I tried the yoga work out from lynn highsmith in the hot yoga atmosphere in the privacy of non embarressment and liked it . THE INSTUCTOR LYNN HIGHSMITH showed me how to unwind ,slow down, de stress and let the world of crazy real estate leave my temple for an hour. her program,is Weight Loss

Stress Relief

Flexibility

Endurance

Muscle Tone

Detoxification

Relief from Depression
A LIFE-CHANGING PRACTICE

“When I first tried Sumit’s class I knew I had found something special. I started to see a positive change in my body right away. But it wasn’t just about how I looked as much as how I felt. I felt more energetic, more alive.

Mentally I became more calm and less reactive to situations in my life. I felt less stressed.

Yoga has helped me become more accepting of who I am and where I am in life. I am so thankful for my yoga practice. I know this is something I can do to maintain health. I love teaching. It feels good to see others benefit from their practice too.”

Lynn Highsmith
so i am now a beliver , of its hot yoga .com try it your self

How to buy a home without a Bank loan !
Frequently Asked Questions About Seller Financing

What is Seller Financing owner carry seller financing lease option rent to own wrap agreement for sale and creative financing and how can i buy a home with bad credit?

Seller Financing is when you buy a home and get your loan from the seller instead of from a bank. Once you buy the home, instead of making your monthly payment to the bank, you make your monthly payment to the seller. Seller Financing typically occurs when you want to buy a home but cannot qualify for a bank loan. The concept is the same as if you were getting a bank loan, but with seller financing the process is much quicker, and the qualifying is much easier.

Do I qualify For Seller Financing?

When evaluating a potential buyer, we look primarily at income, work history, and rental history. If you have a decent job, and your income is at least three times the monthly payment on the home that you are buying, and you have the money for the down payment, then you have a good chance of getting approved. We do not require a specific credit score or debt to income ratio.

If you are interested in buying a home with seller financing, you can get started with the qualifying process by filling out this simple form.

How much will my down payment be?

Each home has different requirements. You can see the financing details on the listing pages for each home. The down payment generally is a minimum of $4,900.

How long will the seller provide financing?

Seller financing is meant to give you time to get your credit in order so you can qualify for a bank loan. We generally give you at least five years to get everything straightened out. In some cases, after the five years you have what’s called a “balloon payment”, which means you have to pay off the loan to the seller. This is generally done by refinancing with a traditional bank loan.

What document do you use for the seller financing?

We generally provide seller financing through a document called a Lease Option, in which case the transaction is often called a Rent-To-Own. In some cases we use a document called an Agreement For Sale, in which case the transaction would be called an Installment Sale.

What is the difference between a Lease Option (Rent-To-Own) and an Installment Sale?

From your perspective as a buyer, there is not much difference between a Lease Option and an Installment Sale.
•In both cases you are buying the home without getting a bank loan initially.
•In both cases you are paying a certain amount down (through the down payment or option fee).
•In both cases about the same portion of your payment goes toward the purchase of your home every month.
•In both cases you have a specific time frame in which to qualify for a bank loan and pay off the remaining balance owed.
There are some differences but mostly they do not make any difference to you as the buyer. The differences include the following:
•The money you pay up front in an Installment Sale is called a down payment. The money you pay up front in a Lease Option is called an Option Fee.
•In an Installment Sale, a portion of your monthly payment goes toward principal and a portion goes toward interest. In a Lease Option, a portion of your monthly payment goes toward rent, and a portion goes toward your future purchase.
•In an Installment Sale, you will get what’s called equitable title to the property. In a Rent-To-Own, you do not get title to the property up front; instead, you have an option to buy the property at a specified price within a specified time frame.
One difference that may matter to you as a buyer is that in an Installment Sale you can deduct the mortgage interest on your taxes. However, that would only matter to you if you are paying enough interest to itemize your expenses on your tax return. Talk to your tax advisor to determine if it would make a difference for you.

What is Seller Financing?

Seller Financing is when you buy a home and get your loan from the seller instead of from a bank. Once you buy the home, instead of making your monthly payment to the bank, you make your monthly payment to the seller. Seller Financing typically occurs when you want to buy a home but cannot qualify for a bank loan. The concept is the same as if you were getting a bank loan, but with seller financing the process is much quicker, and the qualifying is much easier.

Do I qualify For Seller Financing?

When evaluating a potential buyer, we look primarily at income, work history, and rental history. If you have a decent job, and your income is at least three times the monthly payment on the home that you are buying, and you have the money for the down payment, then you have a good chance of getting approved. We do not require a specific credit score or debt to income ratio.

If you are interested in buying a home with seller financing, you can get started with the qualifying process by filling out this simple form.

How much will my down payment be?

Each home has different requirements. You can see the financing details on the listing pages for each home. The down payment generally is a minimum of $4,900.

How long will the seller provide financing?

Seller financing is meant to give you time to get your credit in order so you can qualify for a bank loan. We generally give you at least five years to get everything straightened out. In some cases, after the five years you have what’s called a “balloon payment”, which means you have to pay off the loan to the seller. This is generally done by refinancing with a traditional bank loan.

What document do you use for the seller financing?

We generally provide seller financing through a document called a Lease Option, in which case the transaction is often called a Rent-To-Own. In some cases we use a document called an Agreement For Sale, in which case the transaction would be called an Installment Sale.

What is the difference between a Lease Option (Rent-To-Own) and an Installment Sale?

From your perspective as a buyer, there is not much difference between a Lease Option and an Installment Sale.
•In both cases you are buying the home without getting a bank loan initially.
•In both cases you are paying a certain amount down (through the down payment or option fee).
•In both cases about the same portion of your payment goes toward the purchase of your home every month.
•In both cases you have a specific time frame in which to qualify for a bank loan and pay off the remaining balance owed.
There are some differences but mostly they do not make any difference to you as the buyer. The differences include the following:
•The money you pay up front in an Installment Sale is called a down payment. The money you pay up front in a Lease Option is called an Option Fee.
•In an Installment Sale, a portion of your monthly payment goes toward principal and a portion goes toward interest. In a Lease Option, a portion of your monthly payment goes toward rent, and a portion goes toward your future purchase.
•In an Installment Sale, you will get what’s called equitable title to the property. In a Rent-To-Own, you do not get title to the property up front; instead, you have an option to buy the property at a specified price within a specified time frame.
One difference that may matter to you as a buyer is that in an Installment Sale you can deduct the mortgage interest on your taxes. However, that would only matter to you if you are paying enough interest to itemize your expenses on your tax return. Talk to your tax advisor to determine if it would make a difference for you.

If you prefer an Installment Sale over a Lease Option, we are willing to do either one, but in an Installment Sale the required down payment is generally quite a bit higher than in a Lease Option.
www.creativeazfinancing.com for service in the phoenix valley wide market Robert Highsmith Homesmart realty

How do i buy a home with bad credit ?Owner Carry, Owner Carryback, Seller Carry, Seller Carryback, Seller Financing, Seller Finance, Owner Financing, Owner Finance, Lease Option, Rent to Own, Lease Purchase, Lease to Purchase, Bad Credit, No Credit, No Qualifying, Easy Qualifying, No Bank TURNDOWNS HERE, I GET THE HOME YOU NEED — ROBERT HIGHSMITH WEST USA REALTY SCOTTSDALE ARIZONA www.roberthighsmith4@yahoo.com
Owner Carry, Owner Carryback, Seller Carry, Seller Carryback, Seller Financing, Seller Finance, Owner Financing, Owner Finance, Lease Option, Rent to Own, Lease Purchase, Lease to Purchase, Bad Credit, No Credit, No Qualifying, Easy Qualifying, No Bank Qualifying, CREATIVEAZFINANCING.COM CREATIVE FINANCING EXPERT

I sell homes for sale in Phoenix SCOTTSDALE MESA GLENDALE ARROWHEAD RANCH DC RANCH MCCORMICK RANCH SONORAN HILLS GRAYHAWK , Arizona areas, SELLER Financing AZ Expert

I am a full service Realtor based in Scottsdale Arizona. I specialize in owner financing, seller carry back financing, no qualifying and lease purchase contracts. I handle short sales locally and can help you with loan modifications , or outright listing and selling your home.Would you like to view GOLF COURSE HOMES IN SCOTTSDALE, PHOENIX, GLENDALE AND MESA, ARIZONA? They are available at reduced pricing throughout the Phoenix Arizona cities. I can start today.

In today’s tough real estate market, Arizona home buyers have many options to buy a home that do not require a traditional mortgage lender.

This means that if you have had some financial and credit problems in the past you, you as the buyer, may have some options available to buy a home without using a mortgage company. Often credit challenged buyers, who can provide proof of employment and have a good down payment can find a home to purchase with a cooperative seller. This is why you need my services – I know how to find and negotiate these types of home purchases.

My market areas include: Scottsdale, Phoenix, Glendale, Arizona and all surrounding cities.Owner Carry, Owner Carryback, Seller Carry, Seller Carryback, Seller Financing, Seller Finance, Owner Financing, Owner Finance, Lease Option, Rent to Own, Lease Purchase, Lease to Purchase, Bad Credit, No Credit, No Qualifying, Easy Qualifying, No Bank Qualifying, CREATIVEAZFINANCING.COM CREATIVE FINANCING EXPERT

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How do i buy a home with bad credit ?Owner Carry, Owner Carryback, Seller Carry, Seller Carryback, Seller Financing, Seller Finance, Owner Financing, Owner Finance, Lease Option, Rent to Own, Lease Purchase, Lease to Purchase, Bad Credit, No Credit, No Qualifying, Easy Qualifying

GOOD MORNING EVERYONE:

Welcome to this edition of My Monday Morning Message……This week we have the opportunity to focus on making good decisions that will advance us forward toward our goals. Do you realize that each small decision that we individually make adds up to the mediocre or fantastic success we will have? The small things really do matter. If we are better at making the small decisions then the big ones just become easier and easier. Let us focus on making sure that we are aware of all of the decisions we make daily, the small ones and the big ones. Let us not allow negative habits to make bad decisions for us. Rather, let us re-train and re-focus our habits to make great decisions at every level daily. If you want to have a better relationship – work on the small decisions. If you want to have better health – work on the small decisions. If you want to be more productive and have better results at your career – work on the small decisions. All of these seemingly small choices or decisions add up to who you are today. Change your decisions and change who you are for the better. Key Words this week: Discipline, Action, Decisions, Habits. Let’s make this the best week of the year.

ENCOURAGEMENT CORNER…

The Test

By: Unknown

The most destructive habit…………………….Worry
The greatest Joy…………………………….Giving
The greatest loss…………………………….Loss of self-respect
The most satisfying work………………….Helping others
The ugliest personality trait………………..Selfishness
The most endangered species…………….Dedicated leaders
Our greatest natural resource……………..Our youth
The greatest “shot in the arm”……………..Encouragement
The greatest problem to overcome……….Fear
The most effective sleeping pill……………..Peace of mind
The most crippling failure disease………….Excuses
The most powerful force in life………………Love
The world’s most incredible computer……..The brain
The worst thing to be without…………………Hope
The deadliest weapon……………………………The tongue
The two most power-filled words…………….”I Can”
The greatest asset………………………………….Faith
The most worthless emotion…………………….Self-pity
The most beautiful attire…………………………..Smile!
The most prized possession………………………Integrity
The most contagious spirit…………………………Enthusiasm

WORDS TO LIVE BY…

If you’re not using your smile, you’re like a man with a million dollars in the bank and no checkbook.
Les Giblin

Most people fail in life because they major in minor things.
Anthony Robbins

Some people die at twenty-five and aren’t buried until they are seventy-five.
Benjamin Franklin

You don’t get paid for the hour. You get paid for the value you bring to the hour.
Jim Rohn

I don’t want problems solved for me. I want the fishing rod, not the fish.
Yanni

Don’t go around saying the world owes you a living. The world owes you nothing. It was here first.
Mark Twain

Never let your memories be greater than your dreams.
Doug Ivester

What the mind can conceive, it can achieve.
Napoleon Hill

This week we have the opportunity to do something great. Let’s go do it. I am so on top of my game today, how about you?

Can i buy a home with bad credit ?Owner Carry, Owner Carryback, Seller Carry, Seller Carryback, Seller Financing, Seller Finance, Owner Financing, Owner Finance, Lease Option, Rent to Own, Lease Purchase, Lease to Purchase, Bad Credit, No Credit, No Qualifying, Easy Qualifying, No Bank TURNDOWNS HERE, I GET THE HOME YOU NEED — ROBERT HIGHSMITH WEST USA REALTY SCOTTSDALE ARIZONA www.roberthighsmith4@yahoo.com
Owner Carry, Owner Carryback, Seller Carry, Seller Carryback, Seller Financing, Seller Finance, Owner Financing, Owner Finance, Lease Option, Rent to Own, Lease Purchase, Lease to Purchase, Bad Credit, No Credit, No Qualifying, Easy Qualifying, No Bank Qualifying, CREATIVEAZFINANCING.COM CREATIVE FINANCING EXPERT

I sell homes for sale in Phoenix SCOTTSDALE MESA GLENDALE ARROWHEAD RANCH DC RANCH MCCORMICK RANCH SONORAN HILLS GRAYHAWK , Arizona areas, SELLER Financing AZ Expert

I am a full service Realtor based in Scottsdale Arizona. I specialize in owner financing, seller carry back financing, no qualifying and lease purchase contracts. I handle short sales locally and can help you with loan modifications , or outright listing and selling your home.Would you like to view GOLF COURSE HOMES IN SCOTTSDALE, PHOENIX, GLENDALE AND MESA, ARIZONA? They are available at reduced pricing throughout the Phoenix Arizona cities. I can start today.

In today’s tough real estate market, Arizona home buyers have many options to buy a home that do not require a traditional mortgage lender.

This means that if you have had some financial and credit problems in the past you, you as the buyer, may have some options available to buy a home without using a mortgage company. Often credit challenged buyers, who can provide proof of employment and have a good down payment can find a home to purchase with a cooperative seller. This is why you need my services – I know how to find and negotiate these types of home purchases.

My market areas include: Scottsdale, Phoenix, Glendale, Arizona and all surrounding cities.Owner Carry, Owner Carryback, Seller Carry, Seller Carryback, Seller Financing, Seller Finance, Owner Financing, Owner Finance, Lease Option, Rent to Own, Lease Purchase, Lease to Purchase, Bad Credit, No Credit, No Qualifying, Easy Qualifying, No Bank Qualifying, CREATIVEAZFINANCING.COM CREATIVE FINANCING EXPERT

Really , if you think about it, craigslist is being found guilty of murder, yes murder of a real estate business for realtors.So today hundreds of people in your area too, are going on craigslist, looking for homes for rent, homes for sale, homes to sell, and are able to pinpoint prices, and locations, and selections, all on there laptops. Hey thats my job, you call me for info, i do my job, research and help you along the home buying and selling process. Now , you guys out there have as much info as i do, zillow, realtor.com, homes .com, someones posted mls services for free reviews, craigslist, and many other sites, except you need us to finnish the deal .I hope to embrace the new way of real estate transactions , and move with it , but like years ago, when every client mentioned there brother, there sister, aunt , uncle , friend has a real estate license , today, i always hear , i will go to the internet , and then call you,welcome to the next era of who needs you?

What can i say, except i am sorry for buying to many houses,

There’s been much debate over the root causes of the housing meltdown that catapulted the nation into the worst financial crisis in 80 years – from lax lending and subprime loans to over-leveraging in the secondary market. A new report from researchers at the Federal Reserve Bank of New York focuses on the sharp run-up and subsequent collapse in housing prices during the 2000s.It concludes that real estate investors who used mortgage credit to purchase multiple residential properties with the intent of flipping, or reselling them within a short period of time, played a larger role in fueling the housing bubble than previously recognized.

These investors, the Fed researchers say, helped push prices up during 2004-2006, but when prices began to head south, they defaulted in large numbers, which served to intensify the housing cycle’s downward leg.Fed officials point out in their report that investors are more likely than owner-occupants to walk away from an underwater property. As such, lenders typically factor in that higher default risk by requiring larger down payments from buyers who acknowledge that they won’t be living in the house.

The expansion of the nonprime mortgage market during the 2000s, however, provided the perfect opportunity for optimistic investors to get low-down-payment credit, according to the report. “Buy-and-flip” investors, in particular, were able to make higher bids on houses, even if they had relatively little cash.At the peak of the boom in 2006, the New York Fed’s researchers found that over a third of all U.S. home purchase lending was made to people who already owned at least one house.

In the four states with the most pronounced boom-and-bust cycles – Arizona, California, Florida, and Nevada – the investor share was as high as 45 percent.

Overall, the investor share of mortgage-financed home purchases roughly doubled between 2000 and 2006, with the largest increases seen among those owning three or more properties, according to Fed data.

In 2006, Arizona, California, Florida, and Nevada investors owning three or more properties were responsible for nearly 20 percent of originations, almost triple their share in 2000, Fed officials report.

“Longstanding tradition in the mortgage lending business and the predictions of economic models hold that investors will quickly default if prices begin a persistent fall. This is what happened starting in 2006,” according to the Fed researchers.

From 2007 to 2009, they found that investors were responsible for more than a quarter of seriously delinquent mortgage balances nationwide, and more than a third in Arizona, California, Florida, and Nevada.

“We conclude that investors were much more important in the housing boom and bust during the 2000s than previously thought,” the researchers wrote in a blog post explaining their findings.

They stress that the availability of low- and no-down-payment mortgages in the nonprime sector enabled investors to make highly leveraged bets on house prices, which likely allowed the bubble to inflate further and caused millions of owner-occupants to pay more for their homes.

“In the end, even the value of the 20 percent down-payments made by responsible, prime borrowers was wiped out — leaving the housing market, and the economy, in the vulnerable state we find them in today,” according to the researchers at the New York Federal Reserve. I to was the cause as i bought several homes to flip, although i had to put down 20% , it still went south for me ,also, i have been able to keep them through renting them .

Posted by robert highsmith on 12/13/2011 08:36 AM Comments (0) seller financing owner carry loan modifications shortsales owner financing

OWNER CARRY SELLER FINANCING IN A DEL WEBB GOLF COMMUNITY-TERRAVITA -NORTH SCOTTSDALE (Draft) (edit/delete)
JUST WHAT THE DOCTOR ORDERED TODAY, AN OWNER CARRY SELLER FINANCING NO QUALIFYING HOME IN PRESTIGIOUS DEL WEBBS TERRAVITA COMMUNITY . GOOGLE OT UP , ITS A SHOWPLACE AREA IN NORTH SCOTTSDALE ARIZONA GOLF COURSE – TENNIS COURTS – FITNESS CENTER LIVE A GOOD LIFE IN THE ARIZONA DRY DESERT , YOU WILL SHOVEL SUNSHINE ALL WINTER HERE $359,000 WITH 10% DOWN ROBERT HIGHSMITH REALCORE REALTY 480-250-8020 I HAVE OTHERS WITH SELLER CARRY OWNER FINANCING IN SCOTTSDALE ARIZONA

MLS # – 4678360

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Posted by robert highsmith on 11/19/2011 09:42 AM Comments (0) seller financing owner carry loan modifications shortsales owner financing LEASE OPTIONS

Home was way underwater, upside down ,loan balance way more than market value ,almost $200,000 underwater.Took on a high mortgage when everyone else was buying with easy credit.

Borrowing that much had seemed to make sense when the value of the home was still rising substantially every year, taking our net worth higher with it. But at that point, there was no way we could sell the home for anywhere near what we owed. Some of my friends were already doing short sales, where the bank agrees to let you sell the house for less than your loan balance. I was also aware you had to be three months behind in your payments before the bank would talk to you about the possibility.

At first, I dismissed the idea of a short sale. Late that summer, I sat down with a really close friend in Las Vegas, someone I looked up to. He cut to the heart of the matter right away: Why, he wanted to know, were we still making the payments?

Because I have a moral obligation, I said. You pay your debts.

He proceeded to explain that I didn’t have a moral obligation to the bank. I had a moral obligation to my family. I had a contractual obligation to the bank, along with a clear moral obligation to be honest in my dealings. What he was asking was this: Which is more important? Your contractual obligation to the bank or your obligation to your family to preserve your ability to make a living?

I had never thought of it that way. But it made sense. I summed it up to myself like this: I have a contractual obligation to the bank (as well as a moral obligation not to skirt the consequences of breaking it: losing my house and wrecking my credit score). But my moral obligation to my family trumps the contractual obligation to the bank.

Cori and I thought about this for months, but we finally decided to let the house go and stop making payments so we could pursue a mortgage modification or a short sale. The fact was, we didn’t have a choice. We simply couldn’t afford it.

I remained troubled by the ethical implications of what I was doing, but I soon started seeing some of my friend’s arguments echoed in the work of Brent T. White, a law professor at the University of Arizona. He and others were arguing that homeowners should act more like companies — taking into account legal and economic reasons for stopping a regular payment rather than “perceived moral obligations.”

That was reassuring in the dead of night while I sat in front of the computer trying to make sense of the world financial markets and my own personal situation. I remember being relieved at discovering a way to frame my decision.

But we didn’t know what would happen in the harsh light of day, and we were scared to death. Would we be kicked out of our house? What would the neighbors think? What would the children think? We worried about the stress on our relationship and even the survival of our marriage. I felt like a complete failure.

We looked into a mortgage modification, thinking it might let us keep the house and rent it out after we moved. But the offer from Wells Fargo, which owned our loans by then, was too modest. That meant we could either walk away from the house or work with the bank to do an orderly short sale.

A bank representative came to the house and met with us. He was such a nice guy. Cori had treated it like an open house, and the place was spotless. The guy said he’d never met anyone more qualified for their short sale program.

Somehow, even in that horrid market, we sold the home for $531,000. That was in late August 2010. In exchange, the lender released us from both our first and second mortgages. Today, Zillow estimates the home’s value at $505,000.

We were pretty low when we packed up to leave. We hadn’t told anyone about the short sale — not family and only one or two friends. But we sensed that people knew anyway.

We borrowed a truck from a friend who owns a wood mill to move our belongings. Back in Utah, we found a house to rent— much to my relief and after months of being terrified that we’d never be able to find a landlord willing to take a chance on us. I had to tell the owner what had happened. He looked at our personal references and let us lease the house anyway.

We love where we live now. Still, there are consequences. We lost our home. It’s not clear when we’ll be in a position to become homeowners again.

But the worst thing was my sense of complete failure and powerlessness when I realized that things were out of control and that it was my fault. These days, there is still a sense of genuine regret that I screwed up and hurt myself and other people. I still worry about what others think of my behavior, which is one reason I haven’t shared this story with many people until recently.

We have a friend who is under water on his mortgage even though he has lived within his means and done everything right. He’s sticking with his mortgage for as long as he can.

Someone recently asked me what I’d say to people like him. I guess I’m saying it now. As I was writing this article, I pulled behind a truck with a bumper sticker, “Honk if I’m paying your mortgage.”

I thought about that for a while. I guess one of the ideas behind that bumper sticker is that people like Cori and me who couldn’t afford to pay off our mortgages are to blame for the financial crisis and the bank bailouts that followed. This isn’t the place to explain the causes of the economic slump, and I’m not the guy to do it.

Still, the questions linger. As I ponder all this — and I think about it a lot — it occurs to me that we are a nation of risk-takers. Some of us were overoptimistic; some were ignorant; some were deluded; some were greedy; some just had bad timing. We erred to different degrees. Our experiences varied; each story is different. Now you know mine.

The experience has changed just about everything about how I do financial planning and the advice I give in public. For one thing, I am less quick to judge other people’s financial behavior. I’m also more inclined to take into account personal factors that determine how people behave around money.

I have a friend who is going through a tough time financially. He has a high income, but is burdened by debt from a few real estate deals that went south. He continues to take fairly expensive ski trips. That would seem irresponsible in his situation, and maybe they are.

But I now realize that it is not that simple. Maybe those trips are keeping the guy alive, or saving his marriage or keeping him sane enough to work.

I have another good friend who borrowed against his house to pay for a therapist. Unless you were walking in his shoes you might think that was stupid, but it saved his life and changed his career. It ended up being one of the best investments he ever made.

The process of making financial decisions is about more than building a spreadsheet to calculate the answer, because life rarely fits cleanly into a spreadsheet. Our decisions often appear irrational until we understand the whole story.

I’ve also learned some things about risk. Risk is an arbitrary concept, until you experience it. And I’ve noticed myself focusing more on the consequences of something going wrong than just the probability of that happening. As a result, I tend to urge my clients to make decisions that err on the side of caution.