Down Payment Assistance for a House

(My Original Blog Post: http://www.minnesotainvestors.com/blog/down-payment-assistance-for-a-house/) These programs are for a limited time. Here is what we have, please keep in mind you may email at anytime and we can provide more information and follow up with you and if you like what you hear than we can talk by phone later. You can email me ron@minnesotainvestors.com or you can fill out your info at minnesotainvestors.com The programs will all come down to two things: Credit Score and the money you currently have We have found ALL the money for you, and have a program for ALL credit scores. If you have a foreclosure/short sale/bankruptcy from the last 2-3 years, or If your CREDIT SCORE is 300-579: First off we can help get your credit score to increase realistically: 30 points in 60 days and 50 points in 4-6 months Anyone with a 530+ credit score should contact us immediately as you could probably buy a home soon. Rent to Own Programs are available.  These are typically 12-36 month terms to live in the house and wait for a loan and under 580 credit score should be ok. We'd prefer you have $5000-$7500 for money down as we have an agent to help with the paperwork, and showing, negotiating and finding you houses. The agent does a lot of work and gets paid by the seller. Contract for Deed programs are available.  These are typically 24-60 month terms to live in the house until you get a refinance loan at some point.  We'd prefer you have between $7500-$25,000 for money down as we have an agent to help with the paperwork, and showing, negotiating and finding you houses. The agent does a lot of work and gets paid by the seller. Remember even if your credit score is under 580 like above all of the above programs are available to you RIGHT NOW. If you have about a 530+ credit score within as little as 60-180+ days we may be able to get you a home with proper credit repair work if you work with us. if your CREDIT SCORE is 580-619 We have credit repair help for you also and 1 loan program that is starting around 580+ credit score right now, so you may be able to buy a house. if your CREDIT SCORE is 620+ You'll be able to apply for a few different loan programs: 100% loan programs 96.5% FHA loan programs VA loans If you don't have much money for a down payment and want to still get a home loan, we have money available through the stimulus plan which is $8000 plus many different counties are providing down payment assistance: Dakota County- Up to $15,000 + Tax Credits Hennepin County- Up to $15,000 + Mpls City Grant Assistance + Subsidized Interest Rates Ramsey County- Up to $20,000 + St Paul City Grant Assistance + Subsidized Interest Rates Scott County- Up to $7,500 Plymouth-Up to $25,000-to be used for Down Payment,Closing Costs and Principle Reduction. This is a Zero Percent, Deferred Loan.  Payment is due when the Property is sold or ceases to be Owner Occupied. Loan Payment in full is due in 30 years. re broker ***Please note that the stimulus money is said to expire as soon as the end of November, also many of these counties are running out of monies soon, so there is a very limited time left to get all of this money assistance. If you contact us today, talk to us this week, view properties by email through the next week, and look at homes in person as early as late next week, and put in an offer, with the idea you'll often negotiate with the seller, and you may even need to have offers in on a few different places, then you could be getting an accepted offer in 2 1/2 to 3 weeks from now if you are really moving fast. If you consider that the loan process can take 3-5 weeks part of that process overlaps in timelines, but that means you would have to contact us right away in order to take advantage of this down payment money before it runs out, especially the $8000 stimulus which ends in November, as reported on the radio, so that means you would contact us now and start seeing homes within a week, there is a sense of urgency only if you want to use county and government money, otherwise if you wait another week or more, you may need to use your own $5000-$20,000 hard earned money, and in this economy I know that can take years to save, so I am just looking out for you and trying to get you to take advantage of this limited time availability of monies, so you can save your money for a rainy day emergency fund. Let's go over the most popular loan programs right now: Fannie Mae HOMEPATH Loan - Minimum 660 minimum middle FICO score required - Appraisals are NOT required - Great for first time homeowners AND Investors - 97% LTV Primary Residence - 90% LTV Investor - No monthly Mortgage Insurance payments - Owner Occupied AND Investment Property - Down payment can be 100% gifted - Property must be listed for sale with the Fannie Mae HOMEPATH program - NO declining market restrictions Federal Housing Administration Loans - OK to 580 scores - Minimum 580 minimum middle FICO score required - Great for first time homeowners - 30 Year Fixed Rates Only - Low, government sponsored, monthly Mortgage Insurance payments - Owner Occupied Only - 12 months verified rent history required - Down payment MUST come from borrowers own funds - Gifts allowed for all closing costs - Compensating factors required for 580 scores - NO declining market restrictions Federal Housing Administration Loans - 100% Gifts Allowed for Down Payment - Minimum 620 FICO score required - Great for first time homeowners - 3.5% Down Payment can be a gift from relatives, employer, city grant - VERY LOW 30 Year Fixed Rates - Low, government sponsored, monthly Mortgage Insurance payments - 1 Day out of Chapter 13 OK with re-establish credit (2 years with Chapter 7) - Owner Occupied 1-4 unit only - NO declining market restrictions USDA Loans - 100% No Money Down for Qualified Properties - Minimum 620 FICO Score - buyer(s) must have “reasonable” credit history - Great for low to moderate income and first time homeowners - Household Area Median Income Limits Apply - LOW 30 Year Fixed Rates - No monthly Mortgage Insurance payments - Owner Occupied Only - Property must be located in a USDA defined market Veterans Administration Loans - 100% No Money Down for Active and Veteran Military - Minimum 620 FICO score required - buyer must demonstrate ability to pay - True No Money Down Financing for qualified buyers - Low 30 Year Fixed Rates - NO Monthly Mortgage Insurance payments - No Income Limitations - Loan Amounts from $75,000 to over $417,000 - Owner Occupied Only - No declining market restrictions Conventional Loans (Fannie Mae and Freddie Mac) - 100% Gifts Allowed for Down Payment - Minimum 680 FICO Required - Great for the established buyer looking to leverage through financing - 3% Down Payment can be a gift from relatives, employer or city grant - LOW 30 Year Fixed Rates - Median income limits apply (only income from borrower on loan used to qualify) - Loan amounts up to $417,000 - Owner Occupied Only - Monthly Mortgage Insurance payments required - Declining market restrictions apply real estate broker You can email me ron@minnesotainvestors.com or you can fill out your info at minnesotainvestors.com

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MyDesktopTherapist.com Subliminal messages

(My Original Blog Post: http://ping.fm/H6DN7) I'd recommend going to MyDesktopTherapist.com to learn how to program your mind with positive affirmations and positive thoughts.  Just make sure to phrase the affirmations with "I am" and in the present tense. Also they must be want you want, not what you don't, so they are true affirmations.  You can use the subliminal messages through Audio, Video, Flashing Type and messages.  I am currently creating and editing my own type for all areas of life, health/fitness, relationships, finances, mind, etc to keep myself on track, motivated, and I let it flash and run in the background while I am doing other things on my laptop. It's a great way to maximize your time, and get hours of quality affirmations in while doing something you already do like using a computer or the internet.  You don't have to read what you type, it hits your subconcious mind, this is considred one of the most popular software in this category.  This is some of the same concepts as seen in the now famous The Secret DVD. www.RonOrr.com

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Butterfly Effect DVD

(My Original Blog Post: http://ping.fm/rKwU0) I just watched this movie for the second time... It's a must see.  The concept of the butterfly effect is something as simple as how a butterfly flaps it's wings in this place can affect a tsunami on the other side of the world. It's the idea of how a simple action by something can alter the path of how something else happens in life to the same person or someone else and it just goes from there. I really like the concept, it reminds me a little bit of my slight edge post I did before.  There are 3 of these movies now in the series, I thought #1 was by far the best, the 2nd one is pretty good though, the 3rd one got a little much, but different. They all have the theme in common that they try to go back in time through their mind to change things and the outcome.  The important lesson I would take from these movies, is that the past is the past, don't try to hold onto resentment , anger, jealously or any other negative emotions, you can't go back and change it, what you can do is just do it right the first time, that way you will eventually find your actions affecting one after another compounded in time ultimately getting you to where you want to be some day, and then when you do look back in your mind like in the movie, you will be glad you took those actions in that way, as you are the total sum of everything you do, and your thoughts (Earl Nightgale) best explains this.  I would recommend this movie even though it shows how negative actions mostly effect your life, this is probably the most important point, but it would be nice if any of the movies showed more how positive actions can affect your life in the same way over time.  What people need to understand is it's not linear, it's compounding, so something as simple as eating wrong 1500 days in a row, or eating right 1500 days in a row can not easily be erased with a quantam leap, or a wave of a magic wand, little actions make all the difference, stop thinking instant gratification, and lottery, and start thinking of the tiny positive actions to move yourself forward. www.RonOrr.com

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www.subliminalmp3s.com Subconscious positive affirmations

(My Original Blog Post: http://ping.fm/Sj2eb) Many to choose from, they just added more: This offers you a way to get postivie affirmations to condition yourself to get what you want, no matter which area of life we are talking about.  It takes positively stated present tense phrases (affirmations) and hides them in to soothing audio so that only your subconcious can here it.  This is something I listen to when using the computer or going to sleep, I find it a great use of time.

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The Be Happy Attitudes Robert H. Schuller

(My Original Blog Post: http://ping.fm/tOXJP) I just got done listening to this tape set at the end of July 2009, and I have to say I really enjoyed it. I have seen Robert Shuller older on tv over recent years, but it's good to listen to an audio series I believe from about 1986 and to show how much passions Robert Shuller always had. He really wants to help others you can tell in his voice.  He has a wealth of experience and knowledge and he kept me interested through all of the tapes.  I would highly recommend tracking this audio down and listening to anything by him.  He takes the be attitudes and does his be happy attitude version.  He is an inspiration to others and he gives great credit to some of the legends such as Mother Theresa and her personal life story. He talks about people and their personal triumphs and tragedies and how they can overcome them. www.RonOrr.com

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Love is Letting Go of Fear

(My Original Blog Post: http://ping.fm/IiAZ6) I listened to this tape set which is from the very early 1980's and I was surprised how it was much different than a lot of the other things I have listened to.  Some of the beliefs and quotes in here reminded me of the power of now.  There were a lot of good points made about living in the presence and not letting the past or future cloud your judgment.  It made a good point about carrying resentment forward and how simply letting go of your anger would allow you to love or feel loved again.  What it was getting at really is why would you feel anger or any of those emotions if you didn't have to, why not let go of it, even if it's justified.  He gave some good examples in the audio series, including someone he met in jail and his pesonal story.  This was a unique tape series I enjoyed listening to, I'd recommend it because it's from nearly 30 years ago, it may be hard to track down. www.RonOrr.com

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Living the Seven Habits Stephen R. Covey

(My Original Blog Post: http://ping.fm/Aa0pj) This is considered a classic in personal development, and Stephen R. Covey is one of the top sellers in this category.  I have listened to other audios of his like this, and have the 7th and/or 8th habit books recently purchased. I have listened to numerous audios of Stephen R. Covey and I can ensure you he knows his stuff.  This tape set I believe is from about 1992, I believe wikipedia says 1989, but the lessons stay true today that it teaches.  It's probably something you have to listen to a couple of times to remember a lot of it.   According to wikipedia  "It has sold over 15 million copies in 38 languages since first publication" http://ping.fm/4OW8B The 7 habits are:

  • Habit 1: Be Proactive: Principles of Personal Choice ----
  • Habit 2: Begin with the End in Mind: Principles of Personal Vision
  • Habit 3: Put First Things First: Principles of Integrity & Execution
Independence to Interdependence
  • Habit 4: Think Win/Win: Principles of Mutual Benefit
  • Habit 5: Seek First to Understand, Then to be Understood: Principles of Mutual Understanding
  • Habit 6: Synergize: Principles of Creative Cooperation
Continual Improvement
  • Habit 7: Sharpen the Saw: Principles of Balanced Self-Renewal

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Wealth Creation and Preservation Strategies

(My Original Blog Post: http://ping.fm/PxGcr) This is a 1 tape set, which is kind of an introduction and sales pitch from John Sundell, CLU. Who works locally here in Minnesota, I looked him up on the internet and he seems to still be in the business.  It's a good quick overview of wealth preservation and how and what he tells his clients. It's really an intro to him and what you can expect when working with him.  I've never met him, but he sounds like a smart qualified person.  This is from the early 80's or late 80's I believe, it may be hard to find in stores. www.RonOrr.com

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Working Smarter Michael Leboeuf. Ph.D

(My Original Blog Post: http://ping.fm/QCiGX) This is a short tape that talks about working smarter, it talks about business and office work and talks about how to be more efficient at your job and the do's and don't's in a work environment. I thought this tape set was ok, it's a quick listen, so worth some new ideas, it's from the early 80's. www.RonOrr.com

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Men are from Mars Women are From Venus

(My Original Blog Post: http://ping.fm/8vWeb) I listened to this audio tape, it's pretty short 1+ hour. Also I bought the book recently at the end of July 2009, and I look forward to reading that for the full version.  This is a must read or listen to audio as it will show you how women and men are as different as night and day. It will show you how each person perceives the situation is often wrong because they simply don't understand how the other thinks.  There is a lot of talk about silence, talking, listening, reacting, etc.  This could very well be eye opening to many as what appears to be is not always the case.  Obviously John Gray is the top expert in this field and I have listened to another one of his audio's which I highly recommend. www.RonOrr.com

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