Bay Area Real Estate Investor Forums Seminars & Events

Bay Area Real Estate Investor Forum | Fremont CA 9/16/09

2009-09-12T13:57:00.000-07:00

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Investor Forum in FREMONT CA 9/16/09! RSVP Here!

Join us with Bob Snyder and learn from a ton of Real Estate Entrepreneurs and Investors. This will be a packed evening event where you will learn nuts and bolts Real Estate Investment knowledge to take advantage of what is happening in the market RIGHT NOW!

Until Next time Here is to your success! Jason Wheeler 925-285-2172 | Come to a FREE Bay Are Event |

Contra Costa Bay Area Mortgage Credit Certificates

2009-07-01T13:56:00.001-07:00

Public Finance

Mortgage Credit Certificates

MCC funds now are available.

Program Summary

The Mortgage Credit Certificate Program, authorized by Congress in the Tax Reform Act of 1984, provides financial assistance to "First time homebuyers" for the purchase of new or existing single-family home. In 1985, the State adopted legislation authorizing local agencies, such as Contra Costa County, to make Mortgage Credit Certificates (MCCs) available in California. Contra Costa County MCC authority can be used in all cities as well as the unincorporated areas of the County. The Contra Costa County Community Development Department will administer the program.

What is an MCC?

The MCC Program is a homebuyer assistance program. The MCC provides qualified first time homebuyers with a federal income tax credit. Income tax credits reduce an individual's tax payment(s) by an amount equal to the credit. Under the MCC program, the maximum tax credit available is equal to 20 percent of the annual interest paid on the borrower's mortgage. By reducing the borrower's federal tax liability, the tax credit essentially provides additional income which can be used for mortgage payments.

How does the MCC reduce your taxes?

In the example given in Table 1, a borrower with a 7.5 percent fixed rate 30-year mortgage of $150,000 would make $11,203 in interest payments during the first year of the mortgage.1 Under normal circumstances, the borrower deducts 80 percent of that interest ($8,962 in our example)-along with other allowable deductions-from his total gross income in order to figure the "adjusted gross income" used to calculate his/her total tax liability. After the borrower has calculated the total tax liability, under the MCC program the remaining 20 percent of the interest ($2,241 in our example) is also deducted from his/her total tax liability. If this subtraction results in a negative number-in other words, if the borrower is unable to use the entire MCC tax credit in this particular tax year-the credit may be carried forward and used, up to three calendar years in the future. The borrower may consider adjusting his/her federal income tax withholding (W-4) so as to benefit on a monthly basis for the MCC. By taking this action, the borrower will have more disposable income to make mortgage payments.

Table 1: Effect of a Mortgage Credit Certificate - Example
1.	First Mortgage Amount	$200,000
2.	Mortgage Rate Interest	7.5%
3.	Annual Interest Payment	$15,000
4.	Mortgage Credit Certificate Rate	20%
5.	Annual MCC Amount (Line 3 x Line 4)	$3,000
6.	Monthly Credit Amount (Line 5 ÷ 12)	$250

Note that the MCC program applies only to the borrower's federal tax liability. State taxes are not affected.

What are the purchase price and income limitations for MCC Participation?

Mortgage Credit Certificates are available to first-time homebuyers in Contra Costa County. Table 2 shows the purchase price and income limitations for MCC Program participants.

Table 2: MCC Program Purchase Price and Income Limitations
Purchase Price	Non-Target Areas	Target Areas
New (never occupied) units	$629,005	$768,784
Existing (resale) units	$619,381	$757,021

Income
1 and 2 person households	$100,560	$120,672
3+ person households	$117,320	$140,784

How does a borrower obtain an MCC?

To obtain an MCC, a purchaser of a new or existing single-family home works with any mortgage lender participating in the MCC program and applies for an MCC and a mortgage loan at the same time. Lenders process the underlying mortgage using standard procedures, with adjustments to those procedures as needed to satisfy the MCC requirements. The lender is responsible for underwriting and execution of required State and federal certifications and affidavits. The County reviews executed certifications and affidavits from the lender in order to determine qualification and eligibility of the MCC applicant.

May an MCC be used with a re-financed loan or to assume an existing mortgage?

An MCC cannot be issued to a homeowner who is refinancing an existing mortgage or to an applicant desiring to assume an existing mortgage unless (1) the mortgage is held by a current MCC holder and (2) the sales price of the house being sold falls under the sales price maximum for the program. In all other cases, only new, first mortgages are eligible for MCC participation.

Loans with an MCC attached to them can be refinanced once and the MCC can be reissued. If the refinance loan is then refinanced, the homeowner loses the MCC. The RMCC can be done directly with the homeowner without involving the lender. There are no restrictions regarding the amount that can be refinanced. The fee for an RMCC is non-refundable $200. RMCC Letter, RMCC Application, RMCC Certifications, RMCC Application Checklist

How many MCCs will be available under the program?

The number of MCCs available depends on the amount of issuing authority for which the jurisdiction applies.

Potential for recapture of portion of the tax credit if home is sold within the first nine years after purchase.

In order to discourage individuals from buying a home primarily to benefit from the tax credit and short term appreciation potential, the federal government has initiated a recapture of a portion of the tax credit if a home is sold within the first nine years after purchase. Certain conditions must exist for the recapture to take effect. The County MCC staff and your lender can outline the specifics of this recapture program at the time of your application.

APPLICATION AND ELIGIBILITY REQUIREMENTS FOR MCC PROGRAM

The Contra Costa County MCC Program eligibility requirements are as follows:

MCCs will be available only to "first-time homebuyers", (i.e. not owning a home within the past three years).

As first-time homebuyers complete their normal loan application process with a participating lending institution, their mortgage lenders will prepare MCC applications and forward them to the County. The County will then issue MCCs on a first-come, first-served basis according to when the initial application is received by the County. County staff requires 5-7 days for application review and processing.

Applicants may buy a residence only for their own occupancy, not for rental or reinvestment. Occupancy as "principal residence" must be within 60 days of the close of escrow.

Applicants must pay a non-refundable application fee of $200 at the time the lender applies to the County on their behalf.

The MCC can be used when buying a new home with a maximum purchase price of $629,005, ($768,784 in Target Areas) or an existing home with a purchase price that does not exceed $619,381 ($757,021 in Target Areas).

MCCs can only be transferred in cases where the home is being sold to another eligible MCC applicant. In such a case, all MCC requirements must be met and the mortgage must be assumed for the transfer to occur.

Until Next time Here is to your success! Jason Wheeler 866-833-7413 | Come to a FREE Bay Are Seminar |

Get FREE MP3 of Think and Grow Rich and download the ebook by Napoleon Hill!

Bay Area Real Estate Investor Workshop June 24th & 25th

2009-06-24T12:25:00.001-07:00

REAL ESTATE FORUMS SHOWING HOW A NR STUDENT HAS USED THE EDUCATION TO MAKE A FORTUNE!

This is your opportunity to learn from an expert in business and real estate investing- sharing his experience and solutions for making money in this market.

WED NIGHT BAY AREA

Hilton Garden Inn

1800 Powell St.

Emeryville, CA 94608 - CLICK HERE TO RSVP

THURS NIGHT SACRAMENTO & SAN JOSE

Holiday Inn Sacramento Northeast

5321 Date Ave (Madison and I-80)

Sacramento-Roseville, CA 95841 - CLICK HERE TO RSVP

Sheraton Hotel

1100 North Mathilda Avenue

Sunnyvale, CA 94089 - CLICK HERE TO RSVP

Government Overhaul?! Where Does it End?

2009-06-18T17:21:00.000-07:00

How do you feel about a "Government Overhaul" of the Financial Industry? Do you find it alarming that Washington wants to give this kind of power to the FED? To push something like this through so fast seems reckless. Giving the the FED the power to meddle in private business affairs when it deems things to be in trouble goes against everything in the Bill of Rights. Not to mention the FED policies of the Greenspan era are what created this whole mess to begin with. What makes Washington think that they can clean it up?

Where will the Government intervention stop? How will this type of Government control change business and Bay Area Real Estate? If history is any kind of teacher, I'm afraid we are in for years of financial issues.

Until Next time Here is to your success! Jason Wheeler 866-833-7413 | Come to a FREE Bay Are Seminar |

Get FREE MP3 of Think and Grow Rich and download the ebook by Napoleon Hill!

What Happened to Rates Last Week?

2009-06-17T16:50:00.000-07:00

Wednesday and Thursday saw our highest 30 year fixed rates of 2009 beating last Wednesday's record high. It is the third consecutive week where we have set a new high. We did bounce back at the end of the week thanks in part to a fairly well received 30 year treasury bill auction but we still closed down -25 basis points (rates got higher) from the previous week.

There has been a lot of volatile in the market and the long term trend is still upward although we are enjoying quite a pull back. If you are in the market take advantage and lock in if possible.

Until Next time Here is to your success! Jason Wheeler 866-833-7413 | Come to a FREE Bay Are Seminar |

Get FREE MP3 of Think and Grow Rich and download the ebook by Napoleon Hill!

Six Creative Marketing Sources for Any Business

2009-05-20T20:54:00.000-07:00

If you are in business you are in the business of marketing! No matter what your product or service is you must have an effective scalable marketing plan. There is no blue print to a marketing plan but many say that in order to increase your efficiency in business you should have at least seven different sources that consistently provide your business with traffic, leads and ultimately sales. You MUST also have a great retention plan to stay in touch with clients and business partners. I would like to share several sources that have proven to me over time to be very valuable in creating leads and keeping them in your pipeline.

Face to Face Networking - Many avoid this but it is by far the best way to grow just about any business. Great organizations like BNI and your local Chamber of Commerce will get you in front of people that can turn into business partners.

Fancy Fliers - there are several creative sources like Crazy Millions that provide unique fliers that people hold on to. We average a 3% to 5% call return from this source.

Online Lead Sources - Can't find enough leads? You can buy them online cheap. Sources like Reference USA are free and Info USA is very affordable. Depending on what you are selling, it is likely you can find leads online.

Online Social Networking - Any business owner that is not turning leads from Facebook, LinkedIN and other networking sites are completely missing the boat. Make friends and make an appointment!

Making the Calls! - This is the part that many business owners dread. You can create a Phone Zone group or use a service like CitaLink that will have you making 100 calls in an hours time.

Staying in Touch -with clients and customers that are just not ready to buy or partner with you is crucial. Sites like www.TXTBlaster.com and AWeber are inexpensive and great for staying in touch.

Stay tuned for elaboration on each one of these sources and how you can use them!

Until Next time Here is to your success! Jason Wheeler 866-833-7413 | Come to a FREE Bay Are Seminar |

Get FREE MP3 of Think and Grow Rich and download the ebook by Napoleon Hill!

Crazy! Million Dollar Leads | Create a BUZZ About Your Business

2009-05-04T19:18:00.000-07:00

Have you been looking for a unique way to get your marketing message out? You should check out Crazy Millions! This has changed my business and helped me create buzz with a unique fun tool that people actually keep and pass around. You can give them out as a novelty and who knows what you will find. Hide them in a magazine or bill fold and just watch the results. Printing is quite inexpensive and it's a good way to set you apart.

Until Next time Here is to your success! Jason Wheeler 866-833-7413 | Come to a FREE Bay Are Seminar |

Get FREE Copy of Think and Grow Rich on MP3 to Succeed in Real Estate!

Bay Area FREE Seminars | Live Real Estate Workshops

2009-05-03T19:29:00.000-07:00

Come network and learn with professionals in Real Estate Investments and Business this week in the CA Bay Area! Napoleon Hill says if you want to be successful you need to participate in a Mastermind Goup. Check out this events that are coming up this week in the Bay Area and get in touch if you would like to attend. Also you can recieve free recorded information by calling 800-314-2286.

Monday Night: Get motivated and learn how hundreds of people have created wealth in Real Estate and Business. Dial in Call: (319) 279-1057

Pin Code: 11692# 8pm Pacific Time!
Tuesday Night: Learn about unique opportunities and how you can get invovled on our EPIC Webinar! Goto www.GatherPlace.net Click on 'Join A Session' ; Access Code: 9219428 Dial Team Call Line for Audio: (712)432-0402,9720601#
Wednesday Night: Meet and Mastermind with several five figure monthly earners in the Real Estate Investment field. Learn how you can get started. Emeryville CA. Call 925-285-2172 to reserve your spot!
Thursday Night: Meet and Mastermind with several five figure monthly earners in the Real Estate Investment field. Learn how you can get started. San Jose CA. Call 925-285-2172 to reserve your spot

Until Next time Here is to your success! Jason Wheeler 866-833-7413 | Come to a FREE Bay Are Seminar |

Get FREE Copy of Think and Grow Rich on MP3 to Succeed in Real Estate!

Two Simple Ways To Save Time In Your Day.

2009-04-21T18:23:00.001-07:00

Do the days seem to get away from you? Not keeping to your schedule or maybe you don’t have a schedule? Here are some time management tips that will help you get things under control.

Set Time Limits

What eats most into your time? When you look at what eats up most of your time it is usually e-mail, web surfing, and television. Don’t turn off your electronics. Instead set time limits for these activities. Decide upon an amount of time you will do each and stick to it. Just following this time management tip will free up tons of your time.

Distractions

Set up times when you don’t check email, answer your phone, or gab with coworkers or friends. During these time periods do the things that are most productive. These are activities which contribute to your health, wealth, and spiritual/mental well being. This is the most important time management tip of all. Spending quality time focusing upon productive activities without any distractions will make you incredibly productive. You will see the benefits of following this one tip within weeks.

Rate Watch 4/14/09

2009-04-14T11:41:00.000-07:00

Initial Jobless Claims Down:

Initial Jobless Claims were down by 20,000 last week. While the overall numbers were still bad, this is the first time in quite a while that we have had any sliver of positive news in the employment numbers.

This is important because our housing markets have always been tied directly to employment levels. As the employment picture starts to level out, consumer confidence will rise and will lead to increased interest in housing. You really need to consider taking advantage of these great rates and large selection of homes on the market while home prices are still at bargain levels.

What happened to rates last week?
The Mortgage Backed Securities (MBS) market closed early on Thursday. We ended up slightly for the week but we had a roller-coaster ride.

We saw a huge +69BPS rally in Fannie Mae mortgage backed securities on Tuesday and Wednesday that caused 30 year fixed mortgage rates to fall.

But we gave it all back by Thursday's market close which caused 30 year fixed rates to move back to their levels on Monday.

Until Next time Here is to your success! Jason Wheeler 866-833-7413 | Come to a FREE Bay Are Seminar |

Get FREE Copy of Think and Grow Rich on MP3 to Succeed in Real Estate!

Three Simple Steps to Improve Your Financial Situation

2009-04-14T11:32:00.001-07:00

It's become obvious that the financial worries in this country and in the world are infectious and spreads like wildfire. In times like today it is very important that we have plans in place to make sure you don't become a victim of this current so called financial crisis. I talk to hundreds of people each week, and one of the my favorite questions to ask people are "How is today's economy affecting your day to day life?" Almost everyone says things are horrible. The biggest problem is that very few take personal responsibility and take the action steps required to make things better for themselves.

Forget about TV and the mainstream news! Read a motivating book instead and fill your mind with something positive.

Learn something new everyday! Make a point to do SOMETHING to improve on your current skills or learn a new one. Do you know about financial literacy and investing? Are you well versed in Stock Options and Real Estate Opportunities that are available to anyone in today's market?

Evaluate your activities every day! Without evaluation you will never learn what NOT to do. At the end of every day ask yourself. What did I learn today? What did I do today to make my situation better? Questions like these will lead you to the answers that open doors and opportunities.

The fact is that in time like this it is easy to get caught up and let life happen to you! It all starts with how you think and what you do.

Until Next time Here is to your success! Jason Wheeler 866-833-7413 | Come to a FREE Bay Are Seminar |

Get FREE Copy of Think and Grow Rich on MP3 to Succeed in Real Estate!

4 Things to do Today to Build Wealth In Real Estate

2009-03-25T17:50:00.000-07:00

Are you still waiting to get into the real estate market? If you are on the fence or nervous about the state of the economy and the real estate market that is understandable. The way the media fills our heads with doom and gloom is hard to overcome at times. However if you want to do something for your future and truly start creating wealth for yourself you need to STOP listening to your friends and the news NOW! There has never been a better time to buy real estate for your residence or as an investment! Rates are at all time lows right now and home prices in the CA Bay Area are so low you can finance a 3 bedroom home for less than you would pay rent on a 2 bedroom apartment. Here are a few action steps to get moving!

Get financing in order (Talk to a Loan Consultant you feel like you can trust) today rates are as low as 4.5%

Connect with a GOOD Realtor (Get a referral from a friend)

Educate yourself on different entrance and exit strategies

Most important Start taking action TODAY!

Until Next time Here is to your success! Jason Wheeler 866-833-7413 | Come to a FREE Bay Are Seminar |

Get FREE Copy of Think and Grow Rich on MP3 to Succeed in Real Estate!

Email Marketing? What is the Best System?

2009-03-11T18:49:00.000-07:00

Email marketing is a must have when staying in touch with a group of people! The internet has become so important to almost all marketing no matter what the product is. I've found some great software that is affordable and ultra user friendly. If you are using Constant Contact you need to take a look at this and compare it. I use this software to market to several lists including buyers, lenders and several others. Many businesses are using Constant Contact or somthing like it however what they don't know is you, the consumer are paying for their ultra high marketing and advertising budget. I've found that AWeber has much more to offer with a much better price tag. When you look at a marketing system there are a few things you want to look for.

Can you easily set up a list specific to a certain market?

Does the system easily let your subscribers opt in and out?

Does your system provide custom forms for opting in to what you offer?

How does the system stack up to the competition?

Until Next time Here is to your success! Jason Wheeler 866-833-7413 | Come to a FREE Event | How I Stay Successful |

Real Estate Investing In the Bay Area Short Term Deals 20% to 50% Return

2009-03-10T18:11:00.001-07:00

Have you ever wondered how you can get invovled and create a Real Estate Investment income? You need to watch this eight minute video today. Learn to get invovled no matter how much money you have at your fingertips. What I love about Real Estate Investing most is that it's not about how much resources you have but it IS about you resourceful you can be. Watch learn and call me to get invoved.

Until Next time Here is to your success! Jason Wheeler 866-833-7413 | Come to a FREE Event | Subscribe To My Blog | How I Stay Successful |

Mortgage Rate Weekly | Financial News

2009-03-02T12:14:00.000-08:00

Existing Home Sales Show Promise:

Existing Home Sales were released last week by the National Association of Realtors. Their figures show that December's numbers were down 5.3% for the month and that when you compare January 2009 to January 2008 it was a difference of -8.6%. Both of these numbers received a lot of media attention that used the data to continue to paint a negative picture of the housing industry.

But buried in the report was some news that is very encouraging: Inventories fell to a 2 year low! They reported that the existing home inventory fell to 9.6 months. This is very important because economists believe that once we get close to a 6 month level it will signal the bottom of the housing market. Each month we get closer and closer to that goal. When we get to that level home prices will stabilize and begin to increase. This means that buyers should take advantage of the temporarily low price levels now. Remember you make money when you buy the home not when you sell itJ

What happened to rates last week?

We lost over 70 basis points over the last week causing 30 year fixed interest rates to rise to our highest levels in the past two months.

The slide in interest rates is largely due to the mortgage backed securities market's fear and concern about the proposed "Cram Down" legislation that could potentially give federal bankruptcy judges the ability to unilaterally lower interest rates and principal balances on existing mortgage contracts.

This could cause mortgage holders to lose large sums of money. To offset that potential loss, mortgage rates must rise.

What to watch out for this week:

The are many major economic reports that will hit the market this week. They each have the ability to affect mortgage rates. I will watch these reports closely for you and let you know if there are any big surprises. Let me know if you would like a list of when the reports will be released.

Until Next time Here is to your success! Jason Wheeler 866-833-7413 | Come to a FREE Event | Subscribe To My Blog | How I Stay Successful |

The Only Bad Experience

2009-01-16T17:20:00.000-08:00

"No man was ever so completely skilled in the conduct of life,

as not to receive new information from age and experience." Jonathan Swift

The only experience that could be a failure it one that you learned nothing from!

Not only age and experience but you would be surprised the things you learn from people you would normally think you couldn't learn anything from! I've made it a policy in my life and business practice to always look to learn from any conversation! Many in our industry come off too busy to talk to the little guy or meet with a random business owner but if that is you, you are leaving behind unknown nuggets of gold! I met a salesman at a local bar not to long ago and at first glace seemed to be just another "Joe" I spent some time asking him questions about what he did and who he knew and after ten minutes had made a connection that eventually lead to a very lucrative business transaction! Don't prejudge anyone!

Until Next time Here is to your success! Jason Wheeler 866-833-7413 | Come to a FREE Event | Subscribe To My Blog | How I Stay Successful |

Unstoppable in 2009 FREE Live Real Estate Event!

2009-01-09T14:46:00.000-08:00

Here's one last quote from Dr. Joyce Brothers
"Success is a state of mind. If you want success, start thinking
of yourself as a success."

*Happy New Year and get ready to be UNSTOPPABLE in 2009! This training to kickoff 2009 will create an UNSTOPPABLE theme for this territory and introduce the "One Dream One Team" attitude and concepts for this next year!! There is only one place to be Saturday if you are intending to take your 2009 Real Estate Investing business to a new level, and that is surrounding yourself with UNSTOPPABLE people recognized from 2008 and those creating an even better 2009!! Parking is free. Event will start and end earlier than usual so be sharp!! 8am registration; 8:30am Start !!

Until Next time Here is to your success! Jason Wheeler 866-833-7413 | Come to a FREE Event | Subscribe To My Blog | How I Stay Successful |

FREE Bay Area CA Real Estate Investment Seminars!

2009-01-07T19:36:00.000-08:00

UPCOMING FREE CA BAY AREA REAL ESTATE INVESTMENT EVENTS !

Join us for one of our free upcoming events and start changing the quality of your life and your finances! At these events you will learn about a unique opportunity to start learning and creating the wealth you and your family deserve, through sound real estate investment strategies, we will show you how to build a cash flowing real estate portfolio long term for passive income streams, as well as short term strategies that take little or no money to get involved in that can yield $10,000 to $20,000 per transaction! More importantly you can get involved in a community of investors that want to help YOU succeed in real estate investing!

As many great athletes said "You will always miss 100% of the shots you don't take!" so take a shot for your financial freedom and join our network!

WEB EVENTS

Go to www.GatherPlace.net Click on "Join A Session" Access Code: 6352360
Dial Call Line for Audio: (218) 339-4600
Participant Access Code: 240138#

Until Next time Here is to your success! Jason Wheeler 866-833-7413 | Come to a FREE Event | Subscribe To My Blog | How I Stay Successful |

What are the Costs Of Action?

2009-01-05T19:02:00.000-08:00

"There are risks and costs to action. But they are far less

than the long range risks of comfortable inaction. " John F. Kennedy

WOW this is quote really makes me think about how so many people simply continue to what they do every day simply because it is familiar and comfortable. I recently adopted a policy that If I don't want to do it... I probably should anyway. All great achievements are made when out of your comfort zone!

We've found at least 6 ways you can make money from

your blog. If you want to increase your blog's revenue

stream, our Simpleology Elective on Blogging can point

you in the right direction. I love using the tools on this site to continue growing and leaning EVERYDAY! You should check it out!
Until Next time Here is to your success! Jason Wheeler 866-833-7413 | Come to a FREE Event | Subscribe To My Blog | How I Stay Successful |

Last Webcast of the 2008 Year Tonight! Join Us!

2008-12-30T17:25:00.000-08:00

If you are looking for a way to rocket your Real Estate Investment portfolio and create a whole new level of success for yourself then you must join us for our Webcast on Financial Literacy and Real Estate Investments. Since 2002 we have created many successful Investors and Associates nationwide who make a significant income and own millions in Real Estate. In about an hour we would like to share with you the following.

The details of what we do and how you can get involved.

An opportunity that can help jump start your income within the next four to six weeks.

An introduction to our companies leadership and community in the CA Bay Area.

Go to www.gatherplace.net ; Click on 'Join A Session' ; Access Code: 9219428

Conference Call: (712)432-0402

Conference Code: 9720601#
This webcast at 7pm tonight 12/30/08.
Until Next time Here is to your success! Jason Wheeler 925-285-2172 | Come to a FREE Event | Subscribe To My Blog | How I Stay Successful |

Every Fire Starts with a Single Spark!

2008-12-26T12:43:00.001-08:00

"Trust yourself. Create the kind of self that you will be happy

to live with all your life. Make the most of yourself by fanning

the tiny, inner sparks of possibility into flames of achievement."

how can you relate this quote to Your Pathway to Power?

This is a quote from Golda Meir
To me this means that success is a constant process! There is no such thing as an overnight success. All success starts from a tiny spark. It takes time to build that spark to a rouring fire that can overtake almost anything!

Until Next time Here is to your success! Jason Wheeler 925-285-2172 | Come to a FREE Event | Subscribe To My Blog | How I Stay Successful |

Enjoy The Upcoming Holiday's Then Plan for Next Year!

2008-12-23T19:25:00.000-08:00

Do you stress out around the Holiday's or do you take time to enjoy and reflect on the year behind us? The holiday season can be very stressful. Many scramble around doing whatever it takes to get the perfect gifts for those they care about. This year many are holding on to all the cash they have and worried about what is to come in 2009. I take this time to reflect on the year past and plan for the next year ahead. Of course the most important part of this time of year is to spend quality time with your family and friends. Once the feasts are over and the family goes home you should really take some extra time out to plan for your success in 2009. Here are some of the main activities that will help you grow next year.

Get a coach or a mentor! Find someone that has exactly what you want and ask to interview them. Find out what they do different and do exactly what they do. Success leaves clues and if you find a good quality model or mentor and do just what they do, shouldn't you have a similar result?

Do a consistent monthly budget! You NEED a budget if you want to succeed. How will you know how to get where you need to be if you don't know where you are now! I would love to share my personal budget plan with anyone that would use it. It will change your business. If you don't have a budget you don't have a business!

Make a plan!! Those that fail to plan always plan to fail! Write down your goals give a time line for yourself and work backward to achieve what you want. Take massive action toward your specific goals and you will get them. Don't be a goal setter become a goal getter.

Have a Merry Christmas! and I hope we can connect soon!

Until Next time Here is to your success! Jason Wheeler 925-285-2172 | Come to a FREE Event | Subscribe To My Blog | How I Stay Successful |

WOW Look at Mortgage Rates!

2008-12-09T18:44:00.000-08:00

You always hear in adds and on the Radio that "Rates are at an all time low... Call NOW!" Well rates really are at an all time low right now and if you own property and you have equity in your home you really should take a look at your options to better your current mortgage situation. Below is a chart reflecting the last year for long term mortgage rates.

Now would be a great time to evaluate if a refinance is a good fit for you. If you are on the fence waiting for the bottom of the market... You will miss it before you know it. Don't try and time the market! Get in if you can afford it. If you are an investor... well I don't have to tell you then. You are probably buying all the properties you can right now.
Until Next time Here is to your success! Jason Wheeler 925-285-2172 | Come to a FREE Event | Subscribe To My Blog | How I Stay Successful |

Zero Down Zero Closing Cost Cash Flow Investment!

2008-12-08T20:51:00.000-08:00

Would you like to look at a real estate investment that provides cash flow, for zero money down and zero closing costs? If the answer is yes then get in touch with us ASAP. We have a project that we would like to sell to Wholesale Real Estate Investors looking for cash flow and equity over the next 3 to 5 years. Don't prejudge this opportunity before you take a close look in order to get all the information.

This project is very creative and gives an opportunity to the average person to get involved in a buy and hold real estate strategy. We will manage and finance these deals for the right investor. Information is the key to making a decision so if you would like to take a look you can connect with me directly.
Until Next time Here is to your success! Jason Wheeler 925-285-2172 | Come to a FREE Event | Subscribe To My Blog | How I Stay Successful |

Have You Started Your 2009 Budget? Here is a Template!

2008-12-06T22:34:00.000-08:00

Its the end of the year and time to start your 2009 budget review! If you operate a business, a household or even your own finances the use of a budget and financial literacy is absolutely critical to achieving goals and controlling spending. The average American has never had any training on financial literacy and budgeting. In my quest to actually provide a tangible value to anyone who subscribes to this blog, I would love to share the budget template that I use in my personal and business endeavors. I always hear people ask if there is a template available.
This budget is simple and even someone who has never done this before can easily start planning for the year ahead! It is very important to review and revise you budget as you need to as least once every month. Before you know it you goals and and your finances will be in better order. Especially with families and businesses tightening up because of the current economic conditions you need to start planning. If you would like to review this template with me I would love to hear some feed back or connect with you personally!
Until Next time Here is to your success! Jason Wheeler 925-285-2172 | Come to a FREE Event | Subscribe To My Blog | How I Stay Successful |

Ever Take Credit 101?

2008-12-04T08:15:00.000-08:00

Did you ever take a class in college called "Credit 101"? It is a tragedy that in the traditional education system they teach us nothing about building and maintaining a positive credit rating! As someone that talks to hundreds of people about this subject every week I wanted to find a way to help people who need help repairing their credit scores do so in an efficient and affordable fashion. In my search for a reputable company I found tons of them that were not reputable. Most of these repair companies charge thousands of dollars up front and make absolutely no guarantees as to the repair of your credit score.
I'm happy to say that in 2004 I found a company that for a very affordable monthly fee they will take the time and do what it takes to restore your credit rating. There are no contracts and you can cancel anytime. I have sent countless clients to Lexington Law and almost all of them that have stuck with the program for six to nine months have seen a dramatic improvement in their credit and their lives. If you use the promo code 8659 you will get a great deal on the program. A great credit rating will open doors for you that you did not have access to before.
Until Next time Here is to your success! Jason Wheeler 925-285-2172 | Come to a FREE Event | Subscribe To My Blog | How I Stay Successful |

Define a Plan to Invest In Real Estate!

2008-12-02T19:47:00.000-08:00
Everyone knows that there is some money to be made in Real Estate Investments, why is it that not very many people get involved? Too many people say that they just don't have the time to get started. People are busy with their family and life events. More than anything I hear people say they cannot get involved because they have to work. This is exactly why you must get involved. How would it feel if you learned to do one transaction that yielded you $15,000 to $50,000! Would that free your time!
Many say that they just don't have the knowledge and this is a very real and true concern. Today's public education services do not include a curriculum that teach people to create wealth with an entrepreneurial endeavor such as real estate, and many seminar companies simply give you tidbits and up sell you to the next event. The problem is that there are not very many resources and communities that truly help others learn Real Estate Investing techniques. Reading books and listening to tapes is crucial to the learning process but more than anything you will need a group of mentors that can help you with your first transactions. A community of people that are trying to achieve the same results as you are is the key to duplicating success.
If you would like to learn about our system you can absolutely get in touch with us anytime. We love networking and collaborating with other professionals in order to work toward common goals in business and Real Estate Investing!
Until Next time Here is to your success! Jason Wheeler 925-285-2172 | Come to a FREE Event | Subscribe To My Blog | How I Stay Successful

Top Four Marketing Ideas

2008-11-14T18:21:00.000-08:00

All business requires two things absolutely. You must have a great idea, and you must have a unique way of selling or marketing that idea. No business was ever successful without effective consistent marketing. Today I would like to share with you some of the most effective ways to bring traffic to your business. The internet is key to marketing almost any business these days. Getting information form a web site is a safe non evasive way for the consumer to gather information on your business. However you must have some means for gathering a potential clients information and staying in front of them with your message in the form of a newsletter or blog. Here are three ways anyone can create more interest and traffic.

Blogging - I know so many people that just won't get on board and do it. However an effective blog updated al least once a week is vital to keeping your site fresh and moving upward in the search engines. If you have not started one you need to. www.Blogger.com is a great beginner source.

Write an Article - getting published online with some of the more effective ezine sites will bring quite a bit of extra traffic to your site. Also making effective comments on other people articles helps tremendously.

Million Dollar Bills - Writing an effective ad offline is not too challenging but getting people to read it is another story. You can write a small article on a Million Dollar Bill and put them in books and other strategic places and people with love them. Most people will keep these just for the nostalgia and many will eventually visit your site or call your number.

Become a Speaker - Many would rather be lit on fire then speak in front of an audience however almost all the most successful people in history have been great public speakers and connectors, just look at our President Elect. Create a free workshop or seminar and get comfortable speaking in front of others.

If you would like to discuss other ideas please get in touch. Nothing compares to two people partnering for mutual success!
Until Next time Here is to your success! Jason Wheeler 925-285-2172 | Come to a FREE Event | Subscribe To My Blog

Leadership is Always the Key...

2008-11-06T21:50:00.000-08:00

Leadership is absolutely key in any endeavor you wish to be successful in. If you fail to lead in an endeavor you will never set yourself apart from the followers. I recently read a great book by John C Maxwell on leadership and it put into perspective the things I need to do in order to continue to succeed in business. The first and foremost factor in leadership is Commitment. Talk is cheap but actions speak much louder than words. Becoming a leader takes time and consistent action in order to be noticed. For instance in 2004 I helped to launch a chapter of BNI in Walnut Creek CA. This endeavor was a lot of work but absolutely paid off. I started as one person making phone calls and scheduling meetings and because of my efforts along with many other leaders within the group the chapter is not only self sustaining but exploding with growth right now. We have closed $53,000 worth of business for each other in just the last five weeks!
I am now looking to back away from leading this group and on to my next endeavor to build a successful network of Real Estate Investors that are all working together for common goals in success!
Management is doing things right; leadership is doing the right things. Peter F. Drucker
Until Next time Here is to your success!
Jason Wheeler 925-285-2172
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Managing Your Prospecting Time

2008-10-30T16:02:00.000-07:00
" You always miss 100% of the shots you do not take!" Michael Jordon
This is one of my favorite quotes not for basketball but for life, business and success. This concept points to the virtue of practice. Michael Jordon failed many times and was always toldl he couldn't achieve his dreams. Michael kept practicing and became possible one of the greatest athletes of all time.
How does this apply to your success in business? Do you want a million dollars? Do you have a million dollar habit? Many want it but do not put in the work. you must always be practicing in your craft eliminate time wasters.
One of the problems in business that relies on connecting with people is staying efficient in your time. If you are in a business where you depend on high volume calling to connect with clients and customers then you need to check out Instant Dialer. This software will make your time prospecting on the phone more productive 10 fold. I use it an swear by it.

Until Next time Here is to your success!

Jason Wheeler 925-285-2172

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Focus on the Journey...

2008-10-24T14:59:00.000-07:00
"...focus on the journey, not the destination. Joy is found not in finishing an activity but in doing it." Greg Anderson
I learned that this quote rings true with every aspect of life. When I was a fledgling Entrepreneur all I could think about is what I would do or have once I reached my goals. What I've found after much failure and learning is that success is a process not a destination. The value is not what you get but what you become on the journey. Who do you know that ever lied on their death bed wishing they had more stuff? Everyone I know looks back on life and thinks about how they did or did not contribute during their process of life and success. A definite purpose is the first thing you will need in order to contribute to the process of success. If you aim for nothing you will surely hit it so the old adage goes.
Of course when you reach a goal is feels great! However next time you reach a goal of even have a temporary setback look back at the process that got you there and find out what you learned that will help you in your next endeavor. As human beings most of us are NEVER fully satisfied. This rings true in not just business but in relationships, family, politics and just about anything that is worth pursuing.
Always remember that success is a process. This is why many who win the lottery end up in huge financial ruin. They were denied the process of success and do not know how to manage where they've arrived to.

Until Next time Here is to your success!

Jason Wheeler 925-285-2172

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The Great End Of Life is Not Knowledge But...

2008-10-21T13:07:00.001-07:00
"The great end of life is not knowledge but action."

I love this quote because it is something that really does ring to be true when it comes to Networking, Real Estate and any type of direct sales endeavors a person might embark on. You can have a wealth of knowledge and five degrees from great institutions but if you do not practice consistant action in your craft then you are not in busines and you will never experience the compounding effect of consistant action. In order to keep yourself going in this direction it is very important the have daily "Information, Motivation and Evaluation" everyday you must feed these elements into your business in order to be successful.

Information, you must stay plugged in to your craft at all times, keep up with what is new and stay connected. Motivation, listen to a CD or read a chapter in an great book like Think and Grow Rich! You must keep yourself positive and moving forward. Evalutation, ask yourself everyday what you did today in order to get closer or further from your business goals. Keep a record and eliminate activities that do not serve your purpose.

Until Next time Here is to your success!

Jason Wheeler 925-285-2172

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A Troubling Story

2008-09-28T14:26:00.001-07:00
With everything that is happening around us on a daily basis I talk to hundreds of people each week. It is no secret that almost everyone is worried and shaken by what is happening today in America. People are more worried today about their finances, their pensions and retirement than ever. Unfortunately there is no such thing as JOB security any longer! The other day I was speaking with a friend of mine that I had not seen for quite some time. He had just graduated early last summer and over the course of 4 years and $80,000 later he graduated from a reputable southern CA college and has had NO luck getting a job. It is amazing to me that this county with all of it's greatness does not prepare people to create real success. My friend soon realized that all that time and money was spent to prepare him to work in someone else's dream and not only could he not get a job but when he does he will be spending his time making someone else rich. I quickly showed him some of the techniques and systems that I have been using in my endeavors and he now wonders if his MBA was a waist of time...

FREE Seminar & Think and Grow Rich Ebook

FNMA/Fannie/Fannie Mae’s 1st Quarter Results Showed a Loss of $2.2 Billion

2008-05-07T11:33:00.000-07:00
In another blow to brokers, it was announced last week that Countrywide closed 16 wholesale loan centers. This, of course, re-ignited the discussion of what Bank of America will do with Countrywide’s three business channels: retail, wholesale, and correspondent. Generally speaking, retail is viewed as “the surest thing”, but there are definitely reasons for BofA to keep the other two channels in one form or another.

FNMA/Fannie/Fannie Mae’s 1st quarter results showed a loss of $2.2 billion, considerably worse than consensus estimates. Where did the loss come from? Many think that Fannie Mae only is involved in prime mortgages, but 43.0%, or $946 million, of the $2.2 billion in losses incurred during the first quarter involved Alt-A loans. They also said that the company's "Alt-A book will continue to drive an outsize portion of our overall credit losses." Fannie also reported $344.6 billion current Alt-A exposure and a limited strategy for stemming future losses.

Mortgage Rates & Applicationn | Jason's Consulting Services | Real Estate Investment Education

Down Payment Assistance Programs? Huh?

2008-03-03T09:53:00.001-08:00
Do Down Payment Assistance Programs exist? Loan agents will know more about this than I could ever put in a few sentences, but a true DAP is like Nehemiah where they “gift” the borrower all the down payment funds in return for charging the seller a fee. These work almost exclusively with FHA loans. However, DAP’s are often lumped in with “community 2nd” types of programs, whereby various cities and counties across the US offer a wide range of products that are virtually impossible to track from a corporate stand point, since they “run in and out of money” all year long. Here in California, for example, one of the most popular is the CHDAP which is a CHFA 3% “silent 2nd” that works out very well for the borrower. Or the ACCESS purchase money 2nd program, which is administered by the National Homeownership Fund. There are several sites on the web such as http://www.downpaymentsolutions.com.

www.JasonWheelersLoans.com & Real Estate Investing Education

Round Two for Bernanke!

2008-02-28T16:11:00.000-08:00
Do Fed chairmen always say, “"the FOMC...will act in a timely manner as needed to support growth and to provide adequate insurance against downside risks."? When wouldn’t this be the case? Federal Reserve Chairman Ben S. Bernanke signaled the U.S. central bank is prepared to lower interest rates again even amid signs of accelerating inflation. Bernanke's remarks may reinforce investors' expectations that the central bank will lower interest rates further to help a faltering economy. Durable Goods fell 5.3%, New Home Sales fell last month to the lowest level since 1995 in spite of price declines. The odds favor another 50 basis point cut in overnight rates at the March 18th FOMC meeting.

What is the market up to today? GDP came out – unrevised at +.6% for the 4th quarter. That, and the Jobless Claims number (Initial claims jumped by 19,000, to 373,000 from an upward-revised 354,000 reported last week), has sent the yield on the 10-yr down to the low 3.70’s again, and mortgage prices are better by .375-.750, depending on the coupon. Today is Round 2 for Bernanke as he testifies before the Senate on the last day of his semi-annual policy presentation to Congress, and we also have Freddie Mac’s fourth quarter results today

Did you hear the one about the young man who was asleep on Monday morning and his mother came in and woke him? "Son you need to get up and go to school". He responded "Mom all the kids hate me, the teachers don't like me and I am not going to school." The Mom said, "Son you must, you are the principal and they are counting on you!"

www.JasonWheelersLoans.com & Real Estate Investing Education

A Rising Tide Lifts all Ships

2008-02-26T10:47:00.000-08:00
"The reason why worry kills more people than work

is that more people worry than work."
“A rising tide lifts all boats.” So goes the old adage, which applies to many segments of the economy, including mortgage bankers. Generally speaking, companies saw applications and locks ramping up in January and early February. Now, unfortunately, locks appear to be down, while extensions and renegotiations are consuming locks desks around the country. Loan agents are getting a “triple whammy”: not only have rates shot up, and a good portion of borrowers still not able to meet guideline or equity requirements, but the long-awaited maximum loan limit changes seem to have disappointed many. Originators have watched OFHEO and HUD taking their time in determining how best to implement the bill signed earlier this month, and in the interim watched some large investors begin to adjust their pricing to accommodate the jumbo conforming loans.

www.JasonWheelersLoans.com & Real Estate Investing Education

Last Week Of February Mortgage Chatter

2008-02-25T11:38:00.001-08:00
The market seems to be comfortable, in the short-term, with rates where they are: the 10-yr around 3.80% and conforming conventional 30-yr ranging from 5.75-6.25, depending on if the borrower wants to pay or receive a rebate. (Mortgages are worse by about .125 this morning.) The only news out today – Existing Home Sales – is not expected to move rates, but there is quite a bit of news coming out later this week. Tomorrow we will see the Labor Department's Producer Price Index (PPI) for January. It measures inflationary pressures at the producer level of the economy, one of the reasons why rates are as high as they are: fears of inflation. It is expected to show an increase of 0.3% in the overall reading and a 0.2% rise in the core data. Also tomorrow morning is the release of February’s Consumer Confidence Index, expected to show a decline in confidence from 87.9 in January to 82.5 this month. Wednesday we’ll have Durable Goods, expected -4.0%, and then Thursday we have the first of two revisions to the 4th Quarter GDP. Old news? Perhaps. Analysts’ forecasts currently call for a 0.8% reading, indicating that the economy was a little stronger in the last quarter of the year than initially thought. Lastly, on Friday we have Personal Income & Consumption, and the University of Michigan’s Consumer Sentiment Survey. And besides all of that, we have two Treasury auctions for $38 billion to absorb this week, plus Bernanke's testimony on Wednesday.

www.JasonWheelersLoans.com & Real Estate Investing Education

Watch Your HELOCs!

2008-02-22T17:24:00.001-08:00
Beware if you depend on your HELOC! Many banks are freezing HELOCs across the board because of the declining market conditions. I would recommend fully drawing what equity that is available to you and put it to work. A great investment would be in Tax Lien Certificates. If you or anyone you know would want more information on Tax Lien Certificates let me know. They are a relatively safe place to put your equity and can yield up to 30%

www.JasonWheelersLoans.com & Real Estate Investing Education

Something Doesn't Quite Fit

2008-02-22T17:13:00.000-08:00
Something doesn’t quite fit. Can the economy really support higher rates when retailers like The Sharper Image and Lillian Vernon have declared bankruptcy? Or a city here in the San Francisco Bay Area (Vallejo) makes the headlines for being near bankruptcy? Thus the belief that although there will be blips up, the general trend in rates is lower – at least US Government-backed rates. As housing prices continue to decline, food and energy prices continue to rise, and as consumer confidence continues to wane, look for more retailers’ profits to decline after a mediocre Christmas season. The University of Michigan Consumer Sentiment Index fell to a 16-year low last week. And the ability of borrowers to qualify, use their HELOC’s, or borrow in general has declined, while at the same time investors are demanding more and more for their risk pushing long-term yields up. Calgon, take me away!

www.JasonWheelersLoans.com & Real Estate Investing Education

Can the Government Help Here?

2008-01-03T21:02:00.000-08:00
Criticized for not doing enough to stave off foreclosures, the White House seems prepped to put on a full-court press in dealing with the housing crisis.View the Entire Article Here
Should we expect our government to step in on the current foreclosure crisis? Or should we simply let the markets and capitalizing work the problem out on it's own? Many believe that the government should step in however I'm curious as to what they really CAN do! Personally if think the current administration is simply speaking for the sake of telling people what they would like to hear.
The fact is that our government has been unable to successfully manage any big task. What are your thoughts on the government stepping in? No matter what they do I say it will be interesting to watch the attempt.
www.JasonWheelersLoans.com & Real Estate Investing Education

Looking Forward & Self Development

2007-12-31T14:40:00.001-08:00
Wrapping up the year of 2007 I always like to look back and review and reflect on the year. It is also a great time for goal setting and planning for the next years business goals. I myself, am always practicing in self development not only to improve my business but to improve myself as a person! It is very important not to get too complacent in anything that we are doing. 2007 sure did teach most of us exactly this whom are experiencing our first market downturn for our career.
Looking forward and coming out of the holiday season it is time to refresh your business plan and get going for your bet year ever. If you are looking for a source to help you with this. I would like to recommend a free course that I got involved with last year and truly helped me achieve many of my goals although we were in a slowing market. If you put time aside in you day for self development than you should check out Simpleology! Here you will find some great sources and daily practices that will help you achieve all of your goals in life.
If you check it out I would love to hear what you think about it! Happy 2008!

Big Three Credit Companies Getting Too Much Power

2007-12-26T11:13:00.000-08:00

The scenario below is happening all to often in this industry. Something needs to be done in order to protect the consumer. The credit bureaus truly do have too much latitude in more ways than one
An agent wrote, “I pulled credit, over the weekend, with no phone numbers or data listed other than name, social & address, and my client has since received 3 phone calls from various lending institutions stating that he recently had his credit pulled and they can offer better rates. My client was furious…” Federal Trade Commission Chairman Deborah Platt Majoras says her agency has done a credible job regulating the Big Three credit bureaus. But there is criticism that the FTC has given Experian, Equifax and TransUnion too much latitude to profit from the sale of credit data to lenders and consumers, especially since federal agencies, that are supposed to be looking out for the consumer, are really protecting the companies that do bad things the agencies were set up to prevent. In February, the National Association of Mortgage Brokers criticized the FTC for giving the credit bureaus tacit approval to keep selling listings containing personal and financial data of prospective borrowers. Some unscrupulous lenders used trigger lists to contact people who recently filled out a loan application, and then pitched them alternative mortgages. Most applicants never knew the bureaus were placing them on trigger lists and were surprised to be deluged by phone calls and e-mails. In addition, privacy and consumer advocates are calling for the FTC to do more to bring order to the profusion of websites selling credit scores and credit services derived from credit data sold exclusively by the Big Three.
Jason Wheeler

Financial Formula for Disaster!

2007-11-09T13:22:00.001-08:00
Our FED Chairman Ben Bernake has proposed that Jumbo loans be guarenteed by the US government! You can read all about it HERE Financials are truly in trouble and the forecast is it will get much worse! At this point it seems the FED is being run by the stock markets and the media. I don't believe our country will be able to sustain these rate cuts very long, the dollar continues to weaken, we have a war to pay for and to top things off oil futures are looking at $120/Barrel and the countries top financial institutions continue to report record losses!. Now is a great time to invest in the oil markets. Now more than ever is the time to get off the fence if you are a buyer and lock in a rate for at least 7 to 10 years. Our current situation is a perfect formula for inflation and a recession and I would not be surprised to see rates of 9% or 10% five years from now.

$97/ Barrel of Oil?! It May be Time to Look Into Solar!

2007-11-06T08:39:00.000-08:00
With oil hitting record highs and rising up to $97/Barrel it is a good time for homeowners to start thinking of the long term benefits of a solar powered home. if your electric bill is over $250/month you should speak with Shannon Koffman of Next Energy Many consumers are worried about the up front costs of solar power however by using equity already built into your home you get a huge return over the next ten years. The federal government is also offering many different rebates and incentives. If you plan to be in your home for the next 5 to 10 years and you have questions about how Solar Energy can help you save money, please get in contact with me right away! You cannot afford to not at least look into it. Oil is expected to be over $100/Barrel by this weeks end!

November Real Estate News You Can Use!

2007-11-02T14:45:00.001-07:00
For this addition of "Real Estate News You Can Use" I discuss how it is very possible and likely to lower your property taxes this year. Check it out and let me know how I can help! If you feel your home has depreciated in value contact the Tax Assessor today and submit an application to reduce your property taxes. Let me know and I can help you evaluate if your home would be a good candidate for this!

Recession or Media Hype?

2007-10-31T22:07:00.000-07:00
All this talk of a recession seems to be media hype if you ask me. Our country came out with some GREAT numbers today in regards to the GDP (Gross Domestic Product) the overall health of our economy reported some very impressive numbers! The jobs report was also very positive. Most see oil sky rocketing and the dollar depreciating however if you ask me I will tell you the the growth in oil will not sustain it's self and we will soon see a pull back. If you are nervous about the state of our economy then check out Tips on Surviving a Recession If you play your cards right you can come out from this economic correction better than ever!

FED Cuts Rates Just as Expected

2007-10-31T13:11:00.000-07:00

Fed cuts rates just as expected

This rate cut is unlikely to effect longterm mortgage rates significantly. However it may stimulate buyers back into the market place where they will still have the negotiating power over sellers. The housing correction is expected to continue on for at least the next six months. If you are a buyer or working with buyers it is important for them to know that this market has been the best time to buy in years! Long Term Mortgage Rates are still very attractive and the payment on those HELOCs continues to decline!

FED Evaluates Another New Rate Cut

2007-10-30T23:19:00.000-07:00
Another rate cut is expected as the FED meets two days in a row to evaluate current rates. A cut of .25 basis point is expected with no further action until after the new year. Fed Officials Weigh a Rate Cut

Long term mortgage rates are not expected to be effected immediately. Most believe that current long term rates will remain steady with maybe a slight decline in the months to come, however nobody can tell for sure.

All Day Real Estate Investor Workshop For FREE!

2007-10-27T16:57:00.000-07:00
Come join us for a full day of FREE Real Estate Investing Education! If you’ve already been exposed to Nouveau Riche University and you know what we are about then here’s your chance to sample one full day of nuts and bolts education for FREE. If you have not checked us out yet but would like to get some FREE education on how you can invest in real estate and start creating a new stream of income then you need to get in touch with me NOW! Download Your Invitation NOW

Our Next Meeting

2007-10-15T11:53:00.001-07:00
Our investor network meets weekly in order to educate people on how you can be successful as a Real Estate Investor. If you would like to join us at one of our briefings please confirm your seat at 925-285-2172. You can view a list of Upcoming Events Here!

Investing in Real Estate Does Not Have to Take all Day

2007-10-10T10:46:00.000-07:00
You are not alone. With your career, family, religious and social activities, you have a busy life. Who has time to build a real estate portfolio? You know that you need to! You see your successful friends creating financial freedom through their real estate investment portfolios. But HOW do you get started, and WHAT great system is out there to help you? The answer is simple - the Investor Concierge™ , powered by The Real Market Experts Franchise, Inc.™ (RME) is a full service "Investor Solution" for busy people who want to take action TODAY!

The Investor Concierge provides, within its framework, a network of real estate acquisition specialists (i.e. RME franchisees) whose purpose is to locate the deals; assist in the securing of financing, and location of tenants and management companies. The Investor Concierge electronically tracks your investments through the website, from reservation to closing of the property.

All in all, the Investor Concierge is a powerful system that is designed to make your real estate activities more rewarding, productive, and less time consuming enabling you to focus on the other priorities in your life while still building your real estate portfolio and thus your financial freedom. What McDonald's® has done for the hamburger, the Investor Concierge and The Real Market Experts has done for the busy real estate investor who simply doesn't have the time to find and research properties, make offers, attend closings, renovate, advertise and take calls. By creating this simple system, we help prove to our investor customers that one of the most powerful keys to financial freedom and a lifetime of security can be found through building a portfolio of positive performing real estate investments.

Education is the Key to Continued Success!

2007-09-28T19:00:00.001-07:00
In July 2007 I was introduced to Nouveau Riche University and the company has complemented my efforts as a Consultant in the Mortgage Industry as well as give me the tools I need to work on my own Real Estate investment projects. If you or anyone you know has ever considered purchasing or investing in Real Estate I encourage you to give Nouveau Riche a serious look as it can change your perspective and your financial future.

So if you have ever thought of using Real Estate to create wealth. You need to take a serious look at NRU. Our company also holds briefings in your area to show how we can help you with your financial goals. If you would like to check for briefings near you please Click Here I would love to speak with you about your goals in Real Estate and help get you going in the right direction! Take some time to view our instant Webinar on how you can be a success in Real Estate! If you have any questions please don't hesitate to get in touch with me!

You are Invited to Our One Day Intensive Workshop

2007-09-10T16:53:00.000-07:00
We are proud to be able to invite you to our one day Intensive Real Estate workshop. Download your Invitation NOW Building on a tradition of providing unprecedented value for the ultimate educational experience, we rocket ahead of the so-called competition with The Intensive workshop. A complimentary benefit to you as my private guest, this real estate investing workshop is designed to provide additional support and hands-on education to our Students.

Getting Rich in Real Estate Takes a Well-Defined Plan

2007-08-12T18:35:00.000-07:00
Many people start out in real estate investing with great fervor, only to become discouraged after a few months when they don't attain instant fortune.

They discover they can't get rich quickly and easily, so they move on to the next scheme. These impatient investors often make one common mistake: They learn a few tricks and think success will follow instantly.

Another common mistake is seeing the instant success of someone else and believing you'll have the same results. In reality, this rarely, if ever, happens. These people may have had a good plan, but face failure because they didn't give the required effort necessary to achieve the goal.
It takes a lot of work to achieve long-term success in real estate, which is why so few accomplish it on a grand scale.

Start with lofty, but reasonable goals

Thinking big is great, but I cringe when I hear someone say, "I want to make a million dollars in real estate in my first year." Everyone loves a dreamer, but there's a fine line between dreams and delusions!

Someone who earns $50,000 a year and has no prior experience investing in real estate probably wouldn't make that kind of money by next Christmas.
What kinds of expectations are realistic for a beginner? The best approach is to set short-term, intermediate, and long-term goals. Be sure your goals are realistic, specific, and attainable.
For example, your goals may look like this:

Fifteen-year goal: Retire with $10,000 in passive income per month, inflation-adjusted. This may require between $3 million and $4 million in free-and-clear rental real estate.
Five-year goal: Acquire between $3 million and $4 million in real estate in steadily appreciating areas. Buy, fix, and flip five properties per year at an average profit of $20,000 to replace current income.
One-year goal: Wholesale two or three properties, buy, fix, and flip (retail) two properties and acquire three rental properties to keep long term.
Six-month goal: Buy one rental property and do two or three wholesale flips.
Be as specific as possible

. . and take time to do the math. For example, if your goal is to retire within fifteen years, how much income will you need to attain that goal? If you need $10,000 per month, will that require owning and collecting rent on five houses? Ten houses?

Will you be managing that property? If you pay a manager, how will that affect your bottom line? If you need $10,000 in today's money, what will that amount be worth adjusted for inflation? The more diligently you put the pen to paper (or the fingers to the keyboard), the better prepared you'll be.

To avoid setting yourself up for certain disappointment and possible financial disaster, you must forget the dream of becoming an overnight millionaire. Instead, focus on the slow-and-steady route, aiming to accumulate wealth one small step at a time, one deal at a time.
And, of course, seek help along the way from qualified experts who are active in the business. The more mistakes you can avoid on your path to riches, the faster you will reach your destination.
So if you or anyone you know would like to learn more about taking advantage of all of the investment opportunities in this market please, don’t hesitate to call. We will help you put a team in place.
Or You Can view Current Investment Opportunities Here

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Program Summary

What is an MCC?

How does the MCC reduce your taxes?

Table 1: Effect of a Mortgage Credit Certificate - Example

What are the purchase price and income limitations for MCC Participation?

Table 2: MCC Program Purchase Price and Income Limitations

How does a borrower obtain an MCC?

May an MCC be used with a re-financed loan or to assume an existing mortgage?

How many MCCs will be available under the program?

Potential for recapture of portion of the tax credit if home is sold within the first nine years after purchase.

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