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Foreclosure information

Posted by admin on June 17, 2011 in Florida home, Foreclosed Homes, Foreclosure Real Estate, Home, House for sale, Money, Real Estate with No Comments


What is Foreclosure?
foreclosure home nouse cheapForeclosure is a process that allows a lender to recover the amount owed on a defaulted loan by selling or taking ownership (repossession) of the property securing the loan. The foreclosure process begins when a borrower/owner defaults on loan payments (usually mortgage payments) and the lender files a public default notice, called a Notice of Default or Lis Pendens. The foreclosure process can end one of four ways:
The borrower/owner reinstates the loan by paying off the default amount during a grace period determined by state law. This grace period is also known as pre-foreclosure.
The borrower/owner sells the property to a third party during the pre-foreclosure period. The sale allows the borrower/owner to pay off the loan and avoid having a foreclosure on his or her credit history.

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A third party buys the property at a public auction at the end of the pre-foreclosure period.
The lender takes ownership of the property, usually with the intent to re-sell it on the open market. The lender can take ownership either through an agreement with the borrower/owner during pre-foreclosure, via a short sale foreclosure or by buying back the property at the public auction. Properties repossessed by the lender are also known as bank-owned or REO properties (Real Estate Owned by the lender).
This foreclosure process allows for three opportunities for finding bargains on foreclosure homes.

Pre-Foreclosure (NOD, LIS):
Buying a property in pre-foreclosure involves approaching the borrower/owner and offering to buy the property outright. The borrower/owner can walk away with something to show for any equity in the property and avoid a bad mark on his or her credit history. The buyer has time to research the title and condition of the property and can realize discounts of 20-40 percent below market value.
More about pre-foreclosures:

Wondering what happens after foreclosure? Then please read on. Remember that understanding foreclosures is the first step for homeowners to stop foreclosure. It is also the first step for investors to buy foreclosure properties.

foreclosure home house cheapAuction (NTS, NFS):
If the loan is not reinstated by the end of the pre-foreclosure period, potential buyers can bid on the property at a public auction. Buyers often are required to pay in cash at the auction and may not have much time to research the title and condition of the property beforehand; however, a public auction often offers some of the best bargains and avoids the unpredictability of dealing directly with the borrower/owner.
More about Foreclosure auctions

Bank-owned (REO):
If the lender takes ownership of the property, either through an agreement with the owner during pre-foreclosure or at the public auction, the lender will usually want to re-sell the property to recover the unpaid loan amount. The lender will then typically clear the title and perform needed maintenance and repair; however, the potential bargain for these REO homes is typically less than a pre-foreclosure or auction property. Bank foreclosures can become government foreclosures if the loan is backed by a government agency such as the Department of Housing and Urban Development (HUD) or the Department of Veterans Affairs (VA). In that case the government agency would be responsible for selling the property.
More about HUD foreclosures and VA foreclosures

Before you buy:
You'll need to make sure you're armed with the foreclosure data you'll need to find and buy foreclosed homes. You can start by searching free on RealtyTrac’s foreclosure listings database, which includes pre-foreclosure and auction properties across the country and a nationwide bank foreclosures list.

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Best Free Beauty Tips

Posted by MyMy on June 17, 2011 in Foreclosed Homes, House for sale, Marrige, Relationship, Work From Home with No Comments


Everyone knows that a beautiful skin begins with a proper skin care routine and the use of beneficial products. We might have all different needs when it comes to beauty products, but there is definitely one thing we have in common: the need to exfoliate.

The following beauty tips can help you find the perfect exfoliation method for you as this process leads to the regeneration of the skin and promotes a healthy, radiant complexion.
There are several methods you can turn towards when it comes to the exfoliation process, depending on personal preference as well as budget, but there are a few methods which stand out from the others. These methods are professional methods performed in beauty salons all over the world.

Specialists have developed these products and methods used to exfoliate the skin to promote healthy, beautiful looking skin that radiates. They act by removing the dead skin cells which cover the skin to allow new cells to regenerate. This way, the skin remains soft to the touch, glowing, and fine lines are faded away. Here are some tips to help you achieve a perfect exfoliated skin:

If you're not a fan of beauty salons or you're just on a tight budget, don't worry, as you'll still be able to reach that healthy radiant skin you've always dreamed of. Facial scrubs and also fruits such as kiwis, grapefruits, papaya, and many more others can help remove those dead skin cells which cause a dull, unappealing look. There are a variety of products available for you, so make sure you choose right.

If you have acne problems, use a fruit exfoliating mask and avoid those peeling systems which feature small granules as they might irritate your pimples, doing more harm than good.

This type of peeling treatment is a bit more expensive than microdermabrasion and the procedure lasts longer as well, to about 90 minutes. The Intensive Repair Treatment is suitable for tired, dull and devitalized skin, as it helps oxygenate the skin deeply. The treatment begins with make-up removal and skin toning, after which the exfoliation process begins. Papaya and pineapple enzymes are used to remove the dead skin cells of the skin; these fruit acids work really well and are gentle on the complexion.

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