Don't make the costly mistake of buying or selling a home and thinking that everyone involved in the transaction is on your team.
Do you know that millions of dollars are wasted every year because new and even experienced home buyers and sellers are getting legally taken advantage of by real estate agents, lawyers, brokers, closing agents and everyone else who has their hand out?
How many people do you know who don't have any idea that a lot more than the price of the property is negotiable during a real estate transaction? Miss out on this secret information and you end up being taken advantage of!
Let me show you how EASY it can be to save possibly hundreds, even thousands, whether you are buying or selling a home.
Dear Property Seller or Buyer,
If you're like most people, you may be aggressive when it comes to negotiating the asking or selling price of a home, but you meekly fall into line and start paying whatever is asked of you on your trip to the closing table.
The chances are good that you think all of the fees involved in a real estate transaction are carved in stone, and you have to pay the asking price if you want to get the deal closed. But do you know that even though some of the fees are regulated by law, for the most part, it's the modern day equivalent of the Wild, Wild West when it comes to all the rest.
Believe it or not, whether you are buying or selling a home in today’s fickle economy, there are plenty of ways to save money – lots of money. But you’ll only save IF you know where to look.
The problem is, there are a lot of hungry mouths to feed in the average real estate transaction food chain, and all of the insiders have no intention of giving themselves pay cuts by showing you where and how you can save money.
There are only 2 ways to know exactly which fees are negotiable and how low you can go without leaving any extra money on the table...
You can spend years learning all of the insider secrets of the real estate industry. Or... You can get lucky enough to have a real estate insider spill those secrets to you.
Today's the day you get lucky...
Hi,
My name is Andrew Dubinsky. I'm the founder and CEO of [Encomia](http://www.encomia.com/company.aspx), a technology company that provides electronic mortgage processing to the real estate industry. I am an industry-recognized authority on eMortgages and eMortgage technology.
When you sit at the end of the mortgage documentation trail like I do, you see a lot of discrepancies between what borrowers and sellers are charged for things like real estate agent commissions, closing costs, legal fees, property insurance and more.
In fact, the more real estate transactions I reviewed, the more I realized that something was definitely wrong.
I Discovered The Possibility That Two People Could Buy Nearly Identical Houses, In The Same Neighborhood And For The Same Price, And One Of Them Could End Up Paying Thousands More By The Time They Reached The Closing Table!
I even discovered that there was a big difference in costs depending upon what day of the month the closing was held!
After carefully checking and double-checking my theory, I ended up making a chart detailing all of the different variables that went into the total cost of buying or selling a home. Then, I painstaking went through thousands of mortgage transactions and made a list of what each buyer and seller paid for every item on the chart. In many cases the differences ranged between several hundred dollars to several thousand. I even saw transactions where the cost difference was nearly $10,000!
That's when I decided to rip the lid off of the real estate industry's dirty can of secrets and spill the truth to the world.
And that's why today is your lucky day.
Introducing:
Closing Secrets
The in-depth, step-by-step guide that explains exactly why you are paying too much in real estate commissions and closing fees and shows you how to beat the real estate industry at its own game
Designed to be a quick and informative read, it's 38 pages of just-the-facts information that will take you step-by-step and teach you how you may be able to save a pocketful of money no matter if you are buying or selling a home and regardless of how experienced or inexperienced you are.
Closing secrets is fact-filled and informative.
It's designed for anyone who wants to:
Learn the insider secrets of the real estate industry.
Recognize when they are being charged too much in fees and commissions.
Save hundreds or even thousands of dollars when buying or selling a home.
Wouldn't you love to walk away from the closing table with more money in your pocket than someone who paid the exact same price for an identical home in the same neighborhood?
Get ready to discover how to lower your real estate transaction costs without breaking a sweat and without needing a lifetime of experience in the real estate industry.
It doesn't take long to learn how to beat the real estate fee game. In fact, if you're an average reader, you can probably finish Closing Secrets in under one day. But what a day that will be.
You will gain the knowledge necessary to possibly reduce the costs of buying or selling a home by hundreds or even thousands of dollars!
Most people who [buy this book ](#buy)do so because they already have a sneaking suspicion that they have been or are about to be taken advantage of while participating in the most expensive transaction they are likely to be involved in. They want to know what's coming and how to defeat the tactics used by real estate agents, brokers, lawyers, closing agents and everyone else in the "pay me" food chain. If that's what you want, [get your copy](#buy) of Closing Secrets right now.
Up to 70 percent of (real estate) transactions are reported as overcharged in recording fees and individuals who have been overcharged on the settlement statement are not refunded monies owed to them. Nationwide, hundreds of thousands of people every year have been overcharged. This could add up to millions of dollars in overcharges...
-- www.lawyersandsettlements.com
And it's not just improper recording fees that are ripping millions of dollars out of unsuspecting people's wallets every year. If you are serious about keeping more of your money in your pocket whether you are buying or selling a home, you MUST [download Closing Secrets](#buy) RIGHT NOW.
How would you like to spend a day or less of your time to discover exactly how to reduce the amount you pay to buy or sell your home by perhaps hundreds or even thousands of dollars?
I think that Closing Secrets is the best course available on the subject that you'll ever read.
You really need to do the right thing for your wallet and [download](#buy) a copy of Closing Secrets right now.
You'll discover the answers to all of these questions and more...
Do you know how to find a real estate agent who is willing to work for a reduced commission? Are you aware that there are two little-known web sites where reduced-fee agents advertise their services? See Page 4
Why should you run away from any real estate agent who can't show you something with their name on it and these 3 special letters? See Page 5
Can the words "if" and "may" will change the commissions you pay IF you use them at exactly the right moment? See Page 5
What do you think "Best Buy®" and other retail stores have to do with the commission you pay your realtor? See Page 8
How does "unbundling" affects what you pay for your home? Is it even legal in your state? See Page 9
Do you have any idea about the kinds of pricing games realtors play on Friday and why they won't play them on Sunday? See Page 13
Have you heard about these other legal but low-down ways that buyers and sellers get taken for a ride? See Page 13
Do you know the secret of using the Multiple Listing Service (MLS) to YOUR benefit and against the realtor's? See Page 14
Have you thought about why you should be searching the For Sale By Owner ads even if you plan to use a realtor?
See Page 14
Do you know why the U.S. Government's "HPI" report is a buyer's best friend?
See Page 15
Can you decipher the code words that realtors use so you can determine how eager the seller is to get out of their house?
See Page 16
Has anyone told you about the very first deduction that any buyer should ask for and how to make a bullet-proof case for receiving it?
See Page 18
Do you know the three questions to ask ANY settlement company before allowing them to represent you?
See Page 19
Has your Realtor told you this about the settlement company and why not being told can hurt you?
See Page 20
Do you know why understanding how the settlement company makes money can save YOU money?
See Page 22
Has anyone ever explained to you the secrets to demystifying the HUD paperwork and the most important lines that you absolutely must pay close attention to?
See Page 23
Do you think there is any chance of the title agent pointing out to you the fees on the HUD document that are negotiable even if you are already at the closing table with a purchase and sale agreement in hand?
See Page 30
How can a day makes a big difference when it comes to scheduling your closing? Why will you ned up paying more if you pick the wrong one?
See Page 35
When's the last time anyone shared insider secrets on other ways to save money on things you'd never imagine possible like taxes and utilities?
See Page 37
These are just some of the things you'll discover about how to avoid being taken advantage of when you [download](#buy) your copy of Closing Secrets for just $20.
Closing Secrets is available for immediate [download](#buy) for just $20. Owning this course just may be the fastest and easiest way to possibly save hundreds, even thousands or dollars whether you are buying or selling a home.
Even though I know that Closing Secrets just may be the fastest and easiest way to possibly save hundreds, even thousands or dollars whether you are buying or selling a home, maybe you're not convinced.
That's why I'm going to remove ALL of the risk so you'll have no problem making up your mind!
My Iron-Clad Money-Back Guarantee
Simply [download your copy](#buy) of Closing Secrets right now for just $20. Then take a FULL 60 DAYS to read it and digest all of the information found inside.
Then, if this course isn't everything that I say it is; if it isn't everything that you HOPE it is, just let me know anytime within 60 FULL DAYS and I'll give you your money back.
That's how convinced I am that this may very well be the best course on how to possibly save hundreds, even thousands of dollars whether you are buying or selling a home that you'll ever read.
That's right. You can [download Closing Secrets right now](#buy) for just $20 and take a FULL 60 DAYS read it from start to finish. Then, if you decide that Closing Secrets isn't everything I say it is; if it isn't everything you HOPE it is, simply tell me any time within 60 FULL DAYS and you'll get your money back. We'll part as friends. It doesn't get any better than this. You have nothing to lose!
"This book is a magician revealing all the tricks."
--Ashley Patten, Closing Agent
HERE'S YOUR OPPORTUNITY TO [LEARN EXACTLY](#buy) HOW TO BEAT THE REAL ESTATE INDUSTRY AT ITS OWN GAME WITHOUT HAVING TO SPEND YEARS AS AN INDUSTRY INSIDER.
[I want to discover all there is to know about how to possibly save hundreds, even thousands of dollars buying or selling a home.]
I realize you're willing to back up your claim that your course represents my best chance of beating the real estate industry at its own game by offering me a FULL 60 DAY NO-QUESTIONS-ASKED -- ABSOLUTELY NO-RISK MONEY BACK GUARANTEE.
Based on that, please accept my order for one copy of Closing Secrets
[](http://1.adubinsky.pay.clickbank.net)
Now's the time to take advantage of this valuable No Risk Offer and discover all there is to know about how to possibly save hundreds, if not thousands of dollars regardless of whether you are buying or selling a home.
So, if you really are serious about saving money, you MUST [download](#buy) Closing Secrets RIGHT NOW.
Do the right thing for your wallet and [download](#buy) your copy of Closing Secrets right now. You'll will be amazed at how many ways the real estate industry reaches into your pocket any time you buy or sell a home.
Sincerely,
Andrew Dubinsky
info [at] closing-secrets.com
Author & Real Estate Industry Expert
Copyright Andrew Dubinsky, All rights reserved 2008 info [at] closing-secrets.com
