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Purchase both residential and commercial properties regardless of your credit background or financial standing. Perfected, legal in all 50 states, proven and documented nationwide and internationally since 1989. Not offered through television infomercials, books or seminars anywhere.
AT LAST! In 30 days or less you can easily acquire a home for your
family or several investment income properties with NO LOANS,
NO BANKS, NO COLLATERAL and NO CREDIT CHECKS!
If you personally are not interested, please think
of a family member or friend we can help.
Dear Friend:
My name is Christine. My profession is mortgage banking. I want to thank you for visiting our website. I really appreciate your interest and guarantee not to disappoint you. What I am about to share with you has been helping families get their own homes and investors acquire income properties all without banks, credit checks or headaches since 1989.
Whether you want a home for yourself or your family, rental income housing, or commercial investment properties and have credit problems or little or no financial resources, traditional banks may be a nightmare for you to deal with. The majority of bankers all work the same way -- they first focus on applicants with spotless credit and strong financial stability. If you have credit blemishes and/or limited finances you'll most likely end-up wasting your money on non-refundable credit checks and application fees costing up to $65.00. Thorough credit checks, which banks charge for, include all three major bureaus and are required by all mortgage-banking firms.
Then, they will offer "No Money Down Financing." What they DON'T tell you is that you need a credit score of at LEAST 680, AND that it's actually TWO mortgages, one for the downpayment, and a second for the home itself. Each has its own set of fees! Sometimes mortgage companies will roll these charges into the total loan fees. However, this is rarely done unless the loan officer processing your application is almost certain your loan will be approved. Ninety-nine (99) percent of all applicants must pay these fees whether or not they are approved.
Here's why all other real estate programs offered through mortgage banking firms, television infomercials, books and seminars fail miserably!
1) Bank Red Tape
Every Real Estate acquisition method offered through books, seminars or television infomercials all have the same problem -- they rely on your credit history to be successful. They all claim to help you get your own home or investment income properties; however, if you pay attention to the testimonials, you'll figure out that what they are offering does not work for people with credit problems.
Think about it, every time you see one of their advertisements they always have testimonials of clients stating they completed their transactions at the closing table. Closing tables, as they are referred to, are located in title companies and title companies work almost exclusively with banks. So now you're right back to the same strict banking regulations, which focus on your credit. Even if you do have great credit and are interested in purchasing investment properties, traditional banks will limit the number of properties you can buy.
2) Unrealistic Buying Parameters
Another major reason why most people are unsuccessful is that they have to find properties priced at 30% to 50% under market value, which simply isn't realistic in many areas, unless they'll settle for anything. This considerably narrows the number of properties you can look at in the locations you would prefer to make a purchase. If you're lucky enough to find a property you're interested in at a location you want, you'll have considerable competition from other interested buyers.
Programs on the market that typically have these problems are those that advertise that they'll let you use their money to buy real estate then split the profits with you once the property is sold. Programs such as these always require you to locate property so cheap that you often can't find anything and end up wasting your time and money.
Real Estate programs like this work best in depressed markets where you can buy properties dirt-cheap, but even in depressed markets you'll still have considerable competition. In those cases, the person with the most cash wins. For any foreclosures, distress properties, or bank owned buildings, cash is the ONLY option. You can't even get into an auction without a minimum amount of cash up front, and the rest in the bank, ready for immediate withdrawal.
These programs typically attract individuals interested in earning income through real estate investing, not home buyers. They really don't help either one...
3) No Help From a Qualified Professional
If you can't get qualified help from a proven professional you're just wasting time and money. It doesn't matter if your interests are investment properties, buying and flipping properties or purchasing your own home -- you need one-on-one help! There are some very sophisticated looking real estate programs on the market. Some have video tapes, audio tapes and even CD ROM's. But, what you really need is a real person for direct help, and you're usually stuck with some customer service representative who has never had personal experience. If the real estate program doesn't offer one-on-one consultation with a truly qualified individual you're on your own, and most often end up wasting your money.
Well, that's enough talk about what doesn't work. Now, let's talk about what does work
The ultimate Real Estate Acquisition system, which now exists, works for everyone regardless of credit or financial resources!
- Acquire properties at up to 100% of their market value. This makes finding a single property for yourself or several investment properties much easier.
- If your interest is to acquire investment properties, you'll have no limit to the number you can purchase while building an unlimited residual monthly rental income. When buying and flipping property you'll keep 100% of the profits.
- It doesn't matter where you live; this works great in any market no matter what your goals.
- You can even purchase commercial properties and the best part is that you never have to rely on banks.
- Think about it: No Banks, No Loans, No Credit Needed, No Co-Signers, No Partners and No Red Tape.
- You will not be dealing with real estate options. You will be the owner of any property or properties you acquire with all the tax benefits of a homeowner.
- Several low money down options available for home buyers to fit almost any budget.
- If you're an investor, we'll help you easily create no money down arrangements for yourself by using others people's money (OPM).
- Acquire either residential or commercial property.
Sound impossible? Well, not long ago you would have never convinced me that this was all possible, especially with my mortgage banking background. However, regardless of what I used to think, not only is it possible, it's successfully stood the test of time and been perfected over many years. Families the banks turned down are now in homes. Real estate entrepreneurs are acquiring residential and commercial income properties and raking in huge profits. What really impressed me was that everything was documented and proven to work for people of all backgrounds. Regardless of what anyone may think, this is a genuine, proven and fully validated way to acquire real estate no matter what your objective.
Recently, I was lucky enough to meet the mastermind behind these highly effective real estate acquisition techniques. The gentleman's name is M. N. (Manny) Protopapas. Since 1989 Manny has been a Real Estate Acquisition Specialist helping people with credit problems acquire their own homes and investment properties in as little as seven days of working with him through his exclusive "Real Estate Acquisition Program". What Manny helps people do is not taught through any books, outlined in any school or seminar and certainly not sold through television infomercials. In fact, nothing sold or offered anywhere even comes close. You need no credit, no co-signers, no partners, no loans, no banks, and no red tape. Manny also practices what he preaches. By using his own methods Manny has purchased and sold several properties earning himself a stable above-average income.
THIS IS THE NUMBER ONE REASON YOU WILL BE SUCCESSFUL NO MATTER WHAT YOUR GOALS
FREE one-on-one Consultation through every step of the real estate buying process.
Nothing takes the place of experienced qualified one-on-one help!
A.R. - Toronto, Canada acquired the home they were renting.
A.C. - Ligonier, PA has just acquired two properties, one to live in, the other to rent all in 30 days.
J.H. - England acquired a four-unit investment property within 4 days.
A.S. - London Ontario, Canada acquired a single-family investment property within 48 hours.
P.H. - Hartsdale, NY acquired a 5-unit Florida property and office space within 30 days.
B.P. - Marietta, GA acquired a home for her son in 7 days.
C.J.H. - Scranton, PA acquired a duplex within 15 days.
YOU WILL BENEFIT FROM YEARS OF EXPERIENCE
Over several years Manny has built solid long-lasting relationships with numerous alternative funding sources. Manny's years of experience in all aspects of acquiring real estate means that his clients (YOU) get the results they're looking for.
Manny's transactions are structured in order to create an aggressive offer and arrangement that is acceptable to all parties so that you will acquire your own property or investment properties within days.
You only need to supply some basic information about the property.
Depending on your objective: acquiring a home for yourself or acquiring income properties or commercial properties a financing arrangement can be structured to accommodate your objective. All the mechanics are handled for you with very little effort on your part.
100% COMPLETE TURN-KEY SYSTEM
Manny's system is complete from start to finish. You'll receive assistance with every step of the process from direct negotiation with the home seller to financing the property with one of Manny's several alternative funding sources. You will not be left alone during any step of the process and you'll receive proper help when you need it.
My personal motivation is to help families hoping to buy a home of their own. The entire mortgage industry turns away so many hundreds of thousands of people each year and what Manny has perfected will work for every individual the banks are turning away. On the other hand, if your objective is to acquire one income-producing property or over a million dollars worth of properties, this can easily be accomplished. If you're interested in buying and flipping properties, Manny can show you how to quickly earn $5,000.00 to over $10,000.00 clear profit or more on each property.
Documented Testimonials on File
"Dear Manny: You'll be glad to know I am now the owner of a four-plex here in Greenville using your program. I start collecting rents January 1St" . R.P. - Greenville SC
"As an investor, when you consider the multi-faceted ways your concept can be applied for financial security, it boggles the mind". B.R. - Hemet CA
"Your program has helped me a lot! I really have a feeling of self-confidence that I'm in control of my future. Thank you for your help in acquiring the 12-unit office building_ and you have been a GREAT help on the phone". D.G. - Belleview FL
"Less than ten days after we made the offer we were starting to move into our new building. The owner was thrilled and we got into the building a lot cheaper (we didn't pay any closing costs either). No hassles. No red tape. No waiting for the bankers to say "yes" (or "no"). It was the fastest and easiest Real Estate deal I had ever done". J.F. - Cleveland TN
I wish I could contact everyone with credit problems before they apply for a traditional mortgage and tell them to contact Manny's office first. At least they wouldn't be wasting time and up to $65.00 in non-refundable application fees and credit checks. Manny's methods are already proven to work for all these people.
What Costs Are Involved
When Buying Real Estate
First, it's very important you understand there are two expenses involved with every real estate transaction. One is the actual real estate cost and the second is the finance charges or closing costs.
For example, let's say a home buyer was applying for an FHA loan (which requires reasonably good credit) through the regular mortgage banking channels. The applicant would generally be required to have 3% to 5% in down payment money which is used toward the real estate side of the transaction. However, what about the loan closing costs?
For an FHA loan closing costs average 2 3/4 % of the real estate cost. Based on a $100,000 loan that's $2,750 in additional funds needed.
On conventional loans designed for individuals with credit problems closing costs can be considerably higher. The higher interest rate will also cause the monthly payment to increase. In addition, the percentage of down payment needed toward the real estate cost will also increase. Required down payments for credit-impaired applicants can easily be 10% to over 20% in some cases. Based on a $100,000 home this could easily equal $10,000 to $20,000 in down payment toward the real estate cost not including closing costs.
So, who pays for the closing costs? Either you or the property seller! Sometimes property sellers are willing to pay the closing costs in full, other times they're not!
Keep in mind, if a property seller is offering their property through a real estate agent usually there are two agent commissions involved. The listing agent and the selling agent each averages 3% of the selling price for a total of 6%. Sometimes this can be as high as 7% total depending on the agreement the property seller signed with the listing agent.
Now put yourself in the position of the property seller. They're already giving up 6% to 7% of their selling price in agent commissions. Now they're being asked to give up another 2 3/4% or more to cover closing costs. Would you do it? Well, of course, the answer is some will, some may pay for part of the closing costs and some will flat out refuse. Would you really blame them?
When you acquire real estate through Manny's creative financing methods you'll get a home or investment property and pay less money out of pocket than any program available through the ordinary mortgage banking industry!
With direct consultation for both home buyers and investors with even the most severely damaged credit histories can buy real estate for less money out of pocket than those people with perfect credit dealing directly with traditional banks. This is unheard of for people with credit impairments and/or for those who can't prove their incomes.
Manny's real estate acquisition techniques have helped several investors acquire property with no money down by using other people's money (OPM). Occasionally, it has been arranged that the property seller pay for all or part of the total move in costs for home buyers. However, please be aware that this is unusual. Zero down transactions rarely happen for home buyers for the simple reason that some expenses cannot be avoided, but the possibility does exist.
When comparing the high approval failure rate with mortgage banking firms and their non-refundable fees to Manny's proven and documented success record, there's no reason to go anywhere else. With Manny, you're backed by years of proven methods to acquire real estate regardless of your credit, finances or objectives. The bottom line is that Manny's program works, and works extremely well.
If you are serious about acquiring a home for your own use, investment properties or commercial real estate in 30 days or less, let's get you started today!
Please click on the "Contact Us button below to get in touch with our Associate for further details.
Sincerely,
Christine Gobbo
P. S. Don't forget about commercial transactions. Our Clients have acquired up to $7,000,000.00 commercial buildings through Manny's program. If you would like to enter into commercial real estate but have limited funds, we'll help you raise capital through flipping single-family homes, then help you acquire your first commercial property with a low down payment.
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