Heather Brooks

WHETHER THE ECONOMY IS GOOD OR BAD IN YOUR AREA, WE CAN ALL BENEFIT FROM ANOTHER SOURCE OF INCOME. I STRONGLY BELIEVE IN BOTH PASSIVE AND NON-PASSIVE INCOME AND NEVER PUT ALL MY EGGS IN ONE BASKET.

WE HAVE ALL HEARD THE SAYING "DIFFERENT STROKES FOR DIFFERENT FOLKS". NOT ALL SALES PEOPLE ARE THE SAME AND WE ALL HAVE DIFFERENT INTERESTS. I HAVE GOTTEN INVOLVED IN A FEW OTHER BUSINESS OPPORTUNITIES TO PREPARE OR CUSHION THE DOWN TIMES.

#1-THE LATEST VENTURE I HAVE INVOLVED MYSELF WITH, BUT THE ONE I AM ENJOYING THE MOST...AND PROFITING FROM THE MOST...IS THE IT WORKS DISTRIBUTORSHIP. IT'S A "PARTY STRUCTURED" COMPANY THAT DOES BODY WRAPS (THAT ACTUALLY WORK!) AND A VARIETY OF SUPPLEMENTS (THAT ACTUALLY WORK). YOU, THE DISTRIBUTOR, MAKE 15% COMMISSION OFF THE SALE OF THE PRODUCTS...AND THE PRODUCTS BASICLY SELL THEMSELVES ONCE PEOPLE SEE THE RESULTS! NOT ONLY DO YOU MAKE 15% COMMISSION OFF THE PRODUCTS, BUT IF ANYONE DECIDES TO SIGN UP UNDER YOU (WHICH DOES HAPPEN!), YOU MAKE 10% OFF THEIR SALES...AND...WHEN SOMEONE SIGNS UP UNDER THEM TO BE A DISTRIBUTOR, YOU MAKE 10% OFF THEIR SALES AS WELL! AS I'M SURE YOU CAN SEE, THE DOLLARS ARE STARTING TO BUILD UP. PLUS, ONCE A CERTAIN AMOUNT OF CUSTOMERS & DISTRIBUTORS ARE ACCUMULATED, YOU GET 5%, 5%, AND A NEVER-ENDING 2% FROM ALL YOUR "DOWNLINE". I PERSONALLY, HAVE NEVER BEEN A FAN OF THE MULTI-LEVEL MARKETING SCENE, BUT THIS PRODUCT BOTH WORKS & SELLS ITSELF. IT'S A NO-BRAINER. CHECK OUT MY WEBSITE AND SEE FOR YOURSELF. WWW.HB.ITWORKS.NET. I USE THE GREENS, CONFIANZA, THE WRAPS, AND THE DEFINING GEL AND LOVE ALL OF THEM. THE CONFIANZA IS FOR STRESS AND YOU CAN ACTUALLY FEEL IT WORKING. I HAVE A FRIEND WHO TAKES THE VITALS & GREENS AND IT HAS BALANCED OUT HIS BODY SO MUCH, HE HAS WENT FROM 20 CIGARETTES A DAY DOWN TO 4! THE PRODUCTS ARE AMAZING! THE COST? ONLY $199 TO SIGN UP AS A DISTRIBUTOR & YOU GET PRODUCT INCLUDED FOR THAT COST! LIKE I SAID, ITS A NO-BRAINER. LADIES, GENTLEMAN....IT WORKS FOR EVERYBODY. WWW.HB.ITWORKS.NET

#2-THE SHOPPING GENIE. WHERE SHOULD I BEGIN? FIRST, LET ME SHOW YOU HOW THE ACTUAL PRODUCT WORKS. GO TO WWW.REDHOTDISCOUNTS.NETAND INSTALL THE APP (IT'S SAFE, FREE, AND WILL ASK FOR NO INFORMATION WHATSOEVER). ONCE YOU INSTALL IT, GO TO THE BOTTOM AND CHANGE OPTIONS TO YOUR CITY (OTHERWISE YOU WILL GET INFO FOR ST LOUIS...WHICH WILL DO YOU NO GOOD). IT'LL APPEAR ON THE BOTTOM OF YOUR PAGE ON GOOGLE AND YOU'LL BE ABLE TO PRINT COUPONS FOR LOCAL VENUES, RESTAURANTS, PRODUCTS, ETC...BE ABLE TO COMPARE PRICES ONLINE, FIND DEALS & MORE. IT'S VERY SIMILAR TO PRICELINE, BUT IT'S AT YOUR FINGERTIPS. YOU'LL ALSO NOTICE MY LOGO NEXT TO IT. BRANDING!!!!! ARE YOU GETTING THE PICTURE YET? HERE'S HOW THE INCOME PRODUCING PORTION OF IT HAPPENS. PEOPLE DOWNLOAD THE APP...JUST LIKE YOU DID. THEY ARE HAPPY BECAUSE IT SAVES THEM MONEY (AND WHO DOESN'T NEED TO SAVE MONEY???). YOU GET PAID JUST BECAUSE THEY CLICK ON THINGS ONLINE. THEY DON'T EVEN HAVE TO BUY ANYTHING FOR YOU TO GET PAID. IF THEY DO BUY ANYTHING FROM A VARIETY OF SITES, YOU GET PAID DIRECTLY FROM CLICK-IT OR AMAZON.COM. PLUS, YOU GET BRANDING FOR YOURSELF! YOU CAN DOWNLOAD YOUR LOGO, PICTURE, TAGLINE, ETC AND EVERY TIME PEOPLE GET ON GOOGLE, THEY WILL THINK OF YOU. WHAT A GREAT WAY TO PROMOTE YOUR BUSINESS! IF YOU NEED FURTHER EXPLANATION, JUST ASK. SO NOW YOU'RE THINKING AGAIN...WHAT THE COST. THE COST IS $199 & $29/MO. THAT'S IT. YOU CAN'T FIND ADVERTISING FOR YOUR BUSINESS ANY CHEAPER THAN THAT AND YOU CAN GIVE FREE SHOPPING GENIES TO AN UNLIMITED NUMBER OF PEOPLE. GO TO WWW.REDHOTDISCOUNTS.NET AND DOWNLOAD YOUR GENIE TODAY. YOU CAN SIGN UP AS A DISTRIBUTOR DIRECTLY FROM MY SITE.

I HAVE A FEW OTHER THINGS I'M WORKING ON, BUT THESE 2 ARE BY FAR THE BEST. HERE'S MY BACKGROUND....

I'M THE BROKER IN CHARGE OF RED HOT PROPERTIES. WE ARE LICENSED IN BOTH NORTH CAROLINA & SOUTH CAROLINA WITH FOCUS BEING ON THE GREENSBORO & MYRTLE BEACH AREAS. I AM A MOTHER OF 3 WONDERFUL CHILDREN AND ACTIVE IN MY CHURCH & COMMUNITY. YOU CAN SEE MY WEBSITE AT WWW.REDHOTPROPERTIES.NET AND FIND ME ON FACEBOOK AT WWW.FACEBOOK.COM/INVESTMENTREALTOR.

So what exactly is going on with beach property? Buying, selling & investing...

First things first...

If you own a condo, house, etc in the Grand Strand area and you can afford to hold onto it, do so. For sellers, the market is bad. Not just bad, the market is horrible. If you purchased in the 2005 time frame, you won't be able to get anywhere close to what you paid for it. Rent ir or lease purchase it if you can. If you must get rid of it, don't just let it foreclose. The good news is that shortsales move. Buyers, investors & peple in general love "deals" and you can move your property this way. (If you don't know what a short sale is, its when you still retain title to the property but all negotiations and done through the lender. Final sale price is contingent upon lenders approval. They will generally take approx 20-30% less than the amount owed, but I have seen as much as 50-60%.). I'd be glad to handle the short sale or if you're using another agent, MAKE SURE HE'SHE IS SHORT SALE QUALIFIED/EXPERIENCED. If you choose an inexperienced Realtor for your short sale, chances are it will turn disastrous.

NOW, on the buyer side...

Is NOW a good time to buy at the beach? YES YES YES and more YES. Have I purchased personally within the past year? YES! Would/Will I buy again this year? YES. Why? Because you probably will not see prices this low for a long long time again. Take advantage of it. Seize the opportunity. You can actually cash flow now buying at the beach. It's 1000x better than letting your money sit in the bank or chance it to the stock market. People are still vacationing at the beach and tourism is on the rise again. Don't wait for rates to go down more or for prices to drop more. Don't miss your opportunity!

For more information, you can contact me at RedHotProperties@gmail.comor at 336.987.6242. Heather Brooks, BIC/REALTOR, SFR ABR Red Hot Properties of NC & SC

Lots of people purchased condos & property in Myrtle Beach/N. Myrtle Beach in 2006. It was a HOT market and property values & appraisals sky rocketed. People could buy with little or no money down and it turned into a buying frenzy!

Now 4 years later, its another story. With all the adjustable rate mortgages & interest only loans, once sought-after condos & homes at the beach are foreclosing left & right. Lots of them foreclosed because homeowners choked all the equity out of them and they couldn't afford the payments after that so they just let them go. Others had to make a choice between their primary residence that they needed or a beach property they didn't....so the beach property got tossed to the way-side. Some people lost their jobs, got divorced...whatever the reason may be...and out the window went the beach house/condo.

FORECLOSURE is not the answer. It KILLS your credit...for a LONG time. Don't let pride or embarrassment stop you from calling the bank to try to get a loan modification...OR from calling a Realtor to do a short sale. You're not alone! Things happen. Good, bad or indifferent, things happen for a reason. The good news is that it always works out in the end. This is just a stumbling block. It's NOT the end of the world. And credit CAN be repaired!

If you own a condo, house, a piece of land, multi-family property, etc in the Myrtle Beach, North Myrtle Beach (Cherry Grove, Crescent Beach, etc), Carolina Forest, Surfside, Pawleys Island, Murrells Inlet, Garden City, Litchfield by the Sea area & need/want to do a short sale, I can help! It doesn't matter if its a primary residence, 2nd home or rental/investment property. I have been helping homeowners with the short sale solution since 2006. It still puts a dent in your credit, but it doesn't crash it. The best part is it takes all the hassle and stress (or at least some/most) off you.

All you need to get started is a listing agreement (which I can get done for you TODAY) and an authorization letter stating you allow me (or whichever Broker/Realtor you choose) to discuss & negotiate that propery on your behalf. It has to have today's date, the acct#, your hand writen signature, last 4 of your SS#, and property address. THAT'S IT! How simple is that?!

Next, you'll need to compile a few pieces of information that the bank will need in order to process the short sale. A hardship letter describing your situation (as detailed as possible), 2 months bank statements, last 2 pay stubs, last 2 years tax returns (or extension letter if you haven't filed), and a personal financial statement (that most enders already have pre-printed). After that, you leave everything to me!

If you have questions or need more information, feel free to email me at RedHotProperties@gmail.com. You can see home of the short sales I have listed on my website at www.RedHotProperties.net. (Most for Myrtle Beach are on page 2, so make sure you do to page 2. They are listed in alphabetical order, by city). I look forward to hearing from you. The most important piece of information I can give you is, DON'T WORRY. IT WILL BE OK.

I am a Certified Short Sale Specialist. A lot of people don't know exactly what a short sale is or what it entails. Even quite a few Realtors aren't quite sure of the process. If you're needing to sell your home as a Short Sale/Preforeclosure or are seeking to buy a shortsale, make sure you interview the agent involved so you know they are properly qualified. For short sale questions or comments, please send me a message. You can reach me at RedHotProperties@gmail.com or call 336-987-6242. Sincerely, Heather Brooks

Now that's out of the way....who does a short sale benefit and what exactly is it?

A short sale is when a bank will negotiate the sale of your home at a reduced price. It is prior to a foreclosure, so you are the owner and the Realtor lists the home for sale through you. Once you sign the listing agreement and paperwork, the agent will either email, fax or mail all of this to the short sale department at the bank. Your agent will also need an authorization letter from you stating you allow them to negotiate on your behalf. You'll need a hardship letter explaining why you cannot make your payments and need the short sale. You will also be asked to provide a personal financial statement, bank statements, past W-2's, etc. It varies per bank/lending institution. From there, he/she will list your home for sale and and hopefully bring a buyer. Once an offer is made, you sign off on it and the agent then sends to the bank. You must sign off on each offer presented and the agent must submit all offers to the bank. They will proably ask for a preliminary HUD as well. After all this is done, it may be several weeks before you hear anything from the bank. If the sales price is settled on and the bank accepts, you're all done. The whole process can take up to 4 months to complete, so most of all PLEASE BE PATIENT. Also remember to interview your agent and make sure they understand the process fully. I have only touched on the basic steps in this paragraph.

For a buyer of a short sale, the most important aspect is patience. Short sales, while you can get a fantastic property at an excellent price, can be lengthy. They can be as little as 30 days, but up to months on end. If there are 2 loans on the property, the process is extended longer. Make sure you deal with an experienced agent when buying a short sale. The offer to purchase form is the same as a regular sale, but the bank may have you sign an addendum prior to closing. You will need either a preapproval letter or proof of funds letter to submit with the offer as well. Make sure you date the closing date 45+ days out with an allowable extension of at least 90 days past that just in case. The more times you have to put extensions and get paperwork corrected and initialled, the longer the process.

I teach short sale seminars in Greensboro if you have interest! For more information or comments, please respond!