Douglas:
Thanks for your interest in my services, products and content. Below are my web sites and the pre-public record count for Frederick County.
30 day late 390
60 day late 140
90 day late 84
120 day late 265
Total: 879
Most likely I will also have same day recording NOD list for your are sometime this winter.
Look at my web sites www.BestShortSales.com www.RapidForeclosureData.com www.ShortSalesProcessing.com www.OscarPDX.com
I look forward to doing business with you.
Oscar Morante
www.bestshortsales.com
oscar@bestshortsales.com
Ph: 971-222-3734
Fx: 503-296-5663
9220 SW Barbur Blvd.
Suite 119 - #159
Portland, Or 97219
A well priced properly sells efficiently. However, price is not the only factor affecting the sale of real estate. There are five main other factors. These additional factors need to be well considered. Any imbalance in them will ultimately reflect in the price.
Below, in the right order, are six main factors that influence the salability of a property. Balancing these factors for selling as quickly as possible, for as much as possible, is an art.
Price: Price any property low enough and someone will buy it. Generally speaking, the lower the price, the quicker the sale. However, the lower the price, the lower profit the property will yield.
Marketing: The property needs to have plenty of proper exposure. Even in the best of markets, and with a great price, a poorly marketed property will be hard to sell. After wasting time, the main way to make up for bad marketing is to lower the price.
Condition: The condition of the property must be at least up to neighborhood expectations. Typically, the only way to make up for poor condition is price.
Time: To sell quick enough, price low enough. A hurried seller is in disadvantage. If a property stays too long in the market, eventually it will have to come down in price.
Market Conditions. In a sellers' market it is very easy to sell. As they say, "even a dead fish can swim with the current". In a buyers market it is a lot tougher to sell because, as they say, it is "a beauty contest and a price war".
Financing: The better the financing, the easier to sell. The reason is simple: it is more about how much are the monthly mortgage payments than about the price of the property. Typically the only way to make up for bad financing is with good price.
Price a property to sell. The art of this is to balance the six factors influencing the sale. Contact me at 971-222-3435. I will help you efficiently sell your property.
www.bestshortsales.com www.oscarpdx.com www.rapidforeclosuredata.com www.shortsaleprocessing.com
A well priced properly sells efficiently. However, price is not the only factor affecting the sale of real estate. There are five main other factors. These additional factors need to be well considered. Any imbalance in them will ultimately reflect in the price.
Below, in the right order, are six main factors that influence the salability of a property. Balancing these factors for selling as quickly as possible, for as much as possible, is an art.
Price: Price any property low enough and someone will buy it. Generally speaking, the lower the price, the quicker the sale. However, the lower the price, the lower profit the property will yield.
Marketing: The property needs to have plenty of proper exposure. Even in the best of markets, and with a great price, a poorly marketed property will be hard to sell. After wasting time, the main way to make up for bad marketing is to lower the price.
Condition: The condition of the property must be at least up to neighborhood expectations. Typically, the only way to make up for poor condition is price.
Time: To sell quick enough, price low enough. A hurried seller is in disadvantage. If a property stays too long in the market, eventually it will have to come down in price.
Market Conditions. In a sellers' market it is very easy to sell. As they say, "even a dead fish can swim with the current". In a buyers market it is a lot tougher to sell because, as they say, it is "a beauty contest and a price war".
Financing: The better the financing, the easier to sell. The reason is simple: it is more about how much are the monthly mortgage payments than about the price of the property. Typically the only way to make up for bad financing is with good price.
Price a property to sell. The art of this is to balance the six factors influencing the sale. Contact me at 971-222-3435. I will help you efficiently sell your property.
A - Most recent mortgage statements
B - Client Hardship Documentation:
•1. Client hardship letter
•2. Applicable hardship documentation such as medical bills, divorce decree, death certificate, unemployment, documentation with date of termination, etc.
•3. Change of employment or decrease of income information (if applicable)
•4. Other hardship information as may be applicable
C - Client Financial Documentation:
•1. Completed financial statements
•2. Client monthly budget worksheets
•3. Employed individuals
•a. Copies of two months payroll receipts or stubs (if applicable)
•b. Copies of two months of the most recent bank statements for all accounts
•4. Self-employed individuals
•a. Profit and loss statement
•b. Bank statements for business accounts for the last three months
•5. Verification of any other sources of income (rental agreements, room rental agreements, support orders, award letters, etc (if applicable)
•6. Documentation or statement of client not qualifying for refinance as alternative to loan modification (may be brief letter)
•7. For rental (non-owner occupied) properties, include rental profit and loss statement (net operating income calculation)
•8. Last two years tax returns, federal only, signed and dated
•9. Last two (2) years W-2 (should be within or accompany tax returns)
D - Mortgage Loan Related Documentation:
•1. Documentation of loan adjustment, recast, or resetting notification, etc.
•2. All legal notices received from current lenders (if any)
•3. All lender correspondence including but not limited to copies of correspondence received, address, phone numbers and name(s) of any individual with whom client has had discussions concerning loans, with brief descriptions
•4. Copy of most recent set of loan documentation.
E - Additional Documents
•· Keep all your loan documents and financial information organized and handy.
•· Often additional documents and or latest statements are needed in short notice.
www.bestshortsales.com www.rapidforeclosuredata.com www.oscarpdx.com www.shortsaleprocessing.com
Buying a property is a combination of art and science. Negotiation skills plus market knowledge equal well informed purchasing decision.
The best way to obtain a good deal is to arrive to a win-win situation. Win-win transaction always close smoothly. The reason is simple: When people want something, things happen. Because of this, regardless of the type of purchase, all parties involved must benefit.
The most critical factor for properly buying a property is knowledge. A buyer that understands well what he is buying will always make a good decision. That is why I believe so much in education. Attend my FREE webinars and select me as your agent to represent you. I will guide you through the process of correctly acquiring your next property.
Getting A Good Deal
"A good deal is a good deal". Regardless of the type of property being purchased, when looking for a good deal, what matters is to get a good deal. Good deals come in all kinds of incarnations: Cash purchases, short sales, REO (foreclosures), foreclosure sales, builder special offers, quick sales, etc. Focus on getting the most bang for the buck.
A lot of the better deals are in the distressed property category. My recommendation is not to look the mode of acquiring a property, but at the bottom line in combination with the quality of the property.
Purchasing on Short Sales
Short sales are certainly a good way to get a good deal, but there is definitely way to go about it. The key to this is to, respectfully, make the right offers and have the right expectations. I will help you get a good deal by using the right strategy.
Purchasing REO (Foreclosures)
REO means "Real Estate Owned". REOs are bank owned properties. These properties are often referred to as "repos" and "foreclosures". Two of the keys to this type of purchase are to be selective and look well at the paper work. I have access to a large list of REO.
Quick Buys
These are properties sold at great discount by property owners in exchange for a really quick close. The key to this is to have cash or get rapid financing. I have the right connections for to assist get this money quick.
Builder Closeouts
Builders give better deals when they need to liquidate inventory. One of the main benefits of buying from a builder is a warranty together with an un-used property. I will get you a good brand now property deal.
www.bestshortsales.com www.rapidforeclosuredata.com www.shortsaleprocessing.com www.oscarpdx.com
www.BestShortSales.com 9220 SW Barbur Blvd Suite 119 - Box 159 Portland, Or 97219
Credentials:
Oscar is among many real estate professionals who are closely tracking the looming indebtedness of American property owners. Oscar, however, sees things a little differently that most. After studying the process of how people go into debt and end up losing their homes through foreclosure (only to be left with mountains of debt), Oscar started a crusade to help distressed property owners save their credit and dignity. He does this by negotiating reduced settlement payoffs with the lenders. "It happens a lot," says Oscar. "Good, hard-working people just run into trouble for a lot of reasons".
Relaxed banking regulations, ambitious lending practices, uninsured property damage, personal life changes or a myriad of other causes can contribute to a property owner becoming over-mortgaged. In other words, property owners end up owing more than their property is worth and can't keep up with payments.
After seeing a sharp decline in architectural work in the Portland, Oregon area after 2001, Oscar was compelled to make a drastic career change. With little money of his own, Oscar began relentlessly researching every aspect of the local real estate market attending seminars, reading books and talking to everyone he knew that had anything to do with real estate. He found that his most lucrative opportunities lay in the complex situations that arose when over-mortgaged properties were headed into foreclosure. Oscar has been actively involved in real estate acquisition through short sale negotiations with lenders since 2003.
Oscar is well aware of the vulnerability of people in financial trouble and detests those who make a business out of deceptive tactics to obtain distressed properties. Some say it is a fine line, but the pile of thank you notes and referral letters from property owners he has helped clearly indicate that his "win-win" philosophy works. He is now teaching others through his information-packed Short Sales A-Z Online Video Course. In this course he shows others how to skillfully negotiate with lenders into settling for less to avoid costly foreclosure.
Oscar Morante holds a Bachelor of Architecture degree from Virginia Tech. Oscar recalls his early passion for buildings and ships and knew he really wanted to be an architect after a brief attempt at pursuing Economics at the impressionable age of sixteen. His early beginnings provided him with unique opportunities to visit and live abroad. His father, a Peruvian Navy Captain, moved his family from the United States to Tokyo, Japan when Oscar was eight years old. While living there, he noticed the architecture; perhaps he made mental notes which would later influence his architectural sensibilities.
When he was age ten, his family moved to Lima, Peru where Oscar would spend the next 10 years discovering himself. In Lima, he pursued his love for the outdoors and adventure. He climbed Macchu Picchu, and immersed himself in Peruvian culture. Today, 20 years later, he still speaks with a Peruvian accent. Oscar says of himself, "I am always trying to get better. I am never tired of making changes. Of course, I want to minimize the things that I do that cause me to have regrets. I don't want to have regrets for not having done something, for not taking a chance, for not making a change."
Oscar is familiar with making changes, whether it is life changes, or career changes; Oscar always seeks to discover something new about himself in the process of adapting to the changes he has made. After graduating from Virginia Tech, Oscar moved to Seattle, Washington. One of his brothers lived there and he decided that, yes, a change of scenery would be good. He quickly found a position as an entry-level architect in a local firm and set out to do what he loved to do. He discovered, despite the long and arduous hours that he worked for the firm, that the county, or the city, presented obstacles for him that sometimes could not be overcome. He contemplated seriously whether or not his ideal of architecture and design would ever fit into the reality of work.
After months of frustration, Oscar decided to make a change. He decided to become a River Guide. He moved to Costa Rica and became certified to lead both Class 3 and Class 4 rivers. He guided tours on average 300 river days, covering the Pacuare and Reventazon River in Costa Rica and the Arkansas River and Royal Gorge, the Cheat River and Wenatchee River in the United States. Oscar loved the thrill and adventure that river guiding provided.
Oscar, always philosophizing, likened the river to life. With its bends and currents, one still needed to plan ahead. A year away from the office and far from the field of Architecture, Oscar realized, he needed to plan for the future. River guiding was a wonderful experience; he had no regrets, yet he was busy making other plans. Today Oscar is still an avid outdoorsman. He skis just about every winter and spring weekend. In the summer, he and his wife Mishelle, enjoy climbing in the Cascade Mountains of Oregon and Washington. At least once a year they travel to another country.
In the late 1990's Oscar moved to Portland and established a stable of clients as a freelance architect and practiced his trade in Oregon and Washington. He later got married and decided to explore real estate. This was not, he explained, a far departure from Architecture. In the midst of his research into the world of real estate investing, he joined several real estate associations and began networking. He learned a great deal about creative financing, how to talk to clients, how to look for real estate deals, and before long, Oscar began combining his knowledge and zest for yet another adventure.
Ever since he started in real estate, Oscar's focus has been in the pre-foreclosure market. When he started in 2003, there was plenty of business. Then, at the peak of the real estate bubble, there were fewer deals but were easier to flip. Now, at the end of 2008, when this bio was last updated, and for the foreseeable future, the majority of the real estate market is distressed property. Because of this, Oscar decided to become a real estate agent as well. He believes that to succeed in real estate, a professional needs to have as many options as possible. For him, to be a licensed agent at the same time as an investor is a plus. According to him, "it is about either being an agent or an investor, it is about being effective, and act according to the situation"...the main thing is to provide win - win - win solutions to resolve a situation. Sometimes it is better to act as an investor, others to act as an agent..." Oscar adds that the distressed property and short sales business is about "earning well by helping others, not inheriting problems".
Oscar's has a saying:
"In real estate, the more you learn, the more you earn"
Oscar believes that real estate, to a large degree, is a knowledge business. That is why Oscar is always in a quest to learn more and be more capable. It is very important to be up-to-date with the skills needed to succeed in whatever the current market conditions are. For Oscar two things are needed to become good at something:
In addition to all of the above, it is very important to mention Oscar is not only extremely capable; he is very pleasant to work with. You will greatly enjoy doing business with him as client, investment partner or student of one of his courses. If you need to reach him contact at oscar@bestshortsales.com.
Advanced Real Estate Concepts, LLC was founded by Oscar Morante in 2004. The company's mission is to acquire over-mortgaged properties that have gone into pre-foreclosure by getting lenders to discount debt in order to mitigate risk of loss at auction. Oscar has developed proven techniques and strategies for success through short sales investing.
While continuing to develop his real estate business, Oscar is sharing his success with others through his educational seminars. Oscar's Short-Sales A-Z seminar was developed based on practical experience and dedication to solving problems.
Based on overwhelming demand, Oscar has developed Short Sales A-Z Online. This brand new class provides you with in depth knowledge and step-by-step instruction on how to perform profitable short sales. Now you will be able to learn the art and science of short sales from any time you want, and from the comfort of your home and office. Access to the online class will be any time you want for as many times as you need. You will learn immediately how to increase your earnings by applying this high demand expertise.
Details and an Exclusive Discount Offer Coming Soon!
Short Sales A-Z Online is for the serious foreclosure real estate professional. Among the main subjects of this seminar you will learn:
SAVE TIME & GAIN VALUABLE KNOWLEDGE
with Oscar's Short Sale Products
Short Sales A-Z Online Video Course
Oscar can help out anyone across the country who wants to learn how to successfully execute a Short Sale.
Visit his Short Sale Website full of <a href=http://www.bestshortsales.com/>Short Sale Resources</a>
Oscar,
Warm greetings! I am writing to ask for permission to reprint the article: UNDERSTAND THE UNDERLYING CAUSES OF FORECLOSURE recently posted on church blessings.com. I was hoping to hand it to the families in our church that might benefit from it. I will indicate the source of the article if allowed to reprint it. I look forward to your response.
Warmly, Kevin Gushiken
Oscar,
Your seminar in short sale was great! I enjoyed it.
Thanks,
Roger Guo
Power Player 3
Good course on Friday ! thanks very much !
Cheers, Rob Wakefield
Investor and Real Estate Agent, San Diego, CA
Oscar,
I sincerely enjoyed the class this last Friday and learned quite a lot.
Looking forward to using the knowledge. Thank you so much.
-- Carolynn Patterson, Investsor, Los Angeles, Ca
Hello Oscar
Thank you so much. I really learned more than I imagined You were very informative, professional and entertaining. My team and I are much more encouraged to begin and complete a successful short sale. I will certainly keep you posted. Once again thank you for teaching us something of great business value.
Best Regards,
Lisa Amorim, Real Estate Broker, PLATINUM ESTATES, Burbank, Ca
Hi Oscar,
Thanks for the wonderful course in Tigard a couple weeks back. As we mentioned at the seminar, my partners and I are working on our first short sale.
-- Mario, Rick, and I all thank you very much for the great seminar!
Sean Pennington, Columbia First Mortgage, Inc., Vancouver, WA 98682
Dear Oscar,
Thank you so much for your short sale class. It was very informative and helpful. I look forward to seeing you in the future.
Jonathan Hirai, On Realty Home Loans, Sausalito, Ca
Hello Oscar,
Your class was amazing, I enjoyed it very much. It was extremely informative and eye opening...You have an incredible amount of knowledge in the short sale market. I think you are an incredible instructor. You made a very dry subject very interesting, most instructors can not accomplish that.
Congrats! Katherine
I just wanteed to drop a note to let you know that I truly enjoyed your insightful seminar. Now I feel very comfortable with the process of short sale and I plan on maintaining contact with you.
Jesse Rosette - Real Estate Agent
Oackland, Ca
Oscar,
Great course. Excellent application to real estate brokers and investors both. I liked the exchange of dialogue.
Scott Vorous - Real Estate Investor
Cour D'Alene, Idaho
Oscar did a great job and was very knowledgeable about the subject.
R Jay Ward - Real Estate Agent
Burley, Idaho
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