“How You Can Profit from the Foreclosure Crisis by Buying a Home for Pennies on the Dollar”

You'll Learn How to Find a Great Foreclosed Home, Buy It Below Market Value and Avoid All of the Costly Pitfalls Most Buyers Face…

Dear Bargain Hunter,

The current foreclosure crisis has opened up an amazing opportunity for home buyers to find their dream home at an unbelievable price. It also presents an amazing opportunity for investors to lock in massive profits buying great properties at discounted prices.

If you’re thinking of buying or investing in a home in the near future, then this might be the most important letter you’ll ever read.

Here's why:

You will learn how to find the best foreclosed homes on the market. Some of these homes are available for pennies on the dollar! You’ll also learn how to side-step costly repairs and expensive bank closing fees.

Now, I know you're probably skeptical. That's normal and healthy. Let me give you three good reasons to back up what I claim:

Three Reasons To Believe What I Say

Reason One: As a Real Estate Agent/Broker Associate in Central Florida for 25+ years, I specialize in helping buyers and investors find, evaluate and acquire foreclosed homes. I have worked with foreclosures for
20 years and am a Certified Distressed Property Expert®. My wife and I are also investors.

Reason Two: My new book, “Foreclosure Home Buying Secrets,” has helped home buyers and investors learn the entire foreclosure process from A to Z. In the book, I detail the foreclosure process timeline, how to find the best properties and avoid hidden costs.

Reason Three: I’m constantly studying our market, walking through new foreclosed homes and assessing the critical housing statistics to pinpoint the best foreclosed homes on the market.

 Why You Should Pay Attention to the Foreclosure Opportunity

As you probably already know, a record number of homes across the country went into foreclosure in 2008, and that number is only expected to grow in the near future. All these foreclosures are making the real estate market one big “clearance sale” for homes, as distressed homeowners and banks try desperately to unload properties.

Just to give you some perspective: In the United States in 2006, the percentage of houses in some stage of foreclosure was as low as .58%. Just one year later (2007) more than 1% of all homes were in some stage of foreclosure. And some states (such as Florida) had foreclosure rates of 2% or more.

The trend continued through 2008 and early 2009, as foreclosures continued to rise. The statistics show that the number of foreclosures in 2008 jumped 112%, reaching a nationwide average of 1.8%. Foreclosure rates continue to reach record levels in 2009 according to RealtyTrac. Total foreclosure activity in Florida in April, 2009 was up 75 percent from April 2008 and 37 percent over the previous month.

In fact, some experts predict that one-quarter to one-third of all homes on the market in early 2009 will be bank-owned (foreclosed) property. And what does this mean to you? It means there will be plenty of opportunities.

In the past, I have typically advised my clients against buying a foreclosure. This is because in the past, home foreclosures were not very common, and the majority of foreclosed homes were in really bad shape.

This meant that investors had to spend weeks or even months to even find one, then they would be in a bidding war to buy it; and finally, they had to have a ton of cash to rehab them.

This has all changed now because of the foreclosure crisis. There is a large supply of these homes, which has many benefits:

Homes are easy to find.

Banks are taking lower offers

Bidding wars are no longer common (...but they are on the rise with REOs)

Some brand new homes are foreclosed upon and are in great condition! Others (15-30%) are ‘move-in ready’ or need very little work.

Opportunity to lock in massive profits at the bottom of the market.

But I don’t have to tell you that there are great deals out there - you’ve already heard about homes that are selling for a fraction of what they are worth. Some homes can be purchased for 20%, 30%, some even 40% and more under their market value.

Pictured at the right is a home in a nice neighborhood that was purchased for just $33,000. The monthly mortgage payment on this house is only $703 per month, for a six-year mortgage. The buyer will have this nice home completely paid off, free and clear, in just six short years!

At the left is an 1820sf home in the W. Volusia, FL. area purchased for $65,000. The market value is $127,000. That means that the foreclosure buyer bought this home for 51 cents on the dollar and $36 per sf.

Although these deals sound fantastic and you may want to run out and grab a deal right now, you should stop and consider the following …

All Foreclosures Are NOT Great Deals!

Too many home buyers incorrectly believe that every foreclosure is a good deal. Nothing could be further from the truth. You could get yourself into a big mess if you don’t know what to look for. Imagine buying a home that you believe is under value only to find out that it needs $15,000 to $20,000 of structural repairs.
 
I decided to specialize in foreclosure properties to help buyers avoid some of the costly mistakes others have made when buying foreclosed homes.

Here are a few of the things I’ll do for you, if you’re accepted as one of my clients…

You’ll receive a special “Foreclosure Weekly Hotlist” which will summarize the best foreclosed homes in the market.

This weekly hotlist will save you a significant amount of time because it will pin point the foreclosed homes we recommend for our clients. I am constantly studying the market and evaluating homes listed compared to their values. I summarize the best deals in this special “Foreclosure Weekly Hotlist.”

I will walk through each new foreclosure listing that hits the market on your behalf to see if it fits your home-buying criteria.

This will save you a significant amount of time. Who wants to spend any of their precious time off looking at homes that have had all their copper removed? You won’t have to because I’ll do this for you while you’re at work or spending time with your family. (Of course, if you like that, you'll get a pre-screened list to look at on your own...some of my investor clients love to do just that and then we return together to inspect them closely.)

You’ll learn how the foreclosure process works, including the complete foreclosure timeline.

Understanding this process will make you an informed buyer. Many people don’t understand how long a foreclosure takes and when a foreclosed home actually hits the market for sale. Others make the mistake of bidding on a foreclosed home at the wrong time.

You’ll know the secrets of how to time your offer for the biggest price savings and the best chance of it being accepted.

Once a home is foreclosed, many banks time their price reductions within a specific number of days on the market. By knowing these secrets, you’ll be able to time your offer so that the bank receives it when they become motivated to sell. This will help you buy the home you love.

You’ll learn how to avoid hidden closing fees when buying a foreclosed home.

In most foreclosed home sales, the bank selling the property adds specific clauses to the sale that could cost you a significant amount of money. You’ll learn how to side-step these clauses and save a substantial amount of money throughout the closing process.

In addition to the foreclosure hotlist, you’ll receive weekly updates of homes available for sale with motivated sellers. We will program our system to search for motivated sellers who have homes meeting your criteria.

Today, many home sellers are extremely motivated to sell and are sometimes willing to sell their homes to you below market value. This simply means that you could save a significant amount of money on your home purchase!

You’ll receive a specific search of estate sale properties. These homes often represent great opportunities that many buyers overlook.

You’ll have a larger selection of homes to consider. You might also be able to avoid competing with other buyers who overlook these homes.

I will also update you weekly on HUD Foreclosures, Vacant Homes and Fixer-Upper Specials.

In other words, if the home might be available at a discount, you’ll be notified of this property. The goal is to give you access to the best properties on the market.

You’ll have access to my recommended list of professional home inspectors.

Believe it or not, anyone can print up a business card calling themselves a “home inspector.” When buying a foreclosed home, it is extremely important to hire a competent home inspector. This is because some of these homes have problems not obvious to the untrained eye. One good home inspector can save you from buying a home with costly repairs. As a client, you’ll have access to our list of the top home inspectors in the area.

You’ll even receive our list of trusted home contractors to help you with any of the updating needed.

If you have tried to hire a contractor recently for painting, repairs or new carpeting, you probably had quite an experience. Many contractors cannot be counted on these days. They don’t show up on time. They change their price in the middle of the job or they simply overcharge you right from the beginning. As a client, you’ll receive my list of recommended contractors including home painters, carpeting specialists, plumbers, electricians and roofing experts. This will help you save time and money with any repairs needed.

You will also be given suggested home insurance providers and reliable home warranty companies who will cover foreclosed homes for owner occupied AND investors. 

Foreclosed homes, especially fixer-uppers and investment properties sometimes present a challenge for everyday insurance carriers. It is imperative to have a provider who understands these challenges, Florida law and your needs. In addition, not all home warranty companies are all they promise once you purchase and call to file a claim.

If you’re an investor, we will show you how to profit from these foreclosed homes!

Many investors want to acquire a foreclosure, but aren’t sure how to handle this purchase and profit from the opportunity. You’ll receive a special report which will show you how to turn a foreclosed home into a lifetime of income.

And BEST OF ALL, you’ll have a professional who will walk you through the entire process, step-by-step. I will work with you hand-in-hand, from the time you first tour a house until you get the keys at closing. It’s important to work with someone who has been through the process before, and you’ll have peace of mind knowing it will be a hassle-free experience for you.

Now, you're probably wondering how and why I can do all those things for you.

Let me explain.

Because I have specialized in foreclosed properties, I am able to help you find the best homes on the market, which can be purchased under value. I also can help you time your offers to maximize your saving and help you side-step costly closing and inspection repairs. I also have built a list of trusted contractors that can help you with any repairs from carpeting to concrete.

I will help you understand the entire foreclosure process from beginning to end so that you can make an informed home-buying decision.

Warning: Do NOT use any Real Estate Professional
unless THEY meet the following 4 criteria

There is a lot of confusion surrounding our field. I want to give you 4 criteria or elements you absolutely, positively must look for when hiring a Realtor to help you with your real estate investing:

1: Your Real Estate Professional must specialize in foreclosures! Do Not Hire a real estate agent who doesn’t have experience with foreclosures. There are good agents out there who have little to no experience with foreclosure sales. Quite frankly, hiring an agent could hurt you more than help you if it’s the wrong agent. You wouldn’t let even the world’s best foot surgeon operate on your brain, would you?

2: Your Real Estate Professional must be able to identify the best foreclosed homes on the market. Many real estate agents don’t know how to systematically find bargain homes. If you were to call up an agent today and ask them, “What homes can I buy that are under value?” they wouldn’t be able to respond! In my office, I have created an automatic system by which you receive an email notice of all homes that can be purchased below their market value.

3: Your Real Estate Professional must be able to help you find the best financing programs available for foreclosed homes. Obtaining a loan to buy a foreclosed home is tricky. Some loans allow you to borrow your repair costs. Others don’t. Some offer better interest rates. Your real estate agent must be able to help you identify the best financing for your specific property.

4: Your Real Estate Professional must be able to save you time and money! Working with the average real estate agent, you may need to walk through 30 to 40 foreclosed home to find the one that best meets your needs. With our approach, we will save you a tremendous amount of time by previewing these homes on your behalf. What is your time worth per hour?

While there are a lot of Real Estate Agents that say they are foreclosure experts, there are also question marks in my mind. How much do these agents really know about the foreclosure process?

I'll tell you right upfront: Not everyone qualifies to be a client of mine. When you send in your completed Client Application, I will determine whether our not this is appropriate for you. It is important to answer the questions on the client application honestly and accurately, so that neither your time nor mine is wasted.
If your Client Application is accepted, an initial consultation will be scheduled with you in our office. It is very important to keep your appointment for this consultation, as far more people request them than can be accommodated.

I don’t just accept anyone to be a client. Since my “Foreclosure Home Buying Secrets” book was released, I simply do not have enough time to work with every person who calls into my office. However, based upon my workload, I do agree to accept a select few new clients from time to time. To be considered for one of these spots, complete and send us your Client Application. You can submit this application at the link below:

Click Here for Online Application

In summary, here's what you get when
I accept your Client Application:

You get the full services of my team, which includes:

A one-on-one consultation to assess your home-buying criteria and goals and the steps we will take together to accomplish them

An expert guide who knows the local market works with you step-by-step through the foreclosed home buying process, simplifying the experience for you.

Access to and client discounts with lenders who have a relationship with us and are familiar with financing foreclosure deals. Keep in mind that the lender you work with is very important when buying foreclosures

For the properties that match your criteria, we will walk through them together and analyze their condition and cost

Assistance with the legal contracts and addendums and I will negotiate your purchase for the lowest price and best terms

I will manage the entire closing process with all involved parties (lenders, title companies, appraisers and escrow agents)

You’ll have access to the top home inspectors in the area, so that you can avoid properties with potential problems

You’ll also receive access to my pre-screened list of trusted and dependable contractors, who give our clients preferred customer discounts

We will give you our recommendations for home insurance and a home warranty

Investors, you’ll also receive our suggestions for licensed and effective property managers

FREE access to any client-only Foreclosure Special Events we host - including foreclosure tours, educational classes, open houses, etc.

Client-only access to our Good Buy-Bad Buy property analyses. You'll not only know about these current deals, but learn how to better evaluate them for your situation

If your Client Application is accepted, you will be entitled to use my services in finding, analyzing, purchasing and financing foreclosure properties for FREE. You are under no obligation to buy any properties. However, to have me help you find, analyze, negotiate a foreclosure property, you must be an accepted client.

During Your Initial Consultation, You Will Receive the Special New Client Value Items - For FREE…

If your client application is accepted, you’ll receive:

NEW CLIENT SPECIAL BONUS #1:

An amazing system for finding "Bargain Homes that you can purchase Below Value.” This system can be set up for FREE so that you can receive email updates of bank foreclosures, HUD foreclosures, homes that have motivated sellers, estate properties, vacant homes, handy man specials and more. The best part of this system is that other buyers are not considering many of the homes identified. No other buyer means that you have no competition in getting these deals! Just one home found with this system could put thousands of dollars in your pocket!

NEW CLIENT SPECIAL BONUS #2:

A copy of my book, “Foreclosure Home Buying Secrets.” This brand new book reveals tips, strategies, and secrets … some of which the banks don’t want you to know. Learn the foreclosure process, what to look for in homes, how to avoid hidden costs and how to minimize the risk, all in 100 educational pages.

NEW CLIENT SPECIAL BONUS #3:

A Free report titled “The Way to Wealth” by Benjamin Franklin. Solid advice to live - and live well - by one of the brightest minds in American History! Learn how to build your wealth with Franklin’s proven, time-tested methods. This is a must-read report!

NEW CLIENT SPECIAL BONUS #4:

A special report, “The Checkbook IRA” - Answers to investor questions, the trillion dollar secret plus how to use a checkbook with your retirement account to buy real estate. Recover the losses you took in 2008 by learning how to set up an easy way to use your retirement account to invest in real estate - put those "out-of-the-stock-market" dollars back to work for you.

NEW CLIENT SPECIAL BONUS #5:

An audio of an interview with an REO agent who has listed and sold over 1,000 bank owned homes. You’ll be able to uncover some insider secrets from what is shared in this transcript!

Here's how to get started right now!

To be considered for one of my foreclosure client openings, complete and send the Application Form to my office. You can click below to fill out the application online.

Click Here for Online Application

You can also print a copy and fax it to (407) 403-5940 or send via mail to:

Richard H. Zwick
Total Realty Corp.
2683 S. Woodland Blvd.
DeLand, FL. 32720

Click here for printable version for fax or mail

To your success,

Richard H. Zwick

P.S. The number of new client applications we can accept in any given month is severely limited. And at certain times, we cannot accept any new clients, as the majority of our time is dedicated to assisting existing clients. Also, people referred to us by our existing clients take some of the new openings we have each month.

With this in mind, I can only encourage you to complete the application immediately. Right now, we have sent you this foreclosure report at a time when we have openings for new clients. However, should you delay, when you do respond there may be a waiting list and you may have to wait weeks or months for an opening.

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