[show_news_segments]

Mortgages are Upside Down all across America.  

So is our programmed thinking.  

Every community has regular homeowners who don’t know what to do because they owe more than the value of their home.  And often that’s based on what they think - hope - its worth.  Trouble is the way we are programmed to think often keeps us “behind the curve”.

That’s part of what’s left OWNERS as slaves to their mortgages.  That’s Upside Down, too.  There’s no American Dream in that.  There’s no Freedom there, either.  There’s no financial or personal Freedom.  That’s what I teach. 

The near and medium term horizon shows that home values will continue to deteriorate.  There’s no disputing that.  It’s reality.  Many just don’t know what to do.

It’s easy to see how Upside Down thinking led people to believe that homes “pay us” money.  Yet, that’s the path nearly everyone followed.  It wasn’t prudent - that’s obvious in hindsight.  Americans were eager to take the “cheap” money through a quick refinance, then another refinance later.  Few stopped to think about the $7K or $10,000 it was COSTING them.  I coined the term - several years ago - “serial refinancing.”

I’m not indicting anyone - millions did it.  “Equity lines” were ridiculously low - around 4%.  Until they doubled at the same time the market had already peaked.  A lot of folks were left stuck.

Now that values are down - many still don’t comprehend the magnitude of the situation.  Look at this ( and while you do, think - who thinks through to this level?  and who dares to tell the truth this way? … ):

Home values are DOWN.  Let’s say - in a certain area - that number is 15%.  

I say 15% because its close to a round number that is thrown about in the local market where I live.  In most cases, this means the median price in the area is down that 15%.

What was a $230K median priced home is now selling around $195,000.  

WRONG.  That’s FAR from the whole story.  

What’s not told is that the $195,000 home is usually a much NICER home than the $230,000 home at its peak.  They aren’t the same home.  Trust me, there’s more I won’t get into here.  The ordinary assumptions people are programmed to take are influenced by what we listen to.   And who we listen to. 

That’s why in a buyer’s market - I see some buyer’s missing the boat still.  That’s absurd.

Its all in the Free From Real Estate Guide coming soon.  And what can be done - to not ever miss with the real estate decisions we make.  Experts often say they have “secrets” to share.  That can be hype. 

Not here.  I just gave away an obvious point - no one talks about inside or outside real estate - the market is worse than 15% here.  I will give two other reasons in my guide that this is true - other than the one I just pointed out that the median priced home does not mean they are EQUAL homes. 

Most important - I reveal what can be done to better understand and leverage any future decisions surrounding real estate.

Understand, my Guide is not against real estate.  To the contrary, real estate is how a huge percentage of people who create their own wealth DO IT.  That’s fact.  Its also not accidental.  Those made wealthy do it by UNDERSTANDING the principles of real estate.  These principles aren’t complicated.  Everyone else gets left behind.

That’s unfortunate because, as I said, the principles aren’t complicated.  They also don’t change.

Here’s a little bigger picture.  The same types of mistakes people often make in the decisions about buying or selling (when to buy, when to sell, what price to offer or take, who to choose as an agent, and much more) real estate repeat themselves when people look to finance a purchase or refinance an existing mortgage.

Here’s what that does.  Even a small or medium mistake in a purchase (like, “whoops I paid too much”) can get much more complicated with financing that doesn’t fit on top.  That happens everyday.

Two wrongs don’t make a right.  They can make a HUGE mess.

That’s what a lot of homeowners face now - upside down mortgages they are paying on - sometimes against ARMS or balloon loans.  That’s a stuck spot.  Neighbors foreclose pulling values still lower.  I call that the NEW SUBPRIME. 

No one talks about that.  No one offers a better way to think.

I still see the same tired local seminars even today and DVDs and books at the bookstore and late night commercials pumping programs:

How to Buy with little or NOTHING.  How to Leverage of Reposition your Equity.  How to Buy a Dream Home.  Financing Investment Properties.  I could write forever.

Here’s the issue - the folks who put these seminars forward benefit when they SELL you a property or a loan.  The way we find our information is Upside Down.  I will show you how it really works in my Guide.  The bottom line is - something different can be done about it.  Better decisions can be made.

There’s actually a much larger angle, too.  The same way we are programmed to think with the choices that lead us to real estate mistakes are repeated in other huge areas of our lives.  Other decisions about our money, our work, our relationships are often made the same way - looking at these situations Upside Down.

Its a fact that because a lot of people are hurting from real estate situations - they will go and make another decision that does not solve much - definately not enough.  They do it just to do SOMETHING.  

Usually, it can even be felt - it is a halfway measure.

Some even follow something they believe is too good to be true - but they are desperate. 

That makes me feel bad for them.  There is a better way.  Its time to take ownership in our decisions.  No victims allowed.  There’s no other way - at least not good ones.

Its time to see our choices Right Side Up.  Its time to get informed about our financial course.  Its time to see ahead on the real estate decisions we make.  The same goes for our jobs, career, business opportunities.  Ditto with our money.  The way our personal relationships are managed can use a makeover too.

That sounds like a lot for some.  Some only want to do a little.  Its up to you how you take it.  

I lay out steps that people can follow in the coming Free From Real Estate Guide.  I guarantee a tell all and there are “real” secrets I reveal that will be understood even by life long real estate professionals.  Its not business as usual.

Actually - I will share one small teaser.  Its so gotten so difficult for a lot of regular people and for real estate professionals with serious careers …

That it turns out - its so violent and tough - this could be the best thing that’s happened for some.

It’s just time to see Right Side Up.  You should sign on for our FREE eNewletter today.