ZONED FOR A TWIN HOME, ONE OF THE LAST LOTS AVAILABLE ON STREET. VERY FEW TWIN HOMES LOTS ON THE MARKET, LET THE OTHER UNIT HAVE YOUR MORTGAGE PYMT. UTILITIES AT STREET, 2 MINUTES TO THE INTERSTATE. GREAT INVESTMENT OPPORTUNITY! GREAT LOW PRICE! BUY NOW WHILE INTEREST RATES ARE LOW!
ZONED FOR A TWIN HOME, ONE OF THE LAST LOTS AVAILABLE ON STREET. VERY FEW TWIN HOMES LOTS ON THE MARKET, LET THE OTHER UNIT HAVE YOUR MORTGAGE PYMT. UTILITIES AT STREET, 2 MINUTES TO THE INTERSTATE. GREAT INVESTMENT OPPORTUNITY! GREAT LOW PRICE! BUY NOW WHILE INTEREST RATES ARE LOW!
The City of Leeds is experiencing strong rental demand from young professionals and city workers with rental returns far outweighing those found in other comparable cities. With projects soon to be completed such as the £350 Million Trinity shopping complex, the £600 Million Eastgate Quarters redevelopment and the £80 Million Leeds Arena the economic outlook for one of the UKs premier cities is gaining strength fast. We have secured access to one of the most desirable and iconic apartment buildings overlooking the city of Leeds. Leeds City Centre Investment Opportunity: Tenanted 2 Bedroom Apartments: £105,000 £9,000 Annual Rental Income8.57% Annual Rental ReturnBuy-to-Let Mortgages Available (3.89% Interest Rate)Fully Managed 'Hands Off' InvestmentThe apartments are ideally located for city workers in and around Leeds. The location of Skyline Apartments is also home to the BBC Leeds Studios, the Leeds College of Music, Yorkshire Dance & West Yorkshire Playhouse. Less than 200 meters away is the planned Eastgate Quarters redevelopment which is set to transform Leeds city centre into one of the premier shopping, office and residential districts of the UK. For more information about this opportunity contact us today>>> For more information and to contact us use the email link. (www.holprop.com - ad: GB4466551)
THE OPPORTUNITY An exceptional return on investment Fresh Invest are delighted to offer their clients the unique opportunity to purchase fully refurbished UK property with a guaranteed minimum return of 7% per annum for 2 years. HMO Investment has moved from a higher risk investment to something now much refined and promoted in the investment market. With potential yields well over 10%, investors can benefit from higher yields and occupancy rates than conventional buy to let investments. Many large portfolio holders will have an element of HMO property in their portfolios. Key Features: - The comfort of bricks and mortar. - 20-30% Below Market Value purchase. - Renovations completed in 30 days with No Money Upfront. - Market leading rental income. - 15%-25% return on investment routine. - Long term capital growth from today's low values. - Full Furniture Pack Included. WHY SHOULD YOU INVEST? An Exceptional Return on Investment Guaranteed.....A word that is not often associated with investment, especially with yields as high as 7%! Add this to the fact you can opt out of this agreement when your yield is higher than that and you have a great investment. The developer manages each property themselves and rents the property one room at a time so as to increase rental yields. Fully refurbed and ready to rent.....these houses benefit from brand new kitchens, bathrooms, carpets, furniture and white goods, meaning they are ready to rent! Great Value.....All properties are sold at either RICS values or below, meaning you pick up a fully refurbed house with full furniture and white goods for the same price or less of an average condition second hand house in the same area. Most property values are between £100,000 and £250,000, meaning all are within exceptable stamp duty thresholds. Location, Location, Location.....Every great property investment starts with it's location. Our partner selects properties in areas close to universities and other industries, meaning their high occupancy rates of 90%+ can be maintained. CAN I GET FINANCE? Invest with just £35,000! Investors can take advantage of low interest rates by obtaining a 65% ltv mortgage at a rate of around 4%. At these rates, a yield of over 10% is easily obtainable, please enquire for more details. WHAT ASSURANCES DO I HAVE? Great quality stock servicing stable student markets, a simple recipe for success. Not only do you benefit from a minimum yield of 7% for 2 years, you can also rest safe in the knowledge that your property is fully managed by a company with a track record of achieving occupancy rates in excess of 90%. You may also like to know that our partner has bought, renovated and sold well over 200 properties, meaning they can provide a seamless route to a stable and high yielding market. Great quality stock servicing stable student markets is a simple recipe for success.
THE OPPORTUNITY An exceptional return on investment Fresh Invest are delighted to offer their clients the unique opportunity to purchase fully refurbished UK property with a guaranteed minimum return of 7% per annum for 2 years. HMO Investment has moved from a higher risk investment to something now much refined and promoted in the investment market. With potential yields well over 10%, investors can benefit from higher yields and occupancy rates than conventional buy to let investments. Many large portfolio holders will have an element of HMO property in their portfolios. Key Features: - The comfort of bricks and mortar. - 20-30% Below Market Value purchase. - Renovations completed in 30 days with No Money Upfront. - Market leading rental income. - 15%-25% return on investment routine. - Long term capital growth from today's low values. - Full Furniture Pack Included. WHY SHOULD YOU INVEST? An Exceptional Return on Investment Guaranteed..... A word that is not often associated with investment, especially with yields as high as 7%! Add this to the fact you can opt out of this agreement when your yield is higher than that and you have a great investment. The developer manages each property themselves and rents the property one room at a time so as to increase rental yields. Fully refurbed and ready to rent..... these houses benefit from brand new kitchens, bathrooms, carpets, furniture and white goods, meaning they are ready to rent! Great Value..... All properties are sold at either RICS values or below, meaning you pick up a fully refurbed house with full furniture and white goods for the same price or less of an average condition second hand house in the same area. Most property values are between £100,000 and £250,000, meaning all are within exceptable stamp duty thresholds. Location, Location, Location..... Every great property investment starts with it's location. Our partner selects properties in areas close to universities and other industries, meaning their high occupancy rates of 90%+ can be maintained. CAN I GET FINANCE? Invest with just £35,000! Investors can take advantage of low interest rates by obtaining a 65% ltv mortgage at a rate of around 4%. At these rates, a yield of over 10% is easily obtainable, please enquire for more details. WHAT ASSURANCES DO I HAVE? Great quality stock servicing stable student markets, a simple recipe for success. Not only do you benefit from a minimum yield of 7% for 2 years, you can also rest safe in the knowledge that your property is fully managed by a company with a track record of achieving occupancy rates in excess of 90%. You may also like to know that our partner has bought, renovated and sold well over 200 properties, meaning they can provide a seamless route to a stable and high yielding market. Great quality stock servicing stable student markets is a simple recipe for success.
THE OPPORTUNITY An exceptional return on investment Fresh Invest are delighted to offer their clients the unique opportunity to purchase fully refurbished UK property with a guaranteed minimum return of 7% per annum for 2 years. HMO Investment has moved from a higher risk investment to something now much refined and promoted in the investment market. With potential yields well over 8%, investors can benefit from higher yields and occupancy rates than conventional buy to let investments. Many large portfolio holders will have an element of HMO property in their portfolios. Key Features: - The comfort of bricks and mortar. - 20-30% Below Market Value purchase. - Renovations completed in 30 days with No Money Upfront. - Market leading rental income. - 15%-25% return on investment routine. - Long term capital growth from today's low values. - Full Furniture Pack Included. WHY SHOULD YOU INVEST? An Exceptional Return on Investment Guaranteed..... A word that is not often associated with investment, especially with yields as high as 7%! Add this to the fact you can opt out of this agreement when your yield is higher than that and you have a great investment. The developer manages each property themselves and rents the property one room at a time so as to increase rental yields. Fully refurbed and ready to rent..... these houses benefit from brand new kitchens, bathrooms, carpets, furniture and white goods, meaning they are ready to rent! Great Value..... All properties are sold at either RICS values or below, meaning you pick up a fully refurbed house with full furniture and white goods for the same price or less of an average condition second hand house in the same area. Most property values are between £100,000 and £250,000, meaning all are within exceptable stamp duty thresholds. Location, Location, Location..... Every great property investment starts with it's location. Our partner selects properties in areas close to universities and other industries, meaning their high occupancy rates of 90%+ can be maintained. CAN I GET FINANCE? Invest with just £35,000! Investors can take advantage of low interest rates by obtaining a 65% ltv mortgage at a rate of around 4%. At these rates, a yield of over 10% is easily obtainable, please enquire for more details. WHAT ASSURANCES DO I HAVE? Great quality stock servicing stable student markets, a simple recipe for success. Not only do you benefit from a minimum yield of 7% for 2 years, you can also rest safe in the knowledge that your property is fully managed by a company with a track record of achieving occupancy rates in excess of 90%. You may also like to know that our partner has bought, renovated and sold well over 200 properties, meaning they can provide a seamless route to a stable and high yielding market. Great quality stock servicing stable student markets is a simple recipe for success.
THE OPPORTUNITY An exceptional return on investment Fresh Invest are delighted to offer their clients the unique opportunity to purchase fully refurbished UK property with a guaranteed minimum return of 7% per annum for 2 years. HMO Investment has moved from a higher risk investment to something now much refined and promoted in the investment market. With potential yields well over 8%, investors can benefit from higher yields and occupancy rates than conventional buy to let investments. Many large portfolio holders will have an element of HMO property in their portfolios. Key Features: - The comfort of bricks and mortar. - 20-30% Below Market Value purchase. - Renovations completed in 30 days with No Money Upfront. - Market leading rental income. - 15%-25% return on investment routine. - Long term capital growth from today's low values. - Full Furniture Pack Included. WHY SHOULD YOU INVEST? An Exceptional Return on Investment Guaranteed..... A word that is not often associated with investment, especially with yields as high as 7%! Add this to the fact you can opt out of this agreement when your yield is higher than that and you have a great investment. The developer manages each property themselves and rents the property one room at a time so as to increase rental yields. Fully refurbed and ready to rent..... these houses benefit from brand new kitchens, bathrooms, carpets, furniture and white goods, meaning they are ready to rent! Great Value..... All properties are sold at either RICS values or below, meaning you pick up a fully refurbed house with full furniture and white goods for the same price or less of an average condition second hand house in the same area. Most property values are between £100,000 and £250,000, meaning all are within exceptable stamp duty thresholds. Location, Location, Location..... Every great property investment starts with it's location. Our partner selects properties in areas close to universities and other industries, meaning their high occupancy rates of 90%+ can be maintained. CAN I GET FINANCE? Invest with just £35,000! Investors can take advantage of low interest rates by obtaining a 65% ltv mortgage at a rate of around 4%. At these rates, a yield of over 10% is easily obtainable, please enquire for more details. WHAT ASSURANCES DO I HAVE? Great quality stock servicing stable student markets, a simple recipe for success. Not only do you benefit from a minimum yield of 7% for 2 years, you can also rest safe in the knowledge that your property is fully managed by a company with a track record of achieving occupancy rates in excess of 90%. You may also like to know that our partner has bought, renovated and sold well over 200 properties, meaning they can provide a seamless route to a stable and high yielding market. Great quality stock servicing stable student markets is a simple recipe for success.
THE OPPORTUNITY An exceptional return on investment Fresh Invest are delighted to offer their clients the unique opportunity to purchase fully refurbished UK property with a guaranteed minimum return of 7% per annum for 2 years. HMO Investment has moved from a higher risk investment to something now much refined and promoted in the investment market. With potential yields well over 10%, investors can benefit from higher yields and occupancy rates than conventional buy to let investments. Many large portfolio holders will have an element of HMO property in their portfolios. Key Features: - The comfort of bricks and mortar. - 20-30% Below Market Value purchase. - Renovations completed in 30 days with No Money Upfront. - Market leading rental income. - 15%-25% return on investment routine. - Long term capital growth from today's low values. - Full Furniture Pack Included. WHY SHOULD YOU INVEST? An Exceptional Return on Investment Guaranteed..... A word that is not often associated with investment, especially with yields as high as 7%! Add this to the fact you can opt out of this agreement when your yield is higher than that and you have a great investment. The developer manages each property themselves and rents the property one room at a time so as to increase rental yields. Fully refurbed and ready to rent..... these houses benefit from brand new kitchens, bathrooms, carpets, furniture and white goods, meaning they are ready to rent! Great Value..... All properties are sold at either RICS values or below, meaning you pick up a fully refurbed house with full furniture and white goods for the same price or less of an average condition second hand house in the same area. Most property values are between £100,000 and £250,000, meaning all are within exceptable stamp duty thresholds. Location, Location, Location..... Every great property investment starts with it's location. Our partner selects properties in areas close to universities and other industries, meaning their high occupancy rates of 90%+ can be maintained. CAN I GET FINANCE? Invest with just £35,000! Investors can take advantage of low interest rates by obtaining a 65% ltv mortgage at a rate of around 4%. At these rates, a yield of over 10% is easily obtainable, please enquire for more details. WHAT ASSURANCES DO I HAVE? Great quality stock servicing stable student markets, a simple recipe for success. Not only do you benefit from a minimum yield of 7% for 2 years, you can also rest safe in the knowledge that your property is fully managed by a company with a track record of achieving occupancy rates in excess of 90%. You may also like to know that our partner has bought, renovated and sold well over 200 properties, meaning they can provide a seamless route to a stable and high yielding market. Great quality stock servicing stable student markets is a simple recipe for success.
Great Visibility Here! Over 50,000 Vehicles/Day Better than leasing when you buy this building. Currently 100% leased. Great Cap Rate of 11.5%. Owner will move part of his business to make room for an owner/buyer occupant. Great location, high traffic count and visibility. Perfect to move your business here and let your tenants pay your mortgage. http://www.commercialmls.com CBA ID #494272 Call Jason at 360-662-5433 for more information.
OWNER IS FLEXIBLE-WILL RENT OR FINANCE OR SHARE SPACE.LETS PUT A DEAL TOGETHER. LOOKING FOR A TENANT THAT WILL TAKE OFFICE OR SHARE.COMPLETELY BUILT OUT, OVER $ 50,000 IN IMPROVEMENTS,CUBICLES,COMPUTERS,TELEPHONE SYSTEM,ETC. OWNER IS VERY FLEXIBLE--RENT OR BUY AND YOU CAN ASSUME THE MORTGAGE. WITH A 6% INTEREST RATE. Industrial For Sale in Hollywood Florida USA find Hollywood properties
Granada Park, Los Cristianos Repossession Apartment Granada Park is an upmarket complex designed for the holiday sector in Los Cristianos, Tenerife. This brand new 1 bedroom, 1 bathroom apartment has been reduced by over 60,000???. These apartments are currently on sale direct from the developer for 205,000??? after their prices were knocked down earlier this year. This is now on sale at 142,750??? this is a massive discount of over 60,000???. There is very strong rental demand for this area and holiday lets generate rental income of £250 to £350 per week. The large roof terraces in addition to the balconies are what make them so sought after as they offer all day sun, all year round. On the mortgage side, you can expect a mortgage of 97% of the purchase price meaning cash deposits of only 3% plus closing costs (approx 11%) are required. To buy this today with the maximum mortgage you would need approximately 21,000??? cash deposit. Type: ApartmentArea: Los CristianosComplex: Granada ParkPrice: 142,750???Mortgage available: 138,500???Mortgage per month: 477???Cash deposits needed: 21,000??? The interest rate on these mortgages is as low as 2.75%. Terms are up to 40 years meaning the monthly payments could be as low as 477??? per month. Such mortgages are simply not available on standard property purchases and have been negotiated through Worldwide Group on distressed sales and repossessions in Tenerife. A Fabulous Investment Opportunity!!
American Eagle NYC R.E Group has build a big PORTFOLIO with properties located in the Bronx, Brooklyn Queens and Manhattan.Packages starting from 40 Mil to 200 Mil.It can be sold as one deal or separately>Buildings are All Over The Bronx,Brooklyn,queens & Manhattan.Each Building consits of 30 Apts. and Up.100% Ocupaited..... Cap Rate 9% and Up...Mortgage Can Be Assumed. Time For a Play in the BRONX.Numbers are Really Good, Guaranteed Return.American Eagle NYC R.E Group have been working more than 6 months, building this portfolios.If you are an Investor(s) and you are looking to invest right now, let American Eagle NYC R.E Group to provide you a money maker deal.If you are a seller or an owner of any building with 35 Apts or More, and the property has a 9% Cap Rate & up, please let American Eagle NYC R.E Group know and we will be more than happy to sell or buy the property for you.Thank you for your business:For more information, plese feel free to to Contact
American Eagle NYC R.E Group has build a big PORTFOLIO with properties located in the Bronx, Brooklyn Queens and Manhattan.Packages starting from 40 Mil to 300 Mil.It can be sold as one deal or separately>Buildings are All Over The Bronx,Brooklyn,queens & Manhattan.Each Building consits of 30 Apts. and Up.100% Ocupaited..... Cap Rate 9% and Up...Mortgage Can Be Assumed. Time For a Play in the BRONX.Numbers are Really Good, Guaranteed Return.American Eagle NYC R.E Group have been working more than 6 months, building this portfolios.If you are an Investor(s) and you are looking to invest right now, let American Eagle NYC R.E Group to provide you a money maker deal.If you are a seller or an owner of any building with 35 Apts or More, and the property has a 9% Cap Rate & up, please let American Eagle NYC R.E Group know and we will be more than happy to sell or buy the property for you.Thank you for your business:For more information, plese feel free to to Contact
Key features: close to Golf walking distance to the beach only 20 mins from the airport Built-in wardrobes Video Entry secure with a deposit and nothing to pay till august low cost mortgage rates from as low as 1.7 % a great holiday home buy to let 2 swimming pools under ground garage Full description:Great apartments and townhouses located close to golf, beaches and restarants *priced to sell *nice location *close to 7 golf courses(The Algarve is THE number one golf destination in Europe attracting 200,000 golfers annually) *over 70% sold already *borrow upto 80% of the purchase price large sunny balconies CSF Property was established with the vision of making the most of the current market opportunities for our clients and also with the idea of bringing something different to the market. Our target is to be the most professional and friendly company to deal with. A breath of fresh air in the property market. While our main focus is selling and managing overseas property, we have a range of complementary services to make it easier for you to do business. As well as our residential and property management teams, we offer expert help in the areas of home loans, project marketing, and investment sales. 10 Good Reason Location, location, location. The position and ease of access makes the Algarve a convenient, inexpensive and quick destination to visit. 1. Easy to arrange mortgages - up to 90% of the value of the property with low European rates. The Royal Bank of Scotland has just opened its first office in Portugal. 2. Portugal has a low cost of living so your money goes further. 3. You can enjoy a rich and varied history and culture, excellent cuisine, fine wines and sports and activities of every kind. 4. Portuguese properties tend to be of a higher standard inside and out, and comparatively bigger than those in neighbouring countries. 5. It is a particularly healthy climate with the temperature rarely going below 16°C even in winter, and Portugal has even more sunshine than Florida! 6. Portugal is easy to get to, with a short journey time and a variety of low cost flights, so it’s ideal for short weekend breaks or lengthier visits. 7. This easy access to the Algarve means you can be teeing off on some of the very best golf courses in Europe whenever the mood takes you. 8. There are 25 different golf courses that run along the entire Algarve coast. From Parque da Floresta near Budens in the west, to Castro Marim Golfe and Country Club in the east. 9. We have offices in the Portugal, the UK and Spain so local help and advice is always available. Renting out your property is easy and we can help you every step of the way. Inspection Trips We think the best way to acquaint yourself with the area and the properties available is on a short inspection trip. We will be pleased to book your flight and hotel for you, and can offer you very affordable rates. Prices start from only £99.00: Return flights from your closest airport to Lisbon or Faro. Three nights’ accommodation in a 4* hotel on a bed and breakfast basis. Transfers from Faro or Lisbon airport to your accommodation Time with and Investment Specialist viewing properties that specifically match your requirements. Financial advice from a Qualified Mortgage Adviser where required. Independent Legal Advice Trip Itinerary When you arrive, we will meet you at the airport and take you to your well-appointed hotel accommodation. We will give you time to relax and settle in, and then the next day we can get down to business. We start by taking you on a tour of the area and showing you some of the properties that we think meet your requirements. Of course, while you are here we are available to answer any of your questions about any aspects of making a purchase. Your evenings will be free for you to enjoy as you wish. At the end of your trip, we will take you back to the airport for your flight home. For more properties like this please visit csfproperty Investment Characteristics Below Market Value Capital Growth High Yield Tourist Letting Amenities and Services Swimming Pool Property Characteristics Freehold Low Rise Newly Built Property Features Garden Balcony Allocated Parking Basement Deck Dining Room Double Glazing Ensuite Fitted Bathroom Fitted Kitchen Fitted Wardrobes Garage Internet Access Carport Key selling points: low cost mortgage rates from as low as 1.7 % a great holiday home buy to let 2 swimming pools under ground garage a great location at a great price. http://www.arkadia.com/zpoc-t298271/
Key features: close to Golf walking distance to the beach only 20 mins from the airport Built-in wardrobes Video Entry secure with a deposit and nothing to pay till august low cost mortgage rates from as low as 1.7 % a great holiday home buy to let 2 swimming pools under ground garage Full description:Great apartments and townhouses located close to golf, beaches and restarants *priced to sell *nice location *close to 7 golf courses(The Algarve is THE number one golf destination in Europe attracting 200,000 golfers annually) *over 70% sold already *borrow upto 80% of the purchase price large sunny balconies CSF Property was established with the vision of making the most of the current market opportunities for our clients and also with the idea of bringing something different to the market. Our target is to be the most professional and friendly company to deal with. A breath of fresh air in the property market. While our main focus is selling and managing overseas property, we have a range of complementary services to make it easier for you to do business. As well as our residential and property management teams, we offer expert help in the areas of home loans, project marketing, and investment sales. 10 Good Reason Location, location, location. The position and ease of access makes the Algarve a convenient, inexpensive and quick destination to visit. 1. Easy to arrange mortgages - up to 90% of the value of the property with low European rates. The Royal Bank of Scotland has just opened its first office in Portugal. 2. Portugal has a low cost of living so your money goes further. 3. You can enjoy a rich and varied history and culture, excellent cuisine, fine wines and sports and activities of every kind. 4. Portuguese properties tend to be of a higher standard inside and out, and comparatively bigger than those in neighbouring countries. 5. It is a particularly healthy climate with the temperature rarely going below 16°C even in winter, and Portugal has even more sunshine than Florida! 6. Portugal is easy to get to, with a short journey time and a variety of low cost flights, so it’s ideal for short weekend breaks or lengthier visits. 7. This easy access to the Algarve means you can be teeing off on some of the very best golf courses in Europe whenever the mood takes you. 8. There are 25 different golf courses that run along the entire Algarve coast. From Parque da Floresta near Budens in the west, to Castro Marim Golfe and Country Club in the east. 9. We have offices in the Portugal, the UK and Spain so local help and advice is always available. Renting out your property is easy and we can help you every step of the way. Inspection Trips We think the best way to acquaint yourself with the area and the properties available is on a short inspection trip. We will be pleased to book your flight and hotel for you, and can offer you very affordable rates. Prices start from only £99.00: Return flights from your closest airport to Lisbon or Faro. Three nights’ accommodation in a 4* hotel on a bed and breakfast basis. Transfers from Faro or Lisbon airport to your accommodation Time with and Investment Specialist viewing properties that specifically match your requirements. Financial advice from a Qualified Mortgage Adviser where required. Independent Legal Advice Trip Itinerary When you arrive, we will meet you at the airport and take you to your well-appointed hotel accommodation. We will give you time to relax and settle in, and then the next day we can get down to business. We start by taking you on a tour of the area and showing you some of the properties that we think meet your requirements. Of course, while you are here we are available to answer any of your questions about any aspects of making a purchase. Your evenings will be free for you to enjoy as you wish. At the end of your trip, we will take you back to the airport for your flight home. For more properties like this please visit csfproperty Investment Characteristics Below Market Value Capital Growth High Yield Tourist Letting Amenities and Services Swimming Pool Property Characteristics Freehold Low Rise Newly Built Property Features Garden Balcony Allocated Parking Basement Deck Dining Room Double Glazing Ensuite Fitted Bathroom Fitted Kitchen Fitted Wardrobes Garage Internet Access Carport Key selling points: low cost mortgage rates from as low as 1.7 % a great holiday home buy to let 2 swimming pools under ground garage a great location at a great price. http://www.arkadia.com/zpoc-t298270/
Key features: close to Golf walking distance to the beach only 20 mins from the airport Built-in wardrobes Video Entry secure with a deposit and nothing to pay till august low cost mortgage rates from as low as 1.7 % a great holiday home buy to let 2 swimming pools under ground garage Full description:Great apartments and townhouses located close to golf, beaches and restarants *priced to sell *nice location *close to 7 golf courses(The Algarve is THE number one golf destination in Europe attracting 200,000 golfers annually) *over 70% sold already *borrow upto 80% of the purchase price large sunny balconies CSF Property was established with the vision of making the most of the current market opportunities for our clients and also with the idea of bringing something different to the market. Our target is to be the most professional and friendly company to deal with. A breath of fresh air in the property market. While our main focus is selling and managing overseas property, we have a range of complementary services to make it easier for you to do business. As well as our residential and property management teams, we offer expert help in the areas of home loans, project marketing, and investment sales. 10 Good Reason Location, location, location. The position and ease of access makes the Algarve a convenient, inexpensive and quick destination to visit. 1. Easy to arrange mortgages - up to 90% of the value of the property with low European rates. The Royal Bank of Scotland has just opened its first office in Portugal. 2. Portugal has a low cost of living so your money goes further. 3. You can enjoy a rich and varied history and culture, excellent cuisine, fine wines and sports and activities of every kind. 4. Portuguese properties tend to be of a higher standard inside and out, and comparatively bigger than those in neighbouring countries. 5. It is a particularly healthy climate with the temperature rarely going below 16°C even in winter, and Portugal has even more sunshine than Florida! 6. Portugal is easy to get to, with a short journey time and a variety of low cost flights, so it’s ideal for short weekend breaks or lengthier visits. 7. This easy access to the Algarve means you can be teeing off on some of the very best golf courses in Europe whenever the mood takes you. 8. There are 25 different golf courses that run along the entire Algarve coast. From Parque da Floresta near Budens in the west, to Castro Marim Golfe and Country Club in the east. 9. We have offices in the Portugal, the UK and Spain so local help and advice is always available. Renting out your property is easy and we can help you every step of the way. Inspection Trips We think the best way to acquaint yourself with the area and the properties available is on a short inspection trip. We will be pleased to book your flight and hotel for you, and can offer you very affordable rates. Prices start from only £99.00: Return flights from your closest airport to Lisbon or Faro. Three nights’ accommodation in a 4* hotel on a bed and breakfast basis. Transfers from Faro or Lisbon airport to your accommodation Time with and Investment Specialist viewing properties that specifically match your requirements. Financial advice from a Qualified Mortgage Adviser where required. Independent Legal Advice Trip Itinerary When you arrive, we will meet you at the airport and take you to your well-appointed hotel accommodation. We will give you time to relax and settle in, and then the next day we can get down to business. We start by taking you on a tour of the area and showing you some of the properties that we think meet your requirements. Of course, while you are here we are available to answer any of your questions about any aspects of making a purchase. Your evenings will be free for you to enjoy as you wish. At the end of your trip, we will take you back to the airport for your flight home. For more properties like this please visit csfproperty Investment Characteristics Below Market Value Capital Growth High Yield Tourist Letting Amenities and Services Swimming Pool Property Characteristics Freehold Low Rise Newly Built Property Features Garden Balcony Allocated Parking Basement Deck Dining Room Double Glazing Ensuite Fitted Bathroom Fitted Kitchen Fitted Wardrobes Garage Internet Access Carport Key selling points: low cost mortgage rates from as low as 1.7 % a great holiday home buy to let 2 swimming pools under ground garage a great location at a great price. http://www.arkadia.com/zpoc-t298269/
Key features: close to Golf walking distance to the beach only 20 mins from the airport Built-in wardrobes Video Entry secure with a deposit and nothing to pay till august low cost mortgage rates from as low as 1.7 % a great holiday home buy to let 2 swimming pools under ground garage Full description:Great apartments and townhouses located close to golf, beaches and restarants *priced to sell *nice location *close to 7 golf courses(The Algarve is THE number one golf destination in Europe attracting 200,000 golfers annually) *over 70% sold already *borrow upto 80% of the purchase price large sunny balconies CSF Property was established with the vision of making the most of the current market opportunities for our clients and also with the idea of bringing something different to the market. Our target is to be the most professional and friendly company to deal with. A breath of fresh air in the property market. While our main focus is selling and managing overseas property, we have a range of complementary services to make it easier for you to do business. As well as our residential and property management teams, we offer expert help in the areas of home loans, project marketing, and investment sales. 10 Good Reason Location, location, location. The position and ease of access makes the Algarve a convenient, inexpensive and quick destination to visit. 1. Easy to arrange mortgages - up to 90% of the value of the property with low European rates. The Royal Bank of Scotland has just opened its first office in Portugal. 2. Portugal has a low cost of living so your money goes further. 3. You can enjoy a rich and varied history and culture, excellent cuisine, fine wines and sports and activities of every kind. 4. Portuguese properties tend to be of a higher standard inside and out, and comparatively bigger than those in neighbouring countries. 5. It is a particularly healthy climate with the temperature rarely going below 16°C even in winter, and Portugal has even more sunshine than Florida! 6. Portugal is easy to get to, with a short journey time and a variety of low cost flights, so it’s ideal for short weekend breaks or lengthier visits. 7. This easy access to the Algarve means you can be teeing off on some of the very best golf courses in Europe whenever the mood takes you. 8. There are 25 different golf courses that run along the entire Algarve coast. From Parque da Floresta near Budens in the west, to Castro Marim Golfe and Country Club in the east. 9. We have offices in the Portugal, the UK and Spain so local help and advice is always available. Renting out your property is easy and we can help you every step of the way. Inspection Trips We think the best way to acquaint yourself with the area and the properties available is on a short inspection trip. We will be pleased to book your flight and hotel for you, and can offer you very affordable rates. Prices start from only £99.00: Return flights from your closest airport to Lisbon or Faro. Three nights’ accommodation in a 4* hotel on a bed and breakfast basis. Transfers from Faro or Lisbon airport to your accommodation Time with and Investment Specialist viewing properties that specifically match your requirements. Financial advice from a Qualified Mortgage Adviser where required. Independent Legal Advice Trip Itinerary When you arrive, we will meet you at the airport and take you to your well-appointed hotel accommodation. We will give you time to relax and settle in, and then the next day we can get down to business. We start by taking you on a tour of the area and showing you some of the properties that we think meet your requirements. Of course, while you are here we are available to answer any of your questions about any aspects of making a purchase. Your evenings will be free for you to enjoy as you wish. At the end of your trip, we will take you back to the airport for your flight home. For more properties like this please visit csfproperty Investment Characteristics Below Market Value Capital Growth High Yield Tourist Letting Amenities and Services Swimming Pool Property Characteristics Freehold Low Rise Newly Built Property Features Garden Balcony Allocated Parking Basement Deck Dining Room Double Glazing Ensuite Fitted Bathroom Fitted Kitchen Fitted Wardrobes Garage Internet Access Carport Key selling points: low cost mortgage rates from as low as 1.7 % a great holiday home buy to let 2 swimming pools under ground garage a great location at a great price. http://www.arkadia.com/zpoc-t298268/
Key features: close to Golf walking distance to the beach only 20 mins from the airport Built-in wardrobes Video Entry secure with a deposit and nothing to pay till august low cost mortgage rates from as low as 1.7 % a great holiday home buy to let 2 swimming pools under ground garage Full description:Great apartments and townhouses located close to golf, beaches and restarants *priced to sell *nice location *close to 7 golf courses(The Algarve is THE number one golf destination in Europe attracting 200,000 golfers annually) *over 70% sold already *borrow upto 80% of the purchase price large sunny balconies CSF Property was established with the vision of making the most of the current market opportunities for our clients and also with the idea of bringing something different to the market. Our target is to be the most professional and friendly company to deal with. A breath of fresh air in the property market. While our main focus is selling and managing overseas property, we have a range of complementary services to make it easier for you to do business. As well as our residential and property management teams, we offer expert help in the areas of home loans, project marketing, and investment sales. 10 Good Reason Location, location, location. The position and ease of access makes the Algarve a convenient, inexpensive and quick destination to visit. 1. Easy to arrange mortgages - up to 90% of the value of the property with low European rates. The Royal Bank of Scotland has just opened its first office in Portugal. 2. Portugal has a low cost of living so your money goes further. 3. You can enjoy a rich and varied history and culture, excellent cuisine, fine wines and sports and activities of every kind. 4. Portuguese properties tend to be of a higher standard inside and out, and comparatively bigger than those in neighbouring countries. 5. It is a particularly healthy climate with the temperature rarely going below 16°C even in winter, and Portugal has even more sunshine than Florida! 6. Portugal is easy to get to, with a short journey time and a variety of low cost flights, so it’s ideal for short weekend breaks or lengthier visits. 7. This easy access to the Algarve means you can be teeing off on some of the very best golf courses in Europe whenever the mood takes you. 8. There are 25 different golf courses that run along the entire Algarve coast. From Parque da Floresta near Budens in the west, to Castro Marim Golfe and Country Club in the east. 9. We have offices in the Portugal, the UK and Spain so local help and advice is always available. Renting out your property is easy and we can help you every step of the way. Inspection Trips We think the best way to acquaint yourself with the area and the properties available is on a short inspection trip. We will be pleased to book your flight and hotel for you, and can offer you very affordable rates. Prices start from only £99.00: Return flights from your closest airport to Lisbon or Faro. Three nights’ accommodation in a 4* hotel on a bed and breakfast basis. Transfers from Faro or Lisbon airport to your accommodation Time with and Investment Specialist viewing properties that specifically match your requirements. Financial advice from a Qualified Mortgage Adviser where required. Independent Legal Advice Trip Itinerary When you arrive, we will meet you at the airport and take you to your well-appointed hotel accommodation. We will give you time to relax and settle in, and then the next day we can get down to business. We start by taking you on a tour of the area and showing you some of the properties that we think meet your requirements. Of course, while you are here we are available to answer any of your questions about any aspects of making a purchase. Your evenings will be free for you to enjoy as you wish. At the end of your trip, we will take you back to the airport for your flight home. For more properties like this please visit csfproperty Investment Characteristics Below Market Value Capital Growth High Yield Tourist Letting Amenities and Services Swimming Pool Property Characteristics Freehold Low Rise Newly Built Property Features Garden Balcony Allocated Parking Basement Deck Dining Room Double Glazing Ensuite Fitted Bathroom Fitted Kitchen Fitted Wardrobes Garage Internet Access Carport Key selling points: low cost mortgage rates from as low as 1.7 % a great holiday home buy to let 2 swimming pools under ground garage a great location at a great price. http://www.arkadia.com/zpoc-t298265/
Key features: close to Golf walking distance to the beach only 20 mins from the airport Built-in wardrobes Video Entry secure with a deposit and nothing to pay till august low cost mortgage rates from as low as 1.7 % a great holiday home buy to let 2 swimming pools under ground garage Full description:Great apartments and townhouses located close to golf, beaches and restarants *priced to sell *nice location *close to 7 golf courses(The Algarve is THE number one golf destination in Europe attracting 200,000 golfers annually) *over 70% sold already *borrow upto 80% of the purchase price large sunny balconies CSF Property was established with the vision of making the most of the current market opportunities for our clients and also with the idea of bringing something different to the market. Our target is to be the most professional and friendly company to deal with. A breath of fresh air in the property market. While our main focus is selling and managing overseas property, we have a range of complementary services to make it easier for you to do business. As well as our residential and property management teams, we offer expert help in the areas of home loans, project marketing, and investment sales. 10 Good Reason Location, location, location. The position and ease of access makes the Algarve a convenient, inexpensive and quick destination to visit. 1. Easy to arrange mortgages - up to 90% of the value of the property with low European rates. The Royal Bank of Scotland has just opened its first office in Portugal. 2. Portugal has a low cost of living so your money goes further. 3. You can enjoy a rich and varied history and culture, excellent cuisine, fine wines and sports and activities of every kind. 4. Portuguese properties tend to be of a higher standard inside and out, and comparatively bigger than those in neighbouring countries. 5. It is a particularly healthy climate with the temperature rarely going below 16°C even in winter, and Portugal has even more sunshine than Florida! 6. Portugal is easy to get to, with a short journey time and a variety of low cost flights, so it’s ideal for short weekend breaks or lengthier visits. 7. This easy access to the Algarve means you can be teeing off on some of the very best golf courses in Europe whenever the mood takes you. 8. There are 25 different golf courses that run along the entire Algarve coast. From Parque da Floresta near Budens in the west, to Castro Marim Golfe and Country Club in the east. 9. We have offices in the Portugal, the UK and Spain so local help and advice is always available. Renting out your property is easy and we can help you every step of the way. Inspection Trips We think the best way to acquaint yourself with the area and the properties available is on a short inspection trip. We will be pleased to book your flight and hotel for you, and can offer you very affordable rates. Prices start from only £99.00: Return flights from your closest airport to Lisbon or Faro. Three nights’ accommodation in a 4* hotel on a bed and breakfast basis. Transfers from Faro or Lisbon airport to your accommodation Time with and Investment Specialist viewing properties that specifically match your requirements. Financial advice from a Qualified Mortgage Adviser where required. Independent Legal Advice Trip Itinerary When you arrive, we will meet you at the airport and take you to your well-appointed hotel accommodation. We will give you time to relax and settle in, and then the next day we can get down to business. We start by taking you on a tour of the area and showing you some of the properties that we think meet your requirements. Of course, while you are here we are available to answer any of your questions about any aspects of making a purchase. Your evenings will be free for you to enjoy as you wish. At the end of your trip, we will take you back to the airport for your flight home. For more properties like this please visit csfproperty Investment Characteristics Below Market Value Capital Growth High Yield Tourist Letting Amenities and Services Swimming Pool Property Characteristics Freehold Low Rise Newly Built Property Features Garden Balcony Allocated Parking Basement Deck Dining Room Double Glazing Ensuite Fitted Bathroom Fitted Kitchen Fitted Wardrobes Garage Internet Access Carport Key selling points: low cost mortgage rates from as low as 1.7 % a great holiday home buy to let 2 swimming pools under ground garage a great location at a great price. http://www.arkadia.com/zpoc-t298267/
One Bed apartments in popular Leipzig available for buy to let opportunity. Invest For Just £2,450. Prices from €64,300 20% Instant Equity. 80% Loan to Value Mortgages. Apartments fully managed and tenanted. Current yields between 7-8%. Why Leipzig Leipzig is the 12th largest city in Germany, and the largest city in the state of Free Saxony. Current population is growing and stands at 520,000. Leipzig is situated about a hundred miles south of Berlin at the confluence of the Weisse Elster, Pleisse and Parthe rivers at the southerly end of the North German Plain. In 2010, Leipzig was ranked 68th in the world as a livable city, by consulting firm Mercer in their quality of life survey. Also in 2010, Leipzig was included in the top 10 of cities to visit by the New York Times.Whilst returns can be interesting in many cities across Germany, the cities in the former east with the strongest economies stand out as having the most potential for a range of investors. Leipzig’s emergence of a city of some standing in Germany come about as much from its geographical position as anything else. Situated between 'old and new' Europe, the city became of strategic importance to traders from around Europe, an advantage that the city still enjoys today. Leipzig underwent a process of rapid industrialisation during the second half of the 19th century. It was mainly driven by the publishing, textile and metalworking industries. Most of the older housing stock in German cities was constructed during this period, in typically dense four-to-five storey apartment buildings of a fine period quality. Economically, the city is re-asserting its position in the region and in Europe as a whole. The city has an abundance of University faculties, some dating back to the 13th Century. The student population stands at 36,000 currently. The city is re-finding its past strengths and putting these into the current political and economic landscape, as the city’s major points out: Public Sector Investment Soon after the re-unification, Leipzig sought to re-assert its position in the area both politically and economically. Huge projects were planned with government backing including a new main railway station, a whole new exhibition centre and redevelopment of a regional airport. Most of these projects have now been delivered and the resulting infrastructure is first class. Ongoing projects include a new railway system beneath the city with new underground stations and a new university building off the Augustusplatz. Private Sector Investments Funding from the private sector was a little slower, awaiting the needed improvement in infrastructure before committing to projects. The story so far has been of a burgeoning logistics base, centred around the autobahn network, train line and heavy lift from the DHL European Hub in the city. Companies such as Amazon, BMW, Porsche and Dell have congregated to the north of the city to take advantage of the city transport system and relative lower wage rates compared to major cities in the west. Additionally, around 30,000 jobs in the city depend on the media sector, with national television and press having major presence in the city. Why Germany The key reason Germany continues to be so successful is due to the economy’s inherent strength in relation to all other developed economies, and the relative huge undervalue of the property market which did not participate in any meaningful way in the credit binge and property bubble of the decade 1997-2007. Germany stands alone in this regard, and we are seeing the fruits of prudent economics in the country during the decade of exuberance in all other markets. Industrial orders climbed significantly as announced on in December 2011 and confidence in exporting to markets outside the Eurozone is strong. The economy is set as fair as it can be, despite the woes of the fellow Eurozone members in Germany, a model which others would do well to emulate. - Unemployment – Fell from 7.5% to 6.5% - German 10 Year Bond – Fell from 3,2% to 2,2% – increased appetite for German government debt - Mortgage Interest Rate – 10 year fixed rates fell from around 5% to around 4% by year end. - Inflation – increased from 2% to 2.4% - Stock Market – DAX dropped around 12% over the last year - Budget Deficit – cut from 3.3% to estimated 1.5% - Exports up 12%, to reach 1 Trillion Euro by year end - Tax Revenue – 16 Billion Euro higher than forecast - Industrial Orders – announced in December 11 that these increase 5.4%, double expectation Facilities No Facilities ( due to Buy to Let) Investment One bedroom apartments in popular Leipzig available for buy to let opportunity. Invest For Just £2,450. Prices from €64,300 20% Instant Equity. 80% Loan to Value Mortgages. Apartments fully managed and tenanted. Current yields between 7–8%. http://www.arkadia.com/opsg-t313/
Studio apartments in popular Leipzig available for buy to let opportunity. Invest For Just £2,450. Prices from €48,800 20% Instant Equity. 80% Loan to Value Mortgages. Apartments fully managed and tenanted. Current yields between 7-8%. Why Leipzig Leipzig is the 12th largest city in Germany, and the largest city in the state of Free Saxony. Current population is growing and stands at 520,000. Leipzig is situated about a hundred miles south of Berlin at the confluence of the Weisse Elster, Pleisse and Parthe rivers at the southerly end of the North German Plain. In 2010, Leipzig was ranked 68th in the world as a livable city, by consulting firm Mercer in their quality of life survey. Also in 2010, Leipzig was included in the top 10 of cities to visit by the New York Times.Whilst returns can be interesting in many cities across Germany, the cities in the former east with the strongest economies stand out as having the most potential for a range of investors. Leipzig’s emergence of a city of some standing in Germany come about as much from its geographical position as anything else. Situated between 'old and new' Europe, the city became of strategic importance to traders from around Europe, an advantage that the city still enjoys today. Leipzig underwent a process of rapid industrialisation during the second half of the 19th century. It was mainly driven by the publishing, textile and metalworking industries. Most of the older housing stock in German cities was constructed during this period, in typically dense four-to-five storey apartment buildings of a fine period quality. Economically, the city is re-asserting its position in the region and in Europe as a whole. The city has an abundance of University faculties, some dating back to the 13th Century. The student population stands at 36,000 currently. The city is re-finding its past strengths and putting these into the current political and economic landscape, as the city’s major points out: Public Sector Investment Soon after the re-unification, Leipzig sought to re-assert its position in the area both politically and economically. Huge projects were planned with government backing including a new main railway station, a whole new exhibition centre and redevelopment of a regional airport. Most of these projects have now been delivered and the resulting infrastructure is first class. Ongoing projects include a new railway system beneath the city with new underground stations and a new university building off the Augustusplatz. Private Sector Investments Funding from the private sector was a little slower, awaiting the needed improvement in infrastructure before committing to projects. The story so far has been of a burgeoning logistics base, centred around the autobahn network, train line and heavy lift from the DHL European Hub in the city. Companies such as Amazon, BMW, Porsche and Dell have congregated to the north of the city to take advantage of the city transport system and relative lower wage rates compared to major cities in the west. Additionally, around 30,000 jobs in the city depend on the media sector, with national television and press having major presence in the city. Why Germany The key reason Germany continues to be so successful is due to the economy’s inherent strength in relation to all other developed economies, and the relative huge undervalue of the property market which did not participate in any meaningful way in the credit binge and property bubble of the decade 1997-2007. Germany stands alone in this regard, and we are seeing the fruits of prudent economics in the country during the decade of exuberance in all other markets. Industrial orders climbed significantly as announced on in December 2011 and confidence in exporting to markets outside the Eurozone is strong. The economy is set as fair as it can be, despite the woes of the fellow Eurozone members in Germany, a model which others would do well to emulate. - Unemployment – Fell from 7.5% to 6.5% - German 10 Year Bond – Fell from 3,2% to 2,2% – increased appetite for German government debt - Mortgage Interest Rate – 10 year fixed rates fell from around 5% to around 4% by year end. - Inflation – increased from 2% to 2.4% - Stock Market – DAX dropped around 12% over the last year - Budget Deficit – cut from 3.3% to estimated 1.5% - Exports up 12%, to reach 1 Trillion Euro by year end - Tax Revenue – 16 Billion Euro higher than forecast - Industrial Orders – announced in December 11 that these increase 5.4%, double expectation Facilities No Facilities, As this is a buy to let investment in city centre Investment One bedroom apartments in popular Leipzig available for buy to let opportunity. Invest For Just £2,450. Prices from €85,000 20% Instant Equity. 80% Loan to Value Mortgages. Apartments fully managed and tenanted. Current yields between 7–8%. http://www.arkadia.com/opsg-t270/
This property is presented by ListGlobally on behalf of: Knight Knox International Bispham House, LiverpoolAnnual NET Rental Yield of 7%+ Knight Knox International's latest investment offering is Bispham House in Liverpool. Located in the city centre just over 1 mile from Liverpool Lime Street Railway Station, this tower block has been newly renovated and reclad and offers 79 apartments over 14 floors. With a shortage of available homes to satisfy the demands of the ever increasing rental market, Bispham House poses a perfect low entry, high return buy to let option. The simple facts are that the UK property market is an advanced, proven and safe place to invest money. History shows that over the long term an investment in property can be deemed 'a safe investment'. Property prices have steadily risen way above the rate of inflation since the 1950's, encountering peaks and troughs along the way, but overall out performing many longer term investments during this time. Facts Few new builds have completed in the last 2 years in Liverpool especially the city centre, leaving a shortage or new or renovated homes Rental demand is increasing month on month Due to restricted mortgage lending criteria, buyers are becoming tenants Tenants are preferring city centre living, cutting down travelling times to work and enjoying lifestyle benefits City Centre Universities are attracting increased student levels from the Middle and Far east who prefer city living to traditional student halls Only 5 years ago seasoned buy to let investors would look to purchase property which may offer a 4---4.5% gross yield, Bispham House will allow Investors to achieve a conservative yield of over 8% gross whilst offering a sound 'bricks and mortar' investment. This property is presented by ListGlobally on behalf of: Knight Knox International (listglobally ref.: #LG22239)
Delightful first floor apartment on complex with 2 pools and low community fees of 57 Euros per month including electric (will reduce in next few months)Well maintained by owner who would have happily lived there for the rest of her life but has decided to join her daughter on another Island hence reflected in the price for quick sale. A few minutes walk to the beach . Ideal as a holiday let or residential. This apartment has a much larger terrace than normal with pool and mountain views with modern fitted kitchen/diner, lounge, 1bedroom and large terrace. These apartments are selling for 125k plus with other agents. Be the first and grab a bargain. These apartments achieved around 300 Euro per week on the holiday market and putting 15000 Euros deposit and paying the buying costs a 40 year old would have a 400 Euro per month mortgage. This means only 16 weeks rentals required to cover the mortgage which means 8 friends and family for 2 weeks each !!!Ownquarter, Lanzacasas are now dealing with all the major banks on the island that have property repossessions. As the banks are keen to sell these properties, they are offering between ninety and one hundred percent mortgages at extremely favourable rates. As these terms are so preferential our catalogue of available properties changes very quickly. For this reason we would ask all enquiries to come with a landline telephone number. This enables us to quickly update all clients of any relevant changes or updates to our catalogues.If you are able to complete the purchase within eight weeks then please enquire for a list of our repossession properties. As these properties sell so fast, if you are planning to purchase further into the future please request a list nearer the time for an up to date list.Ownquarter, Lanzacasas also specialise in bargain properties well under market value and can normally obtain mortgages for difficult cases.Due to the high cost of online advertising on sites like these we only show a small proportion of our property database.
. Face the problem head-on. Have you fallen into the habit of throwing all the ominous-looking mail youre receiving from your mortgage lender into a big pile and then not opening any of it? If so, snap out of this state of denial pronto! By responding to your mail quickly, you could be directed toward viable foreclosure-prevention options. Thats a good thing, not a bad thing. Credit and housing counselors say theyre approached all too often by people who waited months to stop ignoring the problem and get help. By that point, though, many of them had already received foreclosure notices in the mail. 2. Contact your lender and explain your situation. This step may scare you to death but do it anyway. Heres why: Depending on your circumstances, your lender may reduce your interest rate, lower your monthly payment to make it more affordable for you, or agree to a repayment plan for any payments youve missed. This wont happen in every case, mind you but you stand a better chance of getting this kind of a response from your lender if you reach out sooner rather than later. Finding the correct lender to call may prove to be your biggest challenge, though. Mortgage loans often get sold again and again, so it may require plenty of perseverance on your part to figure out who owns your loan. Start the process by calling the company that receives your mortgage payment. 3. Understand your mortgage rights. As unappealing as this task may seem, dig out that pile of loan documents you received when you bought your home. Start scanning them for the answer to this question: What can your lender do to you if youre unable to make your mortgage payments? Being armed with this information will equip you to have smart conversations with your lender about your situation. You also need to learn about the specific foreclosure laws and time frames in your state. Contact your state governments housing office or department to find out which rules apply where you live. To track down the correct agency, do a quick Internet search for the name of your state along with the words state government housing office. Advertise | AdChoices 4. Consider selling your home. This may be one of the most painful decisions youll ever make, but it could be the right decision if you were sold more house than you can afford. Selling your home on your own terms sure beats having your home taken away from you, and money from the sale could cover your mortgage debt and selling costs in full. Even if it takes you months to sell your home, the decision to sell could relieve your stress levels immediately. Heres why: Your lender likely will suspend foreclosure proceedings once your home is on the market, thus preserving your credit rating. In fact, your lender may even allow you to stop making mortgage payments until the house is sold. 5. Explore the short sale or deed in lieu of foreclosure options. Lets say your house can only be sold for a dollar amount thats less than the amount you still owe on it. If thats the case, your lender may agree to a short sale that is, it will take what you can get for the house and forgive the rest of the balance owed. Or, if you simply cant find anyone who wants to buy your home, your lender may agree to a deed in lieu of foreclosure. That means you would hand the deed to your home over to your lender voluntarily, and your lender would cancel out your remaining debt. This would be less damaging to your credit rating than having your home taken away from you in a foreclosure. In either scenario, it would be a good idea to get help from a lawyer, accountant, housing counselor or other adviser who is familiar with these approaches. 6. Dont give your money away to the wrong people. You very well may be approached by foreclosure-prevention companies that will offer to negotiate with your lender on your behalf. Dont take the bait! In the best-case scenario, the company will be a legitimate business but will charge thousands of dollars for help you could get for free. In the worst-case scenario, you could end up unwittingly signing over your propertys title to a fraudulent company in a foreclosure rescue scam. 7. Seek out legitimate help. Considering how many con artists have emerged during the mortgage meltdown, it can be difficult to know where to turn. Here are some options to try that arent scams: You can contact a housing counselor who is approved by the U.S. Department of Housing and Urban Development by calling (800) 569-4287 or visiting this site. HUD-approved counselors can give you free or low-cost guidance and even represent you in negotiations with your lender. You also could be directed to HUD-approved counselors and free help via the Homeownership Preservation Foundation by calling (888) 995-HOPE. Another option is to get help from a housing counselor affiliated with the National Foundation for Credit Counseling by calling (866) 557-2227 or visiting this site. 8. Set financial priorities that fit your current circumstances. When youre feeling absolutely overwhelmed financially, it can be difficult to know which bills to pay first. Heres the main thing to keep in mind: Keeping your home or walking away from your home on your own terms and avoiding foreclosure should be your top priority. Your relationship with your mortgage lender is the relationship to preserve first and foremost. In negotiations with your lender, you can show how serious you are about making things right by demonstrating that youve sold assets, taken on extra work and eliminated optional monthly expenses, all with an eye toward reinstating your mortgage loan. 9. Consider filing for personal bankruptcy protection. This is a last-ditch tactic to be sure, but it may be better for you than a foreclosure. With a foreclosure, your home will be taken away from you, your credit rating will be seriously damaged and youll still be saddled with all of your other debts. All of this can make it very difficult for you to find housing again including rental housing. A bankruptcy filing also will hurt your credit rating for years to come, but here are the key differences: Youll be solvent and debt-free, and with a Chapter 13 bankruptcy you may get to keep living in your house. For more details about whether the bankruptcy route might make sense for you, check out this Nolo site. 10. Maintain your self-esteem. Try very, very hard not to panic or beat yourself up right now. This is a time to stay sharp, take charge of your situation and stick up for yourself. Remember that youre certainly not the only homeowner in America whos struggling right now. Direct your anger and negative emotions toward people who may deserve it say, for instance, a predatory lender who may have deliberately locked you into a bad loan. If youre convinced that loan terms and risks werent fully disclosed to you, file complaints with the Federal Trade Commission by calling (877) FTC-HELP (382-4357) or visiting this site, and with your states attorney generals office or consumer affairs department. You can start the process of finding contact information for your state by clicking here . (Internet 5835214-10/3/2011)
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