Realtors Realtors Access To MLS And How It Helps You

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Realtors pay a great deal of money to have full access to MLS and its listings; This is how that service through a realtor will help you. Listings of homes are most commonly listed through MLS more so than any other listing service for single-family residences and commercial real estate.

What is MLS? Good question. The MLS listing service is the multiple listing services for the real estate world, both commercial and single-family dwellings. The MLS is listed both as a statewide and nationwide listing service. Through the Board of Realtors in every area, the realtors and agents have the opportunity to sign up for the access of the MLS listing services.

The MLS service contains all the information about each property listing. MLS is a convenient way to view this information, including pictures, measurements, maps and much more. The realtors that register for this service pay annual dues, and additional fees. This does not only include the listings on MLS, it also pays for the evolution of MLS.

Originally this data of houses was on paper, and the realtor would have to research through the books to get the information. Now days with computers and the internet, the MLS service has increased productivity and getting the best deal exponentially.

The realtors have this access that provides a higher level of detailed information about the lists, where the standard visitor only gets basic information. To list with MLS, it is around $ 400 and to use the MLS as a realtor it is about $ 1000.

Realtors submit and join with their local, state, and national Board of Realtors. With this joining, the MLS listings will typically include the MLS sign up. MLS listings have roughly 99% of all the homes available in any given area, therefore with the realtor being signed up with the Board of realtors, and the MLS they are able to offer you a greater variety of services, listings and options.

With all that realtors have to do, and since it is hard for them to be in two places at one time, your realtor will have certain plans daily to research the homes on the MLS to show you. They will research the criteria you and him or her discusses, and then they will be able to send you the results via email, or on the telephone. This will give you the opportunity to go by and look at the homes for sale.

If you are selling your home, the realtor will use the MLS to list your home and then you will have a much wider variety, including other agents looking at your home. This opens up the door to better selling opportunities.

MLS listings improve the competitive advantage in the real estate market, simply by creating a more efficient way to look at more homes that fit your needs in a smaller amount of time. The realtor you work with, through the MLS listing service will be able to find the homes and criteria you are looking for quickly and you will be able to beat the competition by getting to the home faster.

The MLS listing services are simple to read, clear to understand and informative when it comes to the lists of homes. This improves the chance of making research of homes easier and more efficient.

When you use your realtor that uses the MLS listing service you get the highest level of quality listings in a timely manner that will increase your chances of getting the better deal.

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Source by Tina Abraham

3 Of the Best Florida Real Estate Investing Markets

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Florida real estate investing opportunities are plentiful, but succeeding in this market today requires careful consideration of location. Investors often buy houses within the Sunshine State for use as vacation rentals, but offering long-term rental homes may be a better option for now.

Those considering Florida real estate investing may find it beneficial to work with realtors familiar with the state. Many realtors specialize in selling bank short sales and foreclosure homes and can assist investors with locating discounted properties.

Due to the fact that many Florida residents have lost their home to foreclosure there is ample opportunity for investors to generate income by offering long-term rentals. Once homeowners lose property to foreclosure they are usually forced to become tenants until they can qualify for another mortgage loan.

Although Florida has been hit hard by foreclosure there are still plenty of opportunities to generate cash flow with investment property. Since Florida is one of the world's most popular vacation destinations many investors seek out beachfront homes. However, it can be beneficial to scout out homes in Orlando and Daytona as these areas are home to tourist attractions such as theme parks and motorsports racing.

Central Florida

Orange County, home of Orlando, offers a multitude of good real estate deals. Orlando has gotten a bad rap of having high incidences of crime. There are a few areas which fall into the high-crime area and should probably be avoided. These include Kissimmee and Pine Hills, along with homes located on Orange Blossom Trail or International Drive where most of the major tourist attractions are located.

Safe areas around Orlando metro include: Oviedo, Dr. Phillips, Altamonte Springs, Baldwin Park, and Winter Park.

Central East Florida

Volusia County is positioned on Florida's central east coast and encompasses a variety of beach towns, including Daytona Beach. Daytona offers nearly year-round racing excitation with NASCAR, Formula One, Grand Am, and motorcycle races hosted at Daytona International Speedway.

The racetrack is nearly within walking distance to Daytona Beach International Airport. The immediate area consists primarily of retail stores and hotels, but several residential communities are positioned within a 5-mile radius.

It is important to first determine if properties are located in communities governed by homeowner's associations as HOAs often prohibit short-term vacation rentals. It can be advantageous to work with a realtor when seeking investment properties in this area. Popular locations include Williamson Boulevard, Clyde Morris Boulevard, and Tomoka Farms Road.

South Florida

Investors often shy away from the Florida Keys for fear these properties are cost-prohibitive. Although some homes are priced higher than other locations within the state, there are still good deals to be found. Investors should plan on keeping a watchful eye over property listings within the Florida Keys because these homes tend to sell quickly.

Key West is a favorite location for many investors because visitors are willing to pay higher rental rates when escaping to paradise. Homes in this region can be a bit pricey, but with patience and perseverance, investors can locate discount properties.

The median cost of a 2 bedroom / 1 bath seaside cottage in Key West is $ 185,500, while a 3 bedroom / 2 bath pool home hovers around $ 500,000. Investors who purchase property in Key West tend to generate a higher level of cash flow because people who rent beach homes in the Florida Keys tend to have higher income.

Regardless of your budget, there is plenty of Florida real estate investing opportunities. In addition to residential homes, condos, and townhouses, investors can find great deals on commercial realty or even buy a private island.

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Source by Simon Volkov

Finance, Lifestyle And Benefits Of A Finance Calculator

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Life style is now a debatable topic for everyone. When lifestyle comes to our mind we get straight. It is true that lifestyle and finance are co-related to each other. You can not maintain a good lifestyle if you have poor income resources. So it is clear that finance and lifestyle need to co-exist in some form. Lifestyle deals with buying the latest fashionable accessories and gadgets or any home appliances. So money is the key word for you so that you will deserve to such kind of lifestyle. If you do not have enough money to maintain lifestyle, then you need not to spend the money.

The ideal lifestyle should be in form of financial stability. Make sure your financial status is good then go for maintaining lifestyle. It will be foolish to dreaming lifestyle if you have not capacity maintain it. So that it will make you bankrupt. Do not go through the artificial magazine flash, they will make debarred from your society. As there is a proverb "cut according to your cloth" is really true. Give focused to your financial strength. Make sure that which life style will suit with you then you will go for investment.

Every body wants to maintain lifestyle as they saw their neighbor's lifestyle. It is the mistake that the common people think that they are sufficient money. But the concept is absolutely wrong. As to show their status symbol they are spending money with out any hesitation. The Gandhian principle is actually to follow by every one. Finance is the first thing you need to consider when you go for a certain lifestyle.

Benefits Of A Finance Calculator: You will often find pundits or gurus are using a finance calculator while they determine your mortgage or home loan payments of your personal finance. Many people do not understand of finance calculator and their functions. As the software technology develops, many people are unknown to these products. But there is sufficient information on internet that you can get more details. This is not because they are too complex to understand, but because people simply do not see their relevance. Even the salesman tries to negotiate about the finance calculator with all sorts of hype, still you unaware to try the demo. If it is something new and foreign, we need to treat it carefully.

A finance calculator is a small computer device that can perform a variety of specific finance calculations. The main purpose of a finance calculator is that you can use it for long term calculations of your budget or your home loan or car loan or any classroom calculation. This financial calculator is designed with some finical variable to analyze the complex financial equations. It is much better than a simple calculator. You can calculate and analyze your own personal budget. Finance calculator is only for you to account your daily financial analysis.

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Source by George Wood

Independent Travelers – The Surprises of Heidelberg, Germany

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Two independent travelers with an inspired itinerary were on a road trip from Munich to Alsace, France and selected the university town of Heidelberg as a stopping point to keep their drive time reasonable.

Road Trip Basics

We begin planning our road trips well in advance of the actual journey and strongly recommend using the free app from Michelin (viamichelin). Getting familiar with the tool beforehand gives you the confidence to use it during your road trip. Check it out to learn more.

The drive was uneventful and a little longer than expected due to road construction but we try to leave a little slack in our plans … less stress, the slow travel way.

Our hotel research was also done well in advance, since this was our first visit to a new region of Germany. The selection process came down to location and promotion to the "Old Town District", The Neckar River and the famous "Old Bridge" and, of course, the Castle. Using "Trip Advisor" to scan the options we selected the "Hotel Hollaender Hof" and booked directly with the hotel. We requested a room with a nice river view and on a high floor … the booking was confirmed.

Surprise One – The Perfect View – Corner Room Overlooking the Bridge

When we are close to our departure date we do some pre-trip research and usually check the events calendar of the local tourist boards. We noticed that on the date of our visit, purely by chance, there was a special celebration known as "The Illumination of Heidelberg Castle" which has a spectacular fireworks display … located right on the Old Bridge … right out our hotel room windows! If you can, try to book room 340.

The hotel is positioned on the river and we expected that the parking may become a challenge but to our surprise there was more than ample parking disbursed through the town.

Surprise Two – Fine Dining on a Small Side Street

After checking in and getting oriented we started to look for restaurants for our first night in Heidelberg. We checked out "Yelp" and it suggested a few places close by, but we were hungry and the hotel had good reviews so we went downstairs and found a table on the outside terrace. The menu considered of "typical" German fare which we have been eating since we arrived in Munich and we looked at each other … and since the service was very slow, with no drink order taken, we shrugged our shoulders and literally snuck out of the terrace with a little mischievous grin on our collective faces. "Hey, did not you find a great place on Yelp and it was nearby too?"

The "Oskar Restaurant" was located on the side street next to the hotel and it became surprise number two. It was wonderful. The seating outside on a very warm night was peaceful and romantic.

Their menu was upscale, extensive and definitely unique … we started, of course, with an excellent dry German Riesling wine, followed by warm bread with a tasty herb spread, and a tiny cup of cold logo soup. Then onto the more serious trips of beef carpaccio, a grilled octopus salad, and for the main course we split a beautifully prepared skin-on fried sea bream served on a bed of leek risotto with lemon sauce. Dessert was a biscotti and sherry for a nightcap!

As a side note, many people are related to order German white wine after having it stateside because it is usually sweet. We found the German wines to be consistently excellent and to avoid the sweet offers simply ask for a "Trocken" (dry) wine in a modest price range and you will be surprised.

Surprise Three – The Heidelberg Castle

The main tourist attraction in Heidelberg is their famous Castle and that was the target on our second day in town. We headed out to the tram and enjoyed a brief but very scenic ride up the mountain to the first stop, the Castle. It is possible to continue the tram ride to the top of the mountain if you were so inclined (no pun intended).

The Castle Ruins

The Heidelberg Castle is actually the famous ruin of the original structures dating back to 1214. Over the centuries it was expanded, destroyed by lighting, rebuilt, and damaged by wars and more fires and rebuilt again. The present structures were once again destroyed by a lightning bolt in 1764 but fortunately they are regarded as a German landmark and are now being preserved.

A visit to the Castle really reads a dedicated four hour visit (a morning or an afternoon) and is greatly enhanced by a guided tour which is the only way you can see the interior of the castle.

Second alternative is renting self-touring headsets and paying a nominal fee for admission to the Castle Courtyard which enables you to check out the alcoholic oak wine barrel (holding 58,100 gallons of wine), and also tour the Pharmacy Museum … all at your own pace and schedule … the slow travel independent approach.

You can also simply walk along the outside of the castle and explore the grounds with their beautiful gardens and take in views of the city … all for free.

Surprise Four – The Charming Village and lots of Interesting Shopping

The tram back to the village deposited us right in the middle of the "Old Town District's" charming cobblestone streets and their amazing assortment of shops. The options were vast and the surprise was just how many excellent shops as well as how many blocks were in the "Old Town". We only spent a few hours here and that was just not enough.

Surprise Five – The Pre-Fireworks Dining Experience and the Extraordinary Fireworks

The ships in the Neckar River began amassing at midday and the crowds started to build all afternoon until becoming massive at sunset … tens of thousands of people on both sides of the river in a festive and happy mood … after all it IS a celebration!

Great Dinner the Second Night

With the aid of a German "Open Table" app, we booked our dinner at the "Wirtshaus Zum Nepomuk" which had outdoor seating and was right next to the hotel. Our plan was to eat reliably early and get back to our room-with-a-view in time for the extravaganza. We started in our usual way with a bottle of an excellent German Riesling, followed with a perfectly prepared scallop entrée and an unusual combination of grilled beef tenderloin and salad entrée.

The light-the-fuse time was getting close so we skipped desert and made our way back through the crowd to our hotel room. We opened all the large windows, opened another bottle of wine, set up chairs overlooking the crowds and the "Old Bridge".

The Celebration

The history behind this spectacular is credited to the "Elector Palatine" Friedrich V, when he first bought his newlywed bride, Elizabeth Stuart, back to Heidelberg in 1613 and he blessed her with a fireworks show. The celebration has continued ever since and in 2013 (the year we were there) the event celebrated its 400th anniversary.

The specter begins with the castle gradually being encoded by a red light and eventually the lighting effects completely cover the structure … representing fire. The special effects would have made Walt Disney proud! After a few minutes the "flames" fade and the firework show over the bridge begins.

Please goggle the event and observe one of the most amazing pyrotechnic displays.

Surprise Six – Heidelberg Needs a Longer Visit

As slow travel proponents we really missed this one. The village and surrounding areas offer so much. Our slip-up was to use this as a way station instead of a destination … we hope you may learn from our mistake.

After all, what is the hurry … be inspired!

© Inspired Travel Itineraries with Bob and Janice Kollar

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Source by Bob Kollar

German Castles – 4 of The Most Incredible Ones – Part I

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We have a long history here in Germany and very medieval castles also. Tens of thousands of tourists come to Germany day in and day out just to see and feel the "charisma" of our German castles.

I will explain you 4 of my favorites and a little bit of their history. If you plan to travel to Germany, you might like to know them and to feel its charisma too. 😉 These 4 castles are located in South Germany, so you do not have to travel hundreds of kilometers / miles to see each of them. By the way, most of our German castles are located in South Germany.

1. Heidelberg

The first one I describe to you is the Heidelberg castle. It is really big and has a secret stairway to walk up to it. Very few people know that way, most of the people go up by the "hill train". I mean, you can do that too, but imagine how incredible it is, when you walk up the more than 300 stairs (each stair has its number on it!) And see all the old houses around you, WOW!

Heidelberg itself has a strong history too and you see that on all the houses and the extremely expensive residential areas. Very famous people live in Heidelberg, such as Steffi Graf and famous Scientists. You should also walk through the, and now I'll give you a secret secret, "Philosophenweg" (Way of Philosophs). You may ask the people out there where exactly this way is, but however when you walk up that way, you have really awesome, and I mean really awesome view to the Heidelberg castle and Heidelberg itself and its river (Neckar).

2. Schwetzingen

Not far away from Heidelberg (approx. 10km) is a small town called Schwetzingen (yes, I live in this town and I love it!). The special thing here is, that this town has just 22,500 residents, but also a huge castle! When you visit German castles you will realize, that some of them not so big, but beautiful too. The castle of Schwetzingen is not just beautiful, it's awesome and huge! The city itselfends all of the entrance fees (only 2,50 EUR per day) into this incredible castle, and you see that at each corner stone, plant and bloom.

The Schwetzingen castle is almost as big as the city itself! 🙂

Its history goes back to Baroque, Rococo and Classicism. It's still apparent today that the irregular complex of the Schwetzingen castle in essence dates back to a medieval castle altered in the Renaissance period.

At the end of your castle visit you absolutely must go to one of the irresistible cafés and restaurants in front of the castle – at the "Schlossplatz" (castle place). There are seven (and much deeper in and around the city) of them and you will find people of all ages there, and you easily come in contact with them. They are really communicative. Most of the young people are able to speak English. More about this amazing town you'll find on my site: www.smart-travel-germany.com/schwetzingen.html .

My site is not perfect yet, but it grows day after day and I work really hard on it to give you the highest valuable free insider tips for your travel to Germany.

I hope you enjoyed the first part of my special report of 2 awesome German castles. Watch out for the second part with the other 2. I will post it shortly.

Also for further insider tips go to my website. I finished the creation of my monthly free special report. In this report I will describe the rest of our TOP 40 German castles and its histories. You can subscribe to it at www.smart-travel-germany.com/smart-travelogy-germ.html .

I appreciate you!

Marcus Hochstadt

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Source by Marcus Hochstadt

Western Art – the Heidelberg School of Painting – Australian

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Heidelberg School – The Concept
The Heidelberg School of Painting was the first major artistic movement in Australia dominant during the late nineteenth to early twentieth century. Impressionist in style, the genre made a remarkable impact on the overall Australian Art history, landscape & countryside painting in particular.

The History
The Heidelberg School originated in July 1891, with the art critic Sidney Dickinson's (US, 1890-1980) review of the works by Arthur Streeton (Australian, 1867-1943) and Walter Withers (Australian, 1854-1914). Sidney observed that the artists painting in the Heidelberg area were inspired by its landscapes and the impact of natural light on them. Since then, The Heidelberg School introduced the Australian artists of the late nineteenth century, painting in the Impressionist Plein-Air style. Apart from their grandeur as compositions, these works form an integral part of Australia's creative record. The Heidelberg School began to slowly dissolve in the 1890s.

The Details
The Heidelberg School introduced French Impressionist Plein-Airism to Australia. The paintings of this School initially honored the Australian landscapes. The students would stay together in the summer months in Heidelberg, to paint. Based on European art fundamentals, these Plein Air paintings depicted the colorful Australian landscapes. Right from domestic themes to urban arrangements, the Heidelberg artists painted all. The students were very heavily devoted towards Landscape Art. They were interested in producing Contemporary Impressionism to more accurately demonstrate the Australian environment than that done in the previous works through the Australian history. The artists were intrigued with the spontaneous lighting effects, resulting in their experiment with different brushstroke styles and techniques.

The Artists
The Heidelberg School included artists Arthur Streeton (1867-1943), Tom Roberts (1856-1931), Frederick McCubbin (1855-1917), Walter Withers (1854-1914), Jane Sutherland (1853-1928), Clara Southern 1940), Aby Altson (1864-1949), Charles Douglas Richardson (1853-1942), Artu Loureiro (1853-1932), and Charles Conder (1868-1909).

The Artworks
'Macedon Ranges' (1874) by Louis Buvelot; 'The Letter' (1884) & 'Pioneer' (1904) by Frederick McCubbin; 'A Quiet Day on Darebin Creek' (1885) by Tom Roberts; 'A Holiday at Mentone' (1888) by Charles Conder; 'Shearing the Rams' (1888-90) by Tom Roberts; 'Golden Summer, Eaglemont' (1889) by Arthur Streeton; 'The Storm' (1896) by Walter Withers; and 'An Old Bee Farm' (1900) by Clara Southern, are some of the competent pieces of The Heidelberg School. Several artworks are also displayed at the National Gallery of Victoria, Melbourne, the National Gallery of Australia, Parkes, Australian Capital Territory, and the Ballart Fine Art Gallery, Ballart.

Conclusion
The Heidelberg School artworks are unduly the first Western Art stunners to realistically represent each unit of a landscape, including the sun, earthy colors, and the vegetation. The Heidelberg School is an important chapter of the Australian Art history, for its immense contribution in towing up the cultural front of the nation through literature and art – a face the world gladly accepted, respected, and cherished.

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Source by Annette Labedzki

4 Keys Reasons Homes Should Be Listed At The Right Price, From The Start

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As a Licensed Real Estate Salesperson, in the State of New York, I am often asked questions about home prices, what someone's house might sell for, etc. Nearly every day, I observe some homes listed on the market, at prices that I strongly feel, are doing a disservice to the homeowner, and wonder why a certain number / price was chosen. Sometimes, it is because a homeowner claims the house to be priced / listed at that number, while at other times, certain agents, in the zest and enthusiasm to obtain a listing, may be communicating an overly optimistic prediction. In either case, or for any other reason, the reality is generally, houses listed at the correct price, from the start, not only have the best chance of selling, but getting the best possible price. Some say, how can that be, because they believe that if one lists it at a higher price, that will ensure receiving more. However, since, in the vast majority of cases, the best price someone gets is within the first few weeks, inflating that opening listing position, does quite the opposite! Let's exam 4 reasons homes should be listed at the right price, from the start.

1. Best offers usually come in first few weeks: Newly listed homes are often referred to as hot properties, because they have not been Mulled over by potential buyers, over and over again. Many begin their search on the Internet, and then, pay more attention to new listings. How one prices the home often determines how many will come, to view it, and then, a more realistic pricing will often attract more qualified buyers. To a large degree, this process is somewhat of a numbers game, and the more viewers, the more possibilities of qualified offers. Greed is not the friend, and often the enemy of getting it sold!

2. Cold versus hot properties – perception: Because of the Internet, it is rather simple for everyone to know how long a particular property has been on the market. Many ask if it might make sense to begin with ambitious pricing, and then come down in price, if it does not move! My answer is, in my opinion, in most cases, this is not a wise course of action. Buyers are attracted to hot properties, those fresh to the marketplace. When the optimal formula is used, it transforms the greatest opportunity, to the cold property – perception.

3. Opportunity cost of money: How much does it cost you to maintain your home, every month? Include mortgage interest and principal, escrow, and taxes, as well as utilities, maintenance, etc. Every month you delay costs you this amount of money, so does not it make more sense, to price your house, to sell, from the start?

4. Hassle / wasted time: I believe that most homeowners want three things: best possible price; least amount of time; and the minimum of hassle! Only when one uses smart approaches to determining and pricing, will these have the best chance of success!

If your goal is to get as much as your house will fetch, list the home at the proper price, from the start! Remember, the only thing that counts is what it sells for, not what it lists for!

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Source by Richard Brody

What To Highlight When Selling Real Estate

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Want to sell a home fast? Mentioning the items that are current trends like its subway tiles or barn doors could help make that happen. Which keywords you use to highlight your property for sale can be the key to selling faster, an average of two months faster, and selling for up to 13 percent higher than the listing price. Words like new carpets won`t do you any good to achieve your goal. When choosing words to describe your home, you should use this opportunity to choose wisely and use words that will highlight any specific details and finishes that may not be visible from the photos attached to the description. The words you use are also giving away hints about the general design and style of your home. Words like craftsman-style home and amenities are something that are well appreciated by today`s buyers, and if your home has that feel free to flaunt them. Also if in the description of your property you highlight that your home has subway tiles and Shaker cabinets, which are becoming very popular with buyers, they may also signal that your home also has other highly appreciated features like open floor design and spacious and well thought out kitchen.

But this doesn`t mean that if your home does not have any of these features that you should start ripping things apart and installing new floors just because they are trendy and may go well with some buyers. These features are appealing, but they may not be the entire reason someone wants to buy the house and may not make a lot of sense to renovate and install them. They simply aren`t justified of cost and time spent upgrading. Instead of doing an expensive renovating, look for some cost effective updates that will refresh the look of your home and will help attract buyers who can envision themselves living in that space. Simple things like adding a tile splash guard to the kitchen, adding suspended and energy efficient lighting, covering the outdated colour with new and trendy colours like something in the grey shade spectrum will give your home a facelift that will help you sell faster.

Other things that you can do in the advert is to point out the parking. This feature is high on the list of almost any buyer. If your home has a private garage or sufficient on-street parking area, be sure to emphasize these characteristics in the description.

Outside space, whether it is a landscaped garden or a balcony, is a feature that goes a long way with buyers who are looking for an outdoor area to relax in. Neighbourhood is very important, and if your home has characteristics that a family might be interested in, you will score more points if you mention that the property is near schools, supermarkets or hospital. If on the other hand your home might attract young professionals and couples, highlight areas of interest to them like bars, gyms and transport links.

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Source by Maria Williams

The 7 Steps For Smarter Home Buying

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The majority of Americans state one of their financial and life goals, is owning a home of their own. However, while some do so, many others fail to reach their goals. There are many reasons for this, including financial, credit, personal situations, family issues, uncertainty, indecisiveness, or lack of planning, amongst others. Buying a house is often a tense, somewhat scary time, because of the stresses, challenges, obstacles, and other, some unknown events. As a Licensed Real Estate Salesperson, in the State of New York, for over a decade, I have decided to dedicate this short article, to some of the basics, which hopefully might make you a smarter home buyer. Here are 7 basic steps to take.

1. Check your credit: Before you ever begin looking at homes, review your credit reports. You have the right to request a copy, for free, once per year, and do so, in order to know your credit score, and any negative factors, which might hurt your quest. What is your score? While there are mortgages for people with average credit, a score of 750, generally guarantees a better rate and opportunity. Is your report accurate, and if it is not, take the necessary, prescribed steps to remedy it? If it is accurate, and your score is not high enough, begin a disciplined approach, to pay back many of your outstanding debts, and improve your score and report, before you begin!

2. Pre – approval: Once you've done the first step, and taken all needed steps, speak to a recommended, quality, mortgage professional. Ask the individual to pre – approve you for a mortgage. This is far different from merely a pre- qualification, because pre-approvals go through the process of reviewing necessary financial documents, while pre – qualifications assume the information you supply is complete and accurate. Know how much mortgage you qualify for!

3. Decide the area: Where do you want to live, and why? Have you factored in, and considered, schools, transportation, safety, taxes, etc. Why have you selected this region? Once you've done that, is there a special section, you favor, and why? Consider all ramifications carefully.

4. Know your needs, and wants: How many bedrooms do you need, and does that take into consideration, future needs, or are you looking at this purchase, as a starter home? How much land do you want, and why? How many bathrooms? Are you seeking a fixer – upper, or a move – in, type of house? Develop a list of personal priorities, from the sunset!

5. Know your budget, and comfort level: There is often a difference between what you may qualify for, and how much monthly expense, you will feel comfortable, carrying! Know both of these. In most cases, you will need 20% down, and are you comfortable putting that down?

6. Choose the right agent, for you: Get recommendations, but always interview several real estate agents, before you hire one! Ask many questions, and have a thorough discussion, to be certain, you choose one which is right for you!

7. Compare; select; make offer: Ask your agent to provide information, so you understand what your budget might be able to procure, in the area you've selected. Look at recently sold homes, as well as those currently on the market. Remember, however, listing price and selling price, are not the same. Focus when you look at potential homes, and when you see one that's right for you, make an offer. Make a fair offer, if you are really interested.

Using these 7 steps will hopefully ease the process for you! Welcome to your new home!

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Source by Richard Brody

The Top 10 Real Estate Agents in New Hampshire

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When you want to know which real estate agents in New Hampshire are in the top ten, you have to understand that they are ranked according to many criteria. These criteria include everything from performance and service, to reputation and customer satisfaction.

The top ten New Hampshire real estate agents include both independent and agency agents:

  1. Buyer's Option Realty in Nashua specializes in the southern portion of the state. Its top agent, Joan Whitebook, has achieved the highest score with 154,681.
  2. Independent agent, Joan Mirantz, operates out of Concord and actively asserts buyers and sellers in the immediate area. Her reputation and success has given her the second place score of 120,048.
  3. Independent agent, Jay McGillicuddy, covers a broad range of areas, working out of Hampstead. He has achieved a high score of 119,856.
  4. Offering out of Dover, Bill Somerset, covers properties in Rochester, Somersworth, Rollinsford and Dover. He has an easily accessible website and has achieved a high score of 58,654.
  5. Jay and Monika McGillicuddy are a combination team with a score of 57,162, and are recognized for their superior service, experience, skills and knowledge of the Hampstead area.
  6. For properties in the north and lakes region, especially Lake Winnipesaukee, Kim Carpenter has gained independent success with a score of 44,712. She has proven herself as a powerful specialist in marketing and offers free consultations in Alton.
  7. Fred Light of Nashua combines his real estate score of 43,583 with services for other offices and real estate agents through his comprehensive web site.
  8. Alpine Lakes Real Estate in Woodstock offers twenty-five years of experience in a generally ski resort area, specializing in custom built homes. There score is 41,437.
  9. Judy Tuscano of Brentwood also has a long track record of experience covering local areas and parts of Maine. Her team provides twenty-five years experience with buyers and sellers, gaining a score of 38,218.
  10. Tim and Pam Ross-Wade work out of Wolfeboro, but serve the entire New Hampshire for both sellers and buyers. Their score of 37,733 has been earned through a reputation of professionalism, energy, experience, qualifications and unique knowledge.

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Makler Heidelberg

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Source by Mathew Butka