RonOrr.com Real Estate Marketing

(My Original Blog Post: http://www.minnesotainvestors.com/blog/ronorrcom-real-estate-marketing/)
HTML clipboardMy name is Ron Orr, (RonOrr.com) I have helped people in all areas of real estate since 2002.
Real Estate Broker with MinnesotaInvestors.com, Inc.  Here is a list of what I markte for below:
I've created a friendship/business relationship with many people over the years, all specializing in different areas of real estate.
I do the marketing to help find a good win-win fit for each affiliate and each referral I get.
You can contact me in the following ways.
ron@minnesotainvestors.com
http://www.ronorr.com
763-634-1766

Here are the housing situations I can help you with:

For those moving into a place:
1. Renters that want a $1000/month+ rental, if you will work exclusively with our agent, please contact me
2. Anyone that wants to rent to own a property, rent with the option to buy 12-36 months later, please contact me
3. Anyone that wants to buy on a contract for deed, should have a decent down payment,  please contact me
4. Anyone that wants a home loan starting at a 580+ credit score, please contact me
5. Anyone with 300-750 credit score should contact me to improve your credit score
6. Anyone that wants a home loan, but needs help with down payment assistance or grants, please contact me
*If you want to buy on a c/d, but first want an investor to buy with  financing, you may need 10-15% down minimum on a c/d
*If you are already working under contract with a buyer's real estate agent, it may be a conflict of interest.

I find that the overall goal is for people to want a home loan, but often they find that they have under a 580+ credit score,
so they are forced to go with a contact for deed, rent to own, or rental, which is fine.  You can call me no matter which situation
you are in.  Let me highly suggest to you to email, call me, or sign up to http://www.ronorr.com , earlier on, so that I can have 30-90 days to get you a credit score boost. Soon you'll have a good credit score in order to get that home loan.
If you can't get up to that 580+ credit score, you will then need a contract for deed, rent to own, or rental, which require even more money down, so a home loan is best right now for the low interest rate and the low down payment vs. the other concepts.

Why is your credit score so important?  Let's go over that right now:
You can review your credit report free at: http://www.freecreditreport.com
First let's go over just some of the many items that will be removed from your credit report:
Collections
Foreclosures
Inquiries
Charge-Offs
Late Payments
Public Records
Tax Liens
Bankruptcies
Judgments
Repossessions

Second, let's go over real-life scenarios where a better credit score will help benefit you in life.
Call, text, email, or sign up to http://www.ronorr.com today, the costs upfront are pretty small compared to how much it will save you.  A higher credit score can help you out with numerous things in life, here are just a few major ones that will effect you daily:

-You may now be able to qualify for a home loan and buy that home you've always wanted
-Even if you plan on getting a home loan, a higher credit score offers you more choices and possibly a lower rate
-You can qualify to get credit cards
-Many of the credit cards you qualify for will likely offer lower interest rates
-You may save money on your Auto Insurance, as it's often tied into credit rating
-Better interest rates, and cheaper payments helps you to have better and more affordable options
-You may be able to get a auto loan and make small payments instead of a life of expensive car repairs
-You may be able to open up bank accounts you couldn't before
-You may be able to open up investment accounts that you couldn't before
-Many employers check credit, this may help you get a job or a better one
-You may not be forced to have high interest rate department store credit cards
-You may be able to get a credit line increase
-You may be able to get a home equity line of credit
-It may help you to get a cell phone service instead of month to month, or pre-pay minutes
-It may help you to get cable TV or direct TV, without a huge deposit
-You may be able to get a new electric company service without a huge deposit
-You may be able to get a college loan so that you can get a career that you like, eventually making more money
-Us negotiating your credit card payoffs may save you thousands of dollars
-We can use advanced techniques to save you from wage garnishment
-We can help the banks from calling, we can help from non stop collections
-We can help negotiate lower high interest rates
-We can help eliminate some late fees
-We can help with penalties
-We can help avoid or minimize the impact of liens
-We can help avoid bank levies
-We can help avoid or minimize the impact of judgments
-We can help delay your foreclosure, so that you can get back on your feet

Now let's go over Homeowners:

Let's put homeowners into two categories:
A: Those that want to sell their house  B: Those that want to keep their house longer

For the sellers:
Lease out your property to a renter
Lease option out your property to a rent to own person
Sell on a contract for deed with owner financing to a c/d buyer
Sell to someone with a home loan and cash out, you need to list your house and you have equity
Sell to someone with a home loan and cash out, but you owe too much, sell on a short sale
Sell your deed to our affiliate ASAP, even if you are near the end of foreclosure, he'll pay you for your deed, taking over your payments right away
*If you are already working under contract with a real estate agent, it may be a conflict of interest.

For those that want to keep their house longer:
For those that aren't behind or are behind on payments that are before the sheriff sale, ask about a loan modification
For those that are not yet in foreclosure, we have a company that will buy your house from your lender within 120 days, keeping you in your house
For those behind in payments, that need more time in the foreclosure process, we have paperwork to file extending the foreclosure timeline 6-12+ mos.
For those that owe too much on their house, short sale is a great way to sell and stay in the house for awhile longer
*If you are already working under contract with a real estate agent, it may be a conflict of interest.

Don't give the house back to the bank, don't do a deed-in-lieu of foreclosure, don't give up on an adjusting rate, don't give up! There are many other options.  Please note, all scenarios above will work no matter what situation a home owner is in, behind in payments, selling, not selling, etc.

In all of the above options, we'll look to have you work with one of our expert professionals, agents, or negotiators to complete the above task. We receive hundreds and hundreds and hundreds of leads of the above and we look forward helping everyone with their unique situation.  It really helps if you just discuss your situation, and what services you need help with, so the right affiliate can help you out.

Please go to http://www.ronorr.com
ron@minnesotainvestors.com
763-634-1766


For home loans please read details:
Chapter 13 BANKRUPTCY:
There must be 12 consecutive months of on time payments on all accounts
(including utilities, cell phones,etc) from the filing of the chapter 13 bankruptcy.

Chapter 7 BANKRUPTCY:
There must be 24 months of perfect credit from the disposition of a Chapter 7 bankruptcy.

FORECLOSURE:
EXTENUATING CIRCUMSTANCES
FINANCING 1 YEAR OUT OF FORECLOSURE
The FHA Underwriters have the ability to manually underwrite the file and get an
"exception" if there are extenuating circumstances (ie Medical, Death, multiple job loss).
Buyers would need to write out a very detailed explanation of exactly what happened,
and will need to submit supporting docs (legal, medical, etc). Each File will be reviewed
by UnderWriting to determine if the circumstances warrant "Extenuating".
If so, they will grant Pre-Approval.

Prefer to work with those that will sign a buyer's rep agreement.
Also looking to work with those that are NOT working with an agent already.
We don't have investors to buy the house so that we can sell back to you on a c/d



For other Loan programs please see:
Down Payment Assistance Now Available
(Available for a limited time until the money runs out)
-Ramsey County Down Payment
-Down Payment Assistance Crystal
-Brooklyn Center Grant Programs
-Anoka County Down Payment
-55411 Zip Code Neighborhood Program
-MN Grant Assistance Programs
-Home Help Guidelines
-Grant Programs (Over 30+)

Other Loan Programs:
FHA
FHA 203K (For rehabbers)
VA
Conventional
HomePath (Owner Occupied and Investment)
Manufactured and Modular Homes
MN Housing; MMP, CASA, HOMEHELP

$8000 stimulus money, ends April 30th, 2010
2009 FIRST TIME HOME BUYER TAX CREDIT

http://www.RonOrr.com
Phone: (763) 634-1766
Real Estate Broker
MinnesotaInvestors.com, Inc.