Realtor Coaching & Training: real estate coaching
Great CNBC Video..
Pay attention to what they have to say about strategic defaults….as we have been reporting for nearly 3 years…the housing crisis will linger on (and on) as long as homeowners are upside down…no equity, no incentive to stay.
There is no doubt that 2010 is the year of the short sale. Its not too late for you to become a HREU CDPD (Certified Distressed Property Designation). Watch the FREE Agent Short Sale Secrets video now…and download your FREE Short Sale Book!
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Interesting article from Bankrate.com. Worth sharing with your real estate clients.
Entering 2010, many home sellers feel they’re mired in the winter of their discontent, but there are signs the real estate market is on the mend. Sales activity is up, homebuilders are finally moving inventory and values are rising slightly in many American cities. At year-end 2009, mortgage rates stood at historic lows, spurring a wave of new applications.
But don’t be too jubilant. A recent report by Deutsche Bank estimates that by 2011, about 48 percent of all U.S. mortgages will be underwater. Short sales and foreclosures will continue to put pressure on home prices in 2010 as they work their way through the pipeline slowly. It was apparent in 2009 that lenders were holding back much of their foreclosure inventories and REO, or real estate-owned property, in an effort to keep values up.
Translation: 2010 IS the Year of the Short Sale. Expect the number of approved short sales to skyrocket in 2010-2011. Learn the NEW ways to easily list and sell short sales. Watch the FREE HREU CDPD Short Sale Secrets video now…and grab your FREE Short Sale book.
Meanwhile, housing’s biggest economic driver — the job market — continues to stagnate as average unemployment remains high, at around 10 percent. So it’s no surprise the new year will ring in another buyer’s market, though with far more upside than in 2009. With that as a backdrop, here are 10 real estate tips for homebuyers and owners in 2010.
Tip 1: Take up Uncle Sam on his offer.
The $8,000 first-time homebuyer tax credit program that helped jump-start the real estate market in 2009 has been extended into 2010 and expanded. First-time homebuyers who sign a binding contract to buy a home by April 30, 2010, and close on it by June 30, 2010, qualify. The program’s maximum income limits have jumped from $75,000 to $125,000 for individuals and from $150,000 to $225,000 for couples.
For those who have owned their homes for at least five years and want to trade up to a different primary residence, a separate $6,500 tax credit has been added. Further, many homeowners who are underwater in their real estate loans are eligible for a loan-modification program with their current mortgage company or loan servicer through the Making Home Affordable Program.
The buyers want to imagine themselves in the house for years to come and your excess decor and whatnots only distract from this vision. And don’t get defensive about colors or design patterns or flooring that you love. It’s OK to grit your teeth as you grin. Let your agent be the buffer. Remember, the customers (your buyers) are always right, unless, of course, they’re low-balling you.
Might as well get a piece of that big stimulus pie while it lasts. At some point, the federal government will have to let the toddler walk on its own legs.
That time…is April of this year. Let your buyers know that they must buy now if they want to take advantage of the tax credit…
Tip 2: Find down payment assistance.
There are several down payment assistance programs for first-time homebuyers at the federal and local levels. Other down-payment assistance programs that can piggyback ongoing federal programs are often available at the city, county and state level. Just conduct an Internet search for “down-payment assistance programs” with your locality’s name added.
Tip 3: Make home improvements now.
For households with access to credit, now may be the best time in years to fix up the homestead, either for a potential sale or simply for the sake of better living. Low financing costs, reduced construction materials costs and lower contractor costs make rehabs more affordable. Repairs that typically yield the highest returns are kitchen and bathroom makeovers with an emphasis on counters and cabinets. Get three different estimates. Then, factor in an additional 10 percent for those on-the-fly “change orders” that inevitably crop up. See home improvement strategies and checklists at Homegain.com.
Tip 4: Hire real estate agents and home inspectors wisely.
Now is not the time to hire a friend or relative as your real estate agent, especially with one of the most important transactions of your life on the line in this still-shaky market. You want someone who is well-connected with other agents, lenders and other fellow industry pros. Check credentials, references and recent performance histories.
Translation: only work with agents who know how to do short sales….list and sell REOs. Agents who have the new mindset of service and the needed skillset to be of service and having their best years ever. Its NOT too late for you to become a REO listing agent. Watch the FREE Agent REO Secrets video and download the FREE Agent REO Secrets book.
If you’re hiring an appraiser, make sure he or she is a veteran with at least five years of experience who’s appropriately state-licensed or state-certified. Because of potential conflicts of interest, don’t pick one based solely on a reference from a real estate agent. The same diligence should apply to hiring a home inspector. Conduct reasonably brief phone interviews with at least two or three before you choose.
Tip 5: Price accordingly, sellers.
This should be on every real estate seller’s priority list. In most of the U.S., there are few reasons that a house can’t go under contract in 60 days or less. The listings that generate activity while others gather dust are typically those whose owners have adjusted expectations based on comparably priced homes, or “comps.” That doesn’t mean you should drop your price precipitously on your well-maintained home to undercut the litany of poor-condition foreclosure homes. It just means “price to the present,” not to a fantasy market.
Tip 6: Don’t wait out the recovery.
Yes sellers, housing has been repriced. And by the looks of things, it will take years — even a decade or more — for values to return to their highs of two years ago. That potential loss you’re fretting over may only be on paper, especially if you’ve been in the house awhile. Example: Take a move-in-ready house that appraises for $250,000. Because there’s competing inventory, your agent advises you to take 10 percent off the price. Now you’ll be selling for $225,000. “Ouch,” you might say. But consider that you only paid $175,000 for the place in 2000. So how is a $50,000 profit, a loss? What’s more, if you’re planning to move up in the same or a similar market, you will likely realize that same 10 percent discount on your move-up purchase.
Tip 7: Think long term.
Buyers, don’t settle for “good enough.” Just because you’re getting a bargain doesn’t mean you’re getting a home that suits your long-term needs. Think functionality, neighborhood, location, access to services, highway access, work routes, schools, relatives and mass transit, and not price only. Do your homework, keep a cool head and carefully examine all the options. If you can spare the time, give yourself an extra month or two to make a decision. A house is a habitat first, an investment second.
If you want to take it a step further, you can buy greener (and more expensive) energy-saving products, including solar energy systems, geothermal heat pumps, small wind systems, residential fuel cells and micro-turbine systems, and get 30 percent tax credit with no spending limit on each system, through 2016. Go to EnergyStar.gov’s Federal Tax Credits for Energy Efficiency for a complete summary.
Tip 9: Consider rent-to-own deals.
The current market has driven many former homeowners into rentals, where they have nothing to show for their payments. Rent-to-own or lease-to-own deals allow buyers to “tire-kick” a home for a designated period while paying a higher-than-market rent to buy down an eventual down-payment. This gets renters vested in a home while they repair their credit and also helps frustrated sellers generate an above-market revenue stream. Make sure to draft a very specific contract that spells out all the options.
Tip 10: Don’t take or make it personal.
Our homes have such a personal connection to us that we’re often challenged to turn them back into just plain houses when it’s time for us to sell. It is always best to remove personal effects such as pictures, knickknacks, mementos, trophies, greeting cards and the like before showing a house. (A good agent or home-stager should emphasize this.) There is a rule of thumb that you should count every item in every room of a for-sale home and eliminate or store 50 percent of them.
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How big is the banks Shadow Inventory?
Huge. There are estimates that call for as many as 14,000,000 foreclosures still to come. The most ‘optimistic’ number that we have heard is that there are 5,000,000 foreclosures waiting to become REOs. Either way, big number.
The wild cards are 1) Loan Mods, will they work…this far, the results have been dubious. 2) Jumbo Mortgage defaults. Jumbo mortgage holders have virtually no re-finance options. New lending standards makes securing a new Jumbo mortgage very difficult. 3) Strategic Defaults. There is clearly a national movement (of sorts) that is gaining momentum. We expect that the new HAFA Guidelines will result in more Short Sales and DILs.
More info for you from wsj.com
More waves of foreclosures will keep downward pressure on home prices in parts of the U.S. over the next several years, two new studies project.
The studies—by John Burns Real Estate Consulting Inc. and Standard & Poor’s Financial Services LLC—both conclude that most efforts to modify loans with easier terms will delay, not prevent, the loss of homes to foreclosure.
The Treasury Department is expected to give its latest update this week on government efforts to avert foreclosures.
We will report this the moment its released…
The John Burns study estimates that five million houses and condominiums on which mortgages are now delinquent will go through foreclosure or related procedures that put them on the market over the next few years. That would represent the bulk of the estimated 7.7 million households behind on their mortgage payments.
This “shadow inventory” of homes expected to hit the market is enough to last about 10 months, based on the average sales rate over the past decade, the Irvine, Calif., firm says.
The problem is largely concentrated in Arizona, California, Florida and Nevada. The shadow inventory is equivalent to 27 months of sales in Orlando, 24 months in Miami and 18 months in Las Vegas, the study estimates.
Over the past nine months, home prices as measured by the S&P/Case-Shiller index have increased modestly after a three-year plunge. That is largely because efforts to avert foreclosures have slowed the flow of foreclosed homes onto the market, temporarily constricting supply.
Translation: More REOs coming to a real estate market near you. Lenders are moving more aggressively towards foreclosures. We will see an increase in ‘friendly foreclosures’ where the lenders offer incentives to do short sales or DILs. Agents, bottom line…learn how to become a REO listing agent. Clearly the largest waves of foreclosures are still coming. Its NOT too late for you to become a REO Listing agent. Watch the FREE Agent REO Secrets video and download the FREE How-to list REOs book.
John Burns, chief executive of the consulting firm, said investor demand for foreclosed homes remained strong. Thus, he said, prices were likely to be about level over the next few years, despite the looming foreclosure supply, if the economy continued to recover and mortgage interest rates didn’t rise sharply. But if the economy slumped anew and interest rates jumped, he said, “that’s going to cause prices to fall further.”
The S&P study also says that the “overhang” of foreclosed homes expected to go on the market points to lower home prices.
Some borrowers are catching up on payments after having their loan terms modified, but S&P says current trends suggest that 70% of such borrowers eventually will redefault.
Loan modifications “may be helping marginally, but they are not going to solve the whole problem,” said Diane Westerback, a managing director at S&P.
Loan servicers, firms that collect payments and handle foreclosures, seem to have “nearly exhausted the supply of plausible candidates for loan modifications” and will find that many loans are “unredeemable,” the S&P study says.
As a result, servicers increasingly are looking to arrange “short sales,” in which homes are sold for less than their loan balances.
That is already happening. Learn the new ways to list and sell short sales. Watch the FREE HREU CDPD Short Sale Secrets video now and download the FREE 2010 Short Sale crash course now.
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Looking for a clear sign that the banks are preparing for the next surges in foreclosures?…look no futher.
The lenders are living in fear that the foreclosures waves will continue for at least the next 3-5 years….and the rate of strategic foreclosures (and short sales) will only worsen the housing market. Read about the epic increase in the so-called strategic defaults here.
In addition to what you are about to read in this post..here are other ‘ideas’ we know the lenders are testing across the nation to get the previous owners to move out (or their tenants)
1) 1% cash for keys offers…and more. For example, the foreclosure amount was $500,000. The initial cash for keys offer will be for $5,000…and if the current occupant still won’t move…expect the lender to INCREASE their cash for keys offer to $10,000.
2) Freddie Mac is experimenting with mortgage reinstatements. For example, someone ‘loses’ their home to foreclosure. So, legally its no longer their home. Normally, the move out and the home becomes a REO listing. As we reported several weeks ago Freddie Mac is now offering mortgage re-instatements to those defaulted borrowers. They are able to immediately secure another mortgage FOR the foreclosed amount…and the prevailing FHA rate. Yes, this means a just foreclosed on borrower can in essence keep their home with all the negative equity (and back taxes, HOA etc) wiped clean.
3) Fannie Mae has been quietly experimenting with leases offers. Allowing the former owner to lease the home back at market rates.
Seeking alternatives to the nation’s struggling foreclosure prevention efforts, federal and mortgage industry officials increasingly are looking for ways to get distressed borrowers to leave their homes voluntarily, without going through the expensive foreclosure process or a messy eviction.
Citigroup, for instance, plans to announce a pilot program on Thursday that would allow delinquent borrowers who don’t qualify for or decline mortgage relief the opportunity to stay in their homes without making payments for up to six months before turning over the keys, in return for keeping the property in good condition. The bank estimates that up to 20,000 borrowers in Texas, Florida, Illinois, Michigan, New Jersey and Ohio could be eligible.
I doubt if this will work. Ohio for example…a homeowner can now stay in their home for 1-2 years WITHOUT making a payment. Ohio laws (plus the huge back log of foreclosures) work to the benefit of those who can’t make their house payments. What the lenders want to do is make it so the homeowners won’t stay as long as they can….in other words, the offer to stay an additional 6 months for a Ohioan is actually not as appealing as their current options.
The program is just the latest amid a growing acknowledgment that foreclosure prevention efforts will fail to reach millions of borrowers over the next few years.
“This is a graceful way to move on with their lives instead of being foreclosed on and being evicted from their homes,” said Sanjiv Das, chief executive of CitiMortgage.
Agents, what you are reading is a crafty way for the banks to…save money. This has very little true benefit to the homeowner. Read into what is going on here…the lenders are offering homeowners….a DIL, Deed In Lieu Of Foreclosure. DILs have been an available option for borrowers but, lenders have been trying to force borrowers to apply for a loan mod etc. Agents, what lenders are doing is following the HAFA guidelines that take effect April 5th of this year….listen to the free 90 minute teleconference replay to learn about the new HAFA Guidelines NOW.
The Citigroup plan attempts to address some common industry complaints, including borrowers who leave their homes in disarray after foreclosure, requiring lenders to spend thousands of dollars fixing up the property before putting it on the market. Also, homeowners who owe far more than their homes are worth increasingly are choosing to “strategically default,” even though they can afford to pay their mortgage. The new program gives CitiMortgage more control over when distressed homes are put up for sale, bypassing clogged courthouses that have slowed the foreclosure process in many parts of the country.
Agents, lenders are offering this because of the new HAFA guidelines….be clear on that. Listen to the replay of the 90 minute Short Sale HREU CDPD teleconference now.
By avoiding a glut of foreclosures that could hit the housing market within the next 16 to 18 months, the program — if it is replicated throughout the industry — could help prevent another dip in home prices, Das said.
It would be a more orderly process “than if all of the foreclosed properties came crashing at some point in the cycle,” he said.
This means more REO listings. So, how exactly will this really do anything to prevent a glut of foreclosures? It won’t. Lenders are simply waving the white flag and accepting that the foreclosures are coming. Now, they are trying to save money. Remember, the average foreclosure costs the lender $50,000! Agents, learn how to become a REO listing agent. Watch the FREE Agent REO Secrets video and download the FREE Agent REO Secrets book. Earn your HREU RSD now.
Other initiatives have also emerged for borrowers likely to lose their homes. Fannie Mae and Freddie Mac, the mortgage financing companies, developed programs allowing former homeowners to become renters after a foreclosure or other proceedings. As part of its federal foreclosure prevention program, known as Making Home Affordable, the Treasury Department announced late last year that lenders would be eligible for $1,000 in exchange for allowing borrowers to sell their home in a short sale. In such deals, the borrower sells the home for less than the outstanding mortgage, and the lender forgives the difference.
Moody’s Economy.com has forecast that the number of short sales and transactions in which borrowers surrender their deed in lieu of foreclosure will increase more than 50 percent, to about 490,000, this year. That is just a fraction of the 1.9 million homeowners Moody’s has forecast will lose their homes to foreclosure this year, up from 1.7 million last year.
Yep, thats why we have been calling 2010..’The Year Of The Short Sale”. Agents, learn how to help others and make money now. Watch the FREE Harris Real Estate University Short Sale Secrets CDPD video and download the FREE Short Sale Secrets book.
But lenders have struggled to make many of these programs effective. The short sale is often lengthy and cumbersome for homeowners. In some cases, borrowers have second liens on the property, which can hang up the process. And lenders are sometimes suspicious of the potential for fraud if the home is sold cheap to a friend or family member of the borrower.
It’s unclear how rental programs for former homeowners are working. Fannie Mae launched its “Deed for Lease” program in November, offering borrowers a 12-month lease in return for turning over the keys to their former home and maintaining the property. A company spokeswoman said that it was too early to judge the program’s success, but that former homeowners who surrender their deed to avoid foreclosure — numbering nearly 2,000 through the third quarter of last year — would be eligible. Freddie Mac’s year-old program targets former homeowners after their foreclosure, offering them a month-to-month lease. It has not released specific data on how many homeowners have chosen this option.
Citigroup’s program goes further. It targets delinquent homeowners who do not qualify for mortgage relief. During the time the borrower is still in the home, they must continue to pay utilities, but in some cases, the bank may help cover some of the taxes, insurance or homeowner association fees. The borrower would also be eligible for transition counseling to help find a new home, and a minimum of $1,000 to help offset moving costs.
If there is significant demand for the program, Citigroup will expand it, Das said. “There might be complications that we haven’t thought about,” he said. “What happens if they don’t turn over the keys after six months or they don’t maintain their house like we would like them to maintain their house?”
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Over the last week or so we have received literally hundreds of emails from Harris Real Estate University about this video
The premise of the video is that there is deep seeded collusion between the FDIC and One West Bank. Well, as you can imagine there is a big stink brewing as to the claims the video creators proposed.
We contacted the FDIC and spoke with one of our contacts… In short order they pointed out the flaws and false claims, so we decided to not re-post the video. Until today. So, watch the video…and then read the this post.
Let us know what you think, share your comments.
These comments were from ZeroHedge.com
A few days ago we posted “The Great Highway Robbery Continues: How the FDIC is Legally Transferring Billions in Taxpayer Money to Hedge Funds” which presented a clip by Think Big Work Small, highlighting what was seemingly a grand scheme to defraud taxpayers with the FDIC’s complicity. Today, the FDIC strikes back, issuing a Press Release claiming the video contains “blatantly false claims“, “perpetrates other falsehoods“ and has “no credibility.” The counterargument which is supposed to render all allegations of impropriety false: “OneWest must first take more than $2.5 billion in losses before it can make a loss-share claim on owned assets” and that “in order to be paid through loss share, OneWest must have adhered to HAMP.” Unfortunately, reading between the lines of the response indicates that not only are the falsehoods actually truehoods, but the video is still, sorry Shila, quite credible.
So to make sure we get this straight. OneWest could have an accrued loss balance of $2.499 billion as of today, and just one more loss will be enough to force the FDIC to make a lump sum payment instead of linear payments? And somehow we are supposed to be comforted by this? A cursory public filing search for OneWest bank reveals no such organization. Maybe while it is denying the validity of the video the FDIC can advise taxpayers where they can get some information on what the correct reserve or loss accrual at OneWest is? Courtesy of the most opaque accounting rules in the history of America, OneWest could have already gotten way beyond the $2.5 billion threshold and is simply waiting for the proper time to spring this to the unwitting FDIC.
And as for adhering to HAMP? Would that be the same program that will ultimately benefit less than 1% of US first mortgages due to ridiculous constrains that make the vast majority of participants ineligible? Aside from scoring one for the stupidity of the administration, does the FDIC actually believe that Americans will find this to be a relevant gating issue?
Sorry FDIC, but not only did your press release not refute the video’s claims in the least, but you just dug yourself an even deeper grave as every aspiring blogger and investigative reporter will now do everything in their power to find comparable examples of blatant “slap in the face” fraud expecting you to retort to any and all allegations, ensuring 15 minutes of fame for all implicated.
This is the actual statement from the FDIC:
FDIC Provides Additional Information on its Loss Share Agreement With OneWest Bank
February 12, 2010
FDIC Director of Public Affairs Andrew Gray said, “It is unfortunate but necessary to respond to blatantly false claims in a web video that is being circulated about the loss-sharing agreement between the FDIC and OneWest Bank. Here are the facts: OneWest has not been paid one penny by the FDIC in loss-share claims. The loss-share agreement is limited to 7% of the total assets that OneWest services, and OneWest must first take more than $2.5 billion in losses before it can make a loss-share claim on owned assets. In order to be paid through loss share, OneWest must have adhered to the Home Affordable Modification Program (HAMP).
The producers of this video perpetuate other falsehoods. The FDIC has not requested to borrow money from the Treasury Department. Indeed, we continue to be funded by the banking industry through assessments, not by taxpayers as claimed in the video.
This video has no credibility. Regardless of the personal or professional motivations behind its production, there is always a responsibility to be factually correct and transparent. The FDIC made available a fact sheet on the day that the sale of IndyMac was announced that details the terms of the contract. It’s too bad that the creators of this video opted to premise it on falsehoods.”
And this is from the Wall Street Journal:
WASHINGTON (Dow Jones)–The Federal Deposit Insurance Corp., defensively responding to a viral video on YouTube.com about an agreement the agency made with OneWest Bank, provided more details Friday on its loss-share agreement with the firm.
Agency spokesman Andrew Gray said he is hoping to set the record straight regarding several “falsehoods” perpetuated in the video.
“OneWest has not been paid one penny by the FDIC in loss-share claims. The loss-share agreement is limited to 7% of the total assets that OneWest services, and OneWest must first take more than $2.5 billion in losses before it can make a loss-share claim on owned assets,” Gray said. He later added, in “order to be paid through loss-share, OneWest must have adhered to the Home Affordable Modification Program.”
Other statements Gray clarified includes an accusation that FDIC has requested to borrow money from the Treasury Department.
That’s not true, Gray said.
“Indeed, we continue to be funded by the banking industry through assessments, not by taxpayers as claimed in the video,” he said.
Gray criticized the producers of the video for not being responsible enough to get accurate information and said the video has “no credibility.”
“It’s too bad that the creators of this video opted to premise it on falsehoods,” Gray said.
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Join us for this week’s FREE Friday Superstar Interview…
The topic is: DISC Personality Styles.
Here is the information for your schedule:
EVENT: Super Star Interview
DATE & TIME: Friday, February 12th at 9:00am Pacific/ 12nn Eastern
FORMAT: Simulcast! (Attend via Phone or Webcast — it’s your choice)
TO ATTEND THIS EVENT, CLICK THIS LINK NOW…
http://AttendThisEvent.com/?eventid=10734474
What is the DISC Personality Profile:
The assessments classify four aspects of behavior by testing a person’s preferences in word associations (compare with Myers-Briggs Type Indicator). DISC is an acronym for:
- Dominance – relating to control, power and assertiveness
- Influence – relating to social situations and communication
- Steadiness (submission in Marston’s time) – relating to patience, persistence, and thoughtfulness
- Conscientiousness (or caution, compliance in Marston’s time) – relating to structure and organization
These four dimensions can be grouped in a grid with D and I sharing the top row and representing extroverted aspects of the personality, and C and S below representing introverted aspects. D and C then share the left column and represent task-focused aspects, and I and S share the right column and represent social aspects. In this matrix, the vertical dimension represents a factor of “Assertive” or “Passive”, while the horizontal represents “Open” vs. “Guarded”.
- Dominance: People who score high in the intensity of the “D” styles factor are very active in dealing with problems and challenges, while low “D” scores are people who want to do more research before committing to a decision. High “D” people are described as demanding, forceful, egocentric, strong willed, driving, determined, ambitious, aggressive, and pioneering. Low D scores describe those who are conservative, low keyed, cooperative, calculating, undemanding, cautious, mild, agreeable, modest and peaceful.
- Influence: People with high “I” scores influence others through talking and activity and tend to be emotional. They are described as convincing, magnetic, political, enthusiastic, persuasive, warm, demonstrative, trusting, and optimistic. Those with low “I” scores influence more by data and facts, and not with feelings. They are described as reflective, factual, calculating, skeptical, logical, suspicious, matter of fact, pessimistic, and critical.
- Steadiness: People with high “S” styles scores want a steady pace, security, and do not like sudden change. High “S” individuals are calm, relaxed, patient, possessive, predictable, deliberate, stable, consistent, and tend to be unemotional and poker faced. Low “S” intensity scores are those who like change and variety. People with low “S” scores are described as restless, demonstrative, impatient, eager, or even impulsive.
- Conscientious: People with high “C” styles adhere to rules, regulations, and structure. They like to do quality work and do it right the first time. High “C” people are careful, cautious, exacting, neat, systematic, diplomatic, accurate, and tactful. Those with low “C” scores challenge the rules and want independence and are described as self-willed, stubborn, opinionated, unsystematic, arbitrary, and careless with details.
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Great video from CBS Evening News.
Pay attention to what they are now reporting as the upcoming headwinds that will prevent any true real estate recovery in 2010 (and probably 2011..2012)
Strategic Foreclosures, Strategic Short Sales….those are the wild cards.
Agents…2010 IS the year of the Short Sale. Watch the FREE HREU CDPD Short Sale Secrets video and download the FREE Short Sale Secrets book!
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