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You can Avoid Personal Financial Catastrophe!

Robert Zuniga — Sat, 19 Sep 2009 11:35:35 +0000

Are you considering: loan modification, foreclosure, short-sale, credit counseling or even bankruptcy?

Are you struggling with more debt than you can afford?

Are you having trouble with your budget? If so, Todd can help!

You will learn valuable tips that your attorney, accountant or financial planner should’ve told you, but didnt—that could save you thousands of dollars, or even save your home!

Todd Rooker, President and Founder of Armor Financial Services in Minneapolis MN, has extensive experience in assisting consumers with these very issues. This video introduction gives realistic options and how you can minimize the damage and rebuild your credit and personal finances.

St Paul Real Estate-Buy Houses-Do NOT Waste Time With Newspaper Ads

Robert Zuniga — Sun, 12 Jul 2009 18:52:17 +0000

Here’s a secret, real estate agents create ads for one purpose – to make their phone ring!

Advertising their listed properties is a great way for an agent to generate leads – buyers and potential sellers.

You can’t rely on an ad to get an accurate overview of the property. The remarks don’t mention the drawback, and what’s not mentioned in the ad is usually more important than what is.

The lesson is to be very careful when reading an ad.

Remember that the person writing the ad is representing the seller and not you!

The most important thing you can do is have someone on your side looking out for your best interests.

Working with a buyer’s agent on your side provides a wealth of knowledge and experience.

Your agent will not only guide you through the home buying process, they are also extremely valuable when critiquing the property and evaluating how well it meets your needs. A good agent and will point out any drawbacks you should know about.

As in every profession — not every real estate agent is equal. Some have different niches that they specialize in, such as shoreline property, investment property, or first time home buyers.

You want an agent that can help you find the best property for you. Be aware of the benefits and rights created by this agency relationship.

When an agent gets word of a “great deal” who do you think he’s going to call? His client, who he has a legal obligation to work hard for you, or someone who just called on the phone and said “Let me know if you see anything?”

So, to get the best buy on a property, hire your own agent and stick with him or her.

If you would like more details on the contents of this blog, don’t hesitate to contact me at (651-343-9940), I am here for all of your real estate needs.

I’d be happy to set up a FREE consultation with you to help you achieve the dream of home ownership.

Robert Zuniga

651-343-9940

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I’m ready to Buy A Home : http://www.buyhousesstpaul.com/

I’m ready to Sell A House : http://www.sellhousesstpaul.com/

St Paul Real Estate Investment Deals Sign-Up : http://stpaulinvestmentdeals.com/

St Paul Real Estate Investment Deals Blog : http://stpaulinvestmentdeals.com/investordeals/

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St Paul Real Estate-Houses Area Cities Defined

Robert Zuniga — Tue, 07 Jul 2009 06:26:10 +0000

Saint Paul is also known as

Apple Valley,

Arden Hills,

Dellwood,

Eagan,

Falcon Heights, Falcon Hgts,

Fort Snelling,

Landfall Village, Landfall Vlg,

Lauderdale,

Little Canada,

Mahtomedi,

Maplewood,

Mendota Heights, Mendota Hts,

Mounds View, Moundsview,

New Brighton, New Brighton Old,

No Oaks, North Oaks,

N Saint Paul, North Saint Paul, North St Paul,

Oakdale,

Pine Springs,

Roseville,

Shoreview,

Sunfish Lake,

Vadnais Heights, Vadnais Hts,

W Saint Paul, W St Paul, West Saint Paul, West St Paul,

White Bear Lake, White Bear Lk, White Bear Township, White Bear Tp,

Woodbury.

http://www.StPaulInvestmentDeals.com for main page

St Paul Real Estate-House Buyers–Help is just a click or phone call away!

Robert Zuniga — Mon, 06 Jul 2009 18:56:26 +0000

I want you to know it is our goal here at Investor Catalyst to help people find the home of their dreams.

We do this by educating all of our clients about the home buying process.

Here are just a few of the ways we can help you:

1. We can help you find the best possible financing
2. We will help find a property below market value
3. We can educate you so you make the right decisions during your house hunting.
4. If you’re interested in investment properties we can help you get started

Contact me at 651-343-9940, I am here for all of your real estate needs. I’d be happy to set up a FREE consultation with you to help you achieve the dream of home ownership.

Robert

Robert Zuniga
Investor Catalyst
2355 Fairview Ave N 106
St Paul, MN 55113
651-343-9940

http://www.buyhousesstpaul.com/

New properties come up for sale made available to me through my network of investors. For FREE access to these opportunities, feel free to call me (651-343-9940) for the latest updates. One of which may be the home of your DREAMS! I am here for all of your real estate needs. I’d be happy to set up a FREE consultation with you to help you achieve the dream of home ownership.

St Paul Real Estate-Making Offers and Closing the Deal

Robert Zuniga — Thu, 02 Jul 2009 11:56:39 +0000

When You Find The Home You Want, How Much Should You Offer?

This is when your real estate broker can help you the most.

Your Realtor will do a comparative analysis of similar homes in the neighborhood which are currently on the market, under contract, and those that have closed in the recent past.

They will give usually give you a small range in which they see the home selling for.

Remember, this figure is a recommendation; the amount you offer is always up to you.

You need to take into consideration how much the mortgage will be, make sure you can really afford what you are offering.

How much you really want the home may also affect the price you offer.

What If Your Offer Isn’t Accepted?

Well, Offers are very often rejected which doesn’t mean “game over.” They often are!

But don’t let that stop you.

You may receive a “counter-offer” from the seller.

Now you begin negotiating. Your broker will help you.

There are several terms in the contract that you can adjust in addition to the price to make your offer more appealing.

Often your Realtor might learn the seller has a specific date they are looking to close on or maybe they would like to see a slightly higher down payment.

You may have to offer more money, but you may ask the seller to cover some or all of your closing costs or to make repairs that wouldn’t normally be expected. Often, negotiations go back and forth several times before a deal is made.

So What Will Happen At Closing?

The closing will usually take place at either your attorney’s office, the seller’s attorney’s office, or in some cases the real estate brokers office.

The closing agent will have a large stack of papers for you and the seller to sign, he or she will give you an overview of each paper, and you may want to take the time to read each one or consult with your agent about what it is that you’re signing.

Be sure you have review your “good faith estimate” and have the appropriate amount of funds at closing.

After that, the keys are your and “welcome home”

Now is the time to understand all your options when working with a Real Estate Investor (hint: we buy and sell houses with negotiable terms and price).

http://www.BuyHousesStPaul.com/

I’d be happy to set up a FREE consultation with you to help you achieve the dream of home ownership.

Robert Zuniga
robert at stpaulinvestmentdeals.com
651-343-9940