Normal risk turn in normal reward, Normal people end up with normal life.
FICO Score Is "Fu*k" Score
Re: Fw: Land contract to *****
Tuesday, April 14, 2009 12:21 PM
From:"E T <firstname.lastname@example.org
To: Perry" <perry@com
Message contains attachments
, PIC00014.JPG (595KB), PIC00002.JPG (214KB)
Thank you for your kindness.
As I maybe told you, everybody has his way to do business. Sure, I have mine. As a free individual, I don't give FICO a shit and I don't have to follow a book or code as a banker.
My way to sell my house is easy, simple and humanistic. I treat people as a human being, not a number such as FICO. I am willing to give our American poor folks a chance to buy their dream home.
At this difficult time, my next buyer told me they have had decent FICO but still no way to buy a home with bank financing (they do have more than 10% down. But every banker asks more than that! ) There are 3 people working 3 jobs (one is a manager in animal hospital) in the household and they currently pay $1,200 rent money to burn by no help in getting into their own house. After they buy my house, they'll pay only $700 a month and have a dream home with much bigger living space and better conditions.
I try all my best to help, such as helping them to remodel the house to fit their dream. My house is in move-in condition. But, they don't like the wall color, particularly carpet. The buyer's dream is all tile and wood floor. I let them use part of down payment to do whatever they want. Yes, no banker will take this approach and don't count their labor and improvements as a value into down payment. I do!
They won't have enough money to improve their property if they put everything into down payment. But I am different and I do give value to what they are so motivated to improve the property.
We are waiting to close the house sale by the end of this month. Before they move in, we try to beat the time to have a TV "Extreme Makeover" jobs done (even it is moderate one.) Enclosed is some pictures for what they are doing now and I participate to do part of floor at my leisure time as a hobby to have fun too.
Well, that is my way to recognize a real EXCELLENT home buyer who are so anxious to have a decent home for themselves. The most important to me is the valuable quality, only a human being can own spiritually, in their desire to take the responsibility to pursue a dream: to own a sweet home as it should be and to dare to work hard to get more out of their lives. In this modern society, it seems most of the people talk about material stuff such as money. I am dare to be different to highly appreciate mental power or dreaming will of a person. In fact, I almost ignore my buyers' FICO score in the past 5 years. Nobody screwed me up too (except one time I just follow my "big heart" to let one person move into my property without close of escrow. Now I learn a lesson from that.)
Look at the whole family members working so hard after their 9-5 jobs and weekend. I am so happy to have them as my buyers.
Anyway, I believe we'll end up normal or so-so if we do things the normal way other people do. No way to complain since we are normal and we'll get normal result as everyone of those stock fat cats played the same SWAP game by institutional codes 2 years ago which led us into "recession or depression."
--- On Tue, 4/14/09, Perry <perry@.com wrote:
From: Perry <perry@****.com
Subject: Re: Fw: Land contract to *****
Date: Tuesday, April 14, 2009, 10:56 AM
As always I wish you nothing but the very best and I hope
you accomplish your goals throughout all of life. Thanks for your
Thank you, my friend.
For your info, the contract is subject to my providing payor's SSN (not their satisfaction or approval of payor's credit.) BTW, the house is built in 1998, it is only 10 year's old (not 20 years old.)
I am still waiting for Henry's contract/ proposal to approve its content. Who knows what the result is? Maybe it is another case just like Kimberly's proposal without an escrow that I rejected before.
At least, my friend Perry, it is so nice to work with you. Also, I was invited by my buyer/ payor to have an Easter's dinner. Since he collect antique car and he would like to buy my 1990 Mercedes 560SEL at the time he bought my house if I sell the other house to go back to SoCal. He showed me his 1970 Mustang. That's my dream car at college. He asked me if there is a permit needed for a garage from county. He'd like to build a garage at the property. I told him it is not needed, but I will double check. It is true that no permit is required.
I have a good buyer who has taken care of the house: he re-painted the house and transferred it into a very modern style. Inside, he changed the wood frame into "sweet walnut" color and took all old-fashion frame and fixture including the fireplace frame out to replace with a modern accent. That's a lot of beautiful works in 2 months.
Thank you, Perry. Keep in touch. We don't have to do business together to be as friends, right?
If you want, you can propose your purchase to buy my other note of $73,000 just listed in ***.com or a back-up offer to the one we talked about, in case Henry's deal doesn't go thru.
Thank you again.
--- On Tue, 4/14/09, Perry <perry@***.com wrote:
From: Perry <perry@****.com
Subject: Re: Fw: Land contract to ******
Date: Tuesday, April 14, 2009, 10:03 AM
Just saw your new posting of your note on ****.com. I wish you
luck. No one I know will buy a note where no information is provided on
the payer plus the collateral is a 20 yr. old mobile home which is not
really favored as a single family home would be. If I can be of help to you
with the proposal I gave you let me know.