One Thing Banks Do Want to Finance - Owner-Occupied Commercial Real Estate

As bad as the economy is and even though the slow climb out of the recession is probably going to cause more small businesses to fail, one particular item that banks are still willing to finance is owner-occupied commercial real estate. Most other types of credit for small businesses - working capital being a prime example - have become very difficult to get. But for businesses that might be doing well enough to qualify for financing and are currently renting their space, this is one of the best times in a very long time to buy a building.

The commercial real estate crash, with overall commercial real estate prices down almost 40% below their peak in 2007, has created a large supply of buildings at prices lower than have been seen in recent memory. To a bank, a building occupied by a business owner is about as good a risk as can be found in today's economy. Then add to that the fact that even though there may be a little more downside left in prices, there is much more upside potential as the economy continues to pull out of the recession. So add together an unusually large supply of buildings, and banks aggressively competing for this type of business, and a business owner has a real opportunity at this time to acquire space to grow their business.

Making it even more attractive for banks that are comfortable with SBA lending is the fact that banks can get 75% of their loans guaranteed, so SBA loans become even more attractive as a means to accomplish a building purchase. And for the potential business owner-borrower, the fact that SBA allows a 25-year amortization on commercial real estate usually means lower monthly payments on loans that also cannot be called. So for small business owners needing expansion, this is a very unique opportunity in recent economic history.

Doug Carleton has worked in SBA lending since 1994, is a nationally published expert in financing for the bed and breakfast industry, and has spoken on bed and breakfast financing as well as SBA and small business financing as well as. He consults regularly with small business owners on matters related to financing.

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Land Auctions - Ease of Use Makes Them Popular

The internet has changed our lives forever in so many ways that you could write books upon books about it. As an example, most people don't even go to their banks anymore and instead do all their banking online. There are people that haven't set foot in a bank in the last decade. Then you have other scenarios that may not be as popular but also have been changed. Say for example you want to buy a piece of land. Used to be you would have to call a real estate office or visit them in person, not anymore. Nowadays there are land auctions that are available online and you can buy land from the comfort of your own home without ever contacting a real estate company.

There are many options out there for you when you are interested in buying a piece of land. You can of course still go the traditional route and talk to a company that has the experience you may lack. You will also pay for their services in one way or the other usually in closing cost fees. A land auction online is the way to go for most people. A lot of times the land has been foreclosed on and can be had for a great price.

A lot of people in the business of flipping land will use land auctions. They do this because they can get it at a reduced rate. A piece of land up for auction is no doubt a piece of land that the previous owner wants to get rid of at any price and there are more then enough people out there willing to buy it.

To get some more land auction information, please visit this link.

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Manzanillo Mexico Real Estate - A Safe Bet With Beautiful Results

Manzanillo is a port town located in Mexico. It's a fast-growing real estate market and perfect for retirees to set their sails and start a new life in a picturesque offshore location. The following article gives a nice overview of when, where, and how to find good opportunities that are also very safe. Safety is a huge issue to consider when looking at buying property in foreign locations, especially volatile spots like Mexico.

If you are wondering what makes Manzanillo Mexico real estate such a great investment, you need to look at the facts. First, Manzanillo is a place that has permanence. People have been consistently coming here for luxurious vacations for years, but it never reached the saturation point. Why? Because it is a well-kept secret, yet not so secret that it doesn't have followers. As a matter of fact, the elite have been enjoying Las Hadas beach for decades. Since the early 1970's, tycoons, celebrities, the wealthy, and the cultural elite have been flocking to this beautiful area for secret parties and vacations.

Over the years, Manzanillo Mexico real estate has gone through a number of transitions. While it started as being only for the wealthy and the elite, it is now for many different kinds of people from all over the world. The flights to Manzanillo are more than affordable, and the space one gets in a reasonably priced condo is out of this world. None of this is to speak of the amazing natural beauty of the beach or the nearby shopping, dining, and dancing.

What makes Manzanillo Mexico real estate such a wonderful investment is that it has been developing over the decades at a healthy rate. In today's economy, this is practically an anomaly because so many areas blow up and disappear. This area in Mexico, however, has had the opportunity to develop and mature so that it now has its own special character. If you are looking to buy vacation real estate that will pay off because it is safe and guaranteed to grow in value, Manzanillo is the place for you.

Troy Truman is an expert on Manzanillo Mexico real estate and related topics! To learn more, visit http://www.PuertoLasHadas.com today.

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Foreclosure Defense Is Mandatory for Many People Today

There are homes that are being taken with just a notice of foreclosure without going to court. People faced with a sudden eviction need foreclosure defense immediately. Foreclosure lawyers are willing to help you but the sooner you contact one the better chance that you have to save your home. A good foreclosure defense lawyer will work with your bank and try to negotiate a new mortgage with lower monthly payments, lower interest charges, and if possible try to get your back penalties forgiven.

It is not easy to save your home especially when you are given a notice of foreclosure and an eviction notice informing you that you only have a short period of time to leave your home. The shock to the family can be terrible; you are beside yourself on where to go and live, and about this time probably all your other bills are coming due. Do not let this stress get you down! Take the chance, stay in your home, contact a foreclosure lawyer, and make sure that you have your purchase agreement available.

One of the biggest mistakes made by people is walking away from their home with the assumption that they cannot fight the banks or lending institutions. You can fight and a lot of times people win! Please have heart and find out what foreclosure defense techniques that might help you save your home. The government has already enacted a couple of bailout programs geared to help the homeowner keep their homes. Fannie Mae the largest holder of mortgages has put forth a program to help the homeowners in order to save the homes and the banks. Also they instructed their attorneys to hold back on doing foreclosures on one family dwelling.

The Affordability and Stability Act protects the homeowner who has a job so that they can keep their home. A notice of foreclosure for some people is a real disaster especially in the state of Texas and other states that adhere to the Non-judicial Law covering foreclosure. These people have little to no protection to prevent losing their home in a foreclosure. Your foreclosure defense lawyer will need all your paper work concerning the purchase of your home. The states attorney general is questioning the tactics of the banks. Many people have a great fear of confrontation with banks and lending institutions that is why they won't challenge them when they are served a notice of foreclosure.

L. Weber has helped hundreds of homeowners by providing answers and solutions for their numerous foreclosure questions. Visit her insightful blog Secrets About Foreclosure to discover solutions and information on the latest government events, policies, and amendments about Home Foreclosure in America today.

Lauren works with the Bankruptcy Lawyers at the Dallas office of Allmand and Lee and answers the queries of many American homeowners about stopping foreclosure, winning foreclosure defenses, debt relief and solutions. Get legitimate help and find out how by visiting her blog now.

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