• Behind on your mortgage?

• Is your mortgage more than the current value of your home?

• Are you experiencing a financial hardship?

• Are You Facing Foreclosure?

• Can you no longer afford your home?

You are not alone! Know Your Options!

We will negotiate with your lender on your behalfto accept less than you owe on your mortgage, and forgive the difference; this is called a Short Sale! With a Short Sale you can basically list your home for FREE since my fee is paid by the lender - all while protecting your credit!

Call TODAY for a confidential interview!

727.247.6355 

Oswaldo "Wally" Torres                                           

REO, Short Sale & Loss Mitigation Specialist

Dear Homeowner(s),

Do you think being first is important? When it comes to selling homes for more I can assure you it does. Featured Homes on REALTOR.com^® are seen 10 times more often,¹ on average and this increased exposure can translate into potentially greater demand for your home and help it sell for more.

I am pleased to be one of the few REALTORS^® in New Port Richey utilizing the most powerful online real estate marketing program in America - the Featured Homes^TM Marketing System on the #1 real estate site, REALTOR.com^® .² When potential home buyers search for homes for sale, they will see your home prominently displayed first, with a full color photo, at the top of the page on REALTOR.com^®.  Through powerful relationships, your home will also appear on MSN^®, the Wall Street Journal online, and over 50 additional real estate and franchise sites.  

You can now benefit from this enhanced presence on REALTOR.com^®, where your home will stand out to more than 5.7 million individuals each month. ¹ Couple this with the fact that home buyers and sellers spent 78% of the time they spent searching for a home online on REALTOR.com^®,³ and it's easy to see the powerful impact my Featured Home^TM spot can have for your home.   

This is just one of the key ways I leverage recent changes in home buyer online behavior to get your home the maximum exposure it deserves when you are ready to sell. I invite you to visit my personal website at www.wallytorres.com to learn about my commitment to real estate marketing, or if you prefer, you can call me at 727.247.6355.

I would be delighted to meet with you in person to demonstrate how I can use the REALTOR.com^® Featured Homes^TM Marketing System and Future Home Realty's expert marketing resources to powerfully market your home.

Sincerely,

Oswaldo "Wally" Torres                                                                                                                        Future Home Realty

 ¹ Based on REALTOR.com® internal analysis for May 2007 average measure of property views with Featured Homes versus property views for non-Showcased Listings REALTOR.com^® each month of 2007 Net Ratings - ^® and other comparable real estate aggregation sites and excluding sites of franchisors/brokers

Don't Pay Another Cent in Rent To Your Landlord . . .

 "If you're like most renters, you feel trapped within the walls of a house or apartment that doesn't feel like yours."

It's a dream we all have - to own our own home and stop paying rent. But if you're like most renters, you feel trapped within the walls of a house or apartment that doesn't feel like yours. How could it when you're not even permitted to bang in a nail or two without a hassle. You feel like you're stuck in the renter's rut with no way of rising up out of it and owning your own home.

Don't Feel Trapped Anymore

It doesn't matter how long you've been renting, or how insurmountable your financial situation may seem. The truth is, there are some little known facts that can help you get over the hump, and transfer your status from renter to homeowner. With this information, you will begin to see how you really can: 

• save for a down payment
• stop lining your landlord's pockets, and
• stop wasting thousands of dollars on rent.

6 Little Known Facts That Can Help You Buy Your First Home

The problem that most renters face isn't your ability to meet a monthly payment. Goodness knows that you must meet this monthly obligation every 30 days already. The problem is accumulating enough capital to make a down payment on something more permanent.

But saving for this lump sum doesn't have to be as difficult as you might think. Consider the following 6 important points:

1. You can buy a home with much less down than you think

There are some local or federal government programs (such as 1st time buyer programs) to help people get into the housing market. You can qualify as a first time buyer even if your spouse has owned a home before as long as your name was not registered. Ensure your real estate agent is informed and knowledgeable in this important area and can offer programs to help you with your options.

2. You may be able to get your lender to help you with your down payment and closing costs

Even if you do not have enough cash for a down payment, if you are debt free, and own an asset free and clear (such as a car for example), your lending institution may be able to lend you the down payment for your home by securing it against this asset.

3. You may be able to find a seller to help you buy and finance your home

Some sellers may be willing to hold a second mortgage for you as a seller take-back. In this case, the seller becomes your lending institution. Instead of paying this seller a lump sum full amount for his or her home, you would pay monthly mortgage installments.

4. You may be able to create a cash down payment without actually going into debt

By borrowing money for certain investments to a specified level, you may be able to generate a significant tax refund for yourself that you can use as a down payment. While the money borrowed for these investments is technically a loan, the monthly amount paid can be small, and the money invested in both home and investment will be yours in the end.

5. You can buy a home even if you have problems with your credit rating

If you can come up with more than the minimum down payment, or can secure the loan with other equity, many lending institutions will consider you for a mortgage. Alternatively, a seller take-back mortgage could also help you in this situation.

6. You can, and should, get pre-approved for a home loan before you go looking for a home

Pre-approval is easy, and can give you complete peace-of-mind when shopping for your home. Mortgage experts can obtain written pre-approval for you at no cost and no obligation, and it can all be done quite easily over-the-phone. More than just a verbal approval from your lending institution, a written pre-approval is as good as money in the bank. It entails a completed credit application, and a certificate which guarantees you a mortgage to the specified level when you find the home you're looking for. Consider dealing only with a professional who specializes in mortgages. Enlisting their services can make the difference between obtaining a mortgage, and being stuck in the renter's rut forever. Typically there is no cost or obligation to enquire.

There are many important issues you should be aware of that affect you as a renter. Why on earth would you continue to lose thousands by throwing it away on rent when with your agent you could take a few minutes to discuss your specific needs so that you can stop renting and start owning.

This conversation costs you nothing. And, of course, you shouldn't have to feel obligated to buy a home at the time you review this. But by taking the time to explore your options, and learn about the ways you can afford to buy a home, think how prepared and relaxed you'll be when you are ready to make this important step.

 Click here to gain access to our VIP members only area

FREE Quick Over-The-Net Home Evaluation

Knowing what your home is worth is important information to have if you are thinking of selling your home.

Using the information you submit to us in the form below, we will conduct a thorough comparative market analysis by searching the database of all homes listed or sold in your area.

With this current market data, we will be able to determine what your home might sell for if you decided to put it on the market.

There is no cost or obligation for this valuable service.

For a FREE Home Evaluation, please click on the link below:

FREE Quick Over-The-Net Home Evaluation

Ask a Real Estate Expert

 To submit a question just click on the above link, fill out the form and click the SUBMIT button at the bottom of the form.

Your question will automatically be forwarded to an appropriate Real Estate expert for response.

"Every morning in Africa a gazelle wakes up. It knows it must run faster than the fastest lion or it will be killed. Every morning a lion wakes up. It knows it must outrun the slowest gazelle or it will starve to death. It doesn't matter whether you are a lion or a gazelle - when the sun comes up, you'd better be running."

-Unknown

The Real Estate Market Has Changed . . .

 "Buyers are far more discriminating, and a large percentage of the homes listed for sale don't sell the first time. It's more critical than ever to learn what you need to know to avoid costly seller mistakes in order to sell your home fast and for the most amount of money."

Remember not so long ago, when you could make your fortune in real estate. It was nothing then to buy a home, wait a short while, and then sell it at a tidy profit.

And then do it all over again.

Well, as you probably know, times have changed. As good as the market is right now, home prices are still below what they were at their peak. Buyers are far more discriminating, and a large percentage of the homes listed for sale never sell. It's more critical than ever to learn what you need to know to avoid costly seller mistakes in order to sell your home fast and for the most amount of money.

Learn the "The 9 Step System to Get Your Home Sold Fast and For Top Dollar" by clicking on the link below:

The 9 Step System to Get Your Home Sold Fast and For Top Dollar