Timothy E. Lockhart - YOU HAVE OPTIONS: YOUR GUIDE TO AVOIDING FORECLOSURE

costs into account to come up with a listing price.

Don’t: Sell your home to a wholesale investor

• Not all investors are the same. Wholesale Investors always make lowball offers. This is because investors have no emotional attachment to a house because they don’t intend to live in it, or even close. They simply want to buy it and flip the contract to another investor for profit. Their only concern is capitalization rates and return on investment. Long-Term Buy and Hold investors intend on fixing or maintaining your home and providing quality housing for tenants who are not able to purchase making them much better buyers. Potential homeowners, however, are looking for a home. They need to be able to visualize themselves happy and at ease, enjoying the sunset through the picture window, watching televised sports in the “man cave,” or sipping wine in front of the fireplace. Who wouldn’t pay top dollar for that satisfaction?

Don’t: Fall for scams

• Remember, real help from the government is always free. Beware of mortgage-relief scammers, especially if they ask for a fee in advance. • If you’re contacted by a scam artist, file a complaint by contacting the Federal Trade Commission (FTC). If the scam involves bankruptcy, contact a local U.S. Trustee office. • According to the federal website USA.gov, scam operators find potential victims in several ways:

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