Over and over we hear “never give out credit card info over the phone.” I understand that. But if I place a phone order, I need to give my credit card number. Then we also hear “never give out the security code on the back of your credit card.” To place an order recently I had to give the last 3 digits of the security code. The clerk told me that “I can’t ship your order without it.” She didn’t know why it was needed. The only other options, mail a check or money order extends shipping time by 2-3 weeks!

“So what methods should I use to mortgage out?” you ask. Here are seven practical, hands-on methods to use today:

1)Offer less than the appraised value of the property. Why? Because a lender may offer to lend you money based on the appraised value of the property. You then automatically have more money than you need to buy the property. This will be money in your fist - MIF = Money-in-Fist!