Real Estate Networks

Are you ready to take advantage of the many ways you can benefit from refinancing your mortgage? Maybe you have heard about the huge impact lowering your interest rate can have on both your monthly payment and in the total amount you will have to repay on your mortgage. Maybe you have an adjustable rate mortgage and need to get into a fixed rate mortgage before your rate increase.

Whatever your reason for checking out refinancing options, there are a number of important factors that you need to take into consideration before making your final decision.

The word rate refers to the interest rate of a loan. The word term refers to the length of time you can carry the loan. The shorter the duration of the loan, depending on interest rate, the less interest you will have to pay. Of course, the shorter the duration of the loan, the higher the monthly payment will be.

For example, a person who takes out a 15 year loan with a 6 % interest rate will end up repaying a significantly smaller sum of money than someone who has takes has a 6% interest rate 30 year loan, assuming that the person does not pay the loan off in half the term.

Both rate and term are important considerations when making a decision regarding the best refinancing option for your particular situation. There are some situations in which rate is the most important factor, and there are others where term is more important.

It is very important to avoid getting a mortgage loan with payments higher than what you can afford. If you have to agree to a very short term loan to get a low interest rate, it may not be in your best interest to do so.

The payments are going to be higher on a short term loan than one that is longer. Therefore, if you cannot afford to make the higher monthly payment, you are better of going with a higher interest rate, longer term loan. If your income increases as time goes by, you can always refinance at a later date or simply pay off the loan early to save on the overall interest.

In addition to looking at rate and term, it is also important to take closing costs into consideration when investigating options for refinancing your mortgage. Keep in mind that the primary reason you are seeking refinancing is to improve your financial situation. Don’t forget that a refinancingright.com/getlowestrate.html lower interest rate doesn’t always equate to a better deal.

Do your homework so that you can be sure that your interests are served well by refinancing before you make up your mind about what to do. Each person’s financial situation is unique, and you can’t decide what is best for you in terms of what is best for other people. By carefully researching your options, you will be able to make a sound refinancing decision.

Refinancing can give you a huge boost to your financing life. A refinancingright.com/ refinance can mean the difference between struggling to pay the bills and easily affording it. If it’s done right and only in the right situations. For a complete guide on the refinancingright.com/best-time.htm best circumstances to refinance and the proper way to do it come to our website Refinancing Right.

When you decide that it is time to purchase your own home start checking the current interest rates and loan charges at the local banks and money lending institutions. Go online and check lenders there as well. Loans are big business and all lenders are competing with each other for your business so you can choose the company that will give you the best deal.

Find out whether the interest rates are fixed or whether they will fluctuate. It could make a big difference to your monthly payments if the rates are not fixed. You might find yourself later on in the position that you will no longer be able to afford your loan.

Loan charges on these loans are also high so find out whether this amount is negotiable. It is worth trying as every little saving makes a big difference in the end.

Gather all the information you require for the lenders before approaching them as this will make it easier and quicker to get the loan approved.

Things they will want to know is if you have a good credit history and how long you have been employed by your current employer. Your annual is income is important as applicants earning less than a certain amount per annum are not permitted to get mortgage loans. How long you have lived at your present address is also important information they will want to have.

You will probably be required to have a cash down payment when you purchase your new home so be prepared for this as well.

This author writes informative articles on various subjects.

mortgageloanslist.com mortgageloanslist.com

Imagine sitting on your veranda at the end of a fun packed day, lulled into a feeling of deep relaxation and happiness by a combination of the waves lapping the nearby shore and the cicadas doing their evening dance. Your family and friends are close at hand enjoying fine wine and great company and the sun is setting over the sea…you’re vacationing in your holiday home overseas and you’re living the dream.

Does that sound like heaven on earth to you? Yeah, it does to me too…so what’s stopping you from realizing your dream of owning vacation real estate abroad? If something is holding you back from making the commitment to buy a second home overseas, here are 10 top reasons why you should stop listening to the nagging voice and start listening to your heart…

1) Wouldn’t it be amazing to enjoy the culture and history, the beauty and geographic delights of a favourite country? If you bought real estate in your preferred overseas destination you could spend far more time getting to know the heart of the country and the soul of the people and you could satisfy your curiosity about the nation and the delights it has on offer.

2) You could spend more time dedicated to a favourite hobby or pastime or indeed develop new passions in an overseas location conducive to the types of activities you enjoy – whether that be skiing, golfing, fishing, hiking or just being pampered in paradise.

3) If you have an extended family and friends spread out all over the country or indeed the world, owning vacation real estate in a desirable holiday location would allow all of your friends and family to come together, relax and enjoy each others company.

4) Those with children might like to consider owning vacation real estate overseas in a location where its safer, where the environment is more appropriate for outdoors activities, where children can learn, develop, grow and experience a whole new world.

5) Real estate is a great investment – by combining the ownership of a home overseas with your long term financial plan you could be investing in an enjoyable and capital appreciating asset that could set you up for your retirement.

6) By buying a second home overseas you could be taking the first step on the journey to moving to live or work abroad in nation that is of interest to you or a location where there are many opportunities waiting for you. You can spend extended vacations in your new home and get a feel for whether a permanent move would actually suit you.

7) Alternatively, if you’re approaching retirement, by buying vacation real estate abroad in a laid back country with a good climate and an affordable cost of living you might be taking the first step to retiring overseas!

Those who aren’t sure whether they will get much use out of a second home abroad could rent out the property when they are not using it and derive an income from it – this income might even be sufficient to pay any mortgage or to fund your own trips out to the home once or twice a year.

9) Some countries in the world are known to have extremely exciting property markets where real estate has been undervalued and is now appreciating in value rapidly – if you want to get in on the act then buying a second home in such a location should fulfil your objectives.

10) Finally, those who enjoy DIY and home improvement might like the challenge of buying a rural rundown retreat overseas and restoring it to its former glory.

If you have a dream of spending time overseas in a home of your own, don’t let anything hold you back from realising your aspirations.

Rhiannon Williamson writes about investing in real estate and buying shelteroffshore.com/index.php/property/” target=”_new property abroad on her site shelteroffshore.com/ ShelterOffshore.com - you will find a wealth of top tips and fast facts relating to everything to do with international real estate and property investment on her site.

I recently represented a couple who purchased a beautiful $400,000 home. The Sellers of that property had hired a childhood friend who got her real estate license just three months before. Although I am sure that the decision to hire their friend made sense on a personal level it ultimately cost them a lot of money.

During contract negotiations, the Seller’s agent revealed to us that her clients had made a commitment to buy a new home from a builder. She also told us that the builder was demanding that her clients find a buyer for their home or else the builder would cancel the sale of the new home. The deadline to find a buyer was the next day. We interpreted this to mean that the Sellers were in a tough spot so we made an aggressively low offer. The Sellers put up very little resistance and my clients got the home for at least $7,500 less than what they were willing to pay.

Later, during the inspection negotiations, my clients, believing that the Sellers’ were still in a tough spot, took the same aggressive position to negotiate repair concessions. Again, the Sellers conceded; costing them $1,500 more than the Buyers would have otherwise expected.

Lastly, because the Sellers believed that their Agent had done things to jeopardize the deal, they made a final concession worth approximately $2,000 in order to save the sale.

I doubt that the Sellers know that their Agent shared “insider information” with us which ultimately cost them over $10,000. For that matter I doubt that the Agent has any idea of the money her “loose lips” cost her friends.

For years real estate sales have been booming and it seems that everyone is racing to get their license in order to get a piece of “the easy money.” I assure you there is nothing easy about this business. Buyers and Sellers should hire knowledgeable and experienced agents to represent them. Although the length of time an agent has had his or her license is no indication of their skill or experience level it’s certainly worth checking out. You can usually learn how long an agent has had his or her license by visiting your state regulating body.

Will Daly, a Realtor with RE/MAX Excalibur in Phoenix and owner of the marketing labels WeKnowUrban.com/ WeKnowUrban.com/, CondosPhx.com/ CondosPhx.com/, and WillDaly.com/ WillDaly.com/, combines years of experience, a thorough understanding of current real estate markets, and cutting edge technology to provide his clients the best advice for proven results. He specializes in Loft and High Rise Development/Sales and Condo Conversions. You may reach him directly at (480) 510-8755 or by visiting one of his web sites.

The price difference between various real estate markets is what many people try to profit from. I call this the spread. For example, Manhattan residential real estate prices are roughly $1000 a square foot. Downtown Jersey City and other equivalent outlying urban areas of Manhattan, such as Brooklyn Heights and Park Slope, might be $600 a square foot. That makes the spread between those markets about $400 ($1000 less $600) a square foot.

Bond traders or people that trade stocks look for or observe price spreads. Bond traders refer to the spread in basis point and in yield to maturity. So if a corporate bond yields 8% and an equivalent term US treasury bond yields 6%, then they would say that corporate bonds trade at a spread of 200 basis points or 2% (8% - 6%) to US treasuries.

In real estate people reach out to more far reaching real estate markets in the hope that those markets may mature or improve and that the price may rise closing the spread between that market and another.

Example: Brooklyn Heights versus Downtown Jersey City.

In Brooklyn Heights versus Downtown Jersey City, I observed there to be a significant price spread. The selling price per square foot for housing in some comparable neighborhoods of Brooklyn Heights can be significantly higher than in Downtown Jersey City.

Recently I previewed several properties in Brooklyn Heights selling for about $750 a square. Since Downtown Jersey City is at about $550 per square foot, then this would imply a spread per square foot of $200 ($750 - $550) between Downtown Jersey City and Brooklyn Heights.

I am looking for those spreads to narrow. A lot of development is transpiring in Downtown Jersey City. This will probably keep prices down in the near term (next couple of years) as a lot of inventory comes on the market and requires market absorption. However beyond the next couple of years as Downtown Jersey City improves, I believe those spreads will narrow.

As larger developers further their projects and advertise their projects on an international level, more attention should be brought to bear on Downtown Jersey City. I speculate that Donald Trump has every intention of marketing his Trump Jersey City beyond the local markets. Plus let’s not forget about the new $130 million dollar international golf course over at Liberty State Park. This is all free advertising on the coat tails of these projects and I further speculate that these projects will bring international attention to Downtown Jersey City.

So expect to see some price spread movements between the above mentioned markets over the next ten years. Although there is no guarantee that the spreads will narrow, I speculate (based on the above circumstances) that the probabilities point to the spreads narrowing rather than widening.

Link: RealEstate-Calc.com www.RealEstate-Calc.com

I have twenty years experience in the financial services industry with specific experience in financial statement preparation, risk management, financial modeling of interest rate derivative products, and forecast modeling. My forecast modeling experience would relate to financial statement analysis and new product line optimization.

Jack and Mary were desperate. Mary received a big promotion in another state and Jack was looking for a new job in the same city. It was just too good to pass up. Mary was a rising star in the health care industry and with the huge pay boost and promotion it was a job she had dreamed of ever since leaving graduate school armed with her MBA. Jack was a natural born salesperson and could work anywhere selling just about anything. He liked high tech sales in the high ticket electronics field and was close to catching on with a company in the same city as Mary’s new job. One problem, they had a large house to sell in a very slow and slumping real estate market.

Jack and Mary counseled with the local real estate ace that had long been the resident expert Realtor for their community. They had been in their home for six years and with the past real estate surge they had lots of equity now. Because this was happening so fast, Mary moved to a small apartment near her new job. The relocation price offered by the company was way too low for what they felt they could command in the market. This option was rejected. With ongoing brain storming with Tyler the Realtor, the scenarios included, lease options, lease purchase, and a seller held second. The lease scenarios would be the iffiest of the three. Jack and Mary instructed Tyler to hold the price and offer to pay the selling Realtor a selling fee plus a bonus of $2,500 and agreed to pay the closing costs and prepaid expenses (pre-paid interest, tax and insurance escrows) up to an offered $14,000. Likewise, Tyler was instructed to offer through the MLS selling terms to include a seller held second of 5% to 10% of the purchase price. The list price of $475,000 would mean that the Jack and Mary were willing to hold a second mortgage of 5% Loan To Value (LTV) or $475,000 x 5% = $23,750 or 10% LTV at $475,000 x 10% = $47,500.
Tyler, the listing Realtor, had been in discussion with a mortgage broker active in their area and had some clients that could only get a 90% to 95% LTV first mortgage. They had some credit dings, which were holding them back. Each had fully documented income and was making good money. There were valid reasons for their rocky credit history and both needed time to rebuild their credit. Tyler showed the home to both the prospective buyers who had credit challenges. The first couple didn’t like the kitchen layout or the back yard size. The second couple liked the house and had similar reservations but with the flexible financing they figured they could live with it and make changes and improvements down the road when they could refinance down the road and get sufficient monies to do some home improvements.

Jack had closed up the house and had moved with the furniture in tow to join Mary at her new location. The furniture was put into storage in hopes that it wouldn’t be there long with Realtor Tyler on the case. Jack had been actively working on his job hunt in the new city for two weeks now. Tyler was now on the phone presenting the offer from the buyers who needed seller help. The buyers would need Jack and Mary to pay $15,000 in closing costs and prepaid expenses. Tyler was making the deal himself so there was no bonus involved. The offer was based on a seller held second mortgage of $47,500 with an interest rate of 10% with a 30-year term and a three-year balloon. The payments would be $416.85/month. At closing, Jack and Mary would payoff their first mortgage of $200,000 and would get somewhere around $188,000 in cash at closing and the seller held second of $47,500.00 paying $416.85/month. Tyler went on to explain that the buyers were putting very little of their own money in the deal and explained the downside risk involved if the buyers defaulted. The only way they could protect their 2nd mortgage equity would be to buy in the first mortgage or just take the loss. Tyler and the mortgage broker, with the buyer’s permission, indicated that Jack and Mary were in essence underwriting the 2nd mortgage loan on part of the buyers. It was up to them to pass or deny.

On weekends Jack and Mary were looking at new homes, which might meet their needs. One in particular, due to the soft market, the builder was offering major concessions and sales inducements including paying all the closing costs and prepaid expenses. With potentially $180,000 cash available for any purchase they were looking at a builder deal loaded with incentives for a home worth $750,000, which they could now buy for $650,000. The nagging fear was what would happen if the 2nd mortgage payer defaulted. Since, it was up to Jack and Mary to pass on the buyer’s credit worthiness, with the buyer’s permission, they went over their entire credit package and personally interviewed them on the phone to find out something of the character of the buyers and the back ground of the of how the credit dings had taken place. It turns out it was a temporary medical problem that had put them behind the eight ball and precipitated their credit dings. Jack and Mary decided to take the deal. Since the buyers had been already pre-qualified, the sale took place in two weeks.

Jack and Mary, with closing funds in hand, closed moved into their new home. Six months had passed and the buyer’s of their prior residence had made their second mortgage payments on time as agreed. The home had everything they wanted in a home except a pool and spa. The dilemma for Jack and Mary, even though they had got an incredible interest rate in the soft market they were reluctant to incur any additional debt with the 2nd mortgage paying off in now 2.5 years. Jack received a letter in the mail from an investment note buyer who was offering to buy the note at a discount since the note now has some “seasoning”. Running the math, with the investor getting a 15% yield on a 10% face rate ballooning in the next 30 months were offering to buy the note for $42,900 cash. Just for grins, Jack being the super salesman and dealmaker had been working on construction quotes with a pool contractor. He had managed to negotiate a $5,000 reduction and could put everything they wanted for $40,000. Pool contractors were slow right along with the rest of the real estate market. Jack and Mary showed the documentation to the note buyer that indicated six months of on time payments together with copies of the note and mortgage. The note was sold netting out $42,000 in cash. The pool was built the following week. Life was good.

Soft markets can lead to flexible terms which can help complete real estate deals. Keep and open mind. There is more than one way to skin a…real estate deal.

Dale Rogers

sellerhelpsbuyer.com
brokencredit.com

Dale Rogers is a thirty-year mortgage veteran and frequent contributor to the Broken Credit Blog. The BCB is a free website created to assist the general public with information about credit repair and responsible mortgage lending.

BrokenCredit.com BrokenCredit.com
sellerhelpsbuyer.com sellerhelpsbuyer.com

What is a loan-to-value ratio (or LTV)?

The LTV is very important in determining the amount of capital that can be obtained to finance a given property. LTV relates the principle portion of a mortgage to the appraised value of a property. This LTV is very similar to collateral discounting as it serves to protect the lender’s debt stake in the property.

LTV = Amount of Loan / Value of Property

The lender will determine an LTV value based on factors such a financial history of the business, credit scores, length of loan, etc. After which, the lender will multiply the LTV by the appraised property value to determine the maximum loan amount that can be given to a borrower.

Amount of Loan = Value of Property * LTV

Clearly, without other considerations the borrower benefits from a higher LTV ratio.

What is Debt Service Coverage Rate (or DSCR)?

The DSCR approaches the mortgage picture from an entirely different angle than the LTV. Where the LTV determines the loan amount based on the value of the property, the DSCR bases upon the cash flow of the property and/or borrower.

DSCR = Debt Service / Cash flow

The debt service is usually taken as an annual figure that includes both repayment of principle and interest payments for a given year. Cash flow is calculated by taking adding noncash expenses back to net income such as depreciation.

Once again, the lender will use factors such as business credit, industry risk, etc. to call a figure for DSCR. Usually this will be around 1.20. After which, the total debt service is calculated and a total loan amount derived from it.

Debt Service = Cash Flow * DSCR

Without other considerations the borrower can benefit from a lower DSCR ratio, but remember a borrower will usually feel the pain of an under calculated DSCR (Not being able to pay the monthly mortgage!) before that of an LTV.

The home buying process is not simple; it involves a maze of legal work, negotiations, dealing with various professionals, finding a good mortgage deal and worrying about it falling through, as well as actually hunting down your ideal home. This whole process is enough to drive somebody crazy!

A notable characteristic of the home-buying process is the number of papers that you have to go through and sign. The paperwork never seems to end, to the point that you can be forgiven for getting the suspicion that you’re simply signing papers to prove that you have signed the previous ones! While some people might thing that this paper trail is amusing, others might get exasperated and possibly give up in the process. However, once you know what to expect in the home-buying process, you will be in a position to handle the stresses in a better way.

So, what kind of paperwork can you expect to deal with when you decide to buy your own house?

The paper trail starts right at the beginning of the home-buying process, and will go on to the end, 15 or 30 years later, when you finally complete your mortgage payments and are given total ownership of the house. There will be paperwork required in order to find out about your credit history and get your finances in order even before you begin hunting for your ideal house. There is also paperwork involved when applying for a loan pre-approval, and even more when you actually get around to making an offer on a house. Once you’ve made an offer on your home, you’ll need to fill out papers for appraisers and inspectors, and you’ll get quite a bit of paper in return. By the time you get to the closing, you will have gone through a fair share of papers.

Closing is the point at which the actual ownership of the home changes hands. This is for most people the most exciting part of the home-buying process. The bad news is that it takes about two hours at the minimum of nothing more than paperwork. I would therefore advise you to go into the closing prepared for this eventuality, and to make sure that you have a very clear mind so that you can through all the papers and understand them. Don’t just append your signature to the papers in a hurry to get over the process; the papers that you sign are legally binding, and you must know what you’re getting yourself into.

To handle the problem of deciding upon the actual date of departure of the current occupier of the house, you could include a clause in the closing documents that imposes a fine on the occupier if the house is not vacated within the stipulated period. However, remember to be realistic in the time you allow the current occupier to vacate the house, and not to place undue pressure on them. Usually, 30 days would be a good amount of time to give the occupier to vacate the premises after the closing papers have been signed. The addition of the penalty clause will help to ensure that the current occupier takes the departure date seriously, as the penalties can be quite high.

You now have a better idea of the kind of paperwork that you can expect during the house-buying process. However, don’t let the paperwork frighten you away from owning your house. When you think about it, the added ’stress’ of a few dozen signatures is really a small price to pay for such a great reward.

Copyright 2007 - buy-a-home-guide.com buy-a-home-guide.com

All Rights Reserved Worldwide. Reprint Rights: You may reprint this article as long as you leave all of the links active, do not edit the article in any way, and give the author credit.

Sorting through the numerous mortgage options available to today’s home buyers can be
intimidating for everyone from first-time purchasers to long-time owners. The rules seem to change
constantly and there’s a smorgasbord of terminologies to learn.

Fear not–the basics are fairly simple and there are a host of real estate professionals more than
willing to help, with your Realtor and bank’s mortgage specialist at the top of the list.

Nonetheless, you’ll want to at least familiarize yourself with the mortgage process, how to arrange
one and the different financing strategies involved.

First, it’s necessary to know exactly which kinds of institutions will lend you money. Banks and trust
companies lead the pack, but credit unions and private lenders also offer funds.

There’s also an option to consult a mortgage broker. Brokers have access to a wide variety of
lending sources, including domestic banks and trust companies, but they can also employ other
alternatives such as pension funds, real estate syndicates and foreign banks.

You may also find yourself in a situation where you can ‘assume’ an existing mortgage held by the
seller. Advantages of assuming a mortgage are that you can speed the buying process due to
reduced paperwork and save money in lower legal fees and closing costs. A disadvantage is that the
current lending rate may be less than that of the assumed mortgage.

Now that you have an idea who will lend you money, you’ll need to know the different kinds of
mortgages that are offered. The most common by far is the ‘conventional mortgage.’ Lenders will
loan you up to 75 per cent of the appraised value or purchase price of the property (whichever is
lower), and you must come up with the remaining 25 per cent yourself. Many people save
specifically for this purpose, but in some cases, alternate or ’secondary’ financing maybe available.

A ‘high-ratio’ mortgage is one alternative if you don’t have the 25 per cent down payment. These
are available for up to 95 per cent of the appraised value or purchase price of the property
(whichever is lower) to a maximum set by government regulation. The proviso is that high-ratio
mortgages must be insured, and the cost, from one to three percent of the mortgage amount, falls
to you.

‘Variable-rate’ mortgages are usually offered for both conventional and high-ratio mortgages.
Typically, your monthly payments remain fixed for the term, while the interest rate fluctuates with
economic conditions. This means that if interest rates climb, you’ll be paying more per month in
interest. If rates drop, you’ll then be paying more off your principal. Conversely, ‘fixed rate’
mortgages maintain the same rate of interest over the entire negotiated term.

There are some other concepts to become familiar with that will impact your mortgage and financial
well-being.

Amortization refers to the time period in which the mortgage is assumed to be paid. A common
amortization period is 25 years. This means interest and principal payments are set as if you were
paying the amount borrowed over a 25 year payment schedule. Obviously, the shorter the
amortization period, the less interest you will pay.

Prepayment privileges are very important for borrowers to consider. These arrangements allow you
to pay money against the principal, reducing the total amount of interest you’ll ultimately pay.
Open mortgages generally denote those that allow prepayment with few restrictions, while closed
mortgages carry no prepayment options.

Don’t be daunted by the many concepts and terms regarding mortgages. Arranging one isn’t that
difficult–all it takes is a little brushing up on your part and the experience and advice of a good
Realtor or mortgage professional.

For more information on buying or selling a home, contact the Ontario Real Estate Association at 1-
800-563-HOME for a free copy of the How to Buy Your Home or How to Sell Your Home book.

Martin Sarkissian acme realty Inc. Visit our website for homes for sale and other information mls.

acmerealty.ca www.acmerealty.ca

Pricing your home correctly is the #1, must be done first, priority item in the path of selling your home. If your home is not priced at true market value, you lose. You lose money, you lose excess time on the market, and you may also lose the opportunity to sell your home.

1. Appraiser – Hire a Real Estate Appraiser, you can find a local professional from the website of The Appraisal Institute. It is an international membership association of professional real estate appraisers, with more than 18,000 members and 99 chapters throughout the United States, Canada and abroad. Its mission is to support and advance its members as the choice for real estate solutions and uphold professional credentials, standards of professional practice and ethics consistent with the public good.

2. Bank of America – Has an online service available for FREE on their webpage. Check it out easy to use enter your address and zip code press enter and there are the numbers. realestatecenter.bankofamerica.com/RePortal/Homepage.aspx

3. Real Estate Agents – Only the cutting edge internet savvy Realtors have an on line FREE Over-The-Net home evaluation service. Some try to send you off to pay services, if your going to pay anyone it should be an Appraiser.

4. Legal Business Newspaper – Every city and county has a Legal Business Newspaper that it uses for all public legal announcements. They also publish foreclosures, divorces,
Judgments and Property Transfers. Larger papers have on-line services and keep archives.

5. Tax Records – City and County Tax records show all property ownership and transfers. They show when a property was sold and for how much. It also shows the recent appraisal information used to compute the tax. Online some have been updated to show photos of the property.

6. Multiple Listing Service – You can directly access the MLS to see at what prices homes are listed. This does not give you true market value but gives you a reference to where it may be going, up, flat, down.

7. Realtor.com – the premier real estate web site more people by far use Realtor.com to get information on residential real estate. It has the same information as the MLS but usually has more photos and is usually easier to navigate.

I have left off the most obvious which is to have a real estate agent come out and prepare a CMA (comparable market analysis), don’t believe that all real estate agents are equal. Do this only if you are not sure if you will actually try to sell on your own. It’s kind of slimy to have someone do work for you, with you knowing your not going to work with them.

Bill Carey with over 30 years in real estate sales, investments, and home building offers a unique perspective to the buying and selling process of residential real estate for F*R*E*E consumer information and reports log on to CharlotteNCExecutiveHomes.com CharlotteNCExecutiveHomes.com and see
“Insider Real Estate Secrets Revealed”
…a must-read for Home-Owners and Renters!
It’s a F*R*E*E 12-lesson e-course covering more than 20 topics exposing the realities behind buying and selling a home.
It Could Make(or Save) You Thousands of Dollars

See BillCareyRealtor.com BillCareyRealtor.com and sign up for our monthly e-newsletter with tips for buyers, sellers, home owners and soon to be home owners.

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