"Buy Your Dream Home At A Huge Discount - Once You Have 'First Dibs' On The Best Foreclosure Deals In Town"

Stop losing out to competitors on the "foreclosure listing services", clinch an insider deal first, and learn to borrow 100% of your purchase price - plus the cost of renovations! I'll even stake my own money on your success!

From: Steve Maletos
Date:

Dear Friend:

Now is the best time in years to buy your dream home at a massive discount. Because of the recession, more people are falling behind in their mortgage payments. And you can actually help - by buying a foreclosure before it's auctioned off. However.

To find the best foreclosure deals, you need an inside edge. So you need an unfair advantage. That's why I've created this Web page.

Using my insider methods:

You can snatch your dream home for 65 - 75% of its value. Which means you've got $15,000 - $150,000 in instant equity (depending on your area). Not only will that boost your net worth; it's real cash that you can look forward to when you sell or retire. You can borrow money fast - so your dream home doesn't slip through your fingers. And regardless of your credit history, I'll teach you to borrow 100% of the purchase price - plus the cost of renovations!

Let's use an example. Suppose that yesterday you were only prepared to buy a $200,000 home. Now you can buy a $300,000 home for the same $200,000! Your down payment and mortgage are just as low, but now you live in bigger home and a better location.

Your New Home's Value Grows Faster Over Time

In the example above, it's obvious that you've gained $100,000 in immediate equity. What's not so obvious is the additional long-term gain. If both homes appreciate by just 7% per year:

The $200,000 home will appreciate by $80,510 over five years. The $300,000 home will appreciate by $120,765 over the SAME five year period!

 So in addition to the $100,000 upfront, your gain over time is higher too. because the $300,000 home has earned an additional $40,255 in appreciation!

My name is Steve Maletos. I'm 28 years old and live in Montville, New Jersey. I bought and sold 15 foreclosures last year for 65 - 75% of what they were worth. Then I resold them and made over $250,000 in profits. And I did all it using the same methods you're about to learn. To prove it, here are some recent closing checks.

Since he tied up these properties at such deep discounts, their built in equity far exceeded $5,000, so the buyers were delighted with this arrangement.

The Street Smart Secrets To Capitalizing On
Foreclosures And Distressed Properties

That's one reason Phillip approached me. And it's the main reason I decided to spell out my secrets in a new crash course entitled:

"Fast Cash In Foreclosures: the complete guide to buying your dream home for 65 - 75 cents on the dollar, borrowing 100% of the purchase, and even financing your renovations!

In this course, I've painstakingly spelled out each and every step of my foreclosure buying system. And because it's so new, and I'm eager to generate more testimonials for this Web page, I'm offering it to you risk-free for the next 12 months.

And if you order by , I'll make this deal better than you could wish for: I'll include $1,458 worth of bonuses. But first, take a look at what you'll learn:

	How to find hidden properties that no one else is competing for - so the sellers are forced to negotiate.
	How to determine which brokers specialize in bank-owned foreclosures, and how to befriend them and become an insider.
	How to get first dibs on tomorrow's wholesale properties before they appear in the MLS or any paid listing service - then tie up the purchase rights for 65 - 75 cents on the dollar! And it doesn't cost you anything.
	How to find distressed properties that haven't yet received foreclosure notices. for example, divorces, probates, and abandoned properties. These homes aren't listed on any of the foreclosure listing services, or even at the county courthouse. So none of your competitors know about them!
	How much to offer on properties that haven't been priced yet, and when it's better to walk away.
	Which sellers give you a 3-day escape clause (once your offer is accepted), and which ones don't.
	How to accurately calculate the renovation costs, upfront, so you don't wind up backing out of the deal and losing your down payment.
	How to accurately calculate a property's market value (after renovations) without hiring an appraiser. Suppose that you make several offers on distressed properties before one is accepted. This formula alone will save you the $250 - $350 appraiser's fee each time you make an offer. It guarantees you a 30-50% profit on every property, and it protects you from losing money because you misjudged a property's value.

Here are a few of the Properties I have Recently 'Flipped'. 
click thumbs to view larger picture

1050 Grove Street, Irving, NJ Purchased: $75,000 Sold: $160,000 192 Lincoln Ave Orange, NJ Purchased: $64,000 Sold: $167,000 133 Fairmont Ave Newark, NJ Purchased: $12,000 Sold $150,000   163 Osborne Newark, NJ Purchased: $75,500 Sold: $180,000 38 Clifford St. East Orange, NJ Purchased: $68,000 Sold: $164,000

199 N. 6th Street Newark, NJ Purchased: $35,000 Sold: $173,500   165 N. 18th St East Orange, NJ Purchased: $65,000 Sold: $160,000 253 Amherst St East Orange, NJ Purchased: $67,000 Sold: $147,000   17 Nassau Place East Orange, NJ Purchased: $54,000 Sold: $171,000   72-74 Chester Ave Irvington, NJ Purchased: $55,000 Sold: $160,000

Banks Usually Take 60 Days To Fund Loans -
But Distressed Sellers Can't Wait That Long

Here's a problem the foreclosure listing services never mention. Folks on the verge of foreclosure can't wait 60+ days for your loan to close. So no seller (or REO broker) is going to accept your offer unless you're buying "all cash". And even if you find a true bargain, if you're counting on a conventional bank loan, you're bound to lose the deal.

Now here's the good news: I'll show you how to buy "all cash" with money from specialized lenders or private investors. The property you're buying is the only collateral they need - so your credit history doesn't matter. This is how I buy all of my properties. To prove it, here's a letter from one of my private investors, Mr. Jitu Tolia.

Found A Really Hot Foreclosure Deal?
Conventional Banks Will Reject It!

Here's another problem. Although many foreclosures are in "move in" condition, these homes are discounted to just 85 or 90% of their value. The best deals - homes that you can buy for 65 to 75 cents on the dollar - usually need cosmetic makeovers (a new boiler or kitchen, new windows or bathrooms, and/or minor plumbing or electrical upgrades).

I'll show you how to buy both types of homes. If you're like me and you go for the second category (a home that needs work), I'll show you how to upgrade it in a matter of weeks. Unfortunately, conventional banks won't provide mortgages on these homes until they've been renovated. So the ONLY way to buy them is with money from specialized lenders or private investors.

How To Buy With No Money Down

Here's one final advantage of borrowing from specialized lenders or private investors. On a short-term basis, specialized lenders and private investors will provide 100% of your purchase price - plus the amount needed for renovations! That's how I finance the purchases and renovations of every home I buy. To prove it, here's a letter from my attorney, Jonathan Mehl, P.C.

Once you've renovated your new home to the satisfaction of any conventional bank, you can refinance based on its full market value, and pay off the specialized lender or private investor.

To use our earlier example, let's suppose you tie up a $300,000 home for $200,000. You borrow the entire $200,000 from a specialized lender - plus an extra $20,000 for renovations. A month later, your home is appraised for $300,000. You borrow 75% from a regular bank (that's $225,000) and pay off the specialized lender.

By now, you're probably eager to learn my secrets. Well I'm eager too. You see, because I've never offered my course publicly, I'm eager to generate testimonials for this Web page. (To further boost my credibility.) So if you order by , I'm offering you this special package of five bonuses, at no additional charge:

Super Bonus #1:
Magnetic Lead-Generating Letters (A $300 Value)

Here are the same five letters I use to get first dibs on a never-ending stream of distressed properties. Mail out just 50 letters and get a dozen phone calls from divorce attorneys, probate attorneys, trustees, couples in divorce, and owners of abandoned homes. (You'll learn a simple, fast method to finding their names and addresses, for free, on pages 61 and 65 of my course.)

Super Bonus #2:
Magnetic Classified Ads (A $100 Value)

These are the same proven ads I use to get non-stop phone calls from (1) owners of distressed properties who are desperate to sell, and (2) private investors who will loan you money for a respectable yield, and write you checks instantly, with no upfront loan fees. You can click here to read a letter from Mr. Jitu Tolia, one of my private investors.

Super Bonus #3:
My Black Book Of Fast-Funding Lenders (A $199 Value)

For these niche lenders, the property you're buying is the only collateral you need. So regardless of your credit history, they'll loan you money, and they'll do it exceptionally fast. So you can offer "all cash" on every property. Without this resource, you'll be at the mercy of slow, conventional banks. And you'll lose out on all of the best deals, because the sellers won't wait for your loans to close!

Super Bonus #4:
My Black Book Of REO Brokers (A $159 Value) 

These real estate brokers span all 50 states and specialize in REO and bank-owned properties. On pages 55-58 of my course, you'll learn how to befriend them and become an "insider". Why is this so valuable? These REO properties must be appraised before they're priced and listed (and this takes a few weeks). As an insider, you can get the addresses of these not-yet-priced properties, and tie up the hottest deals before the public ever hears about them.

Super Bonus #5:
Legal Forms Already Slanted In Your Favor ($700 Value)

These are the same forms I guided my lawyer to create. (They cost me $700 in legal fees). Unlike the "standard" forms at office supplies and stationary stores, these forms are shrewdly slanted in your favor. And even if you found a lawyer with the real estate experience mine has, and wanted to pay him $700, I wouldn't be there to guide him in using my carefully crafted clauses. Here's what you'll get:

	"Purchase contract". Gives you the right to back out for any reason (without penalty), and show the property to contractors before you close. So if you miscalculated the renovation costs, you can find out before it's too late.
	"Authorization to release mortgage information". Makes the seller's lender tell you exactly how much the seller owes, so you always know true profit potential of a property; you never have to take his word for it.
	"Contractor agreement". ". Protects you from getting screwed by your contractor! Spells out a payment schedule and ensures that he sticks to your deadline; otherwise he must deduct $100 per day from your balance.

As you can see, these bonuses are extremely valuable; that's why I won't give them away free forever. I'm doing it briefly, just to generate more testimonials for this Web page.

Remember, I've personally used this foreclosure buying system to buy dozens of homes, ranging from probates to pre-foreclosures to bank-owned properties. And in every case, no matter what the circumstances, I always buy them at 65 - 75 cents on the dollar. So I know it's foolproof - and it'll save you months of hard knocks. On this basis, I've priced my course at only $104 for my downloadable electronic version. However.

Since I've just begun offering it publicly, and I'm eager to generate more testimonials (to further boost my credibility), I'm making you this unheard-of offer:

You Must Complete Your First High-Profit Deal In 30-90 Days,
Or My Secrets And $1,458 In Bonuses Are Free!

What could be more fair? You must achieve the result I've promised within 6 months, or I'll eat the balance of your purchase price!

Imagine Yourself Living In Your Dream Home -
A Bigger Home In A Better Neighborhood

Just imagine yourself six months from today... living in your dream home. Unlike most new homeowners, you already have tens of thousands of dollars in equity. And since your home is worth more, you have the satisfaction of knowing that it'll appreciate faster too. But the best part is.

Your friends and family are constantly impressed by the deal you got. and quietly jealous when they discover how little you paid for it!

Friend, why limit yourself to the foreclosure listing services, when you can be an insider with an unfair advantage?

Why spin your wheels making offers on foreclosures that normal banks won't finance - and have your offers rejected, or worse, lose a deal (and your down payment) after you've signed a contract?

Why compete with the thousands of other people who use the online services - and repeatedly lose out on the best deals - when my magnetic ads and letters will make your phone ring off the hook with desperate sellers? (Sellers whose homes aren't listed by the online services, or even at the county courthouse.)

Here are two ways to order now:

		$104.00 For My Downloadable Electronic Version.
		Click here to grab your package right now with our Secure Server Click here to print out an order form to mail or fax your order to 973-673-1908 for prompt 5-business day delivery.

If you're feeling a strong inner pull that says "Do this!", then trust your instincts, order now, and grab your $1,458 worth of bonuses before it's too late. You'll instantly own the smarts, tools, and resources I've spent years developing - so you can rapidly locate and buy your dream home at 65 - 75% of its value. And you can buy it with no money down. And with my lifetime risk-free guarantee, you can only come out ahead.

Sincerely,



Steve Maletos

General Manager, Fast Cash In Foreclosures LLC

Copyright 2001, Fast Cash in Foreclosures. All Rights Reserved.