Over the past 10 years, I’ve worked with thousands of people to get them the credit they need to buy the homes they really want. Today, I start with this warning:

If you’re hoping to qualify for a trustworthy lender’s best-value mortgage in 2011 or 2012, you will need to work at improving your credit score, even if you always pay your bills on time. And if you’ve had a short sale, foreclosure or bankruptcy, you will need to work even harder.

But you can quickly build it up again if you know how to play the game like a professional.

Ever since the real estate meltdown, the big lenders and the three major credit bureaus that service them have come up with practices to reduce lender risk at any cost to consumers. This new bag of tricks contains a nasty surprise for home buying or mortgage re-financing— your mortgage credit score, as reported by the “Big Three” credit bureaus, may have been downgraded without your knowledge.

And new rules put you in catch 22 trap that can guarantee one of two outcomes: You will pay more (a lot more) in monthly payments and closing costs and/or you may not qualify for a fairly-priced mortgage at all.

Here are just three of the “Worst 2011 Mortgage Credit Score Traps:”

Trap #1: Your Mortgage Credit Score Is Not Your Consumer Credit Score

You pull your own credit score exactly as the “Big Three” credit bureaus — Experian, Equifax and TransUnion — urge you to do, paying them a fee, of course. But the credit score your lender sees is a different, lower number. (A client just referred to me this month by a very decent lending officer was suddenly disqualified for the mortgage she wanted for this exact reason, until I helped her quickly raise her score.)

Trap #2: Creditors Slash Your Credit Lines For No Fault Of Your Own

Banks can panic and cut your credit lines without warning. Say your credit card lines have been cut in half. Now your conservative debt of, say, 30 to 40 percent of your credit lines have jumped overnight to a “dangerous” 60 to 80 percent debt-to-credit ratio. The credit bureaus mathematical “algorithms” respond to this new debt load by automatically lowering your credit score.

Trap #3: Lender Rules Automatically Lower Your Score When It Matters Most

A client had a 660 credit score to qualify for a government-backed mortgage, so was pre-approved. But the lender applied the perfect catch 22. Its rules dictated that his credit report be pulled again five days before the closing. The act of pulling his score again lowered his score by 20 points as a “new inquiry,” which meant the lender rejected him for the mortgage.

You couldn’t make this stuff up. But I have two remedies to offer, right now, to put you back in control of your credit score.

First, join my Webinar this evening, Thursday, June 23, at 8:30 p.m. ET called “How To Save $100,000 On Your Mortgage,” at the invitation of Linda Yates, Education Director for the most authoritative real estate website for consumers, Foreclosure.com.

Be sure to sign up now before the registration window closes — spots are limited and filling up fast. Click here.

You can beat an unfair system.

Because my business — my only business — is showing you exactly how to boost your credit score. This Webinar will help you focus on what you can do, how you can do it legally, and when you should do it for optimal results.

Join me tonight and, together, we’ll get you the credit score you need to buy the home you really want.

It’s no secret: Foreclosed homes for sale often offer buyers and investors tremendous value. On the flip side, distressed real estate can be a tricky, and costly, investment if you fail to dot all your “i’s” and cross all your “t’s.”

Get an in-depth look into what it takes to find, finance and buy the home of your dreams for half-price with help and direction from Foreclosure.com Director of Education, Linda Yates.

Linda is going to show you how to land a “money-maker” and avoid a “money pit” in this complimentary Webinar presentation. She’s going to outline the first six steps of the 12-step process behind finding a money foreclosure, while steering clear of any potential “red flags” or “pitfalls” that can turn your dream into a nightmare

Register for “How to find dream foreclosures in your area (Part 1 of 2)” before it’s too late. Click here. This FREE educational session is available to watch LIVE online during an information-packed presentation scheduled for Thursday, June 10, at 4 p.m. ET.

Here are the first six steps that she will cover in-depth:

• Getting your credit in order
• Deciding whether to rent or own
• Shopping for mortgages
• Searching neighborhoods
• Finding the right agent
• House hunting

The market is ripe for the picking right now — foreclosure inventory is piling up just about everywhere. With the right approach and knowledge, it will be simple for you to differentiate the good deals from the bad.

Register for “How to find dream foreclosures in your area (Part 1 of 2)” right now — it’s FREE! Spots are limited and filling up FAST! CLICK HERE.

Webinars are LIVE educational sessions that let participants see, hear and interact with real estate experts right from their personal computer screens. In fact, Webinars are driven in part by visitor feedback and questions that are posed during the sessions. For more information and course offerings click here.

Learn how to properly prepare and close successful short sale offers in record time with help and direction from investing pro, Sharon Restrepo.

Sharon will demonstrate how you can put the “short” back in short sale, leveraging the recently-introduced Home Affordable Foreclosure Alternatives (HAFA) program, which provides incentives for lenders to close these types of deals fast.

Register for “Short Sale Intensive Training” before it’s too late. Click here. The educational session is available to watch LIVE online during an information-packed presentation scheduled for Thursday, May 13, at 7 p.m. ET.

Here are just some of the many invaluable nuggets you will take away:

• How to make more money on short sale transactions
• How to put together the best short sale package
• When to avoid a short sale
• How to short sale as an investor or agent
• What banks are looking for when short selling

Expect more short sales (and great deals) to flood the market now and well into the future. So you need to know exactly what you’re getting into with short sales today and how to purchase them for pennies on the dollar as soon as tomorrow!

Register for “Short Sale Intensive Training” before it’s too late. Spots are limited and filling up FAST! CLICK HERE.

Webinars are LIVE educational sessions that let participants see, hear and interact with real estate experts right from their personal computer screens. In fact, Webinars are driven in part by visitor feedback and questions that are posed during the sessions. For more information and course offerings click here.

Boca Raton, Fla. — March 5, 2010 — Foreclosure.com Director of Education, Linda Yates, will deliver a live, seven-hour Certified Foreclosure Agent (CFA) training course for the benefit of more than 100 agents at ERA® International Business Conference (IBC) 2010, which is scheduled for the Gaylord Opryland Hotel & Convention Center in Nashville, Tenn., on Monday, March 15, 2010.

“Distressed real estate in general and foreclosures in particular will continue to account for a significant amount of transactions now and in the future,” said Yates. “CFA training puts agents on the forefront of this industry-leading trend. We are honored to bring our certification training to IBC.”

The deal-driven educational seminar will be held from 8 a.m. to 4 p.m. ET. Seats are already sold out.

WHO: Linda Yates, Foreclosure.com Director of Education, delivering a seven-hour certification course that will teach

WHAT: Live, hands-on Certified Foreclosure Agent (CFA) training at ERA® International Business Conference (IBC) 2010

WHERE: Gaylord Opryland Hotel & Convention Center, Bayou E conference room, 2800 Opryland Drive, Nashville, TN 37214

WHEN: Monday, March 15, 2010, from 8 to 4 p.m. ET.

Remember that Foreclosure.com Agent University certification and training is open to all agents. For a complete list of courses, including the online CFA training course, click here.

About Foreclosure.com Agent University
Foreclosure.com Agent University offers serious real estate professionals the best selection of training opportunities and certification programs available in the industry today. Our designations are universally recognized as the standard of excellence. Certified agents stand out among their peers, closing more deals and earning higher commissions. We provide agents with invaluable knowledge, skills and tools that ensure consistent success … even in the most challenging markets. Our industry-leading certification programs, Certified Foreclosure Agent, Certified Short Sale Agent and Certified Commercial Foreclosure Agent, offer varying degrees of participation at the lowest possible prices.

On the Web
AgentUniversity.Foreclosure.com
www.Twitter.com/foreclosure_com
www.facebook.com/Foreclosurecom

The U.S. Treasury Department released guidelines and forms for its new Home Affordable Foreclosure Alternatives (HAFA) program on Nov. 30, 2009.

It was designed with good intentions — to simplify and streamline use of short sales and deeds-in-lieu of foreclosure. However, HAFA is a complex 43-page program that may be difficult for most real estate agents to fully understand.

To be perfectly honest, most agents may not even have the time or desire to familiarize themselves with the entire program.

But you simply don’t have a choice — HAFA guidelines go into effect April 2010! And they will likely have a large impact on your business, protocols and, most important, commissions.

Here’s the good news: You do not have to be left in the dark on this industry changing program.

That because Foreclosure.com Agent University is conducting two limited attendance FREE Webinars (Register here or here) to teach real estate agents all about the key HAFA changes.

This 1.5 to 2-hour Webinar will take an in-depth look at the guidelines and forms focusing on the key issues to real estate agents:

• Commission impact
• Forms and paperwork
• Participation guidelines
• Timelines
• Servicer participation
• Incentives for homeowners
• Second- and third-party liens
• And much more!

DO NOT MISS THIS IMPORTANT FREE WEBINAR!

Click on one of the events below to register:

• Thursday, Feb. 11, 2010, at  3 p.m. to 5 p.m. ET https://www1.gotomeeting.com/register/690622256
• Tuesday, Feb. 16, 2010, at 3 p.m. to 5 p.m. ET https://www1.gotomeeting.com/register/929001865

HAFA is part of the Home Affordable Modification Program (HAMP), providing incentives in connection with a short sale or a deed-in-lieu of foreclosure (DIL) used to avoid foreclosure on a loan eligible for modification under the HAMP program.

Understanding HAFA inside-out is critical for serious real estate professionals. And this is your opportunity to learn everything you need to know at absolutely no cost to you.

“Former NFL player turned multi-millionaire “flipper” to reveal successful marketing and business systems during free online seminar”

Boca Raton, Fla. — Foreclosure.com is proud to announce that real estate investing expert, Than Merrill, is back by popular demand to conduct an online training seminar, during which he will reveal his proven “turnkey” real estate system that unlocks the secrets to flipping riches.

‘Make $20,000 While You Sleep’ will be held live online on Feb. 10, 2010, from 9 p.m. to about 10:30 p.m. ET. To register for free and/or find out more information visit:

http://www.foreclosure.com/education/webinars/make-20k-while-you-sleep.html

Than — one of the most successful real estate investors in the nation, as well as the star of A&E’s hit television show, “Flip This House” — is going to show first-time homebuyers and experienced investors alike how to find amazing house deals for 65 cents on the dollar or less during a free real estate training Webinar.

“Than is the best when it comes to recognizing great deals and using automation to facilitate getting them done fast,” said Linda Yates, Director of Education, Foreclosure.com. “Now is the time to get off the fence and invest in a buyers market no matter where you live — it’s now or never!”

WHO:

Than Merrill, one of the most successful real estate investors in the nation, as well as Foreclosure.com Director of Education, Linda Yates

WHAT:

‘Make $20,000 While You Sleep’ free real estate training session with the star of A&E’s hit television show ‘Flip This House,’ Than Merrill.

WHERE:

Foreclosure.com Online Webinar Series
Register for FREE today before it’s too late. Spots are limited and filling up fast:
http://www.foreclosure.com/education/webinars/make-20k-while-you-sleep.html

WHEN:

Feb. 10, 2010, from 9 p.m. to about 10:30 p.m. ET

Webinars are live educational sessions, meaning that attendees are able to see, hear and interact with instructors right from their personal computer screens. In fact, Webinars are driven in part by visitor feedback and questions that are posed during the sessions.

All Foreclosure.com Webinars are also archived in our comprehensive educational On Demand (http://www.foreclosure.com/education/ondemand_webinars/index.html) library so that interested site visitors can download missed sessions 24/7.

About Foreclosure.com Real Estate Training Webinars:
Foreclosure.com Webinars represent tremendous training opportunities that first-time homebuyers and experienced investors alike can take advantage of conveniently from their homes or offices. In addition to our own professionals, we feature many of the top real estate minds and gurus from around the nation in our Webinar series who share their secrets to success, providing useful information that can be applied right away.

On the Web:
To register for ‘Make $20,000 While You Sleep’ with Than Merrill visit:
http://www.foreclosure.com/education/webinars/make-20k-while-you-sleep.html

Media Contact:
Thomas Myers
Foreclosure.com
Tel: (561) 981-5337 ext. 7381
http://twitter.com/foreclosure_com

Foreclosure.com and acclaimed real estate investing expert, Howard Small, will partner during an online training seminar to provide real estate agents with tips and skills to capitalize on foreclosure listings in their areas.

‘Foreclosure Investing Expert: Making Money in Foreclosures’ will be held live online from 4 p.m. to about 5:30 p.m. ET on Thursday, Jan. 21, 2010.

To register and/or find out more information visit: http://www.foreclosure.com/education/webinars/making-money-in-foreclosures-370.html

Howard — a well-known and highly successful investor, author, trainer and mentor — will show agents how to help their clients close more homebuying transactions, as well as detail all the applicable federal and state programs available to help them make the most prudent purchase decisions.

“We’re excited to connect our visitors with such a helpful and successful real estate expert such as Howard Small,” said Linda Yates, Director of Education, Foreclosure.com. “In addition to all of the other valuable information that we pack into our Webinars, Howard brings such a high level of expertise to the table that it will ensure there is something of interest — and something to learn — for everyone who participates.”

WHO: Well-known and highly successful investor, author, trainer and mentor, Howard Small, as well as Foreclosure.com Director of Education, Linda Yates

WHAT: ‘Foreclosure Investing Expert: Making Money in Foreclosures 370′ real estate training session offered through Foreclosure.com Agent University

WHERE: Foreclosure.com Webinar Series | Register online for the live virtual presentation at:
http://www.foreclosure.com/education/webinars/making-money-in-foreclosures-370.html

WHEN: Thursday, Jan. 21, 2010, from 4 p.m. to about 5:30 p.m. ET

This course is offered through Foreclosure.com Agent University, which offers serious real estate professionals the best selection of training opportunities and certification programs available in the industry today.

Prospective homebuyers, too, are encouraged to attend because it will help them find the most affordable homes for sale in their areas.

About Foreclosure.com Agent University:
Foreclosure.com Agent University offers serious real estate professionals the best selection of training opportunities and certification programs available in the industry today. Our designations are universally recognized as the standard of excellence. Certified agents stand out among their peers, closing more deals and earning higher commissions. We provide agents with invaluable knowledge, skills and tools that ensure consistent success … even in the most challenging markets. Our industry-leading certification programs, Certified Foreclosure Agent and Certified Short Sale Agent, offer varying degrees of participation at the lowest possible prices.

On the Web:
To register and/or find out more information visit:
http://www.foreclosure.com/education/webinars/making-money-in-foreclosures-370.html

Media Contact:
Thomas Myers
Foreclosure.com
Tel: (561) 981-5337 ext. 7381

###

Learn how to create an absolute fortune investing in commercial real estate using two little known strategies with advice from industry expert, Jason Gilbert.

From strip malls to mobile home parks to apartment complexes, there is a ton of money to be made with commercial real estate. Successful investors will tell you that commercial deals are often easier to do than residential and make you far more money.

Much more.

Jason will reveal how you — regardless of your credit situation and how much experience you have can (even if it’s zero) — can make a fortune with commercial income property in this FREE training course, “Make Millions with Commercial Real Estate.”

He recently released two proven strategies, Joint Venture Facilitation (JVF) and Master Lease Option (MLO), which can get you started on the path to personal riches … regardless of your current situation.

This FREE educational session is available to watch LIVE online and for FREE on Wednesday, Nov. 18, at 7 p.m. ET. CLICK HERE.

This course will cover:

• Why getting into commercial is a “no brainer”
• What keeps most people out of the commercial side
• Who is Jason Gilbert
• JVF and MLO explained
• Why you should get involved and how you can start today

Real estate investment secrets will be revealed during this special learning opportunity. Whether you are just starting out or trying to get to the next level, this is one FREE presentation that you simply cannot miss.

We look forward to having you on the Webinar!

To attend “Make Millions with Commercial Real Estate” on Wednesday, Nov. 18, at 7 p.m. ET for no cost CLICK HERE. Spots are limited and are available on a first-come, first-served basis only.

Webinars are LIVE educational sessions that let participants see, hear and interact with real estate experts right from their personal computer screens. In fact, Webinars are driven in part by visitor feedback and questions that are posed during the sessions. For more information and course offerings click here.

Make big money with real estate — even in a slow housing market and talk of a recession — with expert guidance from industry guru, Damian Lanfranchi.

Damian is the mastermind behind a proprietary automated deal-generating technology, which is being used by real estate investors to get the hottest deals with no work in all 50 states, as well as Canada, New Zealand and parts of France!

Now Damian is ready to show you exactly how this is being done and the simple switch you can flip to automate your entire real estate investing business once and for all.

Score new deals every single day — it’s EASY! Just register for “Done For You Deals Live Tour” to learn how right now.

This FREE educational session is available to watch LIVE online during a 90-minute presentation scheduled for Thursday, Oct. 1, at 7 p.m. ET. CLICK HERE.

This course will cover:

• Getting instant credibility as an investor (even if you’ve never done a deal)
• The BIG miss 96 percent of investors make when it comes to how to use the Internet to get deals (you can literally destroy your chances of success before you even start!)
• Capturing the most motivated buyer and seller leads before your competition
• How to follow up with leads until they become deals (without doing any of the work)
• The secret to pre-selling homeowners so you can turn fast “Done-For-You” deals
• How to instantly increase your closing rate every time you sit down to the table (even if you hate sales)
• Why investors lose tens of thousands of dollars miscalculating deal profits (and how you can never make this costly mistake again)

This is a potentially life-changing learning experience that will introduce you to a proven system you can use to make it big … and stay big.

Register today and get a FREE gift (Value = $429) just for showing up! We look forward to having you on the Webinar!

To attend “Done For You Deals Live Tour” on Thursday, Oct. 1, at 7 p.m. ET at no cost CLICK HERE.

Start your own foreclosure “clean-out” business and earn up to $500,000 a year — more than $50,000 per month — with help and direction from nationally recognized author and real estate investor, Elaine Zimmermann.

All you need is desire to make $2,000 a day (up to $50,000) with your own foreclosure clean-out business and a truck to haul all your profits. No experience necessary. No special schooling. Learn everything you need to reach to decision-makers who can give you the bids to begin working in this lucrative field right now.

Register for “Make $50,000+ a Month with Foreclosure Clean-out” before it’s too late. Click here. The educational session is available to watch LIVE online during a 90-minute money-making presentation scheduled for Thursday, Aug. 27, at 7 p.m. ET.

Here are some of the tools you will discover:

• Establish your own money-making foreclosure clean-out business with no experience
• Begin your business with no up-front costs
• Take advantage of the record number of foreclosures before its too late!
• Ensure a recession-proof career — the worse the economy is, the more money you make!
• Get everything you need to get started — no extra fees or hidden costs

The demand for foreclosure clean-out is soaring as the amount of annual foreclosures climbs to 10 times the number of a few years ago. Enter this high-paying field today!

Register for “Make $50,000+ a Month with Foreclosure Clean-out” before it’s too late. Spots are limited and filling up FAST! CLICK HERE.

Webinars are LIVE educational sessions that let participants see, hear and interact with real estate experts right from their personal computer screens. In fact, Webinars are driven in part by visitor feedback and questions that are posed during the sessions. For more information and course offerings click here.