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First Steps to Buying a Preforeclosure

Preforeclosure status means the owner of the property has defaulted on his mortgage obligation and the lender is taking steps to foreclose on the loan and take possession of the property. This situation places the property owner and the lender in a disadvantaged position. But it may not be too late for the property owner to work things out with his lender. At the same time the lender may be interested in allowing a short sale (sale of the property for less than the amount owed) just to avoid the costly process of foreclosure on the loan, and then the expense of marketing the property. That leaves open the opportunity for a real estate investor to come in and solve the problem for both parties.

Steps as you search for your pre-foreclosure property:

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Contact the current owner of the property to discuss the terms that might be acceptable. If the property is already listed with a Realtor, contact that broker to get specifics as to the asking price of the property, its condition, and the willingness of the seller or lender to negotiate a short sale.
Schedule a visit to the property so you can see for yourself what condition it is in. Drive around the area to make certain it is a community that is right for you. (Please keep in mind that the owner may still be living in the property and their privacy should be respected).
Have a qualified appraiser or real estate professional supply a valuation. Money spent on a real estate appraisal in such circumstances is money well spent.
Have an attorney or title company search the title to the property noting any other liens, restrictions, or encumbrances that may exist.
Have your financing lined up so that you know you will be in a position to close when settlement time arrives.
Present an offer to the seller. If your offer is less than the amount of the debt on the property, ask the owner to present your offer to his lender.

Property owners and lenders are both in awkward positions when a loan goes into default. The property owner would like to avoid the foreclosure as it will have very negative consequences for his credit, and can severely limit his chances to obtain credit for a long time into the future. The lender knows it will probably be taking a loss because, if the property was worth the debt on it, the owner probably would have already sold it to avoid the foreclosure. Short sales are very common in pre-foreclosure situations and this leaves the door open for opportunities for you as the lucky real estate investor.

Lucky Lands Slot

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Lucky Lands is 5 reels by 3 rows and 25 paylines video slot by Endorphina casino games with a decent RTP of 96%. It’s characterized by a beautiful girl with red hair and green eyes who gives you a guide around the four magical lands. Each land has its unique color, themes and a number of free spins which form part of the kingdom where you get to choose your path. By following these paths, you can get more spins, a higher multiplier, and amazing wins.

How to Explore the Landscape

Play Lucky Lands slot machine online to enjoy various features whose knowledge is quite insightful as the player sets off to start the game. Such features include:

Wild symbol: this symbol is represented by the red-haired lady. It substitutes for all symbols, but the scatter symbol. When one or more of these symbols appear as a substituting symbol in a winning combo, the win is automatically doubled.
Scatter symbol: 3 scatters or more on the reel triggers free games. Once the free spins are triggered, one is allowed to choose the number of rounds. They can pick 5,10,15 or 20 and get a multiplier prize of up to 2x, 3x, 5x or even 10x.
Re-triggered bonus rounds: this feature is triggered during the free spins play allowing the player the opportunity to choose the land they want to visit.
Gamble option: the slot has a gambling option available whenever you make a winning combination. By clicking on it, you risk getting double your winnings by gambling it up to a maximum of 10 times. To win this, you have to beat the dealer’s card by choosing the joker from 4 cards looking face down.

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How to Conquer the Land

For one to win the game at any casino, it’s worth familiarizing with the payouts of the game. The lower paying symbols are the card icons which offer a maximum payout of 125 coins for 5 similar cards. The golden nut pays out 250 times, and so does the clover. The horseshoe pays a 400 times maximum while the ladybird pays at 750 times. The lucky lady pays best as it awards a cool maximum of 3000 times for 5 matched cards.

Some important tips that will help when playing the game are:

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Get as many matching symbols as possible. With a high number of paylines and many matched items, there’s a probability of winning a big payout. The more the lines, the higher your chances of lining up matching items.
When it comes to betting for your next spin, use more coins so that the chance of winning more goes up. Tap on the maximum bet so as to automatically increase the line and bet options to the maximum.

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