The 2025 Home Buyer's Guide
One of the biggest problems in our industry is how to get one’s offer accepted even when it is viewed uncompetitive in the seller’s eyes.
This guide outlines in detail and in the order of importance, how you can put yourself into a position to get your purchase offer accepted with the best deal, lowest price, and best interest rate!
This guide was developed over the last 35 years and is based on my experience with thousands of borrowers and real estate agents. Buyers who work the way I suggest here will have the best experience they could possibly have buying their next home.
Author: Ralph J. Migliozzi
Purchase: Free Download
The Essential Home Seller's Guide
Author: Ralph J. Migliozzi
Purchase: Free Download
Selling Homes With Negative Equity: Avoiding Short Selling and Foreclosure
This guide will provide attractive techniques to sell these properties with little out of pocket expenses and possibly some cash gains. The subprime crisis devastated the equity of many homeowners who are now unable to sell their homes.
Now it's your chance to strike back.
The general audience for this book includes buyers, sellers, real estate agents and mortgage brokers looking for successful problem solving and closing techniques for distressed properties. These properties include pre-foreclosures, short sales and seller distressed properties (homes under-water). All of these situations present unique challenges that require effective targeting, negotiation skills, and creative solutions to bring about successful acquisitions.
Finally, the appendix discusses what the options are for those facing foreclosures. Can one stop a foreclosure from taking place? Under certain legal conditions, not only can the foreclosure be rescinded, the borrower’s loan can be completely forgiven in some situations!
Here's everything you need to know.
Author: Ralph J. Migliozzi
Purchase: Free Download
Author: Ralph J. Migliozzi
Purchase: Free Download
Unlocking the Complexities of Reverse Mortgages
The Choices for Reverse Mortgages are NOT Obvious. It might be obvious that a reverse mortgage operates exactly opposite of a traditional mortgage. What is not so obvious, but should be, is that the best features of a reverse mortgage are also the opposite of a traditional mortgage.
What does this mean?
It means that the particulars one is looking for in a reverse mortgage are not the same things they look for in traditional mortgage. This ebook will show why reverse mortgages have to be interpreted completely differently than traditional mortgages.
Unfortunately, most loan professionals have not recognized this and are selling these products, to the detriments of their clients, incorrectly. The program a senior takes is determined primarily by 3 things:
- Is the reverse mortgage temporary (less than 5 years) or life long?
- What are their immediate cash needs and monthly income needs?
- Which program maximizes my benefits? In other words, which Reverse Mortgage product allows me to access the most equity in my property.
This is the primary goal and if your lender stresses some other factor over equity access, you are working with the wrong lender and I will show you why.
Author: Ralph J. Migliozzi
Purchase: Free Download
The Foreclosure Game
What does this Book Attempt to Accomplish and who is it for?
The first half of this book is designed to help buyers find and close great deals on distressed properties as described in the first 3 chapters.
The general audience for this book includes buyers, sellers, real estate agents and mortgage brokers looking for successful problem solving and closing techniques for distressed properties. These properties include foreclosures, REO’s, short sales and seller distressed properties (homes under-water). All of these situations present unique challenges that require effective targeting, negotiation skills and creative solutions to bring about successful acquisitions.
Although the book deals primarily with buying distressed properties, the second half of this read is dedicated to helping underwater home owners who do not wish to short sell their homes. Since most real estate agents can’t help home owners in this situation, this section offers tips for those who will have to market their own homes with creative financing solutions.
The techniques and steps for selling unmarketable, owner distressed properties (homes worth less than what is owed), are discussed in detail. Real estate agents and loan agents can also benefit from understanding how to assist home owners in this situation.
Additionally, credit and income challenged buyers, who are unable to qualify in traditional ways, can also benefit by using the techniques in chapter 5 to approach sellers who are motivated to sell homes.
This concise, how to, guide provides techniques that will yield the reader at least 100 times the purchase price, if used correctly, and up to 6 figures if his or her timing is on target.
Disclaimer: The techniques offered in this book will not guarantee that anyone will make money or secure great deals. Although the information is powerful, it requires skill and hard work that this guide cannot provide. It is up to the reader to apply his or her talents to these methods. The varying degrees of talent that people possess are of course completely subjective. Still, if one possesses the acumen for the methods expressed here, he or she should yield excellence results. This book is for educational purposes only and should not be construed as legal advice.
Collateral Damage: Life as a Mortgage Broker - Paperback
This comical and tragic account explains the whole amazing subprime catastrophe through the story of one man and chronicles the career of a conflicted mortgage broker.
Mortgage brokers dominated the lending industry for 25 years before succumbing to the lure of ever riskier products that relentlessly blurred their moral principles.
In the end, common sense was compromised by fear of losing to the competition.
Here are the outrageous, and sometimes hilarious, stories of the sale's antics of all the players of the subprime crisis.
364 Pages
