As home values continue to fall in most parts of the U.S. partly due to the nationalizing of the mortgage and financial markets, buying homes for short or long term appreciation may not be the best option these days.

Mortgage lending continues to tighten up for both residential and commercial mortgage loans, and stated income loans may be banned nationally in the near term after the Senate recently voted to pass a bill in favor of the banning of "no income verification" or "stated income" mortgage loans.

As a result of the tightening of the financial markets, real estate values may continue to fall in both the near and the long term. One of the best ways to potentially profit from the continually worsening housing markets is to buy properties at the final foreclosure sale or through tax sales in various regions which may allow potential investors to buy properties for literally cents on the dollar.

We have created both a software and a financing system which targets the best foreclosure or tax sales properties in Southern California for our clients. To learn more, please contact me for additional information.