Franklin Cruz Speaks at Pierce Middle School Nov 2008

Have you ever had a marching band, color guard and 500 kids scream your name? Well, I did and honestly am very humble to even have the opportunity to be allowed to come and speak to those fantastic kids. I believe kids our the future, so train them right.

Respectfully and Sincerely,

Franklin Andrew Cruz

"They even give me a wonderful certificate"

Thank you Pierce Middle School!!

For Booking info:
Email: Info@franklincruz.com
Ph: 813.221.4457

Flip that House Tampa

This is a property that we are converting from a NOTHING house to a beautiful 4br/ 2ba HOME. Estimated time of completion 60days. Can we do it?? Tell me what you think?

Andrew is Born!!

*Franklin "Andrew" Cruz II*

Born 11 Oct 08 at 2:45am weight: 7pds 2ounce

and 19inches Long...

SECRETS TO PROBATES BY Franklin Cruz

The secrets to Probates.. Would you like to learn how to buy and negotiate with a home that is FREE and CLEAR…? Do you think I’m joking? We’ll I’m not! Probate deals have been a secret to some of the WEALTHIEST real estate Investors in the WORLD… Why is this a big secret?

Nobody wants to tell you exactly how to do something that can cause you to change the face of your financial situation for generations to come. That would be insane! BUT, I am going to unlock a couple of secrets just for you- for FREE!!! Well… not exactly free I want you to do me a favor.. I want you to finally take yourself serious and do something with your FINANCIAL LIFE…Remember there is ONLY DO or DON’T DO-Can’t is a BAD WORD!! So here are my two tips.. .You can find out the rest of the tips at the event!!

Tip#1: Go to the courthouse and pick up a probate list. Go through the list and find properties that meet your criteria.

Example: What area would you like buy in? aka “Farming”

Tip#2: Now it’s time make contact! Start sending letters/postcards. Here is some advice: I prefer postcards because they are cheap.. 4x6 card is only 27 cents to send out.. But, anything bigger than that would be the full price of the stamp… and now it’s almost 50 cents… So right there you just saved 50% of your advertising expenses.

Tip#3 Remember in advertising every little bit counts… and you need to squeeze that penny till President Lincoln Cries… The postcard should read the following:

Dear _________.......(oh wait! You have to find out the rest at the event!!!!)

Tip#4: will be revealed at www.PitchFreeRealEstate.com

Tip#5: will be revealed at www.PitchFreeRealEstate.com

Tip#6: will be revealed at www.PitchFreeRealEstate.com

Tip#7: will be revealed at www.PitchFreeRealEstate.com

Remember the only one stopping yourself from being successful is YOU!!

Check out this great video of the event: http://www.youtube.com/watch?v=CWAOshvu1LY

New PICS 4-D Franklin Andrew Cruz II

Can you believe he is still inside the Belly..
Coming Soon Oct 08

Franklin Andrew Cruz II

Important Short Sale Info"New Doc Stamps on all Short Sales"

"Please Click on the documents to View Image"

FHA Approved Housing Bill

By DAVE CARPENTER, AP Business Writer Tue Jul 29, 11:02 PM ET

Questions and answers about the Hope for Homeowners Act of 2008, passed by Congress last weekend to try to steer as many as 400,000 struggling homeowners away from foreclosure:

Q: What exactly will the legislation do?

A: It will allow those who qualify to cancel their old mortgage loans and replace them with 30-year fixed-rate loans for up to 90 percent of the home's current value. The FHA will insure a total of $300 billion of the loans over a three-year period.

But the decision on whether to write such a loan remains up to banks, which would have to be willing to take a loss on the existing loans in exchange for avoiding an often-costly foreclosure.

Q: Who is eligible?

A: Eligible borrowers must have spent more than 31 percent of their monthly incomes on their mortgages as of March 1, 2008. The troubled loan must have originated no later than Jan. 1, 2008, and be on the borrower's primary residence. And the borrower's income must be verified.

Q: When does the program start?

A: It takes effect Oct. 1 and runs through September 2011, although the FHA isn't likely to have it operating at full capacity until next year.

Q: Since lenders can pick and choose which loans to refinance, how can consumers determine if theirs will be selected?

A: Check with the bank or financial company servicing your mortgage, but it may be weeks before they make decisions concerning the new guidelines and assess individual loans.

Even then, keep expectations limited.

"Servicers are going to be reluctant to take the government up on their offer," predicted Mark Zandi, chief economist at Moody's Economy.com. "The earliest they'll start taking them up on it is early next year. And even then it's likely to be modest."

Q: Is there anything a homeowner can do to improve chances of benefiting from the program, such as crunching numbers to make a case for the bank?

A: Not really. The best step is to keep up your payments as best you can.

Q: But doesn't this provide an incentive to NOT pay your mortgage, if you're barely keeping ahead of bills and are underwater on your house, so you can qualify?

A: No. If your situation deteriorates enough, the bank may reject any possible new loan.

"Turning yourself into a financial basket case is not going to work," said Dan Seiver, a finance professor at San Diego State University. "If you turn into a complete deadbeat, the servicer is going to just foreclose and dump it."

Q: So what should I be doing now besides trying to keep up with payments?

A: Talk to a local credit counselor and call the toll-free hot line of the Hope Now alliance — an industry group trying to coordinate a response to the mortgage crisis — at 1-888-995-HOPE. It is available 24 hours a day to provide mortgage counseling in multiple languages.

Mary Thomason, director of resource development for The Impact Group of Atlanta, a housing counseling group, also suggests tracking expenses and income closely in order to be able to forecast your cash flow for the next six months and give yourself better control of your finances.

Q: If the banks and lenders refuse to write these loans, then what?

A: Public and political pressure may prompt them to participate. If not, and more people continue to lose their homes, Zandi says the next White House administration subject them to additional regulations or investigations if they remain unwilling to take on the risks.

Q: What happens if I'm able to sell my home after I refinance?

A: If you sell during the next five years, you must agree to share 50 percent of any profits from the resale with the government. What's more, homeowners can only retain equity gains based on a sliding scale. The homeowner would have zero equity from a sale in the first year, with the amount rising 10 percent in each succeeding year and capping at 50 percent from a sale in year five and thereafter.

The equity must be repaid because the maximum amount on the new loans will be capped at 90 percent of the current market value, which automatically gives the previously troubled homeowner 10 percent equity in the home.

Q: Where can consumers find more detailed information about the plan?

A: There is a six-page summary of the housing act at

http://banking.senate.gov/public/_files/HousingandEconomicRecoveryActSummary.pdf

and the FHA's Web site at http://www.fha.gov is a place to watch for updated information. The entire 694-page bill is at http://www.house.gov/apps/list/press/financialsvcs_dem/hr3221_bill_text.pdf

TELL ME WHAT YOU THINK OF THIS BILL???