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ISMA Doors Open…

By · October 16, 2009 · Filed in Uncategorized · No Comments »

socialmedia

It is exciting to know that with all of the talk about social media that there is now going to be an International Social Media Association to grow and learn from some of the top social media specialists. Here is the mission of the association:

Our mission is connecting, engaging and educating members on social media around the world to advance the knowledge, skills, and integrity of the social media profession.

As a real estate professional, this will be one of the main avenues that I will stay informed on the latest social media trends to provide you the best information possible to market your business.

I will be exposed to forums, webinars, events and there is even a social media certification program as well. Feel free to join the organization to learn social media strategies or continue to tune in here for the latest and greatest information as I learn and grow.

Be sure to tune in LIVE for the official launch of the International Social Media Association via Ustream from BlogWorld in Las Vegas. It is scheduled to take place today October 16, 2009 at 10:30 am PST. Here is the LIVE video stream. If you missed the live stream, you can still view the broadcast. See ya there!

naomi6
Naomi Trower
Real Estate Broker
Premier Equity Group, Inc.
Real Estate Social Media Marketing
“Teaching Professionals Social Media”

Commercial Property Loan Relief Programs

By · August 26, 2009 · Filed in Uncategorized · 2 Comments »

commercialrealestate

If you are looking for a way to lower your monthly payments for your commercial investment and prevent it from entering into foreclosure, you need a loan modification program that is not only reliable and guarantees success, but actually specializes in working with commercial real estate loans.

There are many loan modification companies out there, although most of them service residential loans. Others will try to service your commercial real estate loan but will not guarantee that they can help you.

Commercial Relief is a law based commercial loan modification company that has helped thousands of commercial property owners, like yourself, get lower payments on their loans. In some cases, we can lower your interest rate down to 4%!

Needless to say, this will save you quite a bit of money each month. For most people, this makes the difference between keeping their property or selling it for less than it is worth.

At Commercial Relief, we stand behind our promise to help commercial property owners. We have a 97% success rate when it comes to lowering loan payments for our customers. We also offer a 100% money back guarantee minus minimum processing fee of $2,250 or 1/8% whichever is greater if, for some reason, we are unable to help you.

As we are a law-based company that specializes in commercial loan modifications, we understand what it takes to get through to a lender and get them to help you. We succeed where others fail.

It is not only residential property that is at a standstill when it comes to property sales. Commercial property sales all over the United States have also declined. Many people are stuck holding onto commercial real estate investments, in some case owing millions of dollars and losing thousands a month.

By entering into a safe commercial loan modification program, a property owner can hold onto their property until such a time when the property again gains in value or is sold. This can prevent a foreclosure and possible judgment against the owner.

Trying to deal with the bank yourself is a waste of time. Most of the time, you will end up spending weeks talking to someone who has nothing to do with the decision making process when it comes to lowering your rate. Banks are very reluctant to lower rates for customers, especially in today’s market.

Many banks will even string you along until they can proceed with foreclosure. Trying to negotiate your own deal may not only waste your time, but can also end up costing you your property. Banks that offer an individual customer a lower rate are not offering you the best rate that they can give you.

At Commercial Relief, we are familiar with all of the commercial lenders in the industry. We have years of experience in dealing with commercial loan modifications and have helped thousands of people retain their property by lowering their monthly payments. At Commercial Relief, we are willing to go above and beyond for you, getting you the best rate possible for your situation.

Right now, Commercial Relief is offering a special discount to those who need help. The normal cost for a commercial loan modification is usually made up in the first few months. But because we believe in our service and want commercial property owners to hold onto their assets, we are offering a discounted rate.

This creates a substantial savings for the commercial property owner who uses our services. For example, if the property is worth $3 million dollars, a half point discount will save you $15,000! The return on investment from Commercial Relief is better than anything else you can get in this industry.

On top of that, we work fast to get you results. No waiting around for months to get an answer. We are usually able to help our clients get a lower interest rate on their property within two months. This is because of our vast experience with the system, legal knowledge and contacts at the lending banks.

The time to act is now. You do not have to lose your commercial real estate or end up giving it away for less than it is worth. To find out more about our services and what we can do to help you, be sure to visit our Commercial Relief page. We will send you more details on our guarantees and how we can stop you from losing your commercial property. Remember – we will lower your interest rate for you or your money back!

Kylon Trower
“Creating Financially Secure Properties”
Premier Equity Group, Inc.

Forensic Loan Audit Business Opportunity Webinar

By · July 8, 2009 · Filed in Uncategorized · No Comments »

The buzz is in the air about forensic loan audits. What is a forensic loan audit?

forensicloanaudit

Forensic Loan Audit Webinar

Wednesday July 8th, 2009

12:00 pm – 1:00 pm (PST)

***Register For Webinar***

Space is Limited so register NOW! Recently we have seen incredible interest and growth with 106 and 108 new registrants for the past 2 weeks.

We plan to have these webinars every week so stay tuned for more…

SAMPLE FORENSIC LOAN AUDIT

_________________________________________________________________________________
Forensic Loan Audit

This service is very specialized and imperative in identifying if a borrower is a victim of predatory lending. There is a review of all loan documents and a thorough investigation for miscalculations to determine if the loan terms are accurate, truthful, and met the requirements of the applicable federal statutes.

The #1 goal is to determine whether there were violations of federal law. If these violations are found, then the borrower may be eligible for complete relief of the predatory loan. This is know as a loan rescission.

This means the lender takes back the “predatory loan” and awards or credits back to the borrower all interest made on payments thus far, loan origination fees, all applicable lenders fees, penalties and attorney’s fees.

This can be done by means of a loan modification or a new affordable loan. This allows the borrower to get a new loan with a smaller principal, meaning that the mortgage can be affordable and non-predatory.

We have had many mortgage and real estate investing professionals join our team in helping homeowners with this program. The forensic loan audit webinar information is below:
__________________________________________________________________________________

Forensic Loan Audit Webinar

Wednesday July 8th, 2009

12:00 pm – 1:00 pm (PST)

***Register For Webinar***

Space is Limited so register NOW! Recently we have seen incredible interest and growth with 106 and 108 new registrants for the past 2 weeks.

We plan to have these webinars every week so stay tuned for more…

SAMPLE FORENSIC LOAN AUDIT

naomi
Naomi Trower
Real Estate Broker
“Creating Financially Secure Families”
@NaomiTrower

What is a Forensic Loan Audit?

By · July 7, 2009 · Filed in Uncategorized · 3 Comments »

A forensic loan audit is a service that is very specialized and imperative in identifying if a borrower is a victim of predatory lending. There is a review of all loan documents and a thorough investigation for miscalculations to determine if the loan terms are accurate, truthful, and met the requirements of the applicable federal statutes.

magnifying-glass

The #1 goal is to determine whether there were violations of federal law. If these violations are found, then the borrower may be eligible for complete relief of the predatory loan. This is known as a loan rescission.

This means the lender takes back the “predatory loan” and awards or credits back to the borrower all interest made on payments thus far, loan origination fees, all applicable lenders fees, penalties and attorney’s fees.

This can be done by means of a loan modification or a new affordable loan. This allows the borrower to get a new loan with a smaller principal, meaning that the mortgage can be affordable and non-predatory.

Kylon Trower
“Creating Financially Secure Families”

Forensic Loan Audit Webinar

By · June 23, 2009 · Filed in Uncategorized · No Comments »

The buzz is in the air about forensic loan audits. What is a forensic loan audit?

forensicloanaudit

Forensic Loan Audit Webinar

Wednesday June 24, 2009

12:00 pm – 1:00 pm (PST)

***Register For Webinar***

Space is Limited so register TODAY! (50 attendees as of 6/22/09 and 75 now!)

We plan to have these webinars every week so stay tuned for more…

_________________________________________________________________________________
Forensic Loan Audit

This service is very specialized and imperative in identifying if a borrower is a victim of predatory lending. There is a review of all loan documents and a thorough investigation for miscalculations to determine if the loan terms are accurate, truthful, and met the requirements of the applicable federal statutes.

The #1 goal is to determine whether there were violations of federal law. If these violations are found, then the borrower may be eligible for complete relief of the predatory loan. This is know as a loan rescission.

This means the lender takes back the “predatory loan” and awards or credits back to the borrower all interest made on payments thus far, loan origination fees, all applicable lenders fees, penalties and attorney’s fees.

This can be done by means of a loan modification or a new affordable loan. This allows the borrower to get a new loan with a smaller principal, meaning that the mortgage can be affordable and non-predatory.

We have had many mortgage and real estate investing professionals join our team in helping homeowners with this program. The forensic loan audit webinar information is below:
__________________________________________________________________________________

Forensic Loan Audit Webinar

Wednesday June 24, 2009

12:00 pm – 1:00 pm (PST)

***Register For Webinar***

Space is Limited so register TODAY! (50 attendees as of 6/22/09 and 75 now!)

We plan to have these webinars every week so stay tuned for more…

naomi
Naomi Trower
Real Estate Broker
“Creating Financially Secure Families”
@NaomiTrower

Foreclosure Filing Every 13 Seconds…

By · June 4, 2009 · Filed in Uncategorized · 2 Comments »

A foreclosure filing every 13 seconds is an astounding statistic! I just read an article in Real Estate News with these outrageous numbers. There have been 1 million new foreclosure filings across the country – all since January 2009. By the end of 2012, we are looking at a total of 9 million more foreclosure filings.

But the rest of us also pay a price, with every foreclosed home dragging down the value of the other homes in the neighborhood. Over the next three years, that means nearly $2 trillion in property values that will simply vanish, hitting tens of millions of homeowners in the wallet.

If you feel a need to help these millions of homeowners, we have partnered with Certified Financial Protection Group and are seeing incredible results for our clients. We have options for those that would like to join our loan modification team as well as for those that need a loan modification.

foreclosure_exit-250x128

Dave Hershman, a national loan officer trainer, is also partnered with Certified Financial Protection Group. We recently had Dan Pinto, another huge mortgage trainer, join our loan modification team. Our next goal is to meet with President Obama and share our plan. :) Here are some of their client testimonials:

Client Testimonials

It is possible to halt the foreclosure sale of your property, even on the date of the sale. Through agressive negotiations and the proper presentation of a Homeowners’ hardship and financial situation, a foreclosure sale can be stopped. Lenders are willing to come to a resolution for a Homeowner even at the “11th hour” as long as the circumstances and factors for a workout solution make sense.

It seems like lenders are anxious to take possesion of a property, but that is actually quite far from the truth. It is an incredibly costly burden for a lender to take possession of a property and add it to their inventory of REO (Real Estate Owned) properties.

Be sure to learn more about our loan modification team and program to help you in your time of need.
naomi
Naomi Trower
Real Estate Broker
“Creating Financially Secure Families”
@NaomiTrower

Start Your Loan Modification

Join Our Loan Mod Team

5 Passive Income Ideas

By · April 7, 2009 · Filed in Uncategorized · 5 Comments »

pass

I must be addicted to challenges! I just finished a 12 week fitness challenge and will be joining another one on May 1st. I plan to be in a fitness challenge for the rest of this year. I also joined a 31 day blog challenge to improve my blogs with problogger.com. I’m on day 2 of 31 and I love what I’m learning.

This post is my assignment for today’s blog challenge. This is a list of passive income ideas that will give you ideas to increase your income stream. It always best to choose an area that you have a passion for so your passive passion can be any of the following ideas below…

5 Passive Income Ideas

1. vending machines
2. affiliate products
3. monthly subscriptions
4. real estate investing
5. ebay business

For more detailed information on these passive income ideas, you can read my previous post on this subject. In today’s economy, there are many people that are looking for alternative ways to earn extra income. We have had the most success with 3 of the 5 passive income ideas listed here. They are ebay, affiliate products and real estate investing.

We started to investigate vending machines and was burned by one company that never delivered the machines to our designated sites. We always recommend to do your due diligence research and narrow down your search to three options and/or quotes before choosing your ideal passive income idea. Have fun earning passive income!

naomi
Naomi Trower
Real Estate Broker
Internet Entrepreneur
“Teaching Others To Earn Passive Income”

Freeze Your Mortgage Loan

By · April 1, 2009 · Filed in Uncategorized · 2 Comments »

foreclosure_exit-250x128

Is this really possible? Have you ever considered how the top elite real estate investors do not ever seem to be in foreclosure? Or that in certain high profile cities like Palos Verdes, CA and Beverly Hills, CA there are low foreclosure rates? Why is it mainly the middle class that are suffering the most? There are many options that are available but aren’t readily accessible to the common public. There are several options that are only available and are known in elite circles. Freezing your mortgage is one of these options.

Let us disclose a sample of the secret, the top elite have been freezing their mortgage payments for years and using that income to invest in real estate at great depression prices. We are currently in negotiations with attorneys which have been doing this process for the last 20 years.  They guarantee and legally FREEZE the payment of any mortgage residential or commercial for 3-10 years. We are thoroughly investigating this as a practice and the team of attorneys as a company. Here is what we’ve found so far:

We have found another company that is successfully using this team of attorneys and has closed 88 of 89 homes into a freeze state in the past 4 months. The reason the one home didn’t close was because the homeowner cancelled at the last minute due to doubt while his neighbor jumped for joy when their home was approved.

The 3, 5, 10 Year Mortgage Freeze Program enables clients to completely freeze their mortgage on their Residential or Commercial property due to 44 non-disclosures that lenders are not disclosing (very similar to the Fair Credit Reporting Act). With the right legal documents and assistance your mortgage can be frozen and it is 100% legal. All you have to pay is your monthly homeowners insurance (in case of any natural disaster like flood, fire, etc..) and your annual property tax as that is the governments money and has nothing to due with your lender.

At the end of your term you will have (3) options,

1st option is to go right back into your old loan with nothing added.
2nd option is to sell the property at the end of the freeze term
3rd option is to pay off the property at a negotiated price (if you have the ability to not pay a mortgage for 3-10 years you should be able to stash your cash!).

Just imagine the possibilities this could provide for the budding real estate investor! We have a friend that recently bought beach property here in California for $347,000 in this down market. She put this new property through the Freeze Your Mortgage program and now has a freeze on her mortgage for 10 years! She can have positive rental cash flow until the market adjusts and cash in at a later date.

This is also an incredible opportunity for those that are near foreclosure as well. This will allow them time to rebuild financially due to a layoff, job market decline or whatever the case may be. We will be back to report our findings here at Passive Cash Mentors as we don’t believe or promote anything that is illegal or causes harm to our clients.

By the way, this is NOT an April Fool’s Joke!
kylon California Foreclosure Prevention   8 Simple Steps To Saving Your Home

Kylon Trower
661-298-2104
CEO Premier Equity Group, Inc.

How Do I Create Passive Income?

By · March 26, 2009 · Filed in Uncategorized · 7 Comments »

In today’s economy, passive income is a highly sought after concept. Is it still really possible to earn passive income in this economy? Kylon and I have been fans of Robert Kiyosaki for years and have implemented several of his passive income ideas. We do NOT suggest going after every opportunity at the same time. We initiated different passive income ideas after we established one for several years before we moved on to another one.

What is passive income? Here is the definition from Wikepedia:

Passive income is a rent received on a regular basis, with little effort required to maintain it.

Some examples of passive income are:

  • Repeated regular income, earned by a sales person, generated from the payment of a product or service that must be renewed on a regular basis, in order to continue receiving its benefits – also called residual income.
  • Rental from property;
  • Royalties from publishing a book or from licensing a patent or other form of intellectual property;
  • Earnings from internet advertisement on your websites;
  • Earnings from a business that does not require direct involvement from the owner or merchant;
  • Dividend and interest income from owning securities, such as stocks and bonds, are usually referred to as portfolio income, which can be considered a form of passive income;
  • Pensions.

One of the key elements of an effective passive income generator is one that provides a monthly recurrence. A fee that you receive on a monthly basis is far more reliable than a fee that may be more randomly received.

Here are some more examples of passive income ideas:

vending machines
affiliate products
monthly subscriptions
real estate investing
ebay business

You will need to find what will interest you but as stated previously, it is important to find something that will generate monthly cash flow for you. Here are some examples from our lives.

1. Real Estate – we have 2 rental properties in which we receive monthly rents. We also have a monthly fee for all of our real estate agents and loan officers to hang their license under my broker’s license.

2. Ebay Business – Kylon had an ebay business where he sold designer clothes that he found at thrift stores and sold them for high profits. He made between $7,000 to $10,000 / month in years 2000 – 2002.  He was on his way to find one product and automate his systems to list it on ebay (true passive income model) but then he turned to the mortgage and real estate business and never turned back.

3. Affiliate products – the products that offer a monthly fee are the best in that you will be paid a monthly fee as long as the customer still uses the service. Marketing Burst, a site for creating landing pages is a great example of this. There are tons of affiliate products that you can promote so find what interests you and promote, promote, promote!

4. Monthly SubscriptionsChatToText would be an example of a chat service on social profiles that charges a $6 monthly fee  and you can have residual income for spreading the word. The downside to this is that more people are leary to give their credit card info on a monthly basis.

Steps to Start Your Passive Income Generator

1. Find your passive income generator
2. Research your passive income generator
3. Strategize how you plan to market
4. Develop a business plan of action
5. Make a daily plan of free promotion strategies such as

  • posting on forums
  • press releases
  • social media sites

Start budgeting for paid promotion strategies such as

  • PPC (Pay Per Click Ad Campaigns)
  • Internet Marketing Ebooks and Videos
  • Radio Promotion
  • Social Media PPC

I hope this information is helpful to you. I also have 2 ebooks that you can review for more detailed information:

A Guide to Passive Income

The Cycle of Wealth

Enjoy and come back and let us know what you decide to pursue!

naomigray2
Naomi Trower AKA
Passive Cash Gal
Real Estate Broker
Internet Entrepreneur

Foreclosure Prevention for Military Families

By · March 20, 2009 · Filed in Uncategorized · No Comments »

 military

Most people aren’t aware of the fact that the mortgage lender will be unable to foreclose on your home, if one of the people holding the mortgage is on active service in the military. That’s right! No matter how far behind you are on your mortgage payments, no lender is legally permitted to foreclose or make a seizure on the property of an active military service person until a period of 90 days after they have returned to civilian life. This position is guaranteed by national mandates which have been instituted by Congress.

In addition to this foreclosure moratorium, those who obtain a mortgage prior to enlistment or the call to active duty may also qualify for a reduction in their interest rates that can help to lower their mortgage payments while they are away.

People who are in the military often find it hard to make their mortgage payments as long as they are still receiving the government salary for active duty personnel. That’s what the Service member’s Civil Relief Act (SCRA) was designed to help. It allows active duty personnel the opportunity to have their monthly payments reduced by as much as 6%. Depending on the current interest rate level this may turn out to have a huge impact on their monthly payments. The sum of money which is saved from such a reduction does not need to be repaid.

In order to qualify for such a reduction, your lender should be notified as soon as you have gotten your orders.

You’ll need to have the following in order to apply:

A Copy of your military orders
Duty notice
FHA case number
Evidence that your mortgage debt was procured before your enlistment/active duty status
Your activation date
Also along with the interest rate reduction, certain military homes may also be eligible for a reduction in their monthly payments and/ or a complete stay in payments for a certain period of time. Such conditions are not governed by law but are usually considered in cases where military personal face severe financial hardship while serving their country overseas.

The most essential thing is that you should inform your lender as soon as it becomes clear that you will not be able to make the regular monthly payments and inform them of the necessary reasons why. It may take some bargaining but in the end most will agree to reduce the payment terms when the military person in your family is on active duty. It makes sense; the law doesn’t allow the lender to foreclose until the military person returns home, so why can some form of payment be negotiated?

Either way, there is no need for anyone on active military service to bother about losing their home when they are away. The law is the law; it is illegal to repossess the home of active duty military personnel until a period of 30-60 days after they have resumed normal civilian life, regardless of how far back they are on their payments. It doesn’t give a lot of time to make the necessary arrangements on your return home but it is a safety net for those you leave behind.

kylon California Foreclosure Prevention   8 Simple Steps To Saving Your Home

Kylon Trower
CEO Premier Equity Group, Inc.