This book will truly teach you 30 years of combined experience from Megan and Zeke! if you want to BUY, SELL or SAVE your home this is the book for you! After going through a financial crisis in 2007-2009 Megan realized there was no one out there to help that does not have a biased opinion; so Megan decided to take all the nasty and good things she had learned and truly help people across the country! Megan has seen the worst financially, bounced checks, tax liens, Bankruptcy, pawning jewlery . . . everything as a financial planner she cringed at she now had experienced and overcome By the Grace of GOD. Megan and Zeke did overcome the worst financial crisis they could have imagined so Megan decided to help the rest of the world by teaching all the ways to get in and out of homes along with other fantastic financial secrets no one in the financial world wants you to know about! This book will not only help you buy, sell or save your home but after reading it you will have more knowledge than 90% of people out there on Real Estate! It will give you the basic tools to help yourself and be able to make the best decision for you! Megan and Zeke believe in Prosperity through charity therefore 50% of book profits go to help people in financial crisis.

Real Estate The American Dream? Or Nightmare?

Creative Solutions and Secrets for Buying, Selling and Saving your Home!By Megan Zucaro

AuthorHouse

Copyright © 2012 Megan Zucaro
All right reserved.
ISBN: 978-1-4670-4176-8

Contents

CHAPTER 1: Foreword—the MegaZee story: Megan and Zeke.............................................................................................................................1CHAPTER 2: The American Dream overview—We Are supposed to Achieve our Dreams in America...........................................................................................5CHAPTER 3: The American Nightmare—Americans Are Losing their Homes every Month....................................................................................................8CHAPTER 4: Homeowners tax Credit—the Government Is Giving You Money...............................................................................................................13CHAPTER 5: Buying a Home—It Is not that Hard......................................................................................................................................14CHAPTER 6: Selling a Home—It Is not that Hard When You're Creative................................................................................................................35CHAPTER 7: Banks versus Brokers.........................................................................................................................................................50CHAPTER 8: Realtors—Do You need A Realtor?........................................................................................................................................54CHAPTER 9: FsBo—Yes! You Are Smart Enough to Sell Your Home.......................................................................................................................68CHAPTER 10: Short sales—Yes! It Will Affect Your Credit...........................................................................................................................84CHAPTER 11: Pre Foreclosure—save Your Home—Don't Give Up—Figure out what is best for you and your Family ... no one knows your situation but YOU!.....................106CHAPTER 12: Modification Plan—You Can Get Your Home Modified......................................................................................................................119CHAPTER 14: Mortgage Information—All the secrets they Don't Want You to Know......................................................................................................147CHAPTER 15: The Mortgage and the offer—the Wedge, Make offer and If you are not embarrassed by your initial offer it is too high!.................................................153CHAPTER 16: The Closing—the Final Day.............................................................................................................................................161CHAPTER 17: Finding the Home—It Is so simple......................................................................................................................................166CHAPTER 18: Creative Financing—Any one Can Buy a Home.............................................................................................................................170CHAPTER 19: Five Reasons to Invest in Real estate.......................................................................................................................................180CHAPTER 20: Your Future—the Real truth............................................................................................................................................182

Chapter One

Foreword—the MegaZee story: Megan and Zeke

Oh My Gosh! We got started in 1996, investing into real estate and we sure thought we were the King and Queen, we were acquiring homes left and right, and we knew we were the next TRUMP. It was all bliss and it was at the young age of 26, until we sold our Mortgage Company in 2007 to a Publicly traded Company and they decided to go Under—Banko. Yes, leaving us with no income, no business, and a huge mess. Most people would have lost their mind; instead, we fought back tooth and nail to protect our dignity and reputation. It was so painful having to save a successful business and lots of Real estate (30 Homes at the time), but I refused to give up and went on a mission to save and as many houses and get some type of financially normalcy back into our lives. After 12 years of building the business and being blessed beyond our imagination we never would have thought something like this could have happened to us and ALL WHILE BEING MRS. TEXAS it was a crazy 24 months. The catastrophe lead us to our Radio show, speaking nationally about Real estate and developing a new improved Real estate entrepreneurial business now with a 4, 5, and 6 year in tow.

Our Determination to help people save their homes and learn new ways to buy and sell homes has helped thousands of people across the nation. We have seen it all, nothing scares us any more we have had to pawn our wedding rings, we have had to use overdraft we have had to file BK we have had to get a title loan we have had our bank accounts levied, we have had to make payments to the IRS we have had to modify loans we have had to short sale a house we have had to borrow money we have been so broke we had to share McDonalds meals. The bottom line is you can get through the FINANCIAL MESS THAT THE WORLD AROUND US SOMETIMES CREATES do not give up, use this book as a source to help you through our pain and suffering and school of hard knocks! It is OK we are doing super and we are stronger and smarter.... That is why we made a commitment to help the world get out of sticky situations and uncomfortable situations as graceful as possible remember; everyone has their ups and downs YOU MUST GET UP Financial stress is one of the most stressful situations people deal with but it is not worth ruining your life over. Enjoy the stories and lessons and we hope we help you find your goals in Real estate as we helped thousands of others just like you; therefore last but not least.... I can help you with your personal situation you can call me or email me and I will always get back to you, I could never write a book to help everyone's situation but I can take your call and email and help you as I have helped thousands already and it is confidential so let me know what I can do call me at 254.534.1953 Megan or email me at m@megazee.com. I have learned that I have so much knowledge that helps other people that I want to HELP YOU as no one could do for me and Zeke no catch no twist just good old Minnesota nice, I believe what comes around goes around and I don't want ANY ONE TO GO THROUGH WHAT WE WENT THROUGH IN 2008 it is too stressful! I have saved hundreds of people's homes by word of mouth and helped a lot of people get into homes that were told they never could own a home and helped lots of people get houses with no money down after being foreclosed on their personal home. I can help you too. Remember to keep the FAITH it has what got me to this point today. You hear real life funny stories and see why we have made the decision we made and why this book took two years to finish because every day I learned something new living through the nightmare! However we are better humans and have had the chance to really change other human's lives.... THAT IS WHAT IT IS ABOUT ... RIGHT! Fifty percent of...