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FAST FACT

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SELLING YOUR HOME USING A REALTOR

by Dr. Sharon L. Bender
7/17/2006

When it’s time to put the house on the market, many people wonder if they are better off selling as a “by owner” or using the services of a realtor. The reason for the quandary is typically a financial one. It is a common myth, actually, that the seller will net greater proceeds from the sale if they sell it themselves. In reality, buyers are typically looking for the “by owner” to drop the price of the realtor’s commission as much as a whopping 6-10% below the price of comparable homes listed by real estate firms. Otherwise, they can find more selection of homes and a more trusted sale if they use the services of the realtor.

A “realtor” is a designation for an agent who lists and sells real estate for a broker who is a member of the National Association of Realtors. A broker is the individual licensed by the respective state to deal in real estate transactions. There are even “buyer brokers” that work exclusively for the benefit of the buyer. This means the realtor at these brokerages may try to get the seller to lower the price to accommodate the interests of the buyer. The opposite is more common, however. The realtor typically works for the seller, seeking to get the best price for the property.

How does a Realtor affect the bottom line?

Likely you just want to know in which case you will enjoy the greatest bottom line from the sale so you can afford that next bigger or better home or perhaps for retirement. The proceeds from the sale are often more important to the seller than getting a great deal is to the buyer. The reason is purely in the numbers. If the buyer can secure a reasonable loan, at a reasonable rate that meets the buyer’s monthly budget, then the sale is possible, regardless of the asking price. If the seller is willing to “hold paper,” meaning become the mortgage lender in place of the bank, then the seller and buyer can agree on an amicable interest rate. This may mean a higher sales price for the seller and a lower monthly payment for the buyer. But carrying the loan for the buyer does not come without risks. For instance, your own credit rating can suffer if you are relying upon the monthly payment to meet your own obligations, but the buyer has defaulted on your loan agreement. And the buyer can hold possession of the property for several months beyond the default of the contract.

The good news is, with the high cost of homes, real estate commissions have dropped from the traditional 5% to around 2% of the sales price, making the use of a realtor affordable regardless of the pricing market. The commission is the negotiable percentage of the proceeds resulting from the sale of the property. Realtors provide quite a bit of service for that fee, which by the way is often split four ways. There may be a listing broker involved, the firm that takes the contract to market the property, and a selling broker, the firm that produces the buyer and draws up the contract of sale. In each firm there is the broker and a realtor. Two brokers and two realtors are four entities that will split the commission. You may only see the selling realtor walk away from the closing with the commission check, but it will be immediately handed over to the broker who will in turn send a check to the other broker to be split with the other realtor.

What does the realtor do?

Realtors often strive to be both the listing agent and the selling agent in order to enjoy half of the commission rather than a quarter of it. An agent is another term for the realtor who is an agent for the broker. This “double bubble” sale is a rare occurrence. It is not often that the realtor who takes the listing winds up also be the realtor who produces the buyer. The chances are there will be a listing firm and a selling firm. One will take your contract for sale and enter it into the MLS (multiple listing service) so that all other realtors in your selling region will have access to it, and beyond. Listings are now available via the Internet. The seller can put the home on the Internet, but buyers will be looking for real estate offices rather than your site. The enormous exposure of the real estate organizations means more people will become familiar with your home. The bigger the pool of buyers the greater the competition will be for your home. This usually equates to the best price. Can you get this kind of exposure for your home as a “by owner?”

Something more to consider that could affect you financially is that there has been an alarming increase in legal claims made by buyers against sellers. If the seller does not fully disclose any and all defects, those discovered after the sale by the buyer can add up to some heavy damages. Take for instance, the failure to disclose a toxic black mold condition (Stachybotrys atra) that you discovered in the walls in your basement and “innocently” sealed away with a new panel of sheetrock and a fresh coat of paint. An experienced realtor can help the seller to minimize such risks. Many are well educated, holding degrees like GRI (Graduate Realtor Institute). The best policy, however, is honesty with your realtor.

Many real estate firms provide a homeowner’s warranty package that not only safeguards the seller against risky lawsuits, but it can add value to the home in the eyes of the buyer. That can mean thousands more dollars are possible in your asking price. Or at least your home may sell faster than the one across the street that is identical, but lacking the same protection. A homeowner’s warranty package is a form of insurance policy that covers certain repairs to major appliances and some systems in the home for a specific time period. A realtor may also order a home inspection that will further uncover any defects. Even the nifty listing and sales contracts used by the real estate firms today are filled with protective language. You could sell your home yourself and hope that your lawyer will have access to these kinds of agreements. In some states no attorney is used for the closing. Then you may be at the mercy of the title company.

What is my investment in the sale?

Selling the home “by owner” can also take a lot of your personal time. Imagine the phone ringing at your home instead of at the realtor’s office. You are responsible to do the screening. You can be doing something else more productive than answering the phone and being on hand to show the home at the convenience of the buyer. Expect that a lot of your time will also be spent talking to realtors who are interested in coming over to give you a free market analysis. Sometimes your “for sale” ad or sign is nothing more than an open invitation for realtors to call and pitch their services. In truth, that can be handy in getting to know the services they offer and finding one or two to invite over for a presentation. The market analysis is handy because it will help you to understand how to correctly price your home. With a realtor, you can save the money you would have to fork over for the production of your “for sale by owner” sign. Surely you would not want to present your home with an unattractive message.

Consider that as the one handling the sale you will have to screen the buyers that call you, asking them very personal questions that they may not want to answer with you; and you may not feel comfortable asking either. There is a good chance you may not find out that the buyer is actually not qualified to buy your home until it is too late, and you have wasted precious time off the market. Other possible buyers for your home will have moved on. If you take on a buyer who is not qualified, it could also mean many dollars spent each time you need to use the services of your attorney to find out the hard way that you were dealing with a buyer who was not able to consummate the purchase. The realtor’s job is to bring you only pre-qualified buyers.

Why is it better to use a realtor?

Reason #1 For Using a Realtor:
A Realtor has a larger volume of potential buyers.

Reason #2 For Using a Realtor:
A realtor can protect you from the risk of lawsuits.

Reason #3 For Using a Realtor:
A realtor will save your investment of time.

Reason #4 For Using a Realtor:
A realtor will help you to price the home correctly.

Reason #5 For Using a Realtor:
A realtor can screen the buyer for qualifications.

Reasons to sell the home as a “by owner” are really not worth listing here as they would have more to do with personal reasons than those that are financial. Financially speaking, there are far greater reasons why realtors coast to coast are part of a thriving field. Your only decision might be to select which type of firm to use. There are those that advertise a savings in commission, but talk to realtors from all types of firms to get a clear understanding about the pros and cons of each.

Considering to sell your home as a “by owner” or whether to use the services of a realtor is an easy choice if you are considering dollars and cents, which is the typical concern of the seller. Some times it is to hand-pick the buyer, but in reality that may constitute discrimination, landing you in an attorney’s office for a different reason. This is yet another risk owned by the seller when acting alone, and once again affecting the financial outcome.

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slivinumarko wrote:
Greetings to the entire public,
I am Slivinus Marko, I am a man that have come to put away every thought / reason that is virtually in EVERY ONE'S MIND THAT ARE SAYING THAT THERE ARE NO RELIABLE LOAN LENDER'S ONLINE THAT CAN GIVE LOANS AGAIN / ANYMORE. As at now we all know that there are a lot of scammers searching for our legitimate documents to use for fraudulent act, So I Slivinus Marko HAS COME TO ANNOUNCE TO THE ENTIRE PUBLIC THAT I HAVE got some money to Lend out to serious,TRUSTWORTHY and Prospective CLIENTS THAT ARE IN NEED OF LOANS,any person/organization who HAVE BEEN LOOKING FOR LOAN or LOANS AND HAVE NOT GOTTEN THE LOAN ON TILL NOW SHOULD send their contact or apply via email: slivinumarko@yahoo.com .Services rendered include; Refinance,Home Improvement,Investment Loan,Auto Loans,Debt Consolidation,Line of Credit,Second Mortgage,Business Loans,Personal Loans,Car Loan,Auto Loan, To mention but a few. AND I HAVE ALSO COME TO TELL THOSE BORROWERS THAT WILL APPLY FOR LOAN AND DO NOT PAY BACK THAT In the book Of Mark 8:36: 36 "For what shall it profit a man, if he shall gain the whole world, and forfeit his own soul?" I REFER YOU TO THE SAID BIBLE REFERENCE THOSE THAT HAS THE MIND OF RUNNING AWAY WITH LOANS THAT HAS BEEN GRANTED TO YOU IN GOOD HEART BECAUSE WE ARE ALL PASSING BY ON EARTH AS WE SHALL MEET OUR MARKER ONE DAY, ALSO GET IT NOTED THAT IF YOUR INTENTIONS IS TO COME AND TAKE ADVANTAGE OF OUR TRUSTWORTHINESS AND RELIABILITY OF GRANTING LOANS ONLINE IN RESPECTIVE OF YOUR LOCATION ON EARTH, I BET YOU YOU WILL BE CAUGHT AS OUR FBI AGENTS ARE ON GUARD. I WILL LIKE TO TELL YOU ALL ALSO THAT I HAVE COME TO WIPE AWAY THOSE TEARS THOSE ONLINE FRAUDSTER / RIP OFF ARTIST HAVE CAUSED TO YOU ALL IN THE NAME THAT THEY ARE LOAN LENDERS. SO THOSE IN NEED OF THIS LOAN FIRM SERVICES SHOULD SEND THERE CONTACTS TO ONE OF THE ABOVE EMAIL ADDRESS FOR URGENT ATTENTION. AND ALSO I WANT TO LET THOSE THAT HAVE BEEN SCAMMED BEFORE NOT TO COMPARE THIS LOAN FIRM SERVICES WITH THE PREVIOUS ONE THEY ENCOUNTERED THERE SELF WITH IN THE PAST !! NOTE: YOU THAT IS ABOUT TO APPLY FOR THIS LOAN MUST HAVE Trust,Courage,Faith.BECAUSE THEY ARE THE KEY TO ANY TRANSACTION IN THIS WORLD !! AND IF YOU DO NOT HAVE THEM PLEASE AND PLEASE DON'T APPLY AS WE ONLY NEED SERIOUS MINDED CUSTOMERS HERE THAT ARE READY AND SERIOUS TO COMPLY WITH THE PROCESS OF THIS LOAN TRANSACTION WITHOUT GIVEN US ROOM TO SUSPECT THAT THEY FRAUDSTERS / ON-SERIOUS CUSTOMERS....... CONTACT US ON:slivinumarko@yahoo.com for more information on how to get a loan from us.....
slivinumarko wrote:

Attention To The World,

If you need a genuine and reliable loan help,and don’t want to be a scam victim,I think this is for you.This is a testimony on how,I was ripped off by some idiot that calls themselves lenders,and how I finally got my financial freedom through a God sent helper that finally gave my life a meaning,with the least cheapest rates as to 2% interest and little TOKEN other requirements and they don’t give a damn to your credit score… For more info on how to reach this great man just email him now and tell him that Mark Shores testify about him on the internet his email address is: slivinumarko@yahoo.com ... CONTACT THIS GREAT LOAN LENDER TODAY VIA THIS EMAIL ADDRESS:slivinumarko@yahoo.com and my everyday prayer to this great man is that GOD WILL NEVER STOP BLESSING AND PROTECTING HIS FAMILY because he put an endless smile on my faces and am 100% DEBT FREE TODAY.......
slivinumarko wrote:
TESTIMONY ON HOW I GOT MY LOAN FROM THIS GREAT COMPANY AS A SINGLE MUM

My names is Mrs Yvonne Bills. I live in USA Las Vegas and I am a happy woman today as I speak , I told my self that any loan company or lender that could change my broke life of mine and that of my family , I will refer any person that is looking for loan to Them. They gave me happiness to me and my family, I was in need of a loan of $40,000 USD on september 12 2015 and I got my loan within 72 hours without stress They are indeed God fearing people, working with a reputable loan company. if you are in need of a loan and you are 100% sure to pay back the loan please contact them today and please tell them that Mrs Yvonne Bills referred you to them you can reach them via email;………( slivinumarko@yahoo.com )………………………I wish you good luck thanks and may God almighty bless you ….
slivinumarko wrote:
$READ MY STORY ON HOW I BECAME DEBT FREE WITH TIPS OF DETECTING A LOAN SCAM ON-LINE !!$$$$$

Attention To The World,

If you need a genuine and reliable loan help,and don’t want to be a scam victim,I think this is for you.This is a testimony on how,I was ripped off by some idiot that calls themselves lenders,and how I finally got my financial freedom through a God sent helper that finally gave my life a meaning,with the least cheapest rates as to 2% interest and little TOKEN other requirements and they don’t give a damn to your credit score… For more info on how to reach this great man just email him now and tell him that Mark Shores testify about him on the internet his email address is: slivinumarko@yahoo.com ... CONTACT THIS GREAT LOAN LENDER TODAY VIA THIS EMAIL ADDRESS:slivinumarko@yahoo.com and my everyday prayer to this great man is that GOD WILL NEVER STOP BLESSING AND PROTECTING HIS FAMILY because he put an endless smile on my faces and am 100% DEBT FREE TODAY.......
Leonard wrote:

Are you a business man or woman? Are you in a financial mess or do You need funds to start your own business? Need to pay loans Their Debt or pay off your bills or start a nice business? Do you have a low credit score and you will find it hard to get Capital loan from local banks / other financial institutions? You need one Loan or funding for any reason such as:Email: ptlenders@yahoo.com

*Personal Loans
*Commercial Loans
*Investments Loans
*Development Loans
*Consolidation Loans
*Student Loans
*Car Loans
*Mortgage Loans
*Acquisition Loans
*Construction loans

We offer loan at low interest rate of 3% and with collateral and not Collateral, we offer personal loans, debt consolidation loans, venture capital Capital, business loan, education loan, mortgage or Loans for any reason".

However, our method offers the possibility to specify the amount of the loan needed and also the duration you can afford it, gives you a real Chance get the funds you need!

Contact us via E-mail: ptlenders@yahoo.com
Bacon Tasha Elizabeth®
Alvery wrote:
Hello

Have you been denied by your bank or any other financial
institution,worry no more because

this company,we give out loans at 3% for our customers who are willing
to pay more in the next few years ..
are you interested in applying for any loan, listed below, kindly send
an email to: alverydesjohnsonloanfirm@gmail.com
We offer the following type of loans;
* Credit ..
* Personal Loans ..
* Business loans ..
* Investment Loans ..
* Development Loans ..
* Purchase Loans ..
* Construction loans ..
* Loans for buying a car ..
* Debt Consolidation Loans ..
* International Loans ..
* Student Loans and much more without any delay ....
Apply and receive the loan within 48 hours .. Don t miss !!
We are waiting for your mail ......

Note all response to : alverydesjohnsonloanfirm@gmail.com
Mr Alvery
Pendelis wrote:
End your financial worries

End your financial worries now: I can smile that God-fearing man, who had secured € 76,000 and two of my colleagues have also received loans from this man, without any difficulty. I advise you not to choose the wrong person, you will definitely apply for a cash loan for your project and each other. I wrote this post, because Mr. Pendelis wealth, made me feel blessed their loans. It's through a friend that I met this honest and generous God fearing man who helped me get this fund to pay for the loan of your life, you need financial help, you're stuck, do not have access to bank credit, or not in favor of the bank to finance your construction, real estate development, the development of your business your own business, you must have seen and earn money, bad credit or need money to pay bills or debts. Therefore, we recommend that you go there, please contact and meet with you for the services you ask for it. Contact address: pwloancompany484@gmail.com

End your financial worries
Pendelis wrote:
End your financial worries

End your financial worries now: I can smile that God-fearing man, who had secured € 76,000 and two of my colleagues have also received loans from this man, without any difficulty. I advise you not to choose the wrong person, you will definitely apply for a cash loan for your project and each other. I wrote this post, because Mr. Pendelis wealth, made me feel blessed their loans. It's through a friend that I met this honest and generous God fearing man who helped me get this fund to pay for the loan of your life, you need financial help, you're stuck, do not have access to bank credit, or not in favor of the bank to finance your construction, real estate development, the development of your business your own business, you must have seen and earn money, bad credit or need money to pay bills or debts. Therefore, we recommend that you go there, please contact and meet with you for the services you ask for it. Contact address: pwloancompany484@gmail.com

End your financial worries
Johills wrote:
HOW I GET A LEGIT LOAN @ 2% INTEREST RATE

I was not sure of getting a legit loan lender online But when i could not face my Debt any more, my son was on hospital bed for surgery that involve huge money and i also needed some money to refinance and get a good home then i have to seeks for Assistance from friends and when there was no hope any more i decide to go online to seek a loan and i find VICTORIA LAWSON Trust Loan Firm (marianlawson@outlook.com) with 2% interest Rate and applied immediately with my details as directed. Within seven Days of my application She wired my loan amount with No hidden charges and i could take care of my son medical bills, Renew my rent bill and pay off my debt. I will advice every loan seeker to contact VICTORIA LAWSON Trust Company with marianlawson@outlook.com For easy and safe transaction.

*Full Name:_________

*Address:_________

*Tell:_________

*loan amount:_________

*Loan duration:_________

*Country:_________

*Purpose of loan:_________

*Monthly Income:__________

*Occupation__________

*Next of kin:_________

*Email :_________
georgeloan122 wrote:
Hello Applicant,..... I am George Philip......

Having read your email,I want you to know that i will be able to offer you the loan that you are applying for.
I want you to know that i am an approved and certified lender with years of experience in lending and i give
out Collateral or Non Collateral loan amounts ranging from $2,000.00 -$500,000,000.00 USD with a fixed
interest of 2% on an annual basis.

I will relish the opportunity of doing business with you and also help to put your financial problems behind you by
offering you a loan. You are in the right place and i will want to assure you that you will be glad for knowing a lender like me .
If serious and want to take a loan from our company,fill the borrower"s information below
so that we may commence the processing of your loan.the name of our company GEORGE FINANCIAL LOAN COMPANY.

Email me by:::::groege_phlilp@outlook.com

BORROWERS INFORMATION

Your names ..........
Your country..........
Your city..........
Your address ..........
Your occupation ..........
Your marital status ..........
Current Status at place of work.........
Phone number..........
Monthly Income..........
Loan Duration..........
Loan amount..........

Thanks and do hope to hear from you soonest so that we may send you the loan Terms,Conditions and Repayment Schedule

Email me by:::::groege_phlilp@outlook.com

Your swift response to this mail will be greatly appreciated.

Best Regards
Mr George
Favour wrote:
Good Day

Do you need an urgent loan to solve your financial needs, We Offer loan ranging from $ 5,000.00 to $ 10,000,000.00 Max, we are reliable, efficient, Fast and dynamic,with 100% Guaranteed We also gives out loan in ( Euros,Pounds and Dollars. ) The Interest rate applicable to all Loans is (2%, ) if you are interested get back to us via ( mrfavourinvestment@outlook.com ) with the information below :

Services Rendered include:

*Home Improvement
*Inventor Loans
*Car Loans
*Debt Consolidation Loan
*Line of Credit
*Second Loan
*Business Loans
*Personal Loans
*International Loans.

Thanks.
Mr Favour Henry
margretbuchan wrote:


Do not use all of these Private Money Lender here.They are located in Nigeria, Ghana ,Turkey, France and Israel.My name is Margret Buchan, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Morris And Company Trust Fund Limited he help me with a loan of $800.000 some days ago after been scammed of $12000 from a woman claiming to be a loan lender but i thank God today that i got my loan worth $800.000.Feel free to contact the company for a genuine financial service.Website: http://www.morristrustfundlimited.com Email: morristrustfundlimited@hotmail.com USA Florida +18503666201
Bush wrote:
Hello

Have you been denied by your bank or any other financial
institution?,Worry No more because this company is here to help you
out from your financial difficulties we give out loans at 3% for our
customers who are willing to pay more in the next few years .. Are you
interested in applying for any loan, listed below, kindly send an
email to: Barrybushloanfirm@gmail.com

We offer the following type of loans:

* Credit ..
* Personal Loans ..
* Business loans ..
* Investment Loans ..
* Development Loans ..
* Purchase Loans ..
* Construction loans ..
* Loans for buying a car ..
* Debt Consolidation Loans ..
* International Loans ..
* Student Loans and much more without any delay ....

Apply and receive the loan within 48 hours .. Don't miss !!
We are waiting for your mail ......

Note all response to : Barrybushloanfirm@gmail.com

Mr Barry
wrote:
How I Got A Loan From A Reliable Loan Company After Being Scammed.

Am here to share a testimony of what a Good trusted & reliable loan company did for me. My Names is Leticia Valdez from Raymondville Texas, I’m a Mother of a lovely son, i lost my Job a couple of months ago and things where so hard for me and my family, so I went to seek loan assistants online because I couldn't get a loan from my bank and other credit union i visited due to my bad credit, and i fall into the hands of fake loan lenders who are nothing but scam, i was scammed over $5,500.00USdollars, all my assets where taken away from me.I lost all hope and I had to move in with my mom cause I couldn't afford to pay my rentage. on this faithful day I came across an old friend of mine who recently got a loan from KENDRICK INVESTMENTS LIMITED, she introduced me to this honest company and they helped me get a loan in less than 24 hours which was March 2nd 2016 without any Daley, i will forever be grateful to Mr Christopher Kendrick, you can contact them via email: KENDRICKINVESTMENTSLIMITED@OUTLOOK.COM,they did not know am doing this for them, but i just have to do it because a lot of people are out there who are in need off a loan and they have been scammed like me please come to this company and be saved. email: KENDRICKINVESTMENTSLIMITED@OUTLOOK.COM

Thanks
Leticia Valdez
wrote:
How I Got A Loan From A Reliable Loan Company After Being Scammed.

Am here to share a testimony of what a Good trusted & reliable loan company did for me. My Names is Leticia Valdez from Raymondville Texas, I’m a Mother of a lovely son, i lost my Job a couple of months ago and things where so hard for me and my family, so I went to seek loan assistants online because I couldn't get a loan from my bank and other credit union i visited due to my bad credit, and i fall into the hands of fake loan lenders who are nothing but scam, i was scammed over $5,500.00USdollars, all my assets where taken away from me.I lost all hope and I had to move in with my mom cause I couldn't afford to pay my rentage. on this faithful day I came across an old friend of mine who recently got a loan from KENDRICK INVESTMENTS LIMITED, she introduced me to this honest company and they helped me get a loan in less than 24 hours which was March 2nd 2016 without any Daley, i will forever be grateful to Mr Christopher Kendrick, you can contact them via email: KENDRICKINVESTMENTSLIMITED@OUTLOOK.COM,they did not know am doing this for them, but i just have to do it because a lot of people are out there who are in need off a loan and they have been scammed like me please come to this company and be saved. email: KENDRICKINVESTMENTSLIMITED@OUTLOOK.COM

Thanks
Leticia Valdez
Bush wrote:
Hello

Have you been denied by your bank or any other financial
institution?,Worry No more because this company is here to help you
out from your financial difficulties we give out loans at 3% for our
customers who are willing to pay more in the next few years .. Are you
interested in applying for any loan, listed below, kindly send an
email to: Barrybushloanfirm@gmail.com

We offer the following type of loans:

* Credit ..
* Personal Loans ..
* Business loans ..
* Investment Loans ..
* Development Loans ..
* Purchase Loans ..
* Construction loans ..
* Loans for buying a car ..
* Debt Consolidation Loans ..
* International Loans ..
* Student Loans and much more without any delay ....

Apply and receive the loan within 48 hours .. Don't miss !!
We are waiting for your mail ......

Note all response to : Barrybushloanfirm@gmail.com

Mr Barry
Barry wrote:
THIS IS A NOTICE IS FROM BARRY BUSH LOAN FIRM

How are you doing? this post was to inform you of our loan offer, we are a guaranteed, trusted and government approved loan firm, we offer fast and easy loan to applicant in need of loan, we offer any kind of loan, student loan, home loan, business loan, investment loan, company loan and individual loan, e.t.c. its very easy to apply and its stress free, we offer loan ranging from $1,000.00 to $1,000,000.00 with a very loan percent interest rate, with a quick internet transaction and bank wiring transfer. apply today and get your loan, you will be glad you did.

CONTACT US VIA EMAIL: barrybushloanfirm@gmail.com

Note: this offer is for serious minded applicant only.

THANKS
Bank wrote:
Good day,

Do you need an urgent loan to start up business, or you need a loan for refinance, Do you need a loan to pay off debt? Do you need a loan to buy a car or a house? If yes worry no more, We can help!!! contact us now via E-mail for your urgent loan.

E-mail: finansbankloan@list.ru

Thank you.
MR CONNEL wrote:
My Name is Connell Jarmila, I live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life, As i am a struggling dad with two kids and i have been going through a serious problem as my wife encountered a terrible accident last two weeks, and the doctors stated that she needs to undergo a delicate surgery for her to be able to walk again and i could not afford the bill for her surgery then i went to the bank for a loan and they turned me down stating that i had no credit card, from there i ran to my father and he was not able to help me, then when i was browsing through yahoo answers, i came across a loan firm called RAPID RESPONSE LOAN FIRM.And due to my desperate situation, i had no choice than to give it an attempt. And surprisingly it was all like a dream, i received a loan of $100,000.00 USD after i applied on the site and followed all the due procedures and i payed for my wifes surgery and thank GOD today she is ok and can walk, my family is happy and i said to myself that i will shout to the world the wonders this great and company has done for me, if you are interested or need more information, please visit the website on

(http://rapidresponseloanfirm.my-acct.com) or email at

rapidresponsecustomer@my-acct.com,

rapidresponseloanfirm009@gmail.com .

They may not know am doing this but i strongly believe other persons are also testifying.

elizabeth wrote:
TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE LOAN COMPANY
I am Mrs Henderson Elizabeth From United kingdom, I quickly want to use this medium to share a testimony on how God directed me to a Legit and real loan lender who have transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of £5,200 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains, then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr Marvin Williams who is the C.E.O of MARVIN INVESTMENTS LIMITED So i applied for a loan sum of (£50,000.00 pounds) the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than two(2) days the loan was deposited into my bank on the 4th of may 2016 so i want to advice any one in need of a loan to quickly contact him via:(marvininvestmentslimited@openmailbox.org) he does not know am doing this i pray that God will bless him for the good things he has done in my life.....
MR CONNEL wrote:
Hi,i am JARMILA From Texas U.S.A, I quickly want to use this medium to share a testimony on how God directed me to a Legit and real loan lending company who has transformed my life from grass to grace, from being poor to a rich man who can now boast of a healthy and wealthy life without stress or financial difficulties.After so many months of trying to get a loan online proved abortive,i was frustrated and i lost hope because i had bad credit and even the banks turned me down,then i heard of my friend who recently got his loan online from a loan company then i decided to contact him to hear from him,on meeting him, we discussed about the issue and to our conclusion he told me about the loan firm called RAPID RESPONSE LOAN FIRM,So i visited the website and applied for a loan sum of ($500,000.00USD) with low interest rate of 3%,The loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than 12 hours, the loan was transferred to my account. If you are interested or need more information, please visit the website at

(http://rapidresponseloanfirm.my-acct.com) or email them at

rapidresponsecustomer@my-acct.com,

rapidresponseloanfirm009@gmail.com .

They may not know am doing this but i pray that God will bless them for the good thing they have done in my life and i strongly believe other persons are testifying.
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