In the news today....

Sales of existing homes in June slowed more than expected and hit their lowest level in 10 years.

Existing-home sales resumed falling in June and the median price also dropped as inventories crept higher. Home resales slid to a 4.86 million annual rate, a 2.6% decrease from May's unrevised 4.99 million annual pace, the National Association of Realtors said Thursday.

The median home price was $215,100 in June, down 6।1% from $229,000 in June 2007. The median price in May this year was $207,900.

Existing home sales fell by 2.6% in June to a seasonally adjusted annual rate of 4.86 million units from 4.99 million in May, the National Association of Realtors said. The sales pace was off 15.5% from June 2007.

Housing inventory at the end of June rose 0।2% to 4.49 million existing homes for sale, or an 11.1-month supply at the current pace. That's up from a 10.8-month supply in May.

Seniors, where else can you find money for living expenses? Where else can you find a way to make sure you are taken care of in the long term?

Reverse Mortgages help seniors. They are an entitlement. Its time you learned more about reverse mortgages.

Bob Fisher

bob@az62.com

623-214-6663

Are you over 62?

How would you like to live in Mesa in a beautiful home for less than $40,000, with no mortgage payments for life?

There are 10 privately owned homes that are open to seniors over 62 who are interested in getting into a home in Mesa.

If you are interested in getting in on this entitlement opportunity, contact me to find out how little you have to pay to get into one of these homes.

There is no fees or payments to find out about this program. There are no credit score requirements or proof of income requirements.

We work hard to help seniors. Let us help you.

Bob Fisher

bob@az62.com

623-214-6663 office

714-331-1486 cell

Looking after the Heroes

With all the bad press that the current leadership is getting in this country of ours, its always nice to look back at the good days, when we were the toast of the planet, and our country was full of heroes.

I just heard about the rapid decline in the number of WWII survivors. It makes me very happy to know that I am helping this generation to live the best life possible for the rest of their lives.

Putting a senior who served our country into a home, saving their current home, or just getting more money into their pockets, is a great way for me to say thanks for all you have done.

If you are a senior citizen and need help either getting into a home, saving your home, or simply saving yourself from a cash crunch, please contact me...I would really like the chance to help.

We keep senior money in senior pockets. You call to us and our advice, cost nothing.

Bob Fisher

bob@az62.com

623-214-6663

The Perfect REO Solution

If you are a Real Estate Agent, Broker, Bank, or REO department and you do not have a relationship with us, then you are missing a significant segment of the market of potential customers.

We have seniors who are entitled to and ready to receive support in getting into a REO property.

We have worked long and hard to create the proper model for maximizing the return on from the sale of this non-performing asset, as well as maximizing the benefit for the senior who is attempting to get into a home.

For more information, or to submit an inventory of property that you would like us to take a look at, contact us at :

Robert Fisher

bob@az62.com

623-214-6663

Seniors Helping Seniors

You should know by now that AARP did a survey on seniors who had reverse mortgages and found that 93% of the seniors surveyed said that the reverse mortgage had a positive effect on their lives.

Now it is your turn to help seniors. If you are smart or lucky enough to have already received a reverse mortgage entitlement, you know that it is the right thing to do. So start telling your friends.

They will not ask you about it. They think they already know. What they know is wrong. Tell them the truth. Help them.

Bob Fisher

bob@az62.com

623-214-6663

Watching out for senior citizens

Its what we do. Everyone who knows us, or has been to one of our seminars knows that we are in this business to help the most neglected and abused segment of the U.S. population….SENIORS.

Bob Fisher

bob@az62.com

623-214-6663

How would you describe the perfect loan?

How would you describe the perfect loan?

If you could design a loan that helped both you and the bank that lent you the money to buy the home, how would you design it?

1) Payments: How about, “You pay what you can/want, when you can/want”

2) Interest Rate: How about, “I pay the same interest rate that the government pays out when people buy treasury bills, and let the bank earn 1.5% over and above that, just to be fair”

3) Length of the loan: How about, “The rest of my life, and if I am married, the rest of both our lives.”

4) Fees: Show me all the fees up front. Don’t hide them in a higher interest rate.

5) Security: Have my loan backed by the government. HUD

6) Give me a credit line if I have money left over, and have it grow. In fact have it grow at a higher interest rate than the loan.

7) Give me the option of government Tenure payments instead of the credit line, and make the payments backed by the government for the rest of my life.

8) I don’t want to have to use any money out of my pocket to get this loan.

9) Make it quick. I want to have this done in under a month.

10)Give me a person to talk to. I want to be able to reach someone during regular business hours, without having to talk to a computer, or without having to hold for longer than a few seconds.

Everything above is part of the reverse mortgage program offered by our company. No other loan company, let alone any reverse mortgage loan company can meet this quality and quickness.

You have no idea how much a reverse mortgage can help you. You really don’t. You need to talk to someone about reverse mortgages, because what you don’t know can hurt you AND other seniors. If you need to know, learn from the best.

Bob Fisher

bob@az62.com

623-214-6663

Hello? Wake UP Seniors!!!

Isn't it time to start thinking about yourself?

Isn't it time to start making sure you don't outlive your retirement?

Are your savings dwindling each month? If you are pulling money of of savings each month to meet bills, that means that you are subsidizing your own monthly income. That means once your savings is GONE, your monthly income will drop.

Can you afford it? Can you afford not having that monthly income?

Now imagine your spouse dying. Can you live without that monthly income?

The simplest use of a reverse mortgage is to provide extra monthly income for the rest of your life, guaranteed by the U.S. Government. Its like an annuity, but you don't have to put any money in to it! That's why we call it an entitlement!

Bob Fisher
bob@az62.com
623-214-6663 Office
714-331-1486 Cell

The right time to retire in the perfect home.

Wake up seniors. If you are over 62, then you need to understand that now is the best time to buy a retirement home. No time during your life has there been a combined benefit of depressed home prices and government backed financing. Never before have you had the opportunity to buy a home with a reasonable down payment, and NO mortgage payments for life!!!

What don't you understand about your reverse mortgage entitlement? Didn't you know that you had the opportunity to buy the retirement home of your dreams? Didn't you know that your credit score and income verification DO NOT matter with this program?

You need to find out just how wonderful a time it is to be looking for that perfect home to retire in, and to live without mortgage payments.

Bob Fisher

bob@az62.com

623-214-6663

Retire in Florida for less thand $49,900

We now have properties in the Boca Raton area that you can retire in for less than $49,900. These two bedroom condominiums have just been updated with stainless steel kitchens and new washer/dryer.

If you are 62 or over, pay less than $49,990 and move into your deeded two bedroom condominium, with no mortgage payments for the rest of your LIFE!!!

Luxury condo’s within a mile and a half from the Atlantic Ocean. Gorgeous

Boca Raton is less than 3 miles away and you are within walking distance

of the Intercoastal waterway. This is paradise!

That’s right, with our program, you purchase the condominium with less than $49,990 down and have no mortgage payments for the rest of your life. Your will only have to pay the association fee, property taxes, and homeowners insurance. You have worked hard all your life. We are rewarding you with a retirement home of your dreams for less than $49,990. If you have ever wanted to live in paradise, but never thought you could afford it, NOW is the time to take advantage of this government program that can make your retirement dream come true.

QUANTITIES ARE LIMITED, and this offer may end at any time। YOU MUST ACT QUICKLY TO GET THE BEST SELECTION. Don’t let this opportunity pass you by. There are no fees to apply.

Bob Fisher

bob@az62.com

623-214-6663

or

california : 714-331-1486

Get it while its hot.

Its an old saying, but it definitely applies to today's senior.

American Seniors are empowered to take advantage of today's economic conditions and real estate marketplace.

Armed with the entitlement of a reverse mortgage, seniors are able to do so many things including:

1) Set up a growing credit line for future needs.

2) Upgrade to a larger home.

3) Get a retirement home for less than half price

4) Get a multiple dwelling unit to earn extra income

Because its an entitlement, it is your choice whether you use the benefit or not. The government is not going to knock on your door and tell you to take advantage of this opportunity. They put the law in place and now its up to you to take advantage.

If you want to learn, all you have to do is call.

Bob Fisher

bob@az62.com

623-214-6663

or

california : 714-331-1486

The Crystal Ball

Do you really know what is going to happen to the value of your home over the next 10 years?

I don't.

Do you really know what your financial position will be in 10 years?

I don't.

What if you could make sure of your financial position to a certain extent, and also know the value of your home is at or above its current value? What if that guarantee was given to you by the U.S. Government? Would you take the guarantee?

If you own your home, are over 62, and have not signed up for a reverse mortgage, then you are leaving your homes value, and your access to a cash credit line for an emergency, up to chance.

Its Time. Get a reverse mortgage.

Bob Fisher

bob@az62.com

Arizona : 623-214-6663

Get Help

The Senior Citizens of the United States are reluctant to get help. They have been the heroes of the great wars, the movers and shakers of the greatest economy on the planet, and responsible parents and grandparents. They have always been the ones that everyone else runs to when they have a problem.

Well now is the time that we can help pay you back. The programs available through the reverse mortgage plan can help seniors with their current home, with a retirement home, or even as a source of extra income each month with a multiple dwelling unit.

The key is that we need to find the right way to let the senior citizens know that it is ok to accept this help because it is a government entitlement that was put in place to keep them in their homes and keep their money in their pockets.

Bob Fisher

bob@az62.com

623-214-6663

Enough is enough...time to learn

Ok, time is up. If you have been waiting to learn more about reverse mortgages, you are not allowed to wait any longer.

If you do not understand that a reverse mortgage can help almost every senior accomplish one of their goals, then you do not know reverse mortgages.

If you are over 62 and have any of the following symptoms, then you need to make an appointment for a checkup to learn how a revers mortgage can make you better.

1) If you are bored. A reverse mortgage can help you either participate in today's real estate market, or it can help you get busy helping others.

2) If you don't earn enough each month and need to earn more. A reverse mortgage can help you earn more money each month through rental property.

3) If you need to help your kids or grandkids during these had times. A simple reverse mortgage can help you get the money.

4) If you have a regular mortgage. ENOUGH. Why are you paying more interest, and losing access to the money you pay in towards the home? Get a reverse mortgage.

5) If you have a life goal that is going to take extra money, but you want to keep your home.

6) If you participate in a non-profit organization and would like to help them get more money each month.

Bob Fisher

bob@az62.com

623-214-6663

or

714-331-1486

The right home

Now is the time that senior citizens, 62 or older, are more empowered to deal in the real estate marketplace than any other time in history.

Every senior is backed by HUD as a good customer for a reverse mortgage. It is a great time for seniors to be shopping for homes. Every home on the market is less than half the offered price (as long as the offered price is at or lower than the FHA appraised value, and as long as the home is offered at a price lower than the FHA lending limit for that county).

Start thinking about where you REALLY want to live, then give me a call for personal assistance in getting the home of your dreams.

Bob Fisher

bob@az62.com

714-331-1486

or

623-214-6663

Happy Independence Day

Happy 4th of July

Happy Independence Day!!!!

Are you independent? Are you living the life of freedom from stress that you thought you would? Seniors with reverse mortgages are celebrating Independence Day in a way that most seniors can only imagine. They are free from stress about monthly mortgage payments. They are free from stress about a limited fixed income. They are free from stress about having enough to eat, or being able to go out a few nights a month.

The reverse mortgage gave them a guaranteed tenure monthly payment for the rest of their lives, or they have a credit line that grows over time. Its like a brand new bank account or a new job. You will be amazed at how much you have to celebrate when you have a reverse mortgage.

Enjoy the holiday

Bob Fisher

bob@az62.com

623-214-6663

or

714-331-1486

The electric Bill

Financial advisers are telling us that gasoline is not the only thing that is causing problems for seniors these days. It is an even more basic need that they are struggling to finance. The need is electricity. Senior Citizens are having a tough time paying the higher electric bills this summer.

We are seeing it again and again. Senior Citizens, a very proud and self sufficient group of individuals, are quietly suffering and struggling each month to pay their basic monthly bills. Everyone knows that Social Security and Pensions have not kept up with the increased prices of everyday items. Every also knows that seniors are outliving their retirement funds.

What is the solution? A reverse mortgage will insure that you have an additional monthly income, or even better a line of credit that you can withdraw money from each month while the balance grows to replenish the amount you withdrew.

When is it time to say, "I have suffered long enough"?

NOW. Look into a reverse mortgage to end your struggle to pay simple monthly bills.

The most misunderstood entitlement

Reverse mortgage have to be the most misunderstood entitlement in the history of the United States. Every time the government has created a program to benefit a portion of the population of this country, large groups of politicians and both public and private organizations have put the word out so that the people who are entitled to the benefit both hear about it and receive their entitlement.

Reverse mortgages have been the opposite. Even though Congress made reverse mortgages a law, even though HUD is overseeing the program, the entitlement has not been successfully handed over to the seniors who can use it.

Instead, the public perception of reverse mortgages is still negative. Even though a reverse mortgage makes sure that the senior keeps their home. Even though a reverse mortgage improves lives. Even though a reverse mortgage makes handling the estate easier for the heirs. Even though seniors have successfully used the credit line to increase their available cash over time.

Once seniors get over the fear of using their homes to get a better life, this will go down in history as one of the best entitlements ever granted to the public by our government.

Its the 1st of the month

We are speaking with more and more CPA's and estate planners who are saying that their clients are struggling. The first of the month is a bad day for these seniors. It is the day that all the bills reset and a whole new pile of them become due again.

The real questions are :

Why does a senior have a monthly mortgage payment?

Why does a senior have to live off less than $1000 a month in fixed income when they own their home?

The truth is that NO senior should have a monthly mortgage payment. No senior should live off less than $1000 per month. If they knew about reverse mortgages, they would learn that they do not have to have a mortgage payment, and they do not have to live below the poverty line.

We know reverse mortgages. We know all the ways it can help almost every senior citizen in our country. All you need to do is call us and talk to us about how we can help you.

Bob Fisher

bob@az62.com

714-331-1486

or

623-214-6663