How We Can Buy Your House in 7 Days!!

Believe it or not, you can still sell your house in this wild economy. After reading this Special Report, you will see that you have more options than you once thought. My name is Mike Jacka (the principle owner of Metro Home Buyers, Inc.) and I am a Real Estate Broker, but we don't do things the traditional way. We are looking to Buy houses for investments, not List them for a commission.

While we can’t promise to buy your house, we will provide you with options.

Metro Home Buyers, Inc.

Just who is Metro Home Buyers, Inc. and what do they do? First let me tell you a little bit about myself… Mike Jacka. When I originally began investing in real estate, I was a Realtor. But after a few years I realized that there was a group of sellers that most real estate agents didn’t know how to help. So I started my own company to fill that need. We specialize in finding solutions after the so-called experts have given up. We are an investment company; all we do is buy houses. We buy houses like yours in the same type of neighborhoods all over the Twin Cities. My background is in computers; I started out graduating from Tartan High School in Oakdale, MN, received a 2-year degree from 916 Vo-tech in White Bear Lake and worked for AAA Office Products in St Paul as a field service technician. In 1992 I got my real estate license and in 1995 I changed my focus and began what is now Metro Home Buyers, Inc. The rest of this report tells you how our company can assist you by purchasing your home.

Near the end of this report, we show samples of houses that we have recently purchased. Homes like yours, from people like you. In each situation, the owners wanted out of the house, and wanted their mortgage taken care of. We did exactly that, in their time frame. No hassle; no broken promises, just the kind of results that you want.

Using our trend setting program, we can buy your house quickly, and we can usually cover all your closing costs. We’ll even take care of all the paperwork and handle all the closing details for you.

Once we have some basic information about your situation, we will be able to create a few different options to buy your property using our creative programs. All you have to do is decide which program works best for you.

We don’t want to list your property, we want to buy it!

We work with buyers who can afford to buy a house, but in today’s wild economy, the banks are too afraid to lend because they simply don’t know which direction the wind will blow from congress, so they are just sitting on the fence waiting to see what will happen next. That puts everyone in a tough situation.

Sellers want to Sell and Buyers Want to Buy but the Lenders don’t want to Lend. That is where we come in. With almost 20 years of experience, we have created several alternative buying and selling methods that have been proven to work over the years. We are able to Buy from Sellers, Sell to Buyers and create a package that the Lenders love.

Most of the buyers out there today can afford the monthly payments, but because the way the economy has unraveled after the initial financial crisis back in 2008, Lenders have changed their guidelines by increasing minimum credit requirements and increasing down payment demands. While all these changes are a good thing for the economy moving forward, it also makes it more difficult for most buyers today to qualify because they were accustomed to the old standards, and planned accordingly.

The other problem buyers are facing today is, even if they have enough cash for the down payment and a high enough credit score to qualify for a loan, the lenders are afraid to lend right now so they have manipulated the underwriting process to make it extremely difficult for the average buyer to qualify. They have changed the front end and back end income qualification ratios, longer employment verifications and capped broker premiums just to name a few.

All these changes in the lending industry have created a smaller funnel which has limited the number of buyers who can qualify for a loan. The other issue sellers are running into is that the appraisers are afraid of the lenders coming after them a year or two later if the real estate values decline after the lender approves the loan based on the appraisal and the buyer defaults causing the lender to foreclose on a property that is worth less then when they originally gave out the loan. This is causing the appraiser to come back with lower appraised values than they normally would have just to protect their butts in the future, and I don’t blame them for their concerns after everything else we have seen so far.

If you have read this far into this Special Report, then it is time to give you some hope and explain how we can help each other, the housing market, and the economy as a whole. As I said earlier, buyers still want to buy and sellers want (sometimes need to) sell. The old way was for a lender to provide a solution to make the transaction happen. In our new economy, we need a new third party with creative alternatives to fill that need. That is where we come into play. We have those creative solutions and have been doing so for almost 20 years now. When financing got so easy that anyone with a pulse could get a zero down no doc loan, our services were not in demand because the lenders were filling that need. Today, buyers and sellers alike are screaming for our help again.

The first thing we will need from you is information about your property, your situation and your mortgage information. You can either provide your information online at Provide Seller Information Here or give us a call at 651-779-7355.

Once we have that information, we can then structure a few different options that may work for you. You will have multiple options to chose from and we will be upfront and honest with you every step of the way. For example, many times after talking to a seller, we have determined that the best solution for them was to list their property with a good realtor. And while I am a licensed broker, I do not list properties for sellers, in those cases, if the seller doesn’t already have a good realtor to work with, we will refer two or three good ones that we have used ourselves.

Sometimes sellers are so upside down that we cannot buy their property, in that case, we would direct you to a realtor who specializes in Short Sales. If you don’t owe anything on your property or at least have plenty of equity, we may even make you an all cash offer. Yes our cash offers will be lower than market rates, but that is because as investors, we need to tap into lines of credit ourselves which adds costs and we still need to make a profit.

However, let me share with you a few creative solutions that have worked great for some of our past clients.

I was very satisfied with the process used to sell my house. Mike was very helpful and helped turn a difficult situation into an easy transaction. I didn’t want to sell my house, but I had to, and Mike made it easier for me. I would definitely refer my friends to your company. The entire process only took 2 weeks.

-Shelley Hanson St Paul, MN

Shelley in St Paul was behind in payments and just lost her job. She wanted to move in with her parents, but wanted to save her credit. She called us and we were able to make up her back payments, bring her mortgage current and then we continued making monthly payments on her place for 18 months. We then took one of our buyers that was working on improving their credit and rented the property to them with the option to buy. In just 18 months, the buyers credit had increased their credit by the 50 points that the lender required because the buyer worked with our credit restoration program and we were able to payoff Shelley’s mortgage. In that situation, the buyer was able to buy the house they wanted, and Shelley avoided a foreclosure and had even improved her own credit score so much that she was also able to purchase a new house and moved back out of her parent’s house with her kids.

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:

• Rapid, flexible sale of your home: You select the date that you want to move out. We can complete our transaction in 7 days!
   
• Certainty of Sale: Avoid the disappointment of ‘selling’ your 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.
   
• Avoid Sales Commissions: No need to pay a Realtor the typical 5-7% fee.
   
• You Get Quick Relief from Mortgage Payments: Compare that with a Home Listing that can go on forever!!
   
• Avoid Typical Closing Costs: Avoid the necessity of paying for Surveys, Title Insurance, Deed Preparation, Courier Fees, Recording Fees, etc.
   
• Eliminate a Listing Agreement: We provide a Sales and Purchase Agreement; remember we are BUYING your house.
   
• Eliminate Time Consuming House Showings: You won’t have to show your home anymore. On the average, we show your house less than 4 times, nearly always after you’ve moved out. We find qualified, motivated tenant/buyers.

-Tom Maplewood, MN

I was very satisfied with the process used to sell my house. Mike was very helpful and helped turn a difficult situation into an easy transaction. I didn’t want to sell my house, but I had to, and Mike made it easier for me. I would definitely refer my friends to your company.

How about Tom, he owned his house free and clear and got remarried after his wife passed away. Tom didn’t want to let go of the house he raised his children in and spent the last 30 years with his beloved, but he also wanted a new start with his new wife. That’s when Tom called us and based on his desires, we created a plan to buy his house over the course of 5 years. We did that using a contract for deed with a monthly payment that he would refer to as his "play money”. Tom was grateful for the offer we made him because it allowed him to move on slowly, at his pace without the pain that can go with the loss of a loved one and letting go of all the memories. Our buyer for this property was an executive who needed a place for 3 years, because that was how long his contract was for. We rented the place to him and his family for three years and we created a plan such that he received a credit every month on his rent that was applied to his down payment if he chose to stay past the three years. As it turned out, he got his contract extension and was promoted within the company. He also got to know Tom (the previous seller) and when he was ready to buy, before the end of his 3 year term, Tom was ready to let the property go for good and they became friends. He even invited Tom and his new wife over for dinner a few times.

These are just a couple of examples of the hundreds we have done over the past 2 decades. Those are the two most memorable ones.

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.

• Want to build up equity in the home of your choice while you improve your credit rating?
   
• Need more time to build up you base income?
   
• Looking for a home in an area that will surely have price appreciation?
   
• Wouldn’t you like the ability to fix the price of your future home and avoid price inflation?
   
• Wouldn’t you like to get a better mortgage in 12-24 months than the one that you qualify for now?

So how can we help you? Honestly, I can’t answer that question until we have talked, and the more information we have, the better prepared we will be to create a few different options to present to you for your review. At that point, the ball will be in your hands, and you will be the one who makes the final decision. If we don’t come to terms, then at least you will know what your options are and what we can or cannot do based on your situation.

So what have you got to lose? Call me right now or provide us some preliminary information online first at: Provide Seller Information Here