The Subject To Process

Yes, You Can Sell Your Home In 7 Days!! Trying to sell your home can be a Nightmare! But after reading this Special Report, you may very well have a qualified buyer within 7 days. Just who is that buyer? KaPer Properties. While we can’t promise to buy your home during the next week, we can tell you we’re constantly looking for and buying nice homes like yours from other folks in this area. Is This You? People who’ve never tried to sell a home themselves just don’t seem to be aware of all that’s involved: The details, the time, the waiting, ads that never seem to make the phone ring, strangers walking through your bedroom, strangers who feel obligated to pick apart the most trivial features of your interior decorating. Two-faced people, who will smile, nod and act serious, but never call back. It can be a much bigger hassle than you ever thought possible in fact, it can easily turn into your worst nightmare! Like I said, I am a property investor who also has a Realtor’s license. I buy and sell real estate as a personal investment, so I know what homeowners go through when they try to sell their home. You may still be in the thinking about it stage. Maybe you’ve tried listing your house with an agent maybe you haven’t decided you’re ready to go that route yet. While it can’t hurt to list with a Real Estate agent or Broker, by the same token do they ever seem to have the same feel for your home as you do? After all, if you had a computer sitting in your office loaded with hundreds of nice, beautiful houses of all shapes, sizes, and price ranges what kind of real selling would you actually do? Would you really go all out and work on selling one particular customer’s house? Or would you pick out a selection of several houses for your prospective buyers, hoping to sell them on one any one, it really doesn’t matter which one they buy, just so that you make a sale. Come on you’d go with the numbers. After all, you don’t have any personal liability to the seller if his house sits an extra month, two months, six months or even longer. But you’re not that Realtor. You’re a homeowner and you have a house that you need to sell. That’s why more and more folks have gone the For Sale by Owner route. You buy your sign, you place your ad, and you show your home. Maybe you even pay a no frills company to list your house on the MLS. Then, you wait. You call back the lookers and leave messages on their answering machines. Maybe you actually get a live one, and write up an agreement. Several weeks pass. You start thinking something’s going wrong. Financing? But it’s supposed to be the buyers’ job to get a loan, not yours. Right? Can you tell I’ve been there? Right back to square one, with a beautiful house, priced right, and not a clue on how to make it go away. And, you’re looking down the barrel of a deadline to move. Sometimes your reasons to sell aren’t so good at all bankruptcy, divorce, foreclosure. Thinking about selling can quickly become wanting to sell and it’s amazing how fast want to can become have to. Whatever the reason, it puts you in a pickle. Game Plan What if we were sitting at your dining room table right now, and we told you we wanted to buy your house? We don’t know how much you owe, how much it’s worth, or any of that. Those details can be handled when we are at your table. What we do know and what you should know, is If you call us at 248-813-8588 and give us the facts, we’ll either tell you on the spot we can’t help, or come out to your house and give you one or more offers. We buy and sell property. As I said, we are investors, not just realtors. With your property, we’ll probably structure several options, and let you choose the one that best suits your needs. We like to give you choices. The purchase price will be sufficient, we guarantee it. We will immediately take the financial burden of any monthly mortgage payments off your back, and we’ll also take care of any fix-ups and maintenance. What’s more, we’ll close when you’re ready. You see, we’ve found we can make a profit on homes that even real estate agents have passed up because we personally handle the whole process. When we agree with you to purchase your property we take it seriously we treat your house like it’s our own. Your situation literally becomes our own. And, frankly, we don’t know how to make it work any other way. You can get on with your life! Look, like we said earlier, people sell homes for various reasons. Maybe it’s a new job that requires a move, and you don’t want to or can’t carry double house payments. Maybe it’s a company downsizing that creates the problem. It could be bankruptcy or foreclosure or maybe you won the lottery. Perhaps you want to build you’re tired of the same old neighborhood you need something bigger or something smaller. It could be a death or a divorce or marriage or birth. Whether you’re moving across town or across the US, to a new home or to an apartment, you’ve got other things to be concerned with. We’ll take care of your home. Whatever the reason, if that house has become a burden for you, we can help you put it behind you, so you can get on with the business of living your life. Granted we don’t know your particular reasons for selling, but we do know how to get your house closed as quickly, and as professionally as possible. In fact Here’s the game plan to sell your house quickly Buying you house subject to your existing mortgage(s) means that we become responsible for your mortgage payments, taxes, insurance, maintenance and utilities. We are the new owners of the home. We will then find a tenant/buyer for your house. This is a person who wants to buy your home but because of their circumstances cannot get a mortgage at this time. We will work with them to repair their credit, help them to build their down payment and get financed to purchase the home. When they are able to get their mortgage, they will be getting the home re-financed in their name. This is when your mortgage will be paid off and taken out of your name. The Subject To Process Usually we begin with a phone call to find out some preliminary information concerning the property, desirability of the home, mortgage information and seller timing and motivation. At that point we decide if your home is one that we are interested in. We will tell you on the phone whether or not we are interested. If we are interested, we will set up a meeting to see your home. In preparation for this meeting, we usually have performed a competitive market analysis to determine the approximate value of the home. While we are in the home, you can show us any repairs or cosmetic improvements that need attending to. If we agree on a purchase price, then we will proceed to sign the appropriate paperwork which will include a Purchase & Sales Agreement, Disclosure Statements, Notices to both the lender(s) and insurance companies. We will also set a date for possession of the home. After this meeting, we verify your mortgage information, conduct a home inspection and run a title search to be sure that there are no encumbrances that would cloud the title when we next meet. This search takes 5 7 days, but provides us both with the certainty of the ownership, status of the liens (mortgages and promissory notes), and gives us the exact legal description for creating the Warranty Deed. If everything is satisfactory, we will set up the closing date with our title company. The Warranty Deed and Power of Attorney require notarization and this is taken care of by our Title Company at closing. This can be done by mail if you are ready to move now. The entire process from start to finish takes anywhere from 10 days to three weeks providing there are no unforeseen title problems. At our last meeting, when we sign all the forms, you will give us the keys and garage door openers. It is at this point that we take over all responsibility for the home and will have the utilities switched to our name. We recognize the pride that you have in your home and we always appreciate your housekeeping efforts when you move out. Now, depending on the agreed upon purchase price, we may owe you money or you may owe us money. If we owe you money, we may pay all cash at closing. If not, we may work out monthly payments for a period of time or agree to pay you in full when we sell the house. Whichever way you go you get immediate relief from your monthly obligation to the mortgage company. Please don’t misunderstand or assume that we have to steal your home, or that you need a lot of equity for us to be interested. We’ve worked with all kinds of circumstances and have been thoroughly trained to create solutions after so-called experts have given up and quit. If your house is in a declining market or you have no equity or owe more than what your house is worth, you may have to make a payment to us. Again, we are very flexible. If you are able to, we may ask for the money at close. If this is not possible, we will work out a payment plan with you. But again, you get immediate relief from your monthly obligation to the mortgage company. If you sell your house through a realtor and find that your net proceeds are less than what you owe the bank after paying commissions and closing costs, you would be expected to bring cash to close. If you were not able to do this, the sale would fall through. With us, we can offer you alternatives and payment plans to suit your budget so you can sell now and be done with the burden of that monthly payment to the mortgage company. We are very flexible and easy to work with. Unlike working as a Realtor, we are investors. We agree to make your mortgage payments while we find a buyer for the home. So if it sits empty, we make those payments. Also unlike a Realtor, there is no listing agreement and no 6% selling commission. Now add in the typical 3-6 month period that it will take to find the buyer and have them get qualified and finally close on the home and you’ve just made monthly payments on Principal, Interest, Taxes, Insurance, Utilities, Maintenance and Repairs for many more months. Remember that if you get a buyer today, it typically takes 45-60 days for them to get financing. Guess who would pay for your home during that period? You would!!. That’s 2 more payments you would have to make, and that’s if you had a buyer today. What if it takes 6 months? One of the main benefits we can offer is Peace of Mind. Sometimes the hardest aspect of having to move is actually having your home up for sale and your life in limbo. You’ve heard the saying Sometimes the not-knowing is the hardest part! When you approve the paperwork with us, you will know that your payments and home are taken care of so you can start over and have that peace of mind. The best part is, your loan doesn’t even have to be assumable for this to work! Our program works, regardless of the type of loan assumable, non-assumable, assumable with qualifying, FHA, VA, Conventional. We take care of your monthly payments, take on all responsibility for the maintenance and upkeep of your property, and liquidate your asset, before it becomes a liability! Now seriously, does it get better than that? As we stated before, our program can work in any situation. Benefits to Sellers For you the Seller we thought that we should summarize the benefits of this program. Maybe not all these points apply to you, but most should: Ø Rapid, flexible sale of your home You select the date that you want to move out. We can complete our transaction in 7 - 21 days! Ø Certainty of Sale Avoid the disappointment of ‘selling’ you home, waiting 45 days for the buyer to qualify and then finding out the deal fell through for any number of reasons. Then the process starts all over again, but the pressure is really on you now. Ø Avoid Sales Commissions No need to pay a Realtor the typical 6% fee. Ø You Get Quick Relief from Mortgage Payments Compare that with a Home Listing that can go on forever!! Ø Eliminate a Listing Agreement We provide a Sales and Purchase Agreement; remember we are BUYING your home. Ø Eliminate Time Consuming House Showings You won’t have to show your home anymore. On the average, we show your home less than 4 times, nearly always after you’ve moved out. We find qualified, motivated tenant/buyers. Ø Need more reasons just read on. Not everyone wants to know all the details of how we work, but just in case you’re interested, we’ll tell you exactly what we do. Benefits to Buyers Yes, you are the Sellers, but just in case you wanted to know why our program is so successful, we’re including the benefits for Tenant/Buyers. Ø Build up equity in the home of their choice while they improve their credit rating. Ø Gives them more time to build up their base income. Ø Allows them to acquire a home in an area that will surely have price appreciation. Ø Gives them the ability to fix the price of their future home and avoid price inflation. Ø Helps them get a better mortgage in 12-24 months than the one that they qualify for now. Ø By giving monthly rent credits, we help to build their down payment. These are a few of the benefits for home buyers who want their home now, but know that their financial profile will be much better in the near future. KaPer Properties lets these people make payments on a fine home and then when they have improved their equity, credit or financial profile, they can qualify for the type of mortgage that they want. This makes it much simpler for nearly 40% of the people who have trouble qualifying for Class A mortgages. You will probably not hear from us for sometime after we take possession of your home. We transfer the utilities and notify the insurance company and lenders. When our tenant/buyer exercises their option, we pay off your mortgage (using the Power of Attorney documents) and notify you that your mortgage has been satisfied. But What About . . . We’re sure that you have questions. At the end of this report is a list of Frequently Asked Questions. But remember, buying homes subject to the existing mortgage is only one of many tools in our arsenal. There are other methods that we use to purchase homes as well. There’s just no way in a single Report we could possibly answer every question and cover every possible offer we could make on a home. Consider this an overview. If it strikes a nerve, if you find you’re in a position with your home that doesn’t seem to be going anywhere, one where you think we could possibly provide a solution, call us today. Our phone number is printed at the end of the Report. If by chance we can’t do business, that’s OK. But we honestly believe you’ll be pleasantly surprised when you call We specialize in solutions! By calling, you give us the chance to be your solution. We urge you to let us try. What do we do now? We know that this is a lot of information to digest at one time, but if you’re still with us at this point, chances are you’re interested in doing whatever it takes to GET YOUR HOME SOLD QUICKLY! If you’re ready to act now or have some immediate questions, you don’t wait for us to call contact us right away at 248-813-8588 If you want an alternative to the stale, conventional ways of selling your home, pick up the phone and call us now! You have everything to gain and nothing to lose! As we said before, if we can’t do business, that’s OK. We buy lots of homes and we don’t have to have this home. We get calls from tenant/buyers every day and we’re always looking for homes for them. Homes just like yours. Just remember that we don’t want to list your home, we want to buy it. We specialize in buying homes quickly. We urge you to let us try. You have nothing to lose. Finally We don’t know how many months you’ve been trying to sell your home (or thinking about selling) but every month you wait is costing you unnecessary expenses eating up the precious income you work so hard to earn. Your home is an asset sell it as an asset. Don’t let it become a liability, a burden, and the proverbial monkey on your back. Even a Dream Home can become a Financial Nightmare. There’s a real good chance that we can help call us today! The phone call will give your more answers. Answers that you need. Don’t procrastinate call us today!! Our office number is 248-813-8588. KaPer Properties, Inc. Just who is Kaper Properties and what do they do. First let me tell you a little bit about myself Kathy Persha, President and Owner of KaPer Properties. About fifteen years ago, my husband and I started investing in real estate as a hobby. But in 2004 I decided to make it a full time business and started KaPer Properties. When I started KaPer Properties, I wasn’t a Realtor. But then I realized that perhaps becoming licensed by the State of Michigan might have some value. No, I’m not proposing that I list your home, or have you sign some kind of agency agreement. I just want you to know that I took the classes and passed the tests so that I could obtain as much knowledge as possible. My involvement with you and your property is for my own investment portfolio not the score-sheet of a Broker. My background includes being an executive for a local computer software company, owner of an office building and a businesswoman in Troy. I have a license to assist in the sale of real estate. So if listing your house is what you would prefer, I can do that also. Frequently Asked Questions