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Federal Trade Commission -- Search: Facts for Consumers PDF Version Looking for the Best Mortgage Shopping around for a home loan or mortgage will help you to get the best financing deal. A mortgage—whether it's a home purchase, a refinancing, or a home equity loan—is a product, just like a car, so the price and terms may be negotiable. You'll want to compare all the costs involved in obtaining a mortgage. Shopping, comparing, and negotiating may save you thousands of dollars. Obtain Information from Several Lenders Home loans are available from several types of lenders— thrift institutions , commercial banks, mortgage companies, and credit unions. Different lenders may quote you different prices, so you should contact several lenders to make sure you're getting the best price. You can also get a home loan through a mortgage broker. Brokers arrange transactions rather than lending money directly; in other words, they find a lender for you. A broker's access to several lenders can mean a wider selection of loan products and terms from which you can choose. Brokers will generally contact several lenders regarding your application, but they are not obligated to find the best deal for you unless they have contracted with you to act as your agent. Consequently, you should consider contacting more than one broker, just as you should with banks or thrift institutions. Whether you are dealing with a lender or a broker may not always be clear. Some financial institutions operate as both lenders and brokers. And most brokers' advertisements do not use the word "broker." Therefore, be sure to ask whether a broker is involved. This information is important because brokers are usually paid a fee for their services that may be separate from and in addition to the lender's origination or other fees. A broker's compensation may be in the form of "points" paid at closing or as an add-on to your interest rate , or both. You should ask each broker you work with how he or she will be compensated so that you can compare the different fees. Be prepared to negotiate with the brokers as well as the lenders. Obtain All Important Cost Information Be sure to get information about mortgages from several lenders or brokers. Know how much of a down payment you can afford, and find out all the costs involved in the loan. Knowing just the amount of the monthly payment or the interest rate is not enough. Ask for information about the same loan amount, loan term, and type of loan so that you can compare the information. The following information is important to get from each lender and broker: Rates Ask each lender and broker for a list of its current mortgage interest rates and whether the rates being quoted are the lowest for that day or week. Ask whether the rate is fixed or adjustable . Keep in mind that when interest rates for adjustable-rate loans go up, generally so does the monthly payment. If the rate quoted is for an adjustable-rate loan, ask how your rate and loan payment will vary, including whether your loan payment will be reduced when rates go down. Ask about the loan's annual percentage rate (APR). The APR takes into account not only the interest rate but also points, broker fees, and certain other credit charges that you may be required to pay, expressed as a yearly rate. Points Points are fees paid to the lender or broker for the loan and are often linked to the interest rate; usually the more points you pay, the lower the rate. Check your local newspaper for information about rates and points currently being offered. Ask for points to be quoted to you as a dollar amount—rather than just as the number of points—so that you will actually know how much you will have to pay. Fees A home loan often involves many fees, such as loan origination or underwriting fees , broker fees, and transaction , settlement, and closing costs . Every lender or broker should be able to give you an estimate of its fees. Many of these fees are negotiable. Some fees are paid when you apply for a loan (such as application and appraisal fees), and others are paid at closing. In some cases, you can borrow the money needed to pay these fees, but doing so will increase your loan amount and total costs. "No cost" loans are sometimes available, but they usually involve higher rates. Ask what each fee includes. Several items may be lumped into one fee. Ask for an explanation of any fee you do not understand. Some common fees associated with a home loan closing are listed on the Mortgage Shopping Worksheet in this brochure. Down Payments and Private Mortgage Insurance Some lenders require 20 percent of the home's purchase price as a down payment. However, many lenders now offer loans that require less than 20 percent down—sometimes as little as 5 percent on conventional loans . If a 20 percent down payment is not made, lenders usually require the home buyer to purchase private mortgage insurance (PMI) to protect the lender in case the home buyer fails to pay. When government-assisted programs such as FHA (Federal Housing Administration), VA (Veterans Administration), or Rural Development Services are available, the down payment requirements may be substantially smaller. Ask about the lender's requirements for a down payment, including what you need to do to verify that funds for your down payment are available. Ask your lender about special programs it may offer. If PMI is required for your loan, Ask what the total cost of the insurance will be. Ask how much your monthly payment will be when including the PMI premium. Ask how long you will be required to carry PMI. Obtain the Best Deal That You Can Once you know what each lender has to offer, negotiate for the best deal that you can. On any given day, lenders and brokers may offer different prices for the same loan terms to different consumers, even if those consumers have the same loan qualifications. The most likely reason for this difference in price is that loan officers and brokers are often allowed to keep some or all of this difference as extra compensation. Generally, the difference between the lowest available price for a loan product and any higher price that the borrower agrees to pay is an overage . When overages occur, they are built into the prices quoted to consumers. They can occur in both fixed and variable-rate loans and can be in the form of points, fees, or the interest rate. Whether quoted to you by a loan officer or a broker, the price of any loan may contain overages. Have the lender or broker write down all the costs associated with the loan. Then ask if the lender or broker will waive or reduce one or more of its fees or agree to a lower rate or fewer points. You'll want to make sure that the lender or broker is not agreeing to lower one fee while raising another or to lower the rate while raising points. There's no harm in asking lenders or brokers if they can give better terms than the original ones they quoted or than those you have found elsewhere. Once you are satisfied with the terms you have negotiated, you may want to obtain a written lock-in from the lender or broker. The lock-in should include the rate that you have agreed upon, the period the lock-in lasts, and the number of points to be paid. A fee may be charged for locking in the loan rate. This fee may be refundable at closing. Lock-ins can protect you from rate increases while your loan is being processed; if rates fall, however, you could end up with a less favorable rate. Should that happen, try to negotiate a compromise with the lender or broker. Remember: Shop, Compare, Negotiate When buying a home, remember to shop around, to compare costs and terms, and to negotiate for the best deal. Your local newspaper and the Internet are good places to start shopping for a loan. You can usually find information both on interest rates and on points for several lenders. Since rates and points can change daily, you'll want to check your newspaper often when shopping for a home loan. But the newspaper does not list the fees, so be sure to ask the lenders about them. The Mortgage Shopping Worksheet that follows may also help you. Take it with you when you speak to each lender or broker and write down the information you obtain. Don't be afraid to make lenders and brokers compete with each other for your business by letting them know that you are shopping for the best deal. Fair Lending Is Required by Law The Equal Credit Opportunity Act prohibits lenders from discriminating against credit applicants in any aspect of a credit transaction on the basis of race, color, religion, national origin, sex, marital status, age, whether all or part of the applicant's income comes from a public assistance program, or whether the applicant has in good faith exercised a right under the Consumer Credit Protection Act. The Fair Housing Act prohibits discrimination in residential real estate transactions on the basis of race, color, religion, sex, handicap, familial status, or national origin. Under these laws, a consumer cannot be refused a loan based on these characteristics nor be charged more for a loan or offered less favorable terms based on such characteristics. Credit Problems? Still Shop, Compare, and Negotiate Don't assume that minor credit problems or difficulties stemming from unique circumstances, such as illness or temporary loss of income, will limit your loan choices to only high-cost lenders. If your credit report contains negative information that is accurate, but there are good reasons for trusting you to repay a loan, be sure to explain your situation to the lender or broker. If your credit problems cannot be explained, you will probably have to pay more than borrowers who have good credit histories. But don't assume that the only way to get credit is to pay a high price. Ask how your past credit history affects the price of your loan and what you would need to do to get a better price. Take the time to shop around and negotiate the best deal that you can. Whether you have credit problems or not, it's a good idea to review your credit report for accuracy and completeness before you apply for a loan. To order a copy of your credit report, contact: Equifax: (800) 685-1111 TransUnion: (800) 916-8800 Experian: (888) EXPERIAN (397-3742) Glossary Adjustable-rate loans , also known as variable-rate loans, usually offer a lower initial interest rate than fixed-rate loans. The interest rate fluctuates over the life of the loan based on market conditions, but the loan agreement generally sets maximum and minimum rates. When interest rates rise, generally so do your loan payments; and when interest rates fall, your monthly payments may be lowered Annual percentage rate (APR) is the cost of credit expressed as a yearly rate. The APR includes the interest rate, points, broker fees, and certain other credit charges that the borrower is required to pay. Conventional loans are mortgage loans other than those insured or guaranteed by a government agency such as the FHA (Federal Housing Administration), the VA (Veterans Administration), or the Rural Development Services (formerly know as Farmers Home Administration, or FmHA). Escrow is the holding of money or documents by a neutral third party prior to closing. It can also be an account held by the lender (or servicer) into which a homeowner pays money for taxes and insurance. Fixed-rate loans generally have repayment terms of 15, 20, or 30 years. Both the interest rate and the monthly payments (for principal and interest) stay the same during the life of the loan. The interest rate is the cost of borrowing money expressed as a percentage rate. Interest rates can change because of market conditions. Loan origination fees are fees charged by the lender for processing the loan and are often expressed as a percentage of the loan amount. Lock-in refers to a written agreement guaranteeing a home buyer a specific interest rate on a home loan provided that the loan is closed within a certain period of time, such as 60 or 90 days. Often the agreement also specifies the number of points to be paid at closing. A mortgage is a document signed by a borrower when a home loan is made that gives the lender a right to take possession of the property if the borrower fails to pay off on the loan. Overages are the difference between the lowest available price and any higher price that the home buyer agrees to pay for the loan. Loan officers and brokers are often allowed to keep some or all of this difference as extra compensation. Points are fees paid to the lender for the loan. One point equals 1 percent of the loan amount. Points are usually paid in cash at closing. In some cases, the money needed to pay points can be borrowed, but doing so will increase the loan amount and the total costs. Private mortgage insurance (PMI) protects the lender against a loss if a borrower defaults on the loan. It is usually required for loans in which the down payment is less than 20 percent of the sales price or, in a refinancing, when the amount financed is greater than 80 percent of the appraised value. Thrift institution is a general term for savings banks and savings and loan associations. Transaction, settlement, or closing costs may include application fees; title examination, abstract of title, title insurance, and property survey fees; fees for preparing deeds, mortgages, and settlement documents; attorneys' fees; recording fees; and notary, appraisal, and credit report fees. Under the Real Estate Settlement Procedures Act, the borrower receives a good faith estimate of closing costs at the time of application or within three days of application. The good faith estimate lists each expected cost either as an amount or a range. This brochure was prepared by the following agencies: Department of Housing and Urban Development Department of Justice Department of the Treasury Federal Deposit Insurance Corporation Federal Housing Finance Board Federal Reserve Board Federal Trade Commission National Credit Union Administration Office of Federal Housing Enterprise Oversight Office of the Comptroller of the Currency Office of Thrift Supervision These agencies (except the Department of the Treasury) enforce compliance with laws that prohibit discrimination in lending. If you feel that you have been discriminated against in the home financing process, you may want to contact one of the agencies listed above about your rights under these laws. For more information on home lending issues , visit www.consumer.gov , write to the Consumer Information Center, Pueblo, CO 81009 or visit the Center's Web site . The following brochures are available from the center: A Consumer's Guide to Mortgage Lock-lns A Consumer's Guide to Mortgage Refinancing Buying Your Home: Settlement Costs and Helpful Information Consumer Handbook on Adjustable Rate Mortgages Guide to Single Family Home Mortgage Insurance Home Buyer's Vocabulary Home Mortgages: Understanding the Process and Your Rights to Fair Lending How to Buy a Home with a Low Down Payment How to Dispute Credit Report Errors The HUD Home Buying Guide When Your Home Is on the Line Mortgage Shopping Worksheet Lender 1 Lender 2 Name of Lender Name of Contact Date of Contact Mortgage Amount Basic Information on the Loans Mortgage 1 Mortgage 2 Mortgage 1 Mortgage 2 Type of Mortgage: Fixed rate, adjustable rate, conventional, FHA, other? If adjustable, see below. Minimum down payment required Loan term (length of loan) Contract interest rate Annual percentage rate (APR) Points (may be called loan discount points) Monthly Private Mortgage Insurance (PMI) premiums How long must you keep PMI? Estimated monthly escrow for taxes and hazard insurance Estimated monthly payment (Principal, Interest, Taxes, Insurance, PMI) Fees Different institutions may have different names for some fees and may charge different fees. We have listed some typical fees you may see on loan documents. Application fee or Loan processing fee Origination fee or Underwriting fee Lender fee or Funding fee Appraisal fee Attorney fees Document preparation and recording fees Broker fees (may be quoted as points, origination fees, or interest rate add-on) Credit report fee Other fees Other Costs at Closing/Settlement Title search/Title Insurance For lender For you Estimate prepaid amounts for interest, taxes, hazard insurance, payments to escrow State and local taxes, stamp taxes, transfer taxes Flood determination Prepaid Private Mortgage Insurance (PMI) Surveys and home inspections Total Fees and Other Closing/Settlement Cost Estimates Mortgage Shopping Worksheet - continued Lender 1 Lender 2 Name of Lender Other Questions and Considerations about the Loan Mortgage 1 Mortgage 2 Mortgage 1 Mortgage 2 Are any of the fees or costs waivable? Prepayment penalties Is there a prepayment penalty? If so, how much is it? How long does the penalty period last? (for example, 3 years? 5 years?) Are extra principal payments allowed? Lock-ins Is the lock-in agreement in writing? Is there a fee to lock-in? When does the lock-in occur -0 at application, approval or another time? How long will the lock-in last? If the rate drops before closing, can you lock-in at a lower rate? If the loan is an adjustable rate mortgage: What is the initial rate? What is the maximum the rate could be next year? What are the rate and payment caps each year and over the life of the loan? What is the frequency of rate change and of any changes to the monthly payment? What is the index that the lender will use? What margin will the lender add to the index? Credit life insurance Does the monthly amount quoted to you include a charge for credit life insurance? If so, does the lender required credit life insurance as a condition of the loan? How much does the credit life insurance cost? How much lower would your monthly payment be without the credit life insurance? If the lender does not require credit life insurance, and you still want to buy it, what rates can you get from other insurance providers? The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues , visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel , a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. January 1999

property searching by address

Ventura County - Property Tax Information Search for Property Information Please note that credit card payments will not be accepted after 11:45 PM on Monday, April 12th. Tax payments sent in the mail must have a postmark no later than April 12th to be accepted without penalty. Check with your local Post Office for closing times or call toll free to 1-800-275-8777. End April message -- Please note that credit card payments cannot be accepted after 7:00 PM on Monday, June 30th. At that time, the Tax Collector's Office will begin merging the unpaid Secured and Supplemental tax charges to create the 2003-2004 Redemption (past due taxes) tax roll. Any remaining tax charges on the 2002-2003 Redemption tax roll will not be shown here until the merging process is completed. We expect to have the information available again on July 20th. End Year End Message ML -- Notice of Scheduled System Maintenance for County Websites End System Outage Message ML -- Using your Assessor's Parcel Number (APN) is the fastest way to locate your property. While property searching by address will be successful under most circumstances, there may be some properties that will not be found due to unusual address configurations. Please enter the Assessor's Parcel Number (APN) or address below and press the 'Search' button. Assessor's Parcel Number (APN): OR Address: * Street Number and Street Name are REQUIRED to search by address. North South East West Alley Avenue Boulevard Creek Circle Court Drive Freeway Highway Lane Loop Path Park Place Parkway Plaza Road Route Row Square Street Trail Terrace View Walk Way Other -- * Street Number Direction * Street Name Unit # Bell Canyon Camarillo Fillmore Fillmore North Lockwood Malibu Moorpark Oak Park Ojai Ojai North Oxnard Ozena Port Hueneme Piru Point Mugu Rincon Simi Valley Santa Paula Thousand Oaks Unincorporated Ventura Westlake Vlg Other City Assessor's Homepage | Tax Collector's Homepage

Las Vegas Real Estate

Las Vegas Homes | Real Estate Las Vegas Real Estate and Homes Las Vegas Homes Search Homes New Homes Resale Homes Highrise Condos Rentals Homes by City Las Vegas Henderson Boulder City Mesquite Pahrump North Las Vegas Mount Charleston Las Vegas Communities Aliante Anthem Camino Del Norte and Elk Horn Canyon Gate Centennial Hills Desert Shores Green Valley Green Valley Ranch Lake Las Vegas MacDonald Ranch Painted Desert Peccole Ranch Queensridge Red Rock Country Club Rhodes Ranch Seven Hills Siena Solera at Anthem South Valley Ranch Southern Highlands Summerlin Sun City Aliante Sun City Anthem Sun City Summerlin Sunset Village The Lakes Foreclosures HUD and VA Bank Repos Knowledge Center MLS map Home appreciation Real Estate Glossary Airport Noise Map Las Vegas Blog Las Vegas Photos Search New Homes Search Resale Homes FLASH REPORT: Daily Email Updates. Sign up here! Search about 5,000 RESALE homes in Las Vegas and Henderson. Online database with all resale homes available. We will send you detailed information about any house you will like (including address, directions, picture and detailed description). You can also search all NEW homes for sale. The Top Builders in Las Vegas - See Photos and Floor plans - Visit the Communities - Request a List of Homes that match your Criteria. Everything about buying home in Las Vegas High-rise condominiums - Description of the Las Vegas Communities - A few easy steps to buy your new home - MLS Las Vegas (Multiple Listing Service) - 2003 Home & Condos Sales Report! - International Real Estate Buyers Las Vegas House Values What is CMA (Competitive Market Analysis)? How to get CMA by email for free? If you're planning to sell your home in the next 12 months, this FREE service is designed to help establish your home's current market value or suggested listing price. This service is available for sellers only. For your current Home Value click here! One time flat fee to sell your home . New program offer. Only $2,995 Sell your home for low 1.9% commission including advertising and full service. Your house will be advertised on REALTOR.com, BuyVegasHome.com, Yahoo.com Real Estate Classifieds, Homeseekers.com, LasVegasRealtor.com and other websites. Read more about our marketing plan . We will pay for the best quality and the most expensive virtual tour available on the market (iPIX with true 360x360 view). We will also put your house in to the MLS and will take care about paperwork with transaction. Read complete information about our winning marketing plan... How to set Listing price? In setting the list price for your home, there are several things to consider. Try to think like a home buyer. Based on a list of houses for sale in your neighborhood, buyers will determine which houses they want to view. Read here about how to set listing price . Financing & Loans Read about 100% financing loans We've got you covered: - 100% Interest only from 600 credit score, 1 day out of bankruptcy okay - Interest Only from 560 credit score, 1 day out of bankruptcy - 100% Stated Income Loans - No Doc Loans from 720 - First time homebuyer from 580 credit score - 95% loan with a 540 credit score Frequently Asked Questions about Financing Commercial real estate , office space lease, retail space and land - Commercial Lease and Tenant Representation - Investment Real Estate - Land Acquisition and Sales Contact us for buying or selling home Shawn Phillips Call: 702-279-3512 Richard Teausaw Call: 702-215-1549 Diane Moon Call: 702-245-8950 Las Vegas Homes - Las Vegas New Homes - Las Vegas Resale Homes - Las Vegas Homes for rent - Sell your house Please stop by at our office 5348 Vegas Dr. Las Vegas, NV 89108 Call toll-free: (800) 380-2215 John Vanhara President & Broker Office: (702) 212-3513 Email: info@millionsaver.com Considering a career in real estate? You've just found the company that's continuing to set new standards in Las Vegas' evolving real estate market! There are incredible opportunities waiting for you! © 2002-2005 MillionSaverHomes.com. All rights Reserved

foreclosure property, is now

Amazon.com: How to Make Money Buying Pre Foreclosure Properties Before They Hit the County Courthouse Steps: The Complete Guide to Finding and Buying Pre-Foreclosure Properties: Books Your Store Books See All 32 Product Categories Your Account | Cart | Wish List | Help | Advanced Search | Browse Subjects | Bestsellers | The New York Times® Best Sellers | Magazines | Corporate Accounts | Amazon Shorts | Bargain Books | Used Books | Textbooks Search Amazon.com Books Web Search This item is not eligible for Amazon Prime, but over a million other items are. Join Amazon Prime today. Already a member? Sign in . 7 used & new from $76.95 Have one to sell? A9.com users save 1.57% on Amazon. Learn how . See larger image Share your own customer images Publisher: learn how customers can search inside this book. How to Make Money Buying Pre Foreclosure Properties Before They Hit the County Courthouse Steps: The Complete Guide to Finding and Buying Pre-Foreclosure Properties (Paperback) by Thomas J. Lucier (9 customer reviews) Availability: Available from these sellers . 7 used & new available from $76.95 Other Editions: List Price: Our Price: Other Offers: Paperback Order it used! Editorial Reviews Book Description Before Thomas J. Lucier wrote the first edition of How To Make Money Buying Pre-Foreclosure Properties Before They Hit The County Courthouse Steps in 1989, he was making time consuming and costly mistakes. The mistakes were inevitable; no one had written a book on how to buy pre-foreclosure properties, so Tom had to learn the hard way from his own mistakes and first hand experiences. All of the advice that he received said: "buy property on the county courthouse steps after it has been foreclosed on." But Tom eventually learned to avoid those costly courthouse-bidding wars by buying directly from property owners whose mortgage loans are in default and facing foreclosure. And the book that didn’t exist back in 1985, when Tom bought his first pre-foreclosure property, is now in its fourth revised edition. The newly revised fourth edition of How To Make Money Buying Pre-Foreclosure Properties Before They Hit The County Courthouse Steps was released on October 1, 2003, and is comprised of fourteen meaty chapters that are packed chock-full of step-by-step instructions, ready-to-use information and practical, no-nonsense advice. You’ll learn: 1. The difference between judicial and non-judicial foreclosure. 2. How the short payoff sale acquisition technique works. 3. How to get subordinate or "junior" lienholders to discount their liens by fifty percent or more. 4. How to use foreclosure notices to find all of the property owners in your county whose loans are in default and facing foreclosure. 5. How to use direct mail to contact property owners whose loans are in default. 6. How to perform due diligence on pre-foreclosure properties. 7. How to quickly verify loan information with foreclosing lenders. 8. How to accurately estimate the current market value of a pre-foreclosure property. 9. How to negotiate with property owners whose loans are in default and facing foreclosure. 10. How to properly prepare your purchase agreements and protect your interests when buying pre-foreclosure properties. 11. How to package, market and resell pre-foreclosure properties for maximum profit. 12. How to do a thorough pre-buy property inspection. 13. What you need to know about your state’s foreclosure statute when buying pre-foreclosure properties. How To Make Money Buying Pre-Foreclosure Properties Before They Hit The County Courthouse Steps has a fourteen-page chapter on the much-ballyhooed short payoff sale acquisition technique. The problem with ninety-nine percent of the short sales hype that’s currently being foisted onto an unsuspecting public, by unscrupulous real estate hucksters peddling overpriced courses and boot camp seminars, is that it’s based on misinformation, half-truths, distortions and outright lies. And unfortunately, all of this hype has fueled unrealistic expectations on the part of would-be short sale investors, who’ve been led to believe, that every lender in America will approve a short payoff sale, at the drop of a hat. Tom Lucier gives you the unvarnished truth about short payoff sales, along with detailed, step-by-step instructions on exactly how the short payoff of a mortgage or deed of trust actually works. How To Make Money Buying Pre-Foreclosure Properties Before They Hit The County Courthouse Steps comes complete with the following ready-to-use worksheets, letters, checklists, notices, forms and agreements: 1. Short payoff sale checklist. 2. Sample notice of lis pendens. 3. Sample notice of default. 4. Loan breach letter. 5. Borrower’s letter of authorization to release loan information. 6. Foreclosure lawsuit worksheet. 7. Notice of default worksheet. 8. Due diligence checklist. 9. Property tracking worksheet. 10. Short payoff sale proposal letter. 11. Six sample letters to owners in foreclosure. 12. Loan worksheet. 13. Sample HUD 1 Settlement Statement. 14. Sample Fannie Mae broker’s price opinion. 15. Request for mortgage or deed of trust estoppel letter. 16. Subordinate lienholder worksheet. 17. Current market value worksheet. 18. Letter to private mortgage or deed of trust lender. 19. Letter to subordinate lienholders. 20. Thirteen property inspection checklists. 21. Owner interview worksheet. 22. Purchase agreement. 23. Walk-around property inspection checklist. 24. Buyer's closing checklist. 25. Daily repair cost worksheet. 26. Outgoing telephone message. 27. Participating broker agreement. 28. Assignment of purchase agreement. Contrary to popular belief, you don’t need a degree from Harvard Law School in order to make money buying properties directly from owners whose mortgage or deeds of trust loans are in default, and about to be sold on the county courthouse steps at a public foreclosure auction sale. Granted, finding, researching, inspecting, negotiating, buying and reselling pre-foreclosure properties is a lot of hard work. But it can be a very lucrative line of work if you really know what you’re doing, are well organized, and have the persistence that’s necessary to be a profitable investor. And, unlike the roving weekend real estate carnies, late-night, cable-TV hucksters, Internet real estate whiz kids, and a certain Harvard Business School graduate posing as a "real estate savant," Tom Lucier doesn’t claim to know-it-all, and you’ll never hear him promise to make you a pre-foreclosure property millionaire within the next thirty days. The simple fact remains that no real estate investment strategy will work unless you do! From the Publisher This newly revised fourth edition of the first book ever published on how to buy properties directly from owners whose mortgage or deed of trust loans are in default and facing foreclosure, was released on October 1, 2003! See all Editorial Reviews Product Details Paperback: 140 pages Publisher: Home Equities Corporation; 2nd edition (October, 1993) Language: English ISBN: 094534306X Product Dimensions: 1.2 x 10.2 x 11.5 inches Shipping Weight: 2.1 pounds. Average Customer Review: based on 9 reviews. ( Write a review. ) Amazon.com Sales Rank: Today: #337,845 in Books Yesterday: #332,142 in Books (Publishers and authors: improve your sales ) Other Editions: Paperback | All Editions Customers interested in this title may also be interested in: Sponsored Links: What is this? Pre - Foreclosure Profits How-to for beginners, veterans: 35-50% discount, little competition www.PropertyForeclosure.com Pre - Foreclosure Listings Daily updated pre foreclosure listings with phone numbers www.defaultresearch.com Make 10,000+ Per Month Automatic System to Make Money Start within 15 mins from now! www.AutomaticMoneyVault.com Feedback Spotlight Reviews Write an online review and share your thoughts with other customers. 30 of 31 people found the following review helpful: How to Make... , February 20, 2004 Reviewer: Disgusted (USA) - See all my reviews If you look over the positive reviews, you notice they are all written by commonly named individuals with no location listed. Furthermore, all of the comments use the same verbage and contain similar idiosyncrasies. Someone tell the author or the author's friends to stop writing positive reviews to boost sales. Instead, use that time being wasted to do some research and write a decent book. Was this review helpful to you? ( Report this ) Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 10 of 11 people found the following review helpful: A Very Satisfied Reader In Los Angeles, CA , March 1, 2004 Reviewer: Clyde (Los Angeles, CA) - See all my reviews This is the absolute best book ever written about buying property directly from owners in foreclosure! The chapter on short payoff sales is just plain brilliant! No fluff, no filler and no white spaces! Was this review helpful to you? ( Report this ) 8 of 11 people found the following review helpful: Rudimentary , February 26, 2004 Reviewer: "mjm1005" (Colorado) - See all my reviews This book is pretty basic and not worth the money. Lucier must be trying to make money on the book and not on in real estate. A real disappointment. Was this review helpful to you? ( Report this ) 30 of 35 people found the following review helpful: Basic , July 13, 2003 Reviewer: This book could be replaced with 2 hours of internet research. Many of the pages just list websites and "worksheets" that are used as filler. Was this review helpful to you? ( Report this ) 26 of 34 people found the following review helpful: BEGINNERS BOOK , March 19, 2003 Reviewer: This book is a beginners book it truely does not get indepth into what happens and how to deal with the bank on short sales or buying the note. Was this review helpful to you? ( Report this ) 3 of 8 people found the following review helpful: How To Make Money Buying Pre-Foreclosure Properties , February 22, 2003 Reviewer: paul wells (Henderson, NV-USA) - See all my reviews Thomas Lucier has created a unique opportunity for anyone, anywhere, reguardless of past experience or knowledge reguarding Real Estate, Investing or Sales ability to take his material, read it, digest it and then apply what they have learned, and create a business that not only results in financial rewards for you as an investor, but puts you in a position of becoming a problem solver by helping people who truly need help,that do not know how to solve their problems,or even where to turn. His information gives you a straight forward step by step approach, from beginning to end, and is loaded with invaluable resources such as agreements, documents, and web sites that will give you the exact information you need to initiate and complete a successful transaction from the very begining through completion. When was the last time you paid for something you saw advertised or heard about that you purchased , just to find the hype and promotion proved to be overdone and the product was a dissapointment? Happens all the time. The invaluable information and knowledge you will gain from Thomas Lucier will last you the rest of your life and you will feel GUILTY that you paid so little for it. Get it in your hands as quickly as you possibly can, and apply it, because I promise you, opportunities are never lost......some one will take the ones you miss! Was this review helpful to you? ( Report this ) See all 9 customer reviews... 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