation. Conroe’s current population is estimated at 61,539 residents.   

Listed Below....Fastest growing cities in US (%)

• 1: San Marcos, Texas (4.91)
• 2: South Jordan, Utah (4.87)
• 3: Midland, Texas (4.87)
• 4: Cedar Park, Texas 4.67)
• 5: Clarktown, Tenn (4.43)
• 6: Alpharetta, Georgia (4.37)
• 7: Georgetown, Texas (4.21)
• 8: Irvine, California (4,21)
• 9: Buckeye, Arizona (4.14)
• 10: Conroe, Texas (4.01)

US Census Bureau, 2011-12 

 

Step-by-Step Loan Modification

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The Difference Between a Short Sale and a Loan Modification

I was asked this question on one of my sites recently so, I decided to make it a blog post:

A short sale is where the original lien holder/lender agrees to accept less than the principal amount owed on the remaining balance of the mortgage loan. For instance, let's say the remaining balance on the loan is $100,000. In a short sale situation, the lender may agree to accept an amount quite less than the remaining balance i.e. $65,000. In such cases the reason for a reduction in the principle amount owed is usually because of depreciating property values in the same area as the subject property/property in question.

A Loan Modification is actually what the term means. The Lien Holder/Lender agrees to re-amortize the remaining balance of the loan. In this case the arrears/unpaid mortgage payments are rolled into a new lump sum and mortgage payments are re-calculated.

I acually specialize in loan modifications an have seen huge success reducing monthly payments for a great number of clients. Most recently, I helped a client lower payments from $1800 to $1100. Contrary to many naysayers...current economic conditions are perfect for loan modifications. The current administration is giving money away like drunkards. As the saying goes, "an economic disaster is a terrible thing to waste". I recommend you contact me and obtain the Obama Modification.

Whether you voted for Obama or not, a 2% mortgage is a hell of thing to pass up. All that's needed to qualify is for you to prove that you can't afford you current mortgage. Wow! That's a no-brainer. Take if from the Brainionare, this is a deal you can't afford to miss!

I was talking to a close relative who informed me that he was upset. He stated that he voted for the man and didn't qualify for all the free money currently in circulation. I told him that times have changed. It used to be that if you were stable and made plenty of money where you didn't need bank money, banks chased you down the street trying to loan it to you. Now days the system is bending over backwards to give breaks to individuals who who can't afford the homes they are in.

With a loan modification one does not need to qualify based on credit. Credit isn't even considered. Also, a reduction in income is favorable to one's modification package. Even though each lender has different guidelines, ....i.e. some don't modify second loans, some will try and force borrowers into forbearance, some will not work with third party entities, some will extend higher trial periods. I have the complete list of banks and their various guidelines. If you are needing relief from a high mortgage, I can help. I've even stopped several foreclosures.

If you are still in a adjustable mortgage or if your home has depreciated in value you are automatically approved! Your lender won't tell you this! Why? Because modifications are handled by the loss mitigation department and if you are making you payments on time guess what?.....You're not a loss to them....lol

Feel free to contact me with questions
dick.g9@gmail.com

Obama Modification Guidelines

Obama Home Affordabilty Modification Program Guidelines

Publish at Scribd or explore others: Real Estate Business & Law mortgage foreclosure

Don't Pay for Credit Repair!

The real estate market is changing rapidly. It's a great time to buy. Prices are low, interest rates are low, inventory is higher than ever and sellers are willing to negotiate fantastic concessions. The only problem is the tightening of credit requirements. The current credit score needed to qualify for 95% LTV mortgage financing is 680. (at the time of this writing)

Many consumers who have struggled and saved planning to buy their first home now are faced with the task of credit repair. I talk to many individuals who have shelved out hundreds of dollars to credit repair companies in hopes of removing bad debt and building credit scores. So, I decided to write this article in attempt to help those that want to improve credit. I hope it's a benefit to all that read.

This is going to be a very short article I promise. The trick to building good credit is simple, "PAY YOUR BILLS." (Just kiddin....that's an old bill collector joke...lol) Anyway, let's continue...,

The problem with paying off old debt is knowing which bills to pay. Many individuals believe that paying off old bad debt will cause credit scores to improve. I'm saying from years of experience that this is incorrect. Some individuals even pay hundreds of dollars to so-called credit repair companies in hopes of removing old bad credit only to have their credit destroyed. These companies collect huge fees then negotiate low pay-offs. Many debt management companies collect lump sum payments then pay creditors at a slower pace than the consumer further destroying one's credit. They write tons of letters to creditors claiming that information on the credit report is incorrect only to have the same bad credit re-appear down the road at the worst possible time. To use an analogy......it's like stirring murky muddy waters hoping that the mud will somehow go away. Actually, I don't think it's legal to charge for credit repair in advance in the great state of Texas.

If you pay on or negotiate with non-secured bad debt that's older than 2 years old it will only have an adverse affect on your credit. What actually happens when you pay on old bad credit..... old bad credit becomes new bad credit driving down your credit scores.

You can cheat the credit system with the following three step formula.

1. Obtain a credit report which contains scores.
2. Identify which debts must be addressed or have a professional credit analysis.
3. Put new good credit on your report.

Obtain 3 secured or no credit needed credit cards. These cards usually range from $250.00 to $750.00 amounts of allowable credit and are easily obtained right off the internet. Once you have these cards, keep the balances under 50%. Pay on them well before the due dates and ALWAYS PAY A FEW DOLLARS EXTRA. I guarantee that your credit scores will increase drastically over a 6 month period.

I've personally used this technique to increase the credit scores of many clients. I recently watched a client's score increase more than 150 points using this technique. He implemented this simple system and within 6 months he was able to purchase a new home.

Here's a good place to obtain secured credit cards.

STARTER INVESTOR SPECIAL!!!! MAKE $7,500 QUICK!!!

I just got off the phone with the owner of a small house in Tennessee. She wants to sell her 3 bedroom 2 bath home as-is for aproximately $16,000. The home need $5,000 in repairs and is worth $45,000 to $50,000 once repaired. I asked the seller if she would accept a contract contingent upon the inclusion of and or assignee as one of the prospective purchasers. She stated that it would be o.k. I myself would rather work on transactions close to home but, am willing to turn this transaction over to anyone who might be interested for a minimal fee of $200 prior to pursuing it. I actually figure one could probably sell this property for 50 cents on the dollar without doing repairs for a quick $6 or $7 grand. If you want info the the property email dcgreen@houstonhotdeals.com with QUICK $7,500 in the subject line.

Knowing When to Hold 'Em!

I'm on the MLS daily searching properties in the Houston and surrounding area. I'm amazed at the number of great deals hitting the market. This current market has presented valuable purchase opportunities for every price point. I was talking to an agent early this morning who's property was selling for $68,000. It's part of a 9 or 10 group of single family homes owned by one investor. The properties are selling for around 65 to 68 cents on the dollar.

I often send out generic e-mails to short-sale, pre-foreclosure, and foreclosure listed properties asking whether or not they would consider even further discounts off the listed extremely short, short price. Occasionally, they respond with YES!!! PLEASE SEND US AN OFFER!!!

I'm currently working on a transaction where the builder really doesn't care what the selling price is. He stated that whatever the lender would approve as a short sale, he would be willing to sign off on. So I'm recommending that all of my potential customers make sure to purchase properties well under value in traditionally stable areas also be prepared to hold on to properties for at least 5 to 7 years.

Here's an article containing some great purchase tips!


Buying Smart(Housing : U.S.) 10/31/2008
SAN ANTONIO (San Antonio Express-News) – Those wishing to buy a home under the current economic conditions may be glad they did, as long as they are wise in selecting their location.

Barry Nystedt of the National Association of Exclusive Buyer Agents predicts that values in many coveted communities very gradually will begin rising during the next six to 12 months. In areas where the economy is weak, however, he says prices could remain stagnant for three years or longer.

“Right now there are too many properties for sale in lots of places. But in areas where inventories are starting to tighten, you should soon begin to see signs of recovery,” he said. Industry experts give homebuyers a few things to consider when selecting a neighborhood. Among the things a buyer should look for are:

Read Entire Article:

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If you're selling anything from Real Estate to Mary Kay, don't miss out on this hot system. I'll walk you through the entire process. I'll set you up with one of my automated dialers along with super cheap leads based on you're specific requirements. I'll show you how to adhere to Federal DNC requirements. Don't miss out! Take advantage of the less strenuous DNC requirements before they expire in September of '09. Contact me today for pricing!


Pre-Foreclosure Leads
Pre-foreclosure leads that are updated daily direct from the credit bureaus. You can now target pre-foreclosure leads that are currently 30 days, 60 days, 90 days, or 120 days late on mortgage. Reach your prospects before they receive a NOD and at the first sign of trouble. These are ideal prospects for loss mitigation, loan modification, short sale, and real estate investors. All pre-foreclosure leads comes with full name, address, mortgage amount, and late status. We guarantee accuracy on all of our pre-foreclosure lists.


Notice of Default (NOD) Leads
Target actual public filings of NOD (Notice of Default). These homeowners have had foreclosure documents filed by their mortgage companies and the lawyers have filed in accordance with local authorities. These homeowners are drowning and need offers to help them with a foreclosure mitigation, short sale, lease option, refinance, and more. Take a look at some of my filters:

Date of Default
Amount of Default
Auction Date
Opening Bid
Sales Price
Original Loan Date
Property Indicator
Number of Units
Living Area Sq Ft
# of Bedrooms
# of Bathrooms
# of Garages
Lot Size
Year Built
Current Land Value
Current Improvement Value
Monthly Hotline Count: 150,000+
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Drill down credit & Debt Leads to your target consumer like never before with our credit and debt leads. You can target people that are 60 or 90 days late on their credit card payments and filter them by Fico score. Whether you offer debt management, debt consolidation, credit repair, or payday loans, we can match you with the right lists at the best price.

Consumer Lists
Pinpoint your target audience with our consumer lists the most comprehensive consumer database on the market, covering more than 110 million households and 220 million individuals! With over 500 demographic and lifestyle characteristics to choose from, let me put together the best consumer list for your marketing campaign.

Spanish Leads
Our Hispanic Households file generates the best Spanish leads and is our best performing ethnic file available. Hispanics represent $300 Billion dollars worth of buying power that continues to grow exponentially and are the fastest growing population in the United States. Our Spanish leads are identified through our proprietary software that allows us to match first and last names to best identify Hispanic households to generate the best Spanish speaking leads in the industry.

Biz Opp & Entrepeneurs Lists
This multi-business owner file is sourced from Yellow Pages ads, Telco/utility updates, DBA Filings, New website registrations, and other reliable sources. These entrepreneurs and business opportunity seekers are active responders to marketing programs and request additional information on many types of business ventures and investment opportunities. Check some of the filters:

Gender
Ethnicity
Fax where available
Employee Size
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Primary SIC
Zip +4
Trademark Codes
Fortune Codes
Year Started
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Minimum order of 3,000 records
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ARM Leads
We offer a database that includes both credit bureau and county tax/deed record overlays and include dates of refinance for adjustable rate mortgage. This data is obtained by direct compilation at the county court house and can be augmented with all three major credit bureau databases. This quality data enables you to generate top notch ARM leads for your team.

E-mail me for quick pricing dcgreen@houstonhotdeals.com


1000 leads 45 cents per record

2000 leads 38 cents per record

3000 leads 28 cents per record

5000 leads 18 cents per record

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Who Wants $100,000?

I'm so excited about this new listing! It's a quick money maker for the right individual. I'll give you a brief overview here on the blog. For more information, you will need to e-mail me. The property is located in one of Houston's Historical neighborhoods. It was originally purchased by one of my clients under valued a couple of years ago. At the time of purchase, the property value was worth approximately $210,000. The same client then spent $40,000 plus in building upgrades converting the property into a salon. The current tax assessed value of this property is $180+ and it's estimated market value, (business included is $325,000+).

Here's where it gets good! The seller only wants $175,000. For more info: dcgreen@houstonhotdeals.com

Short Sales $100,000 to $150,000

There some real values on this list. I'm gonna keep adding to it so keep checking back. For instance.....I spoke to one of the owners who flat out stated that she would entertain any offer that the lender would accept. Another agent explained that the sellers would take any offer to prevent foreclosure. Yep! There's gold on this here list! One property is located is a traditionally strong stable Houston area bound to bring it's new owners great results.
Check out the list here! Return later to read my notes from discussions held with the agents and or property owners.

Easy $50,000 in Equity

Just got off the phone with a out-of-town seller who owns property here in the Houston area. She's easy to work with and not profit driven. She just wants out of the property. I took a quick look at the comparibles for properties in the area and was delightfully amazed with the results.

For those that want to hold on instead of flip, this property has strong rental potential @ over 3200 square feet. With this subdivision's hot rental market demanding 59 cents a square foot, this property is a real gem coming in at over $1,900 per month.

There's plenty of room in this one. Email me for further details.

Houston Market

The Houston real estate market remains strong even during current economic uncertainties. Several factors contribute to Houston's vibrant real estate industry. Houston’s after tax living cost makes it one of the best places in the U.S. to live at approximately 12% below the national average. This is largely due to the fact that Houston’s housing cost is 26% below the national average.
Houston, Sugarland, Baytown’s $325.5 billion Gross Area Profit (GAP) for 2006 was more than Austria’s, Poland’s or Saudi Arabia’s Gross Domestic Product (GDP). In 2006, Forbes Magazine ranked the Houston Metropolitan area as the third best places in the U.S. for businesses and careers.
Houston’s major industries are Oil & Gas, Manufacturing, Engineering, Real Estate, Medicine, Biotechnology, Aerospace, and Marine Science. There is no state or local personal income tax. Sales Tax is 8.25%. Even the horrific collapse of Enron has not prevented Houston from ranking among top three cities for investing in downtown redevelopment projects.

I once felt that legislators missed the boat when introducing 80% maximum LTV of appraised value for cash-out refinancing. That same requirement has helped Texas homeowners retain large amounts of their home equity during the current mortgage sub-prime meltdown.

Many foreign investors are taking advantage of weak U.S. dollars and strong Houston real estate values to reap huge rewards. Read More......

Property Management

The goal of good property management is to maximize the desired return (fiscal, social, or physical) from a real estate investment over the life of the property. The result is a clean, quiet, well-managed, well-organized (usually multifamily rental) property. This section contains information on the various aspects of property management, including physical maintenance and upkeep of the property, marketing and occupancy management, fiscal management, resident relations, personnel and staffing, and security. This page is loaded with info.....

Quick Paying Affiliate Progam!

As many of you know, I'm constantly bombarded with requests to try different affiliate programs. Many of them end up being scams and I eventually have to remove their links from my pages due to lack of activity or redirecting credit. Now that my personal domain sites are starting to get higher ranking, I'm a little more particular about which programs I recommend. So here's one that I do. You'll find it posted on my Newsletter page. ClixGalore generates cash quick and deposits money into your PayPal account Hassle-Free. Check it out!

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