The real estate industry is changing. The world of business and technology is changing. Many in the real estate industry are desperately trying to keep things the same. But at At|vantage we have embraced change and created a company designed as a one-stop shopping solution for real estate services. We are a company that wants to forge relationships with you, create mutual benefit and provide added value to real estate transactions.

A real estate agent used to serve as the gateway to information in the real estate industry. They received a commission for either advertising your home or researching homes available in your price range. You'd have to go elsewhere for a loan and still elsewhere to take care of escrow. And chances are that you'd never see your agent again. But the recent boom in the economy and the growth of the Internet has made all kinds of information and investment opportunities available to consumers. At At|vantage, we understand that you want your real estate investments to be just that - investments. And you want all the flexibility that comes with other investment opportunities. But as many people are discovering, the typical real estate agency is incapable of providing all the services you need to make investing in real estate a comfortable and profitable experience. At At|vantage, we have created a company designed to meet the needs of everyday people that want to invest in real estate. Our goal is to provide all the services necessary for successful real estate investing and, in the process, build relationships that will prove mutually beneficial for years to come.

At|vantage has everything you need for successful real estate investment. We provide loans, escrow services, foreclosure counseling, home improvement, and development projects. But the most significant advantage to having all these companies under one roof is that, with these services at our disposal, we have created specific marketing programs that can be tailored to almost any investor's situation.

The Companies

Unlike most real estate agents, who only provide one service -- coordinating the buying or selling of a home -- the professionals at At|vantage have a broad base of services and information available to them to solve any of your real estate needs. They don't want to get just a listing or sell you a house; they want to build a lasting business relationship.

One of the most attractive and most feared aspects of dealing in real estate is the large amount of money involved. Mortgage At|vantage strips away the hurdles by offering consumer-friendly home financing programs tailored to your specific needs, whether you're a first-time buyer, a homeowner, or a real estate investor. Some of our programs include FinanceForSale, Wealthbuilder, Solution Home Loans, and Reinvestor. All are outlined in detail below.

Rounding out the one-stop real estate solution is home improvement and new home construction. From adding a room to building a new home, Custom At|vantage Builders is a resource you can call on to make the ordinary home extraordinary.

Having it all under one roof is part of the At|vantage solution for real estate services. With Escrow At|vantage, it is more than a convenience, it is a comfort. It is reassuring to have a familiar, friendly face -- a part of the team -- continue to hold a client's hand all the way through to the very end of the transaction. Making the maze of paperwork, legal requirements and extensive documentation seem easy is the sign of a good escrow officer.

Real estate should be the cornerstone of any financial plan. That's where Investment At|vantage comes in. Look here for real estate investment options and investment alternatives that focus on cash flow, leverage and appreciation, and benefits. Investment At|vantage offers real estate alternatives such as direct ownership of real estate, limited partnerships for the development of property, notes secured by deeds of trust and other high-yielding investments secured by appreciating California real estate.

You have an increasing amount of control over the information and the transaction. But there's a big difference between simply having the information and knowing what to do with that information. The key to success in buying, selling, refinancing or investing is to turn the information into knowledge that creates opportunities. This value is created through a number of unique programs and services that are available nowhere else. These programs, tools, techniques and investment strategies, set At|vantage apart from the rest of the real estate community. Unique, innovative, consumer-friendly programs are designed to make the real estate process work more efficiently and more profitably. The programs available to you at At|vantage are detailed as follows:

The Programs

What we have come to understand at At|vantage is that purchase price is not what prevents most people from buying your home. Often times people are looking for lower monthly payments or a home they can get into with no money down. FINANCEforSALE is a marketing strategy that pairs the listing of your home with loans designed to appeal to a wider variety of buyers. This is not possible with other real estate companies, but because At|vantage handles loans as well as real estate, we are able to match a potential buyer for your home with the perfect loan to help them get it. This makes your home more affordable and available without reducing its price. It is a flexible, innovative and less complicated way to sell your home.

At At|vantage we are focused on building relationships and customer service rather than concentrating on the transactional, commission-driven business model typical of the real estate industry. Our cooperative philosophy: Building a loyal and committed client base with a past creates the formula for future success. Understanding the value of that relationship is what CLIENTforLIFE is all about. It is what being a customer at At|vantage is all about. When you become a CLIENTforLIFE, you'll enjoy the benefits of the resources, the services and added security of being part of a team. The wide range of services provided by At|vantage means that we are not just working on a transaction, but instead building a relationship to last a lifetime.

Having the right tools to build a home is an obvious advantage. At At|vantage, we bring new tools to help achieve your goal of selling a new home or subdivision at the highest price for the lowest marketing cost. It's a goal that requires maximum efficiency, productivity, creativity and innovation. At At|vantage we have developed a sales and marketing program that strips away the barriers of homeownership and creates the ability for homeowners to pay more for your home and feel better about it. It is a strategic plan that brings together the resources and experiences of mortgage, real estate, escrow and credit consulting with a marketing system that can elevate the interest and ability of more people to buy your home. It is a homebuilder's dream. It also fulfills the American Dream of owning a home. With our exclusive New Home At|vantage marketing system, we just make the dream easier to achieve and more profitable for everyone involved.

Research indicates that homeowners make better employees, while personal financial problems reduce employee productivity and costs employers $50 billion per year. Of your company payroll, 30-50 percent of the money your employees take home goes to pay their mortgage payment. Another 14 percent pays for their consumer debt. The savings rate is -1.2 percent, brought about increasing financial pressures and lifestyle demands. According to a national association of financial planners, fewer than 30 percent of employees have enough money set aside for their retirement. These are some alarming statistics. But, with declining corporate profits and employee benefit programs that already are stretched to the limit, the perception is that there is little that a company can do to help. Employees may suggest a raise would help ease the pain, but at significant company expense and with little practical results. Give a man a fish and he'll eat for a day; teach a man to fish and he has food for life. An employer cannot solve the financial concerns of all his employees, but he can show that he cares for their well-being and provide the tools that enable them to significantly increase the value of the money that they earn. Use HomeWORK At|vantage to help them increase the value of the money they've earned. You will have given them a lifetime benefit.

Consumer debt in the last 20 years has grown 500 percent to $1.6 trillion. Home prices have increased 200 percent and incomes have grown only 50 percent. The dream of homeownership has been pinched by the spending habits of today's consumer. ConsoliDebt helps turn the habits of consumer spending into an invest plan. Homes may be sold based upon purchase price, but they are bought based upon the monthly payments. ConsoliDebt is more than a loan, it is a purchase strategy. It turns homeowners into real estate investors. It turns debt-laden consumers into homebuyers. By converting spending habits in buying power, ConsoliDebt opens the door to homeownership, stripping away hurdles and extending opportunities.

Unleashing the hidden asset that lies in the equity of real estate is the magic of the REInvestor. Refinancing existing real estate and transferring it into a new property is the key to maximizing the returns on investment. It is also the key to creating multiple loan and real estate transactions. Making a real estate investment has never been easier or more profitable. The REInvestor program is designed to give the investor the benefits of real estate without the hassles, confusion and uncertainty. It is a program that provides all the money-making features that makes real estate the investment of choice: Cash flow, leverage and appreciation and tax benefits. Up until now, your choices were to do it yourself or to settle for a REIT, which is inconvenient and provides decent cash flow but an uncertain return and no tax benefits. REInvestor is more than a loan program, it is a network of real estate agents, mortgage lenders, contractors, property managers and real estate analysts. Working together, they provide and package a real estate investment that provides cash flow and tax benefits with leverage and appreciation.

Bad things happen to good people and sometimes they cannot pay their home loans. Providing opportunities and solutions to people in this time of distress is the purpose of SAVE-a-HOME. Unfortunately, during these rough times, homeowners can be paralyzed with fear. With so much misinformation from lenders, real estate agents, bankruptcy attorneys, real estate investors and even their lenders, it is difficult to sort out what to do. There is not one source that could solve the various permutations of the problem by applying the most appropriate solution. The bankruptcy attorney's solution is to file bankruptcy; a soliciting mortgage lender wants them to refinance; a real estate agent wants them to sell so a commission becomes payable; the investor wants them to discount the property for a quick sale so they can make a significant profit; their lender wants them to make their payments current … right now. The result: The defaulted borrower only grows more confused and frustrated. SAVE-a-HOME is a one -top consulting service with the ability and resources to cure the default either through negotiation, sale or refinance. The borrower has a number of options, depending on his own financial ability, desire and current needs.

Building a custom home once was a luxury reserved for the well-to-do. A lot of money spent and a mountain of details, obstacles and headaches was also part of the bargain. Fixer-uppers have potential but also require a lot of cash … until now. CustomAt|vantage is a new home program that removes all the work, hassle and upfront cost of building a new home or remodeling an older home. CustomAt|vantage is the solution for someone who wants to build a dream home or wants to buy a home that they can improve on their own. Selling homes in need of repair or an empty lot just waiting for the right house merges seamlessly with the construction lending process through Custom At|vantage Builders. Consistent with the At|vantage philosophy, Custom At|vantage Builders combine real estate, mortgage and construction services to build on the dream of real estate.

From real estate consultant to educator is not a big stretch, but it can help you reach your goals and make the real estate process work a little better. At|vantageYou! is about helping consumers understand their options, development plans and implement financial plans with confidence. At|vantageYou! is a concept that helps put the mortgage lender or real estate agent in the position of consultant. By reinforcing the commitment to education, understanding and the right decision, At|vantage consultants become trusted advisors, not commissionable salespeople, in the eyes of their clients.

Real Money… Real Estate is a talk radio program which airs on KSDO and KCEO Mondays through Fridays, focusing on freeing up real money and helping pursue real dreams like buying a home, saving money, investing for retirement or a higher quality of life. Real estate represents 30-50 percent of the net cash flow of most homeowners, and 44 percent of their net worth. Their home and the money they use to pay for it is what Real Money…Real Estate is all about. With a public presence and positioning as a customer advocate in a forum where the innovation and ideas of the company are effectively communicated, At|vantage is given the public exposure to grow the At|vantage network. In addition to 15 hours of on-air programming per week, the radio marketing campaign consists of 130 commercials per week to highlight and profile the At|vantage services.

Creating wealth from the payments borrowers are making now on their home loan. This negatively amortized loan increases the cash flow available, which is reinvested into the market for a higher return. A direct mail and telemarketing program identifies consumers of interest that receive a spreadsheet that details the possibilities. At a return of 12 percent on a mutual fund, the borrowers can pay off their home loan in 30 years and have an investment account worth 188 percent of their original loan amount. It's the home loan that pays for itself. This program provides an opportunity to tap into the client base of financial planners, life insurance salesmen and stockbrokers to free up capital to buy their product.

The lender is the key player for a first-time homebuyer. The process is mostly about money and making it all work. The no-money-down home loans available strips away all the barriers of homeownership. With loans of up to 107 percent of the purchase price, there is enough money to pay the down payment, the balance of the purchase price, closing costs and even money to pay off consumer bills to help qualify and afford the home. This type of financing puts the agent in control, gets the buyer motivated and, as consultants, become gatekeepers to their dream home. Marketing programs that target tenants helps create a whole new market of people who don't have an idea of their possibilities.

For Information Regarding Real Estate Opportunities Please Call: 1-800-231-1333

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