Bank Homes for Sale

http://video.google.com/videoplay?docid=7065205277695921912
http://ca.youtube.com/watch?v=c49q3PGof2w
http://ca.youtube.com/watch?v=1Ft_Qbx84rw&feature=related

For entertainment only: Beware scams or false leads

Claim your common law rights & Control your Government Fiction

Let he who wishes to be deceived be deceived John 8:32 the truth shall make you free

Levitical UCC-Universal Commercial Code Monetary Governments are a Babylonian tithe/tax system of tickets to a Priest President Lord Judge Lawyer Cop MI666 Officer We apply/beg for licenses permits & become an employee/mark of the beast

A UCC “officer” is a gentleman & never lies under Admiralty Law, since countries operate in bankruptcy “Citizens” are always guilty-For all have sinned

Plain truths need not be proved

We need to change from a monetary based to a resourced based economy and relegate religions & laws to philosophy & Magna Carta natural/common law Writ not de facto corporate legalese aka the Beast

I recommend you watch The Anti Terrorist, Robert Menard, Winston Shrout, Mark McMurtrie at a minimum

These are the steps once you get an “understanding”

The laying of the groundwork to one’s freedom and sovereignty requires using the administrative process, dotting all of the “i”s and crossing all of the “t”s. If done right you need never see another court

1 Properly filing a UCC-1 form to establish a lien upon your strawman and public record that you are not the STRAWMAN and in fact are the holder-in-due-course of it

2 Making yourself the Power of Attorney over the corporate fiction

3 Copyrighting the STRAWMAN’s name This doesn’t just give you another defensive strategy it gives you a very important offensive weapon because from this point on anyone who is coming after your STRAWMAN for anything without your permission is trespassing on your commercial property

4 Write a Notice of Understanding & Intent & Claim of Rights & attach a FEE SCHEDULE

5 Include Notice to secure your bond using your birth certificate trust which was created when you were born

6 Notarize/Witness & registered mail the package & file to all interested parties from the Queen down

7 Do a Notice of Default when they don’t respond They can’t rebut the truth so you win a default judgment that puts them into estoppel

Get your books in order set-off your account and have a happy life

Be a Freeman in common law with your public bond in place Lawful & Legal

The Bible is a book of laws and the remedy is in there too You ever wonder why they distorted and twisted the meanings The money changers are in the temple and they own all the printing presses We aren’t supposed to have this information and technology

The tools have been there forever You just have to learn to work the tools It’s simple technology once you learn the administrative process A few different types of letters You will never see a courthouse again

Don’t expect a boilerplate of forms and bonds and someone to fill it out for you If you can’t do it yourself how are you going to uphold your law Take a few days, plow through the videos read the samples and start building your presentment Share it with someone and work it together Take responsibility and become a peace keeper

You’ve possibly heard of the term “judicial immunity” a judge has or so-called “unlimited immunity” a clerk or a cop or an IRS agent is protected by his or her agency Well it hardly exists at all The only immunity any agent has is when they are within their jurisdiction, and they have no jurisdiction over you the real live person

When you know the difference between who you are and who you’ve been led to believe you are (a corporate fiction) and how to effectively assert this difference the scales of justice are unlocked and the balance of power tilts back to your favor

Duration : 0:9:42

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the answer is yes, of course you are, everybody is! I have money, LOTS OF IT! and you can too, just pay attention to this video, and soon you will be rich and powerful just like me!

Duration : 0:10:47

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Housing sales volumes collapsed 53% in March from the same month a year ago to a record low for a March, data from the Real Estate Institute of New Zealand shows. However, the median house price rose, largely because the number of sales of cheaper houses slumped, skewing the median towards the upper end of the range.

The data shows the housing market in a full scale slump that will translate into significant price reductions for forced sellers, negative equity for some recent entrants to the property investment market, and a sharp slowdown in consumption spending linked to home equity withdrawal.

The figures will reassure the Reserve Bank of New Zealand that the housing market is slowing, but is unlikely to be enough to convince it to cut official interest rates, given the scale of the inflation problem faced by the central bank.

The median house price rose to 349,000 in March from NZ$337,500 in February and was not far off its November peak of NZ$352,000. It was just above its NZ$343,500 median in March a year ago.

The biggest shift came in the number of houses sold and in the median time to sell a house.

REINZ said there were 5,129 houses sold in March, down from 6,356 in February and down 53% from the same month a year ago. This was a record low for a March and the lowest individual month since December 1999.

REINZ said a drop in consumer confidence among buyers of cheap houses and an early Easter holiday period were to blame.

“Easter reduced the month to just 18 business days, but there is no doubt that confidence has taken a knock especially in the lower end where sales of properties worth under $400,000, fell 23.18 per cent compared with the overall sales drop on February of 19.3 per cent,” REINZ President Murray Cleland said.

“The explanation for this collapse of ‘the bottom order’, as one might say, probably lies in the fact that the lower end of the market is likely to be more affected by confidence issues and particularly some of the recent headlines, while the upper end of the market has relatively more resilience,” Cleland said.

The median time to sell a property fell to 40 days in March from 50 days in February, but was up from 27 days in March a year ago.

Cleland said 7 of the 12 regions surveyed experienced lower median prices. “The unusual factors in March could not hide the fact that many prices around the country were weaker,” he said.

“Add to that the likelihood of a growing number of properties coming on the market either through bank-forced sales, or through the collapse of property investment schemes, which will put more pressure on the market,” he said.

The sharply lower sales volumes numbers are also bad news for mortgage brokers and real estate agents, who depend on commissions from sales numbers and mortgage numbers for their income. Some are predicting as many as a third of brokers and agents will have to leave the industry in the next year.

Duration : 0:2:33

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http://www.houserebate.com
BAY PARK real estate is now online. See all homes for sale in BAY PARK , CA 92110. We provide addresses, school and community information. HouseRebate.com will rebate 33% its commission back to you. Get up to $5,000 cash back on a $500,000 home.

The list includes homes, condominiums and duplexes. There is also BAY PARK Bank Owned property and BAY PARK Foreclosure properties. See the complete BAY PARK Bank owned and Foreclosure list at http://www.houserebate.com/foreclosure . The list is updated daily

San Diego Bank Owned List http://www.youtube.com/watch?v=iuRyYwYfWsE

San Diego Short Sale list http://sandiego.houserebate.com/shortsales/

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Michigan Foreclosure Real Estate Investing in Bank Owned Homes and Distressed Properties in Metro Detroit

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Former Bank building auction in Newton, Iowa. Auction held Tues. Nov. 25th, 1PM.

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http://www.tourfactory.com/s414040/r_www.youtube.com

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i owe 15,000 on my 2002 Dodge ram truck and pay 1000 a month just for the truck… and gas is killing me… so we want to get a cheep home but the truck i cant afford on top of Rent for a place or a house. Whats your suggestion

Alright just relax, is it a good idea to repo a truck? NO. Are you going to pay your truck before you pay your rent? NO. Do you need to spend a ton of money on a wedding? NO.

If times are tough, repo the truck, go get married at city hall for $50 bucks and pay your rent. Buy a cheap car with cash, that gets good gas mileage. File a bankruptcy and get rid of all your bills. Rent for one year after you B.K. and you will be able to buy a house at the end of that year. anyone with a B.K. will have to have a good down payment to buy a house, but you are about to save $1000 a month buy repoing your truck. Put money in the bank, save a nice down payment for a house and start your lives together with a house and no other debt.

Always pay cash for everything, except your house, pay cash for the house when you can, other then the house you should drive what you can afford, not what you can pay a monthly payment on, something you can buy with cash, so when times get tough no one can come take your car from you if you bought it with cash.

Jack and Mary were desperate. Mary received a big promotion in another state and Jack was looking for a new job in the same city. It was just too good to pass up. Mary was a rising star in the health care industry and with the huge pay boost and promotion it was a job she had dreamed of ever since leaving graduate school armed with her MBA. Jack was a natural born salesperson and could work anywhere selling just about anything. He liked high tech sales in the high ticket electronics field and was close to catching on with a company in the same city as Mary’s new job. One problem, they had a large house to sell in a very slow and slumping real estate market.

Jack and Mary counseled with the local real estate ace that had long been the resident expert Realtor for their community. They had been in their home for six years and with the past real estate surge they had lots of equity now. Because this was happening so fast, Mary moved to a small apartment near her new job. The relocation price offered by the company was way too low for what they felt they could command in the market. This option was rejected. With ongoing brain storming with Tyler the Realtor, the scenarios included, lease options, lease purchase, and a seller held second. The lease scenarios would be the iffiest of the three. Jack and Mary instructed Tyler to hold the price and offer to pay the selling Realtor a selling fee plus a bonus of $2,500 and agreed to pay the closing costs and prepaid expenses (pre-paid interest, tax and insurance escrows) up to an offered $14,000. Likewise, Tyler was instructed to offer through the MLS selling terms to include a seller held second of 5% to 10% of the purchase price. The list price of $475,000 would mean that the Jack and Mary were willing to hold a second mortgage of 5% Loan To Value (LTV) or $475,000 x 5% = $23,750 or 10% LTV at $475,000 x 10% = $47,500.
Tyler, the listing Realtor, had been in discussion with a mortgage broker active in their area and had some clients that could only get a 90% to 95% LTV first mortgage. They had some credit dings, which were holding them back. Each had fully documented income and was making good money. There were valid reasons for their rocky credit history and both needed time to rebuild their credit. Tyler showed the home to both the prospective buyers who had credit challenges. The first couple didn’t like the kitchen layout or the back yard size. The second couple liked the house and had similar reservations but with the flexible financing they figured they could live with it and make changes and improvements down the road when they could refinance down the road and get sufficient monies to do some home improvements.

Jack had closed up the house and had moved with the furniture in tow to join Mary at her new location. The furniture was put into storage in hopes that it wouldn’t be there long with Realtor Tyler on the case. Jack had been actively working on his job hunt in the new city for two weeks now. Tyler was now on the phone presenting the offer from the buyers who needed seller help. The buyers would need Jack and Mary to pay $15,000 in closing costs and prepaid expenses. Tyler was making the deal himself so there was no bonus involved. The offer was based on a seller held second mortgage of $47,500 with an interest rate of 10% with a 30-year term and a three-year balloon. The payments would be $416.85/month. At closing, Jack and Mary would payoff their first mortgage of $200,000 and would get somewhere around $188,000 in cash at closing and the seller held second of $47,500.00 paying $416.85/month. Tyler went on to explain that the buyers were putting very little of their own money in the deal and explained the downside risk involved if the buyers defaulted. The only way they could protect their 2nd mortgage equity would be to buy in the first mortgage or just take the loss. Tyler and the mortgage broker, with the buyer’s permission, indicated that Jack and Mary were in essence underwriting the 2nd mortgage loan on part of the buyers. It was up to them to pass or deny.

On weekends Jack and Mary were looking at new homes, which might meet their needs. One in particular, due to the soft market, the builder was offering major concessions and sales inducements including paying all the closing costs and prepaid expenses. With potentially $180,000 cash available for any purchase they were looking at a builder deal loaded with incentives for a home worth $750,000, which they could now buy for $650,000. The nagging fear was what would happen if the 2nd mortgage payer defaulted. Since, it was up to Jack and Mary to pass on the buyer’s credit worthiness, with the buyer’s permission, they went over their entire credit package and personally interviewed them on the phone to find out something of the character of the buyers and the back ground of the of how the credit dings had taken place. It turns out it was a temporary medical problem that had put them behind the eight ball and precipitated their credit dings. Jack and Mary decided to take the deal. Since the buyers had been already pre-qualified, the sale took place in two weeks.

Jack and Mary, with closing funds in hand, closed moved into their new home. Six months had passed and the buyer’s of their prior residence had made their second mortgage payments on time as agreed. The home had everything they wanted in a home except a pool and spa. The dilemma for Jack and Mary, even though they had got an incredible interest rate in the soft market they were reluctant to incur any additional debt with the 2nd mortgage paying off in now 2.5 years. Jack received a letter in the mail from an investment note buyer who was offering to buy the note at a discount since the note now has some “seasoning”. Running the math, with the investor getting a 15%+ yield on a 10% face rate ballooning in the next 30 months were offering to buy the note for $42,900 cash. Just for grins, Jack being the super salesman and dealmaker had been working on construction quotes with a pool contractor. He had managed to negotiate a $5,000 reduction and could put everything they wanted for $40,000. Pool contractors were slow right along with the rest of the real estate market. Jack and Mary showed the documentation to the note buyer that indicated six months of on time payments together with copies of the note and mortgage. The note was sold netting out $42,000 in cash. The pool was built the following week. Life was good.

Soft markets can lead to flexible terms which can help complete real estate deals. Keep and open mind. There is more than one way to skin a…real estate deal.

Dale Rogers
http://www.sellerhelpsbuyer.com
http://www.brokencredit.com

Everyone knows that you can build wealth and make money fast in real estate but much of the property in North America and Europe is expensive and doesn’t offer huge growth potential.

Here we are going to look at overseas property, that’s cheaper and has better growth potential.

Americans are buying in record numbers in this country and making up to 100% annually on their investment.

The country is Costa Rica

Why are Americans buying in record numbers?

Quite simply ocean view property here is up to 70% less than in the US and with the thirst for beach front property investors are buying in huge numbers.

What is the profit potential?

Buyers that purchased $30,000 of property in the town of Jaco 15 years ago are now worth as much as $780,000.

The Marriot Corporation who own the Los Suenos Resort, pre sold 50 condos of 2000 square feet for $250,000.

The next year Marriot sold another batch at $350,000. The next year units were sold at up to $850,000

Why are these gains likely to continue?

There are several reasons:

1. More people than ever are retiring to Costa Rica to get a cheaper more affordable standard of living.

2. Costa Rica is beautiful and many people are buying second homes here.

3. The Government makes it easy, by giving the same rights as local residents as well as keeping red tape to a minimum.

4. An investment in Costa Rica property is extremely tax efficient and property tax is low.

Is it cheap and easy to invest?

Property is affordable risk is low and profit potential is high and the factors above that are driving property prices will continue to do so.

Where is a good place to buy?

As we know the key to any property investment is location and the best location in Costa Rica is the area around the town of Jaco on the Central Pacific coast.

This area is popular with both domestic and foreign buyers and property values are increasing.

You have a beautiful area with great infrastructure not far from the main international airport for easy access.

Buying in this area around new developments and expanding infrastructure can give huge profit potential.

Costa Rica is an established overseas investment location and the government is stable and democratic and they have made investing in property easy and potentially lucrative.

Investing Is Easy

You can of course invest yourself or you can take advantage of several specialist realtors who can help with you select the best locations and the best properties for your budget.

Costa Rica property investment can yield handsome rewards for savvy investors so take a look and you may be glad that you did.