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	<title>Rosen Properties Blog &#187; Foreclosures</title>
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	<link>http://www.rosenprop.com/blog</link>
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		<title>Banks vs. Trees</title>
		<link>http://www.rosenprop.com/blog/2010/07/16/banks-vs-trees/</link>
		<comments>http://www.rosenprop.com/blog/2010/07/16/banks-vs-trees/#comments</comments>
		<pubDate>Sat, 17 Jul 2010 04:23:32 +0000</pubDate>
		<dc:creator>Dick Rosen</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[conservation]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[loan mod]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[trees]]></category>

		<guid isPermaLink="false">http://www.rosenprop.com/blog/?p=145</guid>
		<description><![CDATA[I heard a story today about a real estate investor working on a rehab in a state different than where he lived, I&#8217;m not sure but I think it was Florida.  The state is irrelavant to my story but the law mentioned made me think.  This investor wanted to cut down a tree to improve his curb appeal until [...]]]></description>
			<content:encoded><![CDATA[<p>I heard a story today about a real estate investor working on a rehab in a state different than where he lived, I&#8217;m not sure but I think it was Florida.  The state is irrelavant to my story but the law mentioned made me think. </p>
<p>This investor wanted to cut down a tree to improve his curb appeal until he found out that local law required anyone cutting down a tree is then required to plant 3 trees&#8230; Wow, stiff but I like it!  Needless to say the investor opted to simply trim the existing tree.</p>
<p>I really think that banks, in particular those banks working on foreclosures, short sales and loan modifications, should be required to plant 3 trees for every file worked on and not approved.  I&#8217;m currently working on 3 loan modifications. I&#8217;ve had to refax the same documents multiple times because&#8230; maybe the T&#8217;s weren&#8217;t crossed correctly?  Then I call back the following week to follow up only to find out that I have to resubmit <span style="text-decoration: underline;">UPDATED</span> docs because the first set is now outdated.</p>
<p>These institutions should be held accountable somehow for their wastefull practices and pure neglect for our natural resources not to mention the huge waste of the consumers resources&#8230; it is simply idiotic!  I have confronted them about this and they reply that they are completly electronic&#8230; they obviously don&#8217;t realize that the consumers are not typically as electronic as a billion dollar bank&#8230; we need to print a hard copy in order to fax it in!  And, they won&#8217;t except emails you have to fax it in! </p>
<p>They should have to plant 3 trees for every file they start and don&#8217;t approve!</p>
]]></content:encoded>
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		<title>Has Your Real Estate Agent Failed To Deliver?</title>
		<link>http://www.rosenprop.com/blog/2010/05/24/has-your-real-estate-agent-failed-to-deliver-2/</link>
		<comments>http://www.rosenprop.com/blog/2010/05/24/has-your-real-estate-agent-failed-to-deliver-2/#comments</comments>
		<pubDate>Mon, 24 May 2010 23:14:20 +0000</pubDate>
		<dc:creator>Dick Rosen</dc:creator>
				<category><![CDATA[Fire Damage]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Minnesota Real Estate]]></category>
		<category><![CDATA[Real Estate Agents]]></category>
		<category><![CDATA[Relocation]]></category>
		<category><![CDATA[Vacant Property]]></category>
		<category><![CDATA[C4D]]></category>
		<category><![CDATA[Contract For Deed]]></category>
		<category><![CDATA[Divorce]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Insuarance]]></category>
		<category><![CDATA[job loss]]></category>
		<category><![CDATA[job relocation]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[real estate agent]]></category>
		<category><![CDATA[relocating]]></category>
		<category><![CDATA[Selling on Lease Option]]></category>
		<category><![CDATA[stop foreclosure]]></category>

		<guid isPermaLink="false">http://www.rosenprop.com/blog/?p=143</guid>
		<description><![CDATA[When you told your real estate agent that you needed to sell your house, you probably heard great stories about how it would sell in no time, at a great price. But, that&#8217;s NOT how it&#8217;s worked out. Instead of hearing great stories, now you&#8217;re hearing great excuses for why your realtor hasn’t sold your [...]]]></description>
			<content:encoded><![CDATA[<p>When you told your real estate agent that you needed to sell your house, you probably heard great stories about how it would sell in no time, at a great price.</p>
<p>But, that&#8217;s NOT how it&#8217;s worked out. Instead of hearing great stories, now you&#8217;re hearing great excuses for <strong>why your realtor hasn’t sold your house</strong>: &#8220;It needs more bedrooms; you need to come down in price; the school district isn&#8217;t the best&#8221;, etc.</p>
<p><a href="http://www.rosenprop.com/contact-us">Contact Us Now!</a>  We&#8217;ll act quickly to give you a real solution.</p>
<h2>We Can Buy Your Home Fast, Your Realtor Can&#8217;t</h2>
<p>At this point, what you really need is to sell your house now. That&#8217;s where we come in: We aren’t interested in listing your house again; we want to buy it! We are professional real estate investors – not real estate agents. We&#8217;ve built our reputation over the years for quick action and fair prices. We can often give you even more than one solution to your problem.</p>
<p>You just want an honest, fair way to sell your house, without realtor excuses. That&#8217;s exactly what we&#8217;ll provide.</p>
<p><a href="http://www.rosenprop.com/contact-us">Contact Us</a>    |    <a href="http://www.rosenprop.com/sell-your-home/seller-request-form">Complete the Seller Request Form</a></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Has Your Real Estate Agent Failed To Deliver?</title>
		<link>http://www.rosenprop.com/blog/2010/02/03/has-your-real-estate-agent-failed-to-deliver/</link>
		<comments>http://www.rosenprop.com/blog/2010/02/03/has-your-real-estate-agent-failed-to-deliver/#comments</comments>
		<pubDate>Thu, 04 Feb 2010 02:58:09 +0000</pubDate>
		<dc:creator>Dick Rosen</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Minnesota Real Estate]]></category>
		<category><![CDATA[Real Estate Agents]]></category>
		<category><![CDATA[Real Estate Investor]]></category>
		<category><![CDATA[Relocation]]></category>
		<category><![CDATA[Rosen Properties News]]></category>
		<category><![CDATA[Vacant Property]]></category>
		<category><![CDATA[C4D]]></category>
		<category><![CDATA[Contract For Deed]]></category>
		<category><![CDATA[Divorce]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[job loss]]></category>
		<category><![CDATA[job relocation]]></category>
		<category><![CDATA[Lease Option]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[real estate agent]]></category>
		<category><![CDATA[realtor]]></category>
		<category><![CDATA[relocating]]></category>
		<category><![CDATA[Rent]]></category>
		<category><![CDATA[Rent-To-Own]]></category>
		<category><![CDATA[selling on a lease option]]></category>
		<category><![CDATA[Selling on Lease Option]]></category>
		<category><![CDATA[stop foreclosure]]></category>

		<guid isPermaLink="false">http://www.rosenprop.com/blog/?p=118</guid>
		<description><![CDATA[When you told your real estate agent that you needed to sell your house, you probably heard great stories about how it would sell in no time, at a great price.]]></description>
			<content:encoded><![CDATA[<p>When you told your real estate agent that you needed to sell your house, you probably heard great stories about how it would sell in no time, at a great price.</p>
<p>But, that&#8217;s NOT how it&#8217;s worked out. Instead of hearing great stories, now you&#8217;re hearing great excuses for <strong>why your realtor hasn’t sold your house</strong>: &#8220;It needs more bedrooms; you need to come down in price; the school district isn&#8217;t the best&#8221;, etc.</p>
<p><a href="http://www.rosenprop.com/contact-us">Contact Us Now!</a>  We&#8217;ll act quickly to give you a real solution.</p>
<h2>We Can Buy Your Home Fast, Your Realtor Can&#8217;t</h2>
<p>At this point, what you really need is to sell your house now. That&#8217;s where we come in: We aren’t interested in listing your house again; we want to buy it! We are professional real estate investors – not real estate agents. We&#8217;ve built our reputation over the years for quick action and fair prices. We can often give you even more than one solution to your problem.</p>
<p>You just want an honest, fair way to sell your house, without realtor excuses. That&#8217;s exactly what we&#8217;ll provide.</p>
<p><a href="http://www.rosenprop.com/contact-us">Contact Us</a>    |    <a href="http://www.rosenprop.com/sell-your-home/seller-request-form">Complete the Seller Request Form</a></p>
]]></content:encoded>
			<wfw:commentRss>http://www.rosenprop.com/blog/2010/02/03/has-your-real-estate-agent-failed-to-deliver/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Worse Mortgage Crisis Coming</title>
		<link>http://www.rosenprop.com/blog/2009/11/30/worse-mortgage-crisis-coming/</link>
		<comments>http://www.rosenprop.com/blog/2009/11/30/worse-mortgage-crisis-coming/#comments</comments>
		<pubDate>Tue, 01 Dec 2009 05:35:14 +0000</pubDate>
		<dc:creator>Dick Rosen</dc:creator>
				<category><![CDATA[Foreclosures]]></category>

		<guid isPermaLink="false">http://www.rosenprop.com/blog/?p=105</guid>
		<description><![CDATA[The last mortgage crises was led by sub-prime loans. The next mortgage crises is being led by the â€œhigher qualityâ€ loans; Alt A loans, interest only that are now converting to interest plus principle loans loans and Option Arm loans that started out with unreasonably low â€œteaser interest ratesâ€ that will now adjust up like [...]]]></description>
			<content:encoded><![CDATA[<p>The last mortgage crises was led by sub-prime loans. The next mortgage crises is being led by the â€œhigher qualityâ€ loans; Alt A loans, interest only that are now converting to interest plus principle loans loans and Option Arm loans that started out with unreasonably low â€œteaser interest ratesâ€ that will now adjust up like the sub-primes did.</p>
<p><img src="http://www.oftwominds.com/photos07/mtg-resets-IMF.jpg" alt="" /></p>
<p><object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="560" height="340" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="allowFullScreen" value="true" /><param name="allowscriptaccess" value="always" /><param name="src" value="http://www.youtube.com/v/oqYI6N40uIU&amp;hl=en_US&amp;fs=1&amp;" /><param name="allowfullscreen" value="true" /><embed type="application/x-shockwave-flash" width="560" height="340" src="http://www.youtube.com/v/oqYI6N40uIU&amp;hl=en_US&amp;fs=1&amp;" allowfullscreen="true" allowscriptaccess="always"></embed></object></p>
<p><a href="http://www.youtube.com/watch?v=oqYI6N40uIU"></a></p>
]]></content:encoded>
			<wfw:commentRss>http://www.rosenprop.com/blog/2009/11/30/worse-mortgage-crisis-coming/feed/</wfw:commentRss>
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		</item>
		<item>
		<title>Behind On Mortgage Payments? Need To Stop Foreclosure?</title>
		<link>http://www.rosenprop.com/blog/2009/10/28/behind-on-mortgage-payments-need-to-stop-foreclosure/</link>
		<comments>http://www.rosenprop.com/blog/2009/10/28/behind-on-mortgage-payments-need-to-stop-foreclosure/#comments</comments>
		<pubDate>Wed, 28 Oct 2009 16:33:48 +0000</pubDate>
		<dc:creator>Dick Rosen</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Divorce]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[job loss]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[stop foreclosure]]></category>

		<guid isPermaLink="false">http://www.rosenprop.com/blog/?p=80</guid>
		<description><![CDATA[When you got your mortgage, you could handle your payments. But life has a way of turning things upside down. Divorce, health problems and job loss can leave you in a position where you fall behind on mortgage payments. Unfortunately, the bank doesn&#8217;t allow partial payments. They want it all, and they want it now, [...]]]></description>
			<content:encoded><![CDATA[<p>When you got your mortgage, you could handle your payments. But life has a way of turning things upside down. Divorce, health problems and job loss can leave you in a position where you fall behind on mortgage payments.</p>
<p>Unfortunately, the bank doesn&#8217;t allow partial payments. They want it all, and they want it now, despite circumstances beyond your control.</p>
<p><a href="http://www.rosenprop.com/contact-us" target="_blank">Contact Us Now!</a>Â  We&#8217;ll act right away to help you solve your financial puzzle!</p>
<h2>We Can Help Your Mortgage Payment Situation</h2>
<p>When you&#8217;ve tried your hardest, but are still falling <strong>behind on mortgage payments</strong>, what you need is our experience. We&#8217;ve helped other families to get their finances back on track. That&#8217;s what we do.</p>
<p>If you&#8217;ve been staying up late at the kitchen table because youâ€™re falling behind on mortgage payments and wondering if there was another way out â€¦you&#8217;ve come to the right place. Let us give you some options that nobody ever told you about.</p>
<h2>Need To Stop Foreclosure?</h2>
<p>If you&#8217;ve been served with papers that threaten foreclosure, you don&#8217;t have much time. Even if your situation is due to health problems, a lost job, or other things out of your control, the sad truth is the lender doesn&#8217;t care.Â  We can help you <strong>stop foreclosure on your home</strong>.</p>
<p>You haveÂ options other than foreclosure!Â  <a href="http://www.rosenprop.com/contact-us" target="_blank">Contact Us Now!</a>Â  It&#8217;s urgent that you act fast to prevent the sheriff from appearing at your door with a foreclosure eviction notice.</p>
<h2>We Can Help Stop Foreclosure</h2>
<p>We&#8217;re real estate problem solvers, and might be able to <strong>stop foreclosure</strong>. We aren&#8217;t just another real estate agency that wants to list your house and make you wait. Instead, we&#8217;re real estate investors that know how to act quickly AND provide clear, fair solutions to stop foreclosure.</p>
<p>You have absolutely nothing to lose, and everything to gain by contacting us. We&#8217;ll tell you what solutions we can offer to stop foreclosure on your house.</p>
]]></content:encoded>
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		<item>
		<title>Tenant/Buyers Beware</title>
		<link>http://www.rosenprop.com/blog/2009/10/15/tenantbuyers-beware/</link>
		<comments>http://www.rosenprop.com/blog/2009/10/15/tenantbuyers-beware/#comments</comments>
		<pubDate>Fri, 16 Oct 2009 04:53:01 +0000</pubDate>
		<dc:creator>Dick Rosen</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Real Estate Investor]]></category>
		<category><![CDATA[Rosen Properties News]]></category>
		<category><![CDATA[C4D]]></category>
		<category><![CDATA[Contract For Deed]]></category>
		<category><![CDATA[Lease Option]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Rent]]></category>
		<category><![CDATA[Rent-To-Own]]></category>
		<category><![CDATA[Selling on Lease Option]]></category>

		<guid isPermaLink="false">http://www.rosenprop.com/blog/?p=68</guid>
		<description><![CDATA[As an investor, don't abuse the system... as a tenant/buyer, beware, there are some bad people out there!]]></description>
			<content:encoded><![CDATA[<p>I had a really long conversation with a &#8220;Taken Advantage Of&#8221; tenant/buyer tonight. She talked and I listened for almost an hour.Â  She moved in as a tenant/buyer with some money down, then they converted her to a C4D with more money down.Â  Then they refinanced the property to pull out all equity and quit making payments.Â  The bank soon kicked out the tenants and foreclosed.Â  While the so-called owner has disapeared in Mexico.</p>
<p>Please don&#8217;t get caught up in one of these deals as a tenant/buyer or an investor.Â  Know who you&#8217;re working with and make sure you can trust them.Â  This kind of thing just makes us all look bad, fortunately this person knew the differance between good investors and bad.Â  If your not sure about who your working with and just want a 2nd opinion, contact Rosen Properties, LLC</p>
]]></content:encoded>
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