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How To Owner Finance Your Home

You\’ve seen the real estate ads in the classifieds section of the newspaper: \”Owner Financing Available\” or \”Owner Will Carry\”. An owner financed real estate transaction enables the buyer of the property to make payments directly to the seller.

This allows the buyer to purchase the real estate without having to apply for a mortgage from a bank or financial institution. The seller also has the option of selling the loan to an investor for cash.

Of course, there are lots of variables that work into a price offer including type of property, location, age of house, equity, is the buyer making the monthly payments, etc. These are just some of the things an investor likes to see. Investors buy all sorts of real estate notes and deeds of trust. Every house is different, every loan is different and every deal is different. Use the above list to make the loan more attractive to an investor.

ADVANTAGES OF OWNER FINANCING THE SALE

Sell Your Property For Your Desired Asking Price
A buyer may be perfectly happy to pay market value (and maybe more) for a house that requires a smaller down payment and that a bank won\’t help them finance.

Charge a Higher Interest Rate Than a Bank Would Give
By charging a higher interest rate than a bank (say 7.5 – 8.5%) you are, in effect, increasing the overall sales price of the property, and making the note more attractive for an investor.

Faster Sell
You can sell a home with owner financing a lot quicker than with bank financing and there can be tax advantages in spreading the buyer\’s payments out over time (talk with an accountant about that).

Great Monthly Cash Flow Investment
Many owners simply like the idea that they can receive a monthly income and a high interest rate from a property even after they have sold it – and no longer have to worry about repairing leaky roofs or replacing dead water heaters.

Sell The Note To An Investor
A seller who owner financed the deal also has the option of selling that note to an investor for cash either right after closing or after waiting a number of months or years (give me a call or email and I can get you more information about selling your note).

DISADVANTAGES OF OWNER FINANCING THE SALE

Cash At Sale = Small Down Payment
Seller receives only a small or even no down payment.

Buyer Won\’t Pay
The seller takes the risk that the buyer will not make payments and will have to be foreclosed on.

Due-On-Sale Clause
If I owner finance my house won\’t I activate the Due-On-Sale Clause in my mortgage and if I\’m only getting a small down payment and monthly installments how will I pay the bank loan back?

The Due-on-Sale Clause is a provision in a mortgage or deed of trust that allows the lender to demand immediate payment of the balance of the mortgage if the mortgage holder sells the home. It is probably the most talked about, feared and misunderstood topic in real estate.

The link below is to a great article by real estate lawyer William Bronchick and will dispel any misunderstandings you may have about the due-on-sale and suggest some simple, yet effective strategies to get around it.

There Is No Due-On-Sale Jail

You can also do a simultaneous closing, where a few days after the close of the house with the buyer you receive a check for the note from an investor.

If you\’re going to owner finance your home and you know you want to sell the note this is a great way of doing it because the investor is there for the whole process and you don\’t have to start over again 6 months later with another appraisal, inspection, credit check, etc.

REAL ESTATE PROFESSIONALS – Providing owner financing could mean the difference in having your client sell their house quickly or having it sit on the market for months, years or not selling it at all.

Asking a seller to offer owner financing to buy their home can be a tricky proposition. Sellers often reject the suggestion of owner financing because nobody has explained the benefits or proposed owner financing as a way to sell the home. Most sellers\’ knowledge is limited to traditional bank mortgages.

If you would like to share the option of owner financing with your client, download my free ebook, \”How To Owner Finance Your Home\”, which explains the owner finance process in detail. Download it and you\’re more than welcome to put your own name and business logo on it and hand it out. It\’s a great way to introduce the concept of owner financing to your client.

BIG TIP OF THE DAY:If you\’re going to draw up a contract to owner finance the sale of your house have an experienced real estate attorney look it over. It might cost you $400 or $500 (maybe more, maybe less depending on what state you are in) but it might save you a lot of heart ache in the end if the buyer stops making payments, they make unauthorized modifications to the house, which might still be in your name, or there is some other unforeseen event (you know there will be).

An experienced real estate attorney has drawn up hundreds of these kinds of contracts and will be able to give you great advice. Well worth the money.

 

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Electronic Cigarette Safety

Much has been said and written about smoking as a dangerous health problem. Each and every person who smokes is aware of the fact that their habit could hasten them towards death. Smoking is known to be one of the carcinogenic factors, and could lead to a wide variety of cancers including lung cancer and oral cancer. Smoking also causes various breathing and respiratory problems.

But despite knowing all this, people are reluctant to give up smoking. The main attraction of smoking is the tobacco smoke, which is an addictive. In addition, tobacco smoke also contains nicotine, which is deadly poisonous to human beings in its pure form. Tar is another harmful ingredient. This can clog the lungs over time.

Many smokers have intentions to give up smoking, but cannot go about it in the right way. The main reason behind their inability to give up smoking is its addiction. Of course, a person wishing to give up smoking must have a steely determination to do so. But many a time that is not enough. The body may react violently to the sudden giving up of smoking. For this reason, it is necessary to fortify the body also.

In Ayurveda, there are some good techniques in which the body can be trained to cope up with the reduced smoking habits. This article tries to list some of the better Ayurvedic techniques in helping smokers in their quest of giving up smoking.

Dietary Methods to Stop Smoking

By changing your dietary lifestyle, you can make an effort to quit smoking. The following guidelines can be followed:-

- Do not consume more of acidic foods. Increase the quantity of alkaline foods in the diet. This changes the food preferences of the taste buds and helps them to adapt themselves to the de-addiction. Foods such as raisins, beets, lima beans, dandelion, etc. are very good for people who are giving up smoking.

- Have a good amount of vitamin C intake. This increases the hormones that help the body strengthen. Have a glass of orange juice or grapefruit juice twice daily.

- Sweet foods also help a bit to reduce the urge for smoking. Honey must be liberally used in the diet in different forms.

- Keep your food well supplemented with sources of proteins, amino acids and all the different kinds of vitamins.

- Have a glassful of water with a teaspoon of baking soda in it with every meal. This not only helps to digest the meal properly, but it also helps to reduce the urge for smoking after the meal. Electronic Cigarette Safety

Home Remedies to Quit Smoking

- Whenever you feel the urge of smoking, eat something salty, or lick a little salt with the tip of your tongue. Your craving will go away. If you do this every time you feel like smoking, you will be totally cured of the addiction.

- Grate some radish, strain it and extract its juice. Mix some honey in it. Have this juice twice a day. This is a good remedy for raising the body’s tenacity against smoking.

- Licorice sticks have a placebo effect on smokers. Smokers like to have something in their mouths. So, some experts suggest them to chomp on licorice sticks. These are safe substitutes for the cigarettes. Putting some chocolates in the mouth also help to reduce the urge of smoking. But excessive chocolates are dangerous to health in other respects.

- Chew on sugarcane stubs as a substitute for cigarettes. Sugarcane stubs are very harmless, and their sweet taste helps to reduce the urge for smoking.

- Aromatic oils and fragrances are very good for smokers. A massage with aromatherapy oils can really go a long way in curbing the smokers’ urges.

- When there is nothing around, experts also suggest a certain breathing therapy to stop the craving for cigarettes. When you have an urge, sit down in a calm place. Take ten slow and deep breaths. By doing so, you are stimulating your respiratory system. This will slowly help your urge for smoking to subside.

- Foreign herbs such as valerian, chamomile, hops, skullcap, lobelia and peppermint are also very beneficial in suppressing the urge for smoking. Electronic Cigarette Safety

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Creativity.

This is one virtue a site must possess to lead the race in the ruthless competition in the Internet home based business. With so many competition and rivalry going on, every method of marketing must be employed and utilized.

It does not matter if you have a killer product or a fantastically designed website, if people do not know that you exist, it does not matter, and you are not going to make it big. Worse of all, you Internet home based business could just get killed.

While there are so many methods and schemes used by so many e-commerce sites today, there are still some of those that can help you with an extra boost in the popularity ratings. One of these is the so called Internet Viral Marketing.

While the term Viral easily depicts a virus, a word very much dreaded by all computer owners, it is not what it seems. You do not actually use a computer virus to spread your internet home based business; on the contrary it just might kill you. Everyone has had enough of all those pop up ads and spywares.

Internet Viral Marketing Overview

Internet Viral Marketing also known otherwise as Internet Viral Advertising is a marketing technique used to build the public awareness of one’s product or company. They use many forms of media to reach out to the public without actually promoting the product by riding on in other forms of addictive means that could get a person hooked and be obliged or amused to actually pass it on, with the product or company advertisement along with it.

In a nutshell, companies ride on the idea that if people like the content of a media they will pass it on to their friends and family. They sponsor the certain media, such as a cool flash game, funny video, amusing story and such, which one may pass on to another with the company brand or logo or the products description or any other content to help promote the company or its product.

Internet Viral marketing has become a popular means of advertising and marketing because they are relatively low cost. To avoid being tagged as spam mail, Internet viral marketing counts on the eagerness of one person to pas on the product. If a person sees the name of the person they know as the sender, they will not block it and open it as well.

Many companies offer incentives such as discounts and rebates when they help in spreading their Internet viral marketing. They rely on the number of recipients an Internet viral marketing gets from one person in determining the amount or number of incentive they can be attributed with.

Using Internet Viral Marketing to your advantage

The main and foremost advantage of Internet viral marketing is that you get a lot of publicity and public awareness about your site and your company. You get to generate a flow of traffic that are potential customers. With a little ingenuity and imagination, plus some incentives or prizes, you can reach out to a great number of people and announce your existence.

Most every site and companies are catching on to the effectivity ofInternet Viral Marketing and Advertising. Not using it could kill your Internet home based business. Along with other schemes and methods in promoting your site, like Search Engine Optimization and such, Internet viral marketing could easily push you ahead in the rating games.

Internet Viral Marketing could be a sneaky way to get people to know about you and your company. You get them to pass your advertisement along. They are also very low cost that not investing in it could be downright a business suicide. All it takes is a great idea, a good addicting game, a funny story many ideas are still out there. Create a gossip or a buzz, many movies are promoted by using scandals and gossips to make them moir? popular. Remember the movie “The Blair Witch Project”?

Many big companies have tried Internet viral marketing and have had many success stories with it. A classic example is Microsoft’s Hotmail. They were the first known big company to utilize the scheme and it has worked wonders for them.

Now it is your turn to use Internet viral marketing to work wonders for you. Act now and reap the benefits Internet Viral Marketing will provide for you and your sales figures.