The Benefits Of Buying A Home In Pre Foreclosure

By Jilly Willson

Property in pre foreclosure are a great opportunity for real estate property investors Pre foreclosure homes typically have very motivated buyers which make for extremely profitable transactions Because owners of pre foreclosure properties are facing financial challenges, they are often ready to accept almost any offer. This fact often points to a huge ROI for the real estate investor The only big challenge when buying a pre foreclosure property is getting the bank to come to the table instead of letting the property go through foreclosure and up for auction.

Because the bank stands to lose money either way, they will be motivated by the deal that will best minimize their losses.Essentially they are in a lose lose situation and will evaluate sales offers based upon what will minimize their losses. If a property owner has put the property into pre foreclosure by not paying on the mortgage, it is still up to the buyer to demonstrate that by allowing the sale to go through, the bank will minimize their losses.

A result of this fact, real estate investors often assemble complete packages to plead their case to the bank. They meet with loss mitigation offers and have a detailed understanding of what paperwork and proof is necessary to push the deal through.

Many investors find mentors to help them get started when buying pre foreclosures Although not wholly necessary, recruiting a mentor does have some obvious benefits

Depending on your investment goals and the state of your local real estate market, investing in homes in pre foreclosure can be a great way to get a good property at a fantastic price. Just know that there are a number of little details that will determine your overall level of success.

Depending on your investment goals, there is no end to the number of investing resources available to you. It is just up to you to get started. - 31862

About the Author:

Chief Factors to Consider for First Time House Buyers

By Jason Myers

Purchasing a house especially a big one, is a big deal as there are various factors to consider. Of course these are too many to enlist them all down, but there are the main ones that need to be considered every time you are buying a house.

The assumption is that not everybody can afford to invest on a property, and for those with resources, they must take note of the following factors.

First is the location of the property. There are good neighborhood prospects that can satisfy your set of criteria, and you need to isolate the very one that you like. Your place of work matters and you must note that when scouting for your house for proximity and convenience.

You must realize that the good kind of neighbourhoods that are usually listed come with a high price so you do need to budget a little extra if you are sure that the neighborhood or suburbia where you relocate is is a good cluster. If it is in the growing phase and has the probability of becoming a popular place in the near future, you are in for a bargain, but that all depends on the expertise level of your real estate agent and how good his negotiation skills are.

Good decision making is important when buying a home. That is because if you fail to respond right away, you run the risk of losing your prospective house to other buyers. This is where instinct is allowed to play its full course. That is if you have a really good feeling about a house, it could be a good idea to just acquire it right away so that if you don't like it, you can always resell, usually at a better improved in position. - 31862

About the Author:

Of Real Estate Agents and Why Hiring One is the Smartest Thing to Do

By Jason Myers

There will always be that time when you feel like you want to move on to a larger house in preparation for the kids, and so you need to sell your current one and buy a new one. Unfortunately it is much more complicated than that as the two methods require an in-depth understanding on the real estate market as it is one filled with market complications that a normal person cannot be able to comprehend. However if you hire a realtor to demystify everything for you and help you get through the marketing and the purchasing part without too much trouble.

But you might be required to inquire why you need to get the services of a realtor. For starters, they do almost all the task. To further discuss that, they are the individuals that go out looking for the homes and the neighborhoods that you have described.

So if they come across a house that they think might be okay for you, they will let you know for some self-survey. That in the totality of the process is a time saver. The time saving spreads to the finding a seller part if you are selling your house. They deal with all the annoying people that like seeing but with no intention of making any acquisitions.

Realtors will save you money, when purchasing a home and get it for you when selling one.

Being in the real estate industry, they understand the seasons of the year when the forces of demand and supply will dispose you to getting the greatest price when buying your dream house. In addition they transact with all the formalities and all purchase agreements. They also deal with all the legality, so you are left relaxed in the end. As you can imagine, experiencing the whole process on your own is a nightmare. - 31862

About the Author:

Some Tips In Dealing With Foreclosure

By Jason Myers

Foreclosure is well known which may require no elaboration. What's unclear though is the right approach to be taken when faced with the first notice of foreclosure. The thing with financial matters is that you cannot wish money from your bank, or expect an immediate financial breakthrough. So you must have to think critically and analyze your plan before making an action.

Foremost, what you have to realize is that your lender has no interest in your property and the foreclosure notices you are getting are because said lender wants to protect their financial good. Even if your lender subjects your house to repossession, he will dump it at some auction along with listings to several directories.

You can leverage this to work your favor. Knowing that the lender is not keen in your house or your piece of property, you should request your loan provider to extend the foreclosure by the amount of time you need. If you can lay out a sound plan for your lender, one that is acceptable and favorable to both parties, your request for extention might be granted.

If you fail to make an arrangement, you can lean towards the option of refinancing your mortgage. Certainly it may not work well with your credit score, but somehow it will get you a permanent roof over a house of your own.

If worst comes to worst and there is any financial hope, you can advertise a pre-foreclosure sale to get rid of the property so that the final foreclosing does not find you unprepared. Of course you will have to settle for a rate that is less than the current market value of the property since this is ther natural scenario in this kind of deal. Remember for that! - 31862

About the Author:

Pre Foreclosure Investing and Profits

By Jilly Willson

If you are thinking about beginning to invest in real estate, buying a pre foreclosure property is a great way to get started If you have the fortitude to go through the process, buying a pre foreclosure has numbers advantages over other types of investment properties When an owner of a potential investment property is in pre foreclosure, they are extremely motivated to sell, are often willing to take an extremely low offer just to be rid of the property. This fact often points to a huge ROI for the real estate investor The biggest hurdle in the deal is getting the bank to agree to the terms of the sale instead of forcing the home through the pre foreclosure process.

The lender that owns the note on a property facing pre foreclosure have a very different view on the opportunity.Essentially they are in a lose lose situation and will evaluate sales offers based upon what will minimize their losses. If a property owner has put the property into pre foreclosure by stopping mortgage payments, it is still up to the buyer to demonstrate that by allowing the sale to go through, the bank will minimize their losses.

A result of this fact, investors that purchase homes in pre foreclosure often put together full short sale packages to provide to the bank. They meet with loss mitigation offers and have a detailed understanding of what paperwork and proof is necessary to push the deal through.

Many investors find mentors to help them get started when buying pre foreclosures Although not wholly necessary, recruiting a mentor does have some obvious benefits

Depending on your goals, investing in pre foreclosure homes may be a great way to profit. Just know that there are a number of little details that will determine your overall level of success.

There are many other resources available to learn more about investing in short sales. BestShorSales.com is a learning service that I have found useful in the past - 31862

About the Author:

Finding All the Winning Qualities in Your Real Estate Agent

By Jason Myers

A real estate agent simplifies the whole process of purchasing a house by a considerable percentage. They deal with all the hassles of finding the kind of house that you need as they negotiate to find the right type of cost that would easily fit your money. That signifies that you will need to go searching for a realtor that will befit your kind of standard.

The primary step you can make is to trust family and friends to provide you a few hints from real estate agents they have worked with previously. That will at least provide you a basis before you go narrowing down to the particular realtor that you prefer. If you are not successful with this, you may always look for directories. If a real estate agent has been in the industry, he has a listing in any real estate agent listings that are available.

Next thing you need to have a look at are his qualifications. They must specify that he has had documented success and that he has the experience that is required to look for your dream home. He needs to have the bargaining trait so he can be able to encourage the seller to cut off as much dollars from the selling price as it is possible.

At this point you must also consider his fees and if it will be affordable. If you understand a thing or two about real estate, you may be adamant that he communicates with you what he intends to do to give you that home.

It always makes it easier when you establish a kind of friendship with the realtor instead of simply being business compatriots and always on a platform of seriousness. That way, your level of trust for them can upgrade to a comfortable level. - 31862

About the Author:

Proper Presentation Of Your House Counts When You Are Gathering All The Selling Points

By Jason Myers

Most people think that placing a "for sale" ad on their front lawn will immediately spark a group of sellers who will be concerned in acquiring the property.

But that type of thinking is badly mistaken.As much as you believe in the power of real estate, there are several things that you need to do to ensure that your home will sell without staying stagnant in the market.

The primary thing you need to do is to price it appropriately. if your home's selling cost looks overblown, many potential buyers will not provide it a second look let alone show a hint of interest in buying it. You must understand the periods of the year when homes are likely to sell the highest and take advantage of creating your sale advertisement then.

You additionally need to ensure that the interior design of the home has not been interfered with. When there is mess all over the place, it will make the whole surface area appear tiny, and this can turn off a potential buyer. Even as you are at it, ensure that all the electrical wiring is finished, the water pipes is working superbly and in other words, there is nothing wrong with the home regarding its looks or functionality. All the maintenance work must be done because this will make the value of your house rise higher.

Apparently speaking, your yard presentation also matters. When the grass is trimmed and properly kept, it will appeal to a purchaser to giving your house a second look. That is unlike an unkempt yard that will get the disapproval of would be buyers before setting foot in the home. To cut things short, preparing for the sale is a big deal and you need to ensure that you have all things in place so that your house will only be in the market for a couple of weeks. - 31862

About the Author:

Getting the Price Right for Success in Real Estate Sales

By Jason Myers

Real estate investing usually involves marketing at one time. This price setting is what will identify how fast the house will sell. But how do you get this cost correctly?

For most house sellers, procurement of the appropriate cost is based on how much they believe the house is worth. But as it has been determined with this process, the chances of getting it right are slim to none. Sure, the laws of probability asuures you a chance in getting it right by sheer approximation but that just about never occurs.

For the greatest deal, you are required to do a single thing, and that is a home check. You must get the services of a professional to make the cost estimate of the home and report to you with it. That will provide you the edge of pricing the house. These people are very accurate in their transactions and with all concerns being made, as with the current trends in the real estate market, they will offer you a nearly precise figure of just how much your house is valued inside and out.

There are a number of situations where you may not be happy with the figure, but you are more than welcome to make improvements that will elevate the amount to a bigger number that you can be contented with. You may invest in renovating the home, redoing the painting and replacing a thing or two, until you feel that the general cost has increased.

The second thing you can do is to wait until the house selling period comes around, but with the irregular financial turns, you would not be guaranteed of that actually occurring.

When marketing your home, you should not even think about competing with foreclosed homes because their costs are much lower and efforts to match them would only result in loss. - 31862

About the Author:

Pre Foreclosure Investing and Profits

By Jilly Willson

For the informed buyer, pre foreclosure homes can provide a lot of profit A home facing foreclosure contains the three elements that make for a very lucrative investment if the buyer has the wherewithal to close the deal. Because owners of pre foreclosure properties are facing financial challenges, they are often ready to accept almost any offer. All of this points to a huge upside for the property buyer. The biggest hurdle in the deal is getting the bank to agree to the terms of the sale instead of forcing the home through the pre foreclosure process.

The challenge when buying these types of property is that the bank often has a more negative view on the dealEssentially they are in a lose lose situation and will evaluate sales offers based upon what will minimize their losses. If a property owner has stopped paying on a mortgage and the bank has put the home in pre foreclosure, then the burden is on the real estate investor to demonstrate that their purchase offer provides the most effective means for the bank to minimize their loss on the deal.

A result of this fact, real estate investors often assemble complete packages to plead their case to the bank. They get to know the loss mitigation agent of the bank that owns the property, and learn what is needed by the bank to complete the transaction.

Although not wholly necessary, recruiting a mentor does have some obvious benefits

There are numerous factors that will determine your level of success. However, investing in pre foreclosure properties can be a great way to succeed in real estate Just keep in mind that there are a number of steps in the process that will need attention and focus.

Depending on your investment goals, there is no end to the number of investing resources available to you. It is just up to you to get started. - 31862

About the Author:

Of Real Estate Agents and Why Hiring One is the Smartest Thing to Do

By Jason Myers

There always comes that time when you feel like you want to transfer to a larger home in preparation for the children, and therefore you are required to market your present house and buy a new one. Unfortunately it is much more complicated than that as the two methods require an in-depth knowledge on the real estate market as it is one filled with market complexities that a normal individual cannot be able to understand. However if you hire a realtor to explain everything for you and assist you to get through the marketing and the buying part minus the hassles.

But you may be obliged to inquire why you need to get the services of a real estate agent. For beginners, they do majority of the task. To better discuss that, they are the people that go out looking for the homes and the neighborhoods that you have wished for.

Therefore if they encounter a home that they think might work for you, they will inform you for some self-survey. That in the totality of the process will save you time. The time saving spreads to the looking for a seller part if you are selling your house. They transact with all the annoying people that like seeing but with no plans of making any acquisitions.

Real Estate Agents will save you money, when purchasing a house and get it for you when selling one.

Being in the field, they understand the times of the year when the forces of demand and supply will allow you to getting the greatest costs when purchasing your dream house. Also they deal with all the formalities and all purchase agreements. They also go through all the legality, so you are left relaxed in the end. As you can imagine, experiencing the complete process on your own is a bad dream. - 31862

About the Author:

Make Foreclosure Investing Work For You

By Jerome Pennix

Real estate investing has always been a popular way to earn money in the United States, and so it continues today. You might be considering getting started in foreclosure investing, but you will need to understand what is involved very thoroughly in order to have the best chance of meeting with success with foreclosure investing. REO GoldMiner.com can help you take the guess work out of real estate investing, by allowing you to find properties and valuate them in seconds.

An early step that you should take in the process of finding out more about fix and flip real estate investing is to look at local area and state laws concerning the buying and selling of property in the area where you are planning to purchase property. In many, there are certain time constraints in which you must hold any house that you buy, and if it is an extended length of time, it may not fit or work to your advantage to use that property to flip. For questions about local and state laws, you will likely want to talk with an attorney who can answer your legal concerns knowledgeably.

If, after reviewing the laws that cover this area of fix and flip real estate investing, you wish to continue in this pursuit, the next process would be to find foreclosed properties. This is where REO GoldMiner.com can help you. As a member to REO GoldMiner.com, you can find distressed homes in your area and valuate them at the same time.

After you identify foreclosed homes, with REO GoldMiner.com, the next step is to determine how you will finance the home. One way to go about buying foreclosed properties is to pay for them yourself, and this is the easiest way if you have enough money on hand to make the purchase. Another way is to obtain a mortgage through a bank. As with any type of home loan, you will be given a better loan term the bigger your down payment can be, so part of your strategy may be to save up a big down payment before getting into foreclosure investing.

If the point of buying foreclosed homes is to see a return on your financial investment, then you will want to make any needed repairs as inexpensively as possible and turn around and sell the house as quickly as you can. Ways that investors try to make more of a profit is either with buying foreclosed homes that are in good shape so that little rehabilitation is needed and can be sold quickly, or selecting properties that are in poor shape because they can be purchased for a very low price, with the understanding that they will need to be repaired more extensively. - 31862

About the Author:

House's Sell Due To Tax Credit - REO's Lead The Way

By Jerome Pennix

Sales of existing U.S. homes surged a record 9.4 percent in September as Americans rushed to take advantage of a tax credit for first-time buyers before it expires next month. Purchases rose to a 5.57 million annual rate, more than forecast and the highest in more than two years, the National Association of Realtors said today in Washington.

InvestorCompsOnline.com has trained our members to take advantage of this "surge" by teaching them to accurately valuate property and keeping them informed on all the latest trends in the industry.

The September increase in combined sales of single-family houses and condominiums was the biggest since comparable records began in 1999. This is largely in part due to REO deals. The share of homes sold as foreclosures or otherwise distressed properties was 29 percent in September from 31 percent in August. REOGoldMiner.com has provided access to these deals for many of our InvestorCompsOnline.com members. At REOGoldMiner.com members can find and valuate these in demand distressed deals with the click of a button.

InvestorCompsOnline.com's research has shown sales of existing single-family homes increased 9.4 percent, the biggest increase since 1986, to an annual rate of 4.89 million. Sales of condominiums and cooperatives climbed 9.7 percent to a 680,000 rate.

Purchases of previously owned homes, which make up more than 90 percent of the market, are tabulated when sales close and therefore reflect contracts signed a month or two earlier. Sales of newly built residences, which make up the rest, are counted when a contract is signed, and may therefore cool months before the tax credit expires. Buyers must close before the Nov. 30 deadline to be eligible for the tax credit.

Many investors are hoping for an extension of the tax credit to continue this surge in the market as last month's sales were heavily dependent on the tax credit.

Many investors' groups are lobbying to extend the first-time homebuyers credit on concern demand will decrease after it ends. Many senators have tried to convince their colleagues to extend the credit through next June.

Whether the tax credit is extended or not, InvestorCompsOnline.com and REOGoldminer.com provide the tools needed for our members to continue to take advantage of this unique market. - 31862

About the Author:

House's Sell Due To Tax Credit - REO's Lead The Way

By Jerome Pennix

Existing home sales surged a record 9.4 percent in September as Americans hurried to take advantage of a tax credit for first-time buyers before it expires next month. Purchases rose to a 5.57 million annual rate, more than expected and the highest in at least two years, according to the National Association of Realtors.

InvestorCompsOnline.com continues to train our members to take advantage of this "surge" by training them to accurately valuate houses and keeping them informed on all the recent trends in the industry.

The September increase in combined sales of single-family homes and condominiums was the highest since comparable records began in 1999. This is mostly in part due to REO deals. The amount of homes sold as foreclosures or otherwise distressed homes was 29 percent in September from 31 percent in August. REOGoldMiner.com has provided access to these homes for many of the InvestorCompsOnline.com members. At REOGoldMiner.com members can find and valuate these in demand REO deals with a simple click of a mouse.

InvestorCompsOnline.com's research has shown sales of existing single-family homes increased 9.4 percent, the biggest increase since 1986, to an annual rate of 4.89 million. Sales of condominiums and cooperatives climbed 9.7 percent to a 680,000 rate.

Purchases of previously owned homes, which make up greater than 90 percent of the market, are tabulated after sales close and therefore reflect contracts signed a month or two earlier. Sales of newly built residences, which make up the rest, are counted when a contract is signed, and may therefore cool months prior to the tax credit expires. Buyers have to close before the Nov. 30 deadline to be eligible for the tax credit.

Many investors are praying for an extension of the tax credit to continue this increase in the market as last month's sales were largely dependent on the tax credit.

Many Realtors' groups are petitioning to extend the first-time homebuyers credit on concern desire will wane when it lapses. Many senators have begged their colleagues to extend the credit until next June.

Whether the tax credit is extended or ended in November, InvestorCompsOnline.com and REOGoldminer.com have the tools necessary for our members to continue to take advantage of this unique market. - 31862

About the Author:

Fighting Off Repossession and Walking Away the Winner

By Jason Myers

House owners are affected by foreclosure when their financial ends don't meet and it's unlucky when a family is forced to leave their home if they have been unable to honor the mortgage payments for sometime. However it does not constantly need to be the situation because with the right type of information, you can fight off repossession and come out the winner in the end.

The most understandable method, and the one used by majority of house owners that have come into a financial issue, is mortgage refinancing. This entails you getting a lower interest rate than you had initially applied for. But not everyone does this specifically those that wish their credit scores to be top rated all the way through.

If you foresee the risk of foreclosure in the future, it would help if you talked to your lender and disussed your situation. Keeping away from this does not help as the unavoidable always occurs and that is not the desired.

There is the idea of marketing your house to a sell and rent back company where you sell your house, and then rent it back until you are able to fully recover financially. The complexities are many, but it does bring an end to repossession and saves you money. However you do need to outsource a dependable company to do this with.

Sometimes, you could get the services of a solicitor to examine your mortgage plan. In the assessment procedure, you would be surprised that your mortgage lender made an error in working out the particulars. Although not always the case, when this happens, you usually have the upper hand and you are encouraged to work the situation to your advantage.

Repossession can be a taxing period for you, but you must never give up your home without putting up a fight. With the right tactics, you are better positioned to succeed. - 31862

About the Author:

Pre Foreclosure Investing

By Jilly Willson

Land in pre foreclosure provide a great opportunity for real estate property investors A home facing foreclosure contains the three elements that make for a very lucrative investment if the buyer has the wherewithal to close the deal. Because owners of pre foreclosure properties are facing financial challenges, they are often ready to accept almost any offer. This fact often points to a huge ROI for the real estate investor The only big challenge when buying a pre foreclosure property is getting the bank to come to the table instead of forcing the home through the pre foreclosure process.

The challenge when buying these types of property is that the bank often has a more negative outlook on the dealEssentially they are in a lose lose situation and will evaluate sales offers based upon what will minimize their losses. If a property owner has put the property into pre foreclosure by not paying on the mortgage, it is still up to the buyer to demonstrate that by allowing the sale to go through, the bank will minimize their losses.

Because of this fact, investors that purchase homes in pre foreclosure often put together full short sale packages to provide to the bank. They get to know the loss mitigation agent of the bank that owns the property, and have a detailed understanding of what paperwork and proof is necessary to push the deal through.

While this is not necessary for the periodic investor, it does have a visible benefit for the novice real estate investors.

There are numerous factors that will determine your level of success. However, investing in pre foreclosure properties can be a great way to succeed in real estate Just keep in mind that there are a number of steps in the process that will need attention and focus.

There are many other resources available to learn more about investing in short sales. BestShorSales.com is a learning service that I have found useful in the past - 31862

About the Author:

Investing In Short Sales

By Thierrie Anderson

Buying short sale dwellings may make today's investors a lot of money if they understand how to complete them properly. Investors familiar with short sales know the benefit of being able to buy a property at fire sale prices. For those investors with the patience and fortitude to buy a short sale property, the payoff may be immense.

With this in mind, how does one go about purchasing a short sale property? Initially, to define a short sale in real estate, it is just purchasing a property for less than is owed. For an investor the visible benefit of this type of investment property is understandable. Please keep in mind however, that the upside for the institution is low so there are a number of requirements that need to be met in order to complete a short sale. Because of this fact, dealing with a lender when buying a short sale requires a fair amount of work and patience.

While going through the short sale process, you must be aware of how each participant will act through the process Obviously the property owner is a big factor in the transaction and may be going through some financial turmoil which is leading to the need for a short sale. As the initial part of the due diligence process, be sure that the property owner is willing to go through the short sale process.

Be sure that you get the property owners approval, but you will need to contact the loss mitigation department of the institution in order to start the process. Because the lender is in business to make cash, you will need to make a compelling instance in order for them to agree to a short sale. Most lenders will only agree to short sales if the property is facing foreclosure or non-payment of the loan. With that in mind, the onus is on you to demonstrate that the deal is in the institution's best interest.

Now that you appreciate the motivations of the two players, buying a short sale is simply a matter of satisfying their two unique needs. To create a short sale package that you will use to plead your instance to the bank, work with the owner to craft a letter and substantiation that shows an inability to continue to pay the mortgage. Locate any and all areas of disrepair on the property and take pictures of them, and get an appraiser to come out and give an appraisal based upon the lowest marketable value of the home.

Now you only need to agree on a purchase price with the current property owner and submit it along with the package to the institution. Put forward your purchase request along with the short sale package to the lender and gently push it through the approval process. It the proposition is approved, your purchase of the short sale goes through. If not, simply modify your proposition and submit it again. - 31862

About the Author:

Is Your Real Estate Agent Properly Qualified?

By Riley Garza

Having a good real estate agent can ensure that you are getting the most out of your property experience. Sadly, not all real estate agents out there have the qualifications that you could need or might be looking for. In order to find the best and right real estate agent that may suit your needs in the estate market, you may take some factors into consideration before you select a property that would represent you.

Before anything else, you should always remember a real estate agent is just like a salesman in a way that he or she is making an attempt to sell someone a house. The agent could be working for either a buyer or a seller, depending on what purpose she was hired for. However, their main mission is still to sell. It is important that you look for real estate agents that have the capacity to sell any property property. This can help put you at ease knowing that the real estate agent that you have selected can do his or her job well, thereby inflating the quantity of confidence and trust that you have got for him or her.

It also helps if you can figure out what the real estate agent?s area of expertise is. Since some real estate agents are more specialized and have more information about certain areas, you need to ensure that the real estate agent that you are selecting is informed and talented enough in the particular area that you may need him or her for. If an agent has been living in the area that where your property is found, then it can seriously help in how she or he markets and sells the property to other prospective purchasers since he or she is already familiar with the area, and knows a little something about it.

A good real estate agent is also extraordinarily accessible and must be freely available to his or her customer. In this fashion, the agent can ensure that he or she is able to address any queries or issues that the client might have referring to the estate properties that he is planning on selling or buying. There's not much worse than a real estate agent that is extremely inaccessible. Any good real estate agent must always be there for his or her customer, just so he or she can ensure that the client gets the best result from the whole property experience.

Any good real estate agent should additionally be experienced, but also should be educated. This will help make sure that your real estate agent is able to handle your account without issues and with high competence. You would rather have your account be handled by someone who has a college degree and has plenty of experience in the entire real estate process, versus a high school drop out who has little to no sales yet. You need your real estate agent to take control of the whole process, which is why he or she should be very competent and talented in the problem to make sure that your best interest is not overlooked. - 31862

About the Author:

Sign Up for our Free Newsletter

Enter email address here