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forensic audits, forbearance and Lease Back Programs…

forever.  You never talk to banks again!

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When?  This Saturday at 3 PM ET, NOON PST.

**********************************************************

New record for 30 year mortgage rate

Here we go again setting new records.  Freddie Mac’s weekly report said the 30-year fixed rate slipped to 4.44% for the week ended Thursday, the lowest since it began tracking the rate in 1971. Last week’s rates stood at 4.49%, and a year ago it was at 5.29%.  The 15-year fixed rate fell to 3.92% this week, the lowest since Freddie Mac began tracking it 1991, down from 3.95% last week and from 4.68% a year ago.  Adjustable-rate mortgages also declined, with the 5-year rate falling to 3.56% this week, the lowest since 2005 when the lender began tracking it. 

Mortgage tracker Bankrate.com, which surveys large lenders across the country, said the average 30-year fixed loan sank to a record low for the fourth consecutive week, falling to 4.57% from 4.66% the previous week.  The 15-year fixed rate, which is a popular option for refinancing, also fell to the lowest level in the history of Bankrate’s 25-year old survey, dipping to 4.06%, from 4.11% the week before.  While the 1-year adjustable-rate mortgage held steady at 4.8% for a fourth week, the 5-year adjustable rate mortgage dropped to a record low of 3.92% from 3.95% the previous week.

Retail sales up

According to the Commerce Department, total retail sales rose 0.4% to $362.7 billion, compared with June’s 0.3% decrease.  The June drop was revised from the originally reported 0.5%.  The overall sales percentage gain was slightly lower than anticipated. Economists surveyed by Briefing.com had expected sales would rise by 0.5% during the month. 

Consumer spending accounts for two-thirds of U.S. economic activity, so retail sales and related reports are closely monitored to gauge the health of the economy.  Sales excluding autos and auto parts rose 0.2% last month, in line with economists’ forecasts. In June, sales on the same basis were down 0.1%.  Motor vehicle and parts sales also rose 1.6% in the month, and gasoline store sales rose 2.3%.  Overall, retail sales are up 5.5% over July last year.

Lower Jumbo rates

Low interest rates may not be helping out with regular mortgages, but the higher end of the housing market is getting a boost from lower jumbo rates—mortgages of $417,000 and above.  Unlike conventional mortgages, jumbo loans by definition exceed the conforming loan limit of $417,000 set by Fannie Mae and Freddie Mac. Jumbo rates are loosely tied to long term treasuries but they are traditionally higher because of the risk involved for the banks in making a larger loan.

“Sales volume for homes worth more than $1 million across the country are up more than 35% from last year at this time,” says Walter Maloney, spokesman for the National Association of Realtors (NAR). “Homes between $700,000 and a million are also on the rise by some 29% over last year. There’s no question that’s because of the historic low jumbo rates.”  Just how low are the current jumbo rates? Last year at this time, a 30-year fixed jumbo rate was averaging more than 6%. It’s now at an all time low average of 5.07%. And the re-finance rate for a 30 year jumbo is currently at 5.30%. A fifteen year jumbo is at the historic low average of 4.68%.  The reason for the rate decline is simple, say the experts: banks, which have a part in setting jumbo rates, have money to lend and see the benefits in doing so at lower rates.

Inflation up

The Commerce Department announced today that the Consumer Price Index increased 0.3% last month after falling 0.1% in June.. Economists surveyed by Briefing.com were expecting prices to rise 0.2%.  Energy prices rose for the first time since January, as commodity and gasoline prices spiked more than 4% during the month. Food prices, however, declined 0.1% as the cost of fruits and vegetables decreased.  Core CPI, which is closely watched by economists because it strips out volatile food and energy prices, edged up 0.1% for the month, in line with economists’ forecast and down from the 0.2% increase in July. 

Costs for housing, clothing, cars and tobacco continued to rise during the month while prices for medical care, airline fares and household furniture slipped.  Prices also rose on an annual basis in July. Overall prices rose 1.2% over the past 12 months, driven by 5.2% spike in energy costs due to higher gasoline prices. In June, overall prices edged up 1.1% from the previous year.  Core CPI rose 0.9% over the past year.

DSNews.com – Losses on CMBS Loan Liquidations Climb in Q2

During Q2, Moody’s Investor Service says that the 342 commercial real estate loans liquidated at a loss had a weighted average loss severity of 42.8 percent, 740 basis points higher than the current 35.4 percent weighted average.  “We anticipate that the cumulative loss severity rate will continue to rise from 35.4 percent as more loans from the 2006-2008 vintages of CMBS are liquidated at relatively higher loss severities,” said Keith Banhazl, Moody“s VP and senior analyst. 

From January 1, 2010, through June 15, 2010, a total of $3.2 billion of debt underwent liquidations, Moody’s says, a $2.6 billion increase over the same period in 2009. April 2010 recorded the highest amount of liquidations by current deal balance, with over $742 million of debt affected.  Moody’s reports that loans backed by healthcare properties have the highest weighted average loss severity at 61 percent, while loans backed by office properties have the lowest average loss severity at 31 percent.  The ratings agency’s update on CMBS loss severities covers all outstanding conduit and fusion U.S. CMBS transactions, whether they are or are not rated by Moody’s.

Now for our real estate education section…

Friday File: 15 Minute Short Sale Resolution

According to research conducted by Nielsen, social media websites now consume 23 percent of all time spent online…and a significant percentage of users spend the majority of their time using social media via mobile computing and/or cell phone. In fact, Americans now spend an average of six hours each week on some type of social network.

On the other hand, email usage via desktop has dropped by nearly 50% while simultaneously increasing via smart phones. The use of search engines and web portals like Yahoo or Google has declined due to the increased usage of direct links in articles, blogs and even email which no longer require extensive searching. Perhaps one of the most surprising findings is that twice as many older Americans (aged 50 or above) visit social networks than those under 18 years of age.

Not only does all of this add up to a lot of communication but it should be an inclusive requirement for all your real estate and short sales success.  For this week’s 15 minute resolution, let’s take a look at a few less common social media marketing resources.

Adly: Reach over 70 million users on Twitter and Myspace with this easy to use advertising platform. Of course, the true value comes from the ability to target prospective clients in your area while gaining strategic insight into the local data.

FourSqure: With an emphasis on geo-location combined with business, Foursquare.com is a great way to connect with others in the local area while spreading the word via mobile communications. From open houses to micro-transactions, this is considered one of the most promising upcoming social media sites today.

Gist: Gist was designed from the ground up as a tool to help build professional relationships by providing the right information at the right time. Think of it as LinkedIn on steroids and take a few minutes to check them out for this week’s 15 minutes resolution.

See you at the top!

Chris McLaughlin
**************

Copyright Loss Mitigation Institute LLC 2010.

All Rights Reserved.

http://www.shortsalesriches.com
http://www.shortsalescoach.com
http://www.sixfigurebpo.com
http://www.reomillionaireclub.com
http://www.youtube.com/shortsalesriches 

http://www.smartrealestatenews.com (subscribe to this newsletter)

*************************************************
About the author:

Chris McLaughlin is widely known as America’s top
Real Estate Attorney and Investment Consultant.

    * As the top Florida foreclosure and pre-
      foreclosure expert, he oversees more than
      100 short sale & REO closings each month
   * Long-time authority on real estate investing
      and rapid reselling of distressed homes.  Owns
      portfolio of nearly 100 high-value, high-profit
     properties
    * Owner of one of Florida’s largest Real Estate firms,
     running 4 different offices, supporting over
     400 agents, uniquely positioning him to help
     thousands of investors make money in the
     biggest market opportunity ever!
    * Highly sought-after speaker, consultant, and
      seminar leader for current trends and hot topics
      in Real Estate Investing, Entrepreneurship, and
      Wealth Building
    * Follow me on Twitter: http://twitter.com/mclaughlinchris
    * Join my Facebook Fan Page: http://www.mclaughlinchris.com
–

Forward this e-mail to your friends! 

Then they can subscribe directly at the following link: 

http://www.smartrealestatenews.com/ 

*** Follow Chris on Twitter–> http://www.twitter.com/mclaughlinchris

*** Join Chris’ Facebook Fan Page–> http://www.mclaughlinchris.com

**********************************************************

Fix A Flip Re Opens … If you want your deals funded beyond 1 day,

this is the webinar you need to be on this TONIGHT at 8:30 PM ET, 5:30 PM PST:

https://www2.gotomeeting.com/register/618365627

**********************************************************
Housing starts down

The Commerce Department says housing starts dropped 5.0% to a seasonally adjusted annual rate of 549,000 units, the lowest level since October.  It was the second straight month of decline in activity and was well below market expectations for a 580,000-unit rate.  May’s housing starts were previously reported as a 10.0% drop, but are now revised down to show a 14.9% decline.  Compared to June last year, starts were down 5.8%, the biggest decline since November.  Driving the June decline was a more than 20% drop in the volatile condominium and apartment market. Construction of single-family homes, the biggest part of the market, was down slightly by 0.7%.  The only positive sign in the report was an unexpected 2.1% rise in applications for building permits to a 586,000-unit pace in June. 

That followed a 5.9% drop in May and compared to analysts’ expectations for a slip to 570,000 units.  Still, the slumping job market and competition from foreclosed properties have forced builders to limit construction, especially after tax credits that spurred sales expired at the end of April.  “Despite record low mortgage rates, housing is at risk of a double dip unless job growth strengthens soon,” said Sal Guatieri, senior economist at BMO Capital Markets.  Economists had had predicted that construction would fall to a rate of 580,000 and had projected that building permits would sink to a rate of 570,000, according to Thomson Reuters.  In a typical economic recovery, the construction sector provides much of the fuel. But not this time. While developers have cut back on construction and the number of new homes on the market has fallen dramatically, they still must compete against foreclosed homes selling at deep discounts. 

Consumers will pay for new rules

Up until recently, bankers have remained mum on particular reform measures, saying that regulators will first need to write specific rules.  But Bank of America broke ranks on Friday, detailing the impact of several provisions, including the so-called Durbin amendment, named after sponsor Sen. Richard Durbin, D-Ill., which will limit the fees banks collect from debit card swipes.  Bank of America executives said the new rule would reduce fees earned from debit cards anywhere between 60% and 80% starting in the second half of 2011. This year, the company said it expects to produce $2.9 billion in revenue from that business.  “We now fear that the Durbin bill could have a great negative impact on bank revenue than we had originally estimated,” BMO analyst Lana Chan wrote in a note to clients Monday. 

Even though BoA is hit hard, , the biggest hit was expected to fall on major regional players such as Regions Financial, KeyBank and Fifth Third. Each institution generated over 3% of their overall revenue from interchange fees last year, compared to Bank of America’s 2%, according to Chan.  Analysts suggested that perhaps the company most exposed to the new measure was the Minnesota-based lender TCF Financial.  In 2009, more than 10% of its revenue came from interchange. FBR’s Paul Miller projected Monday that TCF’s earnings could fall by as much as 40 cents a share as a result.  Banks have not been sitting idly by. A number of major financial institutions have reportedly started to eliminate free checking accounts, as well as imposing new or higher fees, ultimately putting the cost of the forthcoming new laws on the consumer.  “That is probably what is going to happen here,” said TCF Financial CEO Bill Cooper said during a conference call with investors last week.  The bad news is that the Durbin rule is just one small piece of an ongoing effort to rewrite the rules of the road for the financial services by this administration and congress.

Olick – Jumbo loans are back

“After several years of stagnation in high-end housing, thanks to the disappearance of the jumbo market, things are moving yet again.  A quick check on Bankrate.com shows the 30-year fixed jumbo at around 5.50%, and Citibank last week reported applications for jumbos up 30% just over the last 60 days.  “It is the overall weak economy driving the 10 year lower, which is the proxy for most mortgage loans,” says FBR’s Paul Miller. “This is still probably the best of the best getting loans at these low rates, but Jumbo activity is still very, very low.” Miller says it’s good for the market, but only “marginally better,” as banks are desperate to find good loans to put on their books.  But how long will it last? Probably only as long as investors remain nervous about the economy.  “Preliminary signs of life in the secondary market are a good indication that the narrower spread between jumbo and conforming loans will stick around,” says Bankrate.com’s Greg McBride. “However, the level of mortgage rates will hinge more than anything on the demand for Treasuries.”  Bank of America tells me that applications and fundings for jumbo loans rose over 10% from May to June. They say they’ve always been the leader in jumbos, which could be why Citi is getting more aggressive.”

Home Builder Confidence Plummets

Builders have been feeling increasingly pessimistic of late. The National Association of Home Builders (NAHB) said yesterday that its monthly reading of builders’ sentiment about the housing market sank to 14 — the lowest level since March 2009. Readings below 50 indicate negative sentiment about the market.  “We continue to see a lull in home buying activity following the expiration of the federal home buyer tax credit program, as many of the sales that would have occurred this summer were likely pulled forward to meet that program’s deadline,” said NAHB chairman Bob Jones, a homebuilder in Bloomfield Hills, Mich., in a press statement. “In addition, builders are reporting continuing consumer hesitancy regarding home purchases due to uncertainty in the overall economy and job markets.” 

Paul Dales, a US economist at the Toronto-based Capitol Economics concurred that the tax credit’s expiration is impacting the housing market.  “It is becoming increasing clear that without the government’s artificial support, the US housing market is struggling to stand on its own two feet,” Dales wrote in commentary Monday. ” The fall in the NAHB housing index…shows that demand for new homes has weakened further.”  Specific factors contributing to the negative view include hesitation on the part of homebuyers, tight consumer credit and continuing competition from foreclosed and distressed properties, according to NAHB chief economist David Crowe.

Now for our real estate education section…

Mortgage Overhaul & What is Means for You

By the time you are reading this, the new 2300 page financial reform bill is likely to be making the headlines. The Senate has already approved the new bill and President Obama is expected to sign it into law this week ..despite the fact that many of the provision related to specific regulations have yet to even be written. If that sounds faintly disturbing, don’t worry…your concern is noted and shared by many experts through the nation. However, there are sweeping changes that are already apparent despite the lack of specific details.

Although broad in scope, home buyers and sellers are likely to be among the first impacted by the new provisions. They represent one of the most comprehensive – top to bottom  changes to the finance, valuation, types of mortgage products offered and how lenders are compensated to take place in decades. In fact, there are even new rules for investors that provide capital for the purchase of mortgages.

A few of the most important points likely to make immense impact to buyers, sellers and investors is the language dealing with any type of mortgage outside of the “traditional” or “plain vanilla” category. Unfortunately, regulators have yet to fully define what will constitute a “traditional” mortgage under the new plan but it is clear that the line will be drawn to reduce the number of sub-prime borrowers as well as offerings of owner finance and other alternative forms of finance. Experts predict an immediate severe impact on many minority and low income borrowers; many who have already been impacted by far less severe measures. For example, according to FHA, rejection rates for African American and Latino borrowers have substantially increased among non-FHA loans.

The new FDIC and other regulatory oversight standards contained in the bill are expected to provide safer mortgage(s) instruments but at a higher cost and more stringent requirements for both banks and individuals. It is estimated that only five banks currently control more than 65% of the current mortgage market; the new bill is expected to further consolidate this trend by favoring big banks over small. In part, this is due to the belief that big banks are easier to regulate. However, at the same time, new controls and rules regulating private investors are also expected to take another two to three years to fully define…leading many to believe the bulk of mortgages will still be backed by the United States government for the foreseeable future.

See you at the top!

Chris McLaughlin
**************

Copyright Loss Mitigation Institute LLC 2010.

All Rights Reserved.

http://www.shortsalesriches.com
http://www.shortsalescoach.com
http://www.sixfigurebpo.com
http://www.reomillionaireclub.com
http://www.youtube.com/shortsalesriches 

http://www.smartrealestatenews.com (subscribe to this newsletter)

*************************************************
About the author:

Chris McLaughlin is widely known as America’s top
Real Estate Attorney and Investment Consultant.

    * As the top Florida foreclosure and pre-
      foreclosure expert, he oversees more than
      100 short sale & REO closings each month
   * Long-time authority on real estate investing
      and rapid reselling of distressed homes.  Owns
      portfolio of nearly 100 high-value, high-profit
     properties
    * Owner of one of Florida’s largest Real Estate firms,
     running 4 different offices, supporting over
     400 agents, uniquely positioning him to help
     thousands of investors make money in the
     biggest market opportunity ever!
    * Highly sought-after speaker, consultant, and
      seminar leader for current trends and hot topics
      in Real Estate Investing, Entrepreneurship, and
      Wealth Building
    * Follow me on Twitter: http://twitter.com/mclaughlinchris
    * Join my Facebook Fan Page: http://www.mclaughlinchris.com
–

* Add me on Facebook: http://www.facebook.com/mclaughlinchris

“Lazy Person’s Way to Pre-Foreclosure Riches”

Since putting this system to work instead of me, I’m

slaving away at the beach with sun screen on my arms,

and my cell phone at my ear for a full, uh, 20 hours

a week.

Life’s not so tough when others willingly do your work.

And the earnings?  Out of this world!  See how I do it

anywhere I want from my iPhone… and it won’t cost you

a cent:

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KB Home new-home orders rise; cancellation rate improves

KB Home, a large homebuilder, has reported a lower loss for the quarter ended May 31 as compared to the earlier quarter. Analysts say this could be yet another sign of housing sector recovery. The company said new home orders, which totaled 2,910 units in the quarter, were up from the beginning of the year. In addition, the company’s cancellation rate improved. Net loss for the quarter was $78.4 million, or $1.03 a share, compared with a loss of $255.9 million, or $3.30, a year earlier, KB Home said in a statement. Michael Rehaut, an analyst at JP Morgan, said the result was worse than expected, and was “in sharp contrast” to the prior quarter’s order growth. Builders such as KB Home are competing with foreclosed homes up for sale. According to RealtyTrac, foreclosure filings, including default and auction notices as well as property seizures, rose 18% in May from a year earlier. Jeffrey Mezger, chief executive of KB Home, was cautiously optimistic. “Although key economic indicators remain mixed, we are beginning to see signs that some negative housing market trends may be moderating at both the local and national levels,” said Mezger.

McMansions lose their sheen

Homebuyers are losing interest in McMansions – oversized homes with 3,000 to 5,000 square feet of living space – amid the recession, and are moving towards smaller sized homes. Smaller homes are cheaper to buy, furnish, and maintain, say homebuyers; particularly those buying a home for the first time. “Entry-level buyers are coming out of rentals and coming out of apartments, and they are not looking for 3,000 or 4,000 (square) feet,” said Steve Hilton, chief executive of Meritage Homes. Homebuilders, in order to cater to the change in customer preference, are going along with the trend. The median new-home size, which grew from less than 1,000 square feet in the 1950s to over 2400 square feet in 2004, has been falling in the last couple of years. In 2008, the median home size was 2,200 square feet. The current recession is bringing it down further. According to a survey conducted by the American Institute of Architects (AIA), Americans are increasingly looking at smaller homes and lower ceilings, in part because of energy costs. “Home sizes have been trending down recently,” said AIA chief economist Kermit Baker. “The era of the ‘McMansion’ could well be over.”

Big banks renew interest in “jumbo” mortgage lending

Jumbo mortgages, which are loans for purchase of expensive, high-end homes, are not bought or guaranteed by Fannie Mae and Freddie Mac, the government-controlled mortgage companies. Jumbo loans, including refinancing as well as debt for home buyers, dropped to $98 billion in 2008 from $348 billion in 2007, according to Inside Mortgage Finance, an industry publication. Jumbo loans amounted to $11 billion in the fourth quarter of last year; the lowest quarterly amount since 1990. Now it looks as though things are looking up. Banks such as JPMorgan and Citigroup have started showing interest in jumbo loans once again. JPMorgan, which had halted purchasing jumbo loans in March this year, resumed buying new jumbo loans made by other lenders this month. Citigroup too is offering jumbo loans through independent mortgage brokers. “I’m actually starting to see a lot of community banks asking for jumbo loans,” said Grant Stern, owner of Morningside Mortgage.

Consumer confidence rises to its highest level in over a year

The Reuters/University of Michigan Surveys of Consumers are monthly surveys which provide a gauge of consumer anticipation of changes in the economic environment. According to the latest survey results, the Index of Consumer Sentiment (ICS) rose from a reading of 68.7 in May to a 70.8 in June; this equals the reading in February 2008. The Index of Consumer Expectations, which is a sub-index of ICS, moved lower to 69.2 in June from 69.4 in May. “Over the past four months, sentiment has improved moderately, suggesting that consumers’ attitudes about the economy are improving,” said Steven Wood, chief economist at Insight Economics. “However, they remain very cautious. Nevertheless, these data do suggest consumers are no longer shell shocked.” ICS has gained 15.5 points since a low of 55.3 last November. “Such a sizable gain has usually indicated that an end to the economic downturn is on the horizon, as consumers begin to increase their spending on houses, vehicles, and large household durables,” the Reuters/University of Michigan Surveys of Consumers said in a statement.

Swiss banks losing interest in American customers

According to new regulations, Swiss banks must register with the Securities and Exchange Commission (SEC) in order to provide banking services to Americans. The largest of Swiss banks, UBS and Credit Suisse Group, have asked their American customers to move their money to the banks’ newly created units in the U.S. or close their accounts. Many small Swiss banks are closing accounts held by Americans. “My bank doesn’t want to do that, so we wouldn’t accept an investment account for a U.S. person,” said Pierre Mirabaud, chairman of Mirabaud & Cie., a Swiss bank, while commenting on the requirement to register with the SEC.

Analysts believe over 5 million Americans living abroad are likely to be impacted by the new requirement. Registration with the SEC means clients don’t enjoy the protection of Swiss banking secrecy laws, which disallow money managers to disclose the names of clients without their consent. The Internal Revenue Service, in its efforts to recoup an estimated $50 billion in unpaid taxes, is seeking information on offshore bank accounts. Charles Adams, managing partner at the law firm Hogan & Hartson LLP in Geneva, said: “American citizens are starting to feel like they’re Typhoid Mary. The Swiss simply don’t want American customers because it requires so much infrastructure and hassle that they don’t make any money.”

Now on to our real estate investor education section…

How to Get the SBA to Finance Your Short Sales Empire

In yet another display of support for the short sales concept, the Small Business Administration recently announced breakthrough changes to the 504 Loan Program in conjunction with the American Recovery and Reinvestment Act of 2009. Small business owners (defined as those that do less than $5 million in business each year) will be eligible to refinance existing loans that were used to buy real estate or other assets. Even better, the 504 program also provides funding to allow small business owners to purchase real estate as well as fixed assets…including short sale real estate.

This is no small boon for those short sale investors searching for a way to obtain financing in a tough market or wishing to expand their short sale empire through the acquisition of additional types of properties. Keep in mind, small business loans may be interested in acquiring many different types of properties including residential real estate, commercial real estate, retail, storage or many other forms of distressed property.

The enhancement of the 504 Loan program to include refinancing and funding for new acquisitions is especially timely for those short sale investors who have taken steps to incorporate their business or who would like to purchase short sale properties as part of their existing small business. Forming a subsidiary or acting like a holding company is one way to allow your small business to cash in on short sale profits and broaden your bottom line holdings with the bank.

In addition to expanding the scope of new and existing financing options, the program has also increased the guarantee level to 90 percent while correspondingly reducing fees and transactions costs. ARC loans have also been made available to companies facing immediate financial hardship.

Eligibility Requirements:

“Expansion” includes any project that involves the acquisition, construction or improvement of land, building or equipment for use by the small business. The following are some of the conditions under which borrowers will be eligible for refinancing:

• The debt being refinanced was incurred to acquire land, to construct a building or to purchase equipment.  The assets acquired must be eligible for financing under the 504 program.

• The existing debt is collateralized by fixed assets.

• The existing debt was incurred for the benefit of the small business.

• The new financing provides a substantial benefit to the borrower when prepayment penalties, financing fees, and other financing costs are taken into account.

• The borrower has been current on all payments of existing debt for one year prior to the date of refinancing.

——-

See you at the top!
Chris McLaughlin

http://www.shortsalesriches.com

PS:

“Strange New Automation Strategy Closes Short Sales

Fast and Easy!”

Think of it! Our new automatic system for finding and

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the link below..

https://www2.gotomeeting.com/register/309228778

Copyright Loss Mitigation Institute 2009.
All Rights Reserved.

http://www.shortsalesriches.com

http://www.shortsalescoach.com

http://www.sixfigurebpo.com

http://www.reomillionaireclub.com
Finally, a blog for Real Estate professionals
that want up-to-the-minute news, & how it impacts
us and our market…
http://www.shortsalesriches.com/blog

About the author:

Chris McLaughlin is widely known as America’s top
Real Estate Attorney and Investment Consultant.

* As the top Florida foreclosure and pre-
foreclosure expert, he oversees more than
100 short sale & REO closings each month
* Long-time authority on real estate investing
and rapid reselling of distressed homes.  Owns
portfolio of nearly 100 high-value, high-profit
properties
* Owner of one of Florida’s largest Real Estate firms,

running 4 different offices, supporting nearly

450 agents, uniquely positioning him to help

thousands of investors make money in the

biggest market opportunity ever!
* Highly sought-after speaker, consultant, and
seminar leader for current trends and hot topics
in Real Estate Investing, Entrepreneurship, and
Wealth Building
* Add me on Twitter: http://twitter.com/mclaughlinchris
* Add me on Facebook: http://www.facebook.com/mclaughlinchris

—