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Do Real Estate Laws Affect Home Loan Modification?

Every jurisdiction has a body of laws that governs all aspects of real estate, and Arizona is no different. Its real estate laws, rules and regulations have been in place for decades, and given the number of home loan modifications in Arizona that are being sought, many are wondering how or if these laws apply to that desire.

Below is a brief overview of how the real estate laws in Arizona affect home loan modification, but if you’d like to obtain individual answers to your questions as they pertain specifically to your situation, contact the attorneys at Phillips & Associates today to schedule an initial consultation.

In general, real estate law is governed by the law of contracts, as these transactions tend to be executed in accordance with those standards. A few examples appear below:

Short sale – The short sale is becoming more prevalent these days given the number of mortgages that are in or near default. If a mortgage goes unpaid, the lender has the right to foreclose on the property and retake it. However, this is not seen as a positive option by the lender most times, as that means they’ll need to sell off the property, often at a loss. A short sale is an agreement between the lender and borrower that allows the borrower to pay less than the full amount owed in a lump sum and have the rest forgiven. This is usually only possible if the borrower sells the property for less than the loan amount. When this happens, there could be issues with property taxes in the near future, and you may need those questions answered before making a tax mistake.
Sale timeframe on a foreclosure – If a lender retakes a property and evicts the borrowers, that lender has the right to sell that property via auction. However, specific notice and time rules must be followed, and until such time as the auction occurs, only the borrower and/or junior lien holder can pay off the delinquent amount and remove the home from foreclosure. Any transaction that does not fall within this legally required timeframe could be voided if challenged.

Information Product Creation: Never Compete on Price Because There Is Only One You

Information product creation requires extensive preparation, no matter which niche you work within and you want to make sure that your information product has a successful launch. That probably sounds scary and intimidating but here’s the thing: this is a one time effort and it will pay off in a foundation that is strong enough to get your ideal clients to invest in your high-end programs and services without the perils of a traditional funnel. This article will teach you a few of the things that you need to remember if you’d like to invest in yourself and start on the information product creation path using your unique talents and abilities. Remember that you never have to worry about anyone ripping off your ideas because if you understand how to properly position yourself around your story.

Understand Both Strengths and Weaknesses: It is good to have an impartial view of your own strengths and weaknesses when lay the foundation of selling yourself within the information product creation process. It helps you figure out where you are, what you lack and how to move forward so that you get as much growth as possible. It is more than important, it is urgent if you want to create fast success for yourself to have personal positive reinforcement and deep belief to provide yourself the support you need so that you can get over your own limitations to ensure that your information product is as valuable as it can be.

You also need to know exactly who your competition is so you can study them and use their methods to help you improve your own standings. Down recreate the wheel, but understand the wheel and position yourself going uphill from the competition. Check out which kinds of opportunities you’ve already got and try to figure out how best to use them while taking care to remember your strengths and weaknesses. This is a great way to figure out where you stand against your competition which helps you figure out how best to grow.

Launch on Time: No matter what, even if you haven’t officially announced your “launch date” you should launch the site when you’ve said you would. This will force you to stick to your goal and actually work on it. Thinking that “I’ll launch it when I think it’s ready to launch” will only hinder your efforts. You’ve got a responsibility that you need to live up to with your launch, and you can’t move back on that one. If you get close to your launch date and you are getting hung up on your self limiting beliefs in your information product creation, don’t worry this about getting it out there and not perfection. As long as it is usable you should launch it. Launching on time is the professional thing to do and it is more important than creating a “wow” effect in your site visitors. You can always update/upgrade your website when you have to, so there shouldn’t be any issue with that.

Analyze Your Own Concept: If you want to make your information product creation successful you need to understand how good your concept is: is it really going to work for your chosen audience or would something else be better? You already know about your competition; how does your concept measure up? If you haven’t come up with your own idea and are trying to work with someone else’s concept, do some more work on your own before your launch. People want original ideas because they’ve seen too many other me-too websites already.

Test Your Concept Before You Commit To The Information Product Creation Process: One of the biggest failures people have with information product creation is not testing an idea before putting a lot of effort into producing an information product. PPC to a small 5 page site with a landing page is a great way to test an offer before you even produce it. If people will sign up to get it, you can be sure that you can create an information product that will target eliminating the pain of your target market. The small amount of money will be invaluable in using crowd sourcing to direct the final outline of the information product creation process.

You’ll have lots of hurdles to clear after the launch of your information product and the only way to truly take care of them is to follow the advice in this article to work smarter. Plenty of people work hard, but it is the ones who work smarter who make real money online with the information product creation business model.

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Find a Home Based Business That Works For You – Set Yourself Free

In these times of economic turmoil, more and more people are looking for ways to take control of their own future. With thousands and thousands of people losing their jobs, we’re confronted with the harsh reality that “job security” is a nice idea, but really doesn’t exist. If we’re truly going to be financially sound and secure it will be because we created that security for ourselves. It will be because we took charge of our present and future circumstances, and created the lives that we know we deserve. More and more people are taking this challenge on every day – and winning. The home based business industry, and specifically the online home based business industry, is the fastest growing on the planet right now, and for good reason. There is no better way to leverage time and effort, tapping into the largest market place in the world and using automated systems to generate income. While there are many scams and sketchy get-rich-quick opportunities out there, it is very possible to find a home based business that works. You just have to know where to look, and what to do. This article will help you understand how to find a home based business that works, and set yourself free once and for all.Find a Home Based Business That Works – Create your visionIt’s been said that you can’t hit a target that you can’t see. If you’re going to find a home based business that works for you and your family, you need to know what your perfect business looks like. Do you want to be running home or hotel meetings? Do you want to be sharing quality products with your friends and family? Or are you looking for something that’s more automated, leveraging the power of the internet to work for you 24/7 while you do other things? Really get specific about the look and feel of your perfect scenario before you start trying to find a home based business that works for you.Find a Home Based Business That Works – Start DiggingThere are literally thousands of people and business opportunities out there, so the truth is that you can find your ideal opportunity. You can literally seek out a home based business that works for you, and find a product/company/mentor that you know you can stand behind, and more importantly, that will stand behind you. Use Google to learn more about a given business opportunity. Read articles (you’re clearly on the right track already). Get your hands on all the information you can by opting in to some web pages that will give you free access to more of their material (video presentations, etc.). Get your questions answered.Find a Home Based Business That Works – Do Some InterviewsSuccess in this industry often comes down to the people that you’re working with, who are showing you the pathway. So be sure that you get along with them. Find people you like, trust, and respect. Most importantly, be sure that they have a vested interest in your long term success. Is the compensation structure set up to have them benefit from your first 2 sales and then leave you on your own? Or are they genuinely interested in helping you find success along the way, because it will mean you’re both more successful?Setting yourself free is more possible now than ever before. Home based businesses offer some amazing benefits, both in terms of finances (unlimited income, automated income, residual income, tax benefits, etc.) and lifestyle (time freedom, work from home, work anywhere in the world, work with people you like, etc.). Find a home based business that works for you, and set yourself free today. There is not another moment to waste.

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