Foreclosure or Short Selling, Which Is Correct For You?

Short sale is selling a house for less than what the owner still owes on the mortgage. Lenders often agree with the procedure to take a small loss and avoid the foreclosure process that is long and expensive. In the case of foreclosures, the house is repossessed by the bank due to late payments. A short sale happens in most cases, when you know you can not afford your home any longer – if payments were lost or not made.

The short selling can prove to be a win-win situation for the lender, seller and also buyer, especially when it comes to the real estate in Sacramento. Deciding on a short sale, the seller can easily get out of mortgage on the home, without filing bankruptcy which is the last option for a home owner. The buyer benefits from obtaining affordable home and a price that is below market value. The lender agreements to a short sale, because there is a high probability of suffering and the involuntary lengthy procedure and huge cost in the process of foreclosure.

As a homeowner facing foreclosure, do not expect short sale to leave no marks on your credit history. But remember that a selling short affects your credit score for a short period of time and are more likely offers you to purchase a home earlier. The ratings for short sales fall only by a few hundred points, but foreclosure can result in great amount of points.

What seems the largest difference when it comes to real estate in Sacramento between foreclosures and short selling is that a short sale allows the purchase of a new property in a short period of time, if the owner does not miss any mortgage payments, has not signed a promissory note or a deficiency of sentence did not take place.

A fairly large difference which leads to foreclosure is the view of disability and makes a selling a house short a better option. The bank acquires the property in a short sale and the homeowner is selling to a buyer who would otherwise. Contact an advisor FHA loan to see if there are any current programs in place to help you through this difficult time. Most homeowners can get financial help they need from Federal Government is such cases.

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Source by Hilda O'Neal

Choose your Agent: fsbo

Choose your Agent: fsbo

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For Sale By Owner (FSBO). What a mess!!! If you think “Playing Realtor” is fun and will save you money, you are in for a shocking surprise! Professional agents can do so much more than you can ever imagine. Furthermore, if I would describe that act I would say it is like someone who went to court for a dispute and when the Judge asks, “Who represents you?” He replies, “Your honor, I represent myself.” That Frustrated Suffering Beyond Ordinary is also known as FSBO. Mr. & Mrs., FSBO. Do you know that agent can share your property with thousands of others through the MLS, utilizing an extraordinarily wide vista which allows agents and only agents to advertise your home to as many potential buyers as possible? Remember: the bigger the pool of buyers, the more likely get it sold. For sure highly educated, experienced agent can negotiate a deal on behalf of their clients, that will make you, Mr.& Mrs. FSBO’s head spin. All that an agent needs is a chance to represent your property. Is that too much to ask? Prof. Dr. Luigi Pavone Doctor of Business Administration Ph.D. in Marketing Economics RS79060 808-495-1499 www.MauiRealEstateDoctor.com



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Tips for Selling Life Insurance – Techniques To Double Your Policy Sales

When you tell people you sell life insurance they might back off a bit. No one really wants to think of their own mortality. It’s not fun to think of yourself in the pine box being driven to the grave in a sad black hearse. Many agents tend to avoid the conversation of life insurance because it is just too difficult. Prospects tend to squirm in their seat and look away when they are thinking of the “coverage” their family will need in the worst case scenario.

 Instead of getting another insurance license or avoiding the subject entirely I invite you to take a different approach to selling policies. An approach that DOESN’T involve long, drawn out scripts that sound rehearsed. It’s a method that doesn’t involve you putting together detailed proposals and reviewing every financial document just to sell them a small $450/annual policy. 

To be on the path to doubling your insurance policy sales, consider the following tips: 

  1. Focused Lead Generation – Instead of having an average magazine ad, a sad website, and a paltry past client touch marketing consider taking one of them to the extreme. Focus on one system to generate more life insurance leads. That may mean cutting back on the magazine ad for awhile to put more money into the website. By focusing on one type of marketing you will be able to generate more leads quickly because it will have your full attention.
  2. Scripts That Are Interest Piquing – Stop selling people on the benefits of life insurance. Stop telling them it’s something they should get if they want to be “responsible”. Instead of the tired insurance sales scripts that are 40+ years old consider changing your scripts into interest piquing questions. Ask questions that get them to see it’s in their best interest. Ask questions that make them want to find out more.
  3. Follow Up Strategy – No matter how good you are on the phone you won’t be able to convert every lead. There are leads that won’t work out, but some would work out if you had a bit more follow up. Regardless of your lead generation source, consider putting together an email follow up strategy that can pique their interest over a 12 month period. No selling or pitching just emails that reveal the big “why” on getting life insurance. 

Doubling your insurance policy sales isn’t about shelling out $10,000 in a new marketing campaign. Keep the focus on the core activities above and watch your sales soar. Get a head start on the #2 above with my powerful free conversion course. You will quickly discover 67 interest piquing questions and be on the path to doubling your sales – www.QuestionsThatSell.com

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Source by Todd Bates

Expert Staging Tips To Sell Your Home Fast And For The Most Money

STAGING YOUR HOME

Paint

It's vital to make your residence appealing to the masses. A brand new layer of neutral paint could make your property show larger, brighter, and be more appealing to potential buyers.

Curb appeal

Pull weeds, rake leaves, and trim overgrown shrubbery, particularly when they obstruct windows or the walkway to your entrance. If it is spring plant some annual flowers. Maintain your lawn cut and trimmed.

Make repairs

Repair such things as leaky sinks and sticky cabinetry, and repair old screens. They may seem insignificant, but minor repairs accumulate in the brain of your prospective buyer. They have an inclination to overestimate how much maintenance cost and you will not want to give them any reason not to put in an offer.

Rearrange

Be sure your furniture location permits simple traffic flow and shows the purpose of each room. When you've got an excess amount of furniture, rent a portable storage device to keep things until you will be ready to move into your new place. If you do not have sufficient furniture, borrow or rent items.

Pack up

Pack up or store all personal items. This consists of personal photos, portraits, and trophies. Less is often more. The less clutter and nick knacks you might have lying around, the more potential customers are able to see your dwelling and what it offers. Keep in mind, that you're selling the house, not your stuff. In addition, getting a head start on packing will prevent some stress in the future.

Organize

When your home is attentively organized, buyers will view themselves living a stress-free life in your house.

Clean

Thoroughly clean every inch of your home, and do not forget to make your windows and floors sparkle. A clean and uncluttered kitchen is really a staple of home staging. If your carpet appears old and tarnished, think about replacing it. Additionally, make sure there are not any unpleasant smells. Acquire an air-neutralizing spray that can help eradicate odors without producing an overwhelming masking odor. Clean homes sell!

Lighten up

Let the sunshine in, and switch on the lights. Open all blinds or curtains, and make sure a home is well-lit. Lighten the home with natural tones along with a neutral dose of style.

Maintain it ready to show

It could be somewhat annoying, but before you receive an offer, keep your home in tip-top shape at all times. What this assumes is that each room needs to have a specific purpose, nice flow and be clean and clutter-free. Buyers need to be capable of imagine themselves and their things in a room, and taking these steps will help guarantee that. Your home should be ready to show with only 30 minutes notice, so keep it clean at all times.

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Source by Chris D Chamberlain

The Insider’s Guide to Making Money in Real Estate: Smart Steps to Building Your Wealth Through Property

The Insider's Guide to Making Money in Real Estate: Smart Steps to Building Your Wealth Through Property

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Start building your fortune with the ultimate insider’s guide to real estate investing

The Insider’s Guide to Making Money in Real Estate explains why real estate is a consistently profitable moneymaker and how everyday people just like you can build their fortune regardless of their credit score or how much money they have in the bank. It’s true–you don’t have to be rich to invest in real estate. It’s the easiest, most leveraged method for building sustainable wealth over time, and it’s open to everyone.

In this practical, nuts-and-bolts guide, New York Times bestselling real estate authors Dolf de Roos and Diane Kennedy cover all the basics of investing and offer the kind of insider advice and little-known tips you won’t find anywhere else. You’ll get a wealth of bright ideas and smart investment moves, as well as examples, case studies, and true investing stories from successful investors just like you. Inside, you’ll learn:
* The ins and outs of commercial versus residential property
* How to spot great bargains in neighborhoods with great potential
* How to finance your investments with less-than-perfect credit
* Quick tips for increasing the value of your property inexpensively
* How to find reliable tenants who’ll pay top dollar
* Everything you need to know about property taxes and deductions
* How to use tax benefits to increase your profits



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How to Sell Without a Real Estate Agent

Selling your home on your own is a challenge in today's market. If you decide to go it on your own, here are a few tips to keep in mind:

Preparing the House

Start by preparing your home for sale. Clean, get rid of clutter, pack up items you do not use and maybe having a garage sale to get rid of the rest.

Appearance Does Matter

The outside appearance of your home is as important as the inside. It's the first thing that buyer's see so you want to make a good impression. Make sure your lawn is manicured. Fix any broken gates, fines or windows. Plant trees, trim shrubs and add some flowers.

The inside of your home should be warm and inviting. Freshen the home by repainting, cleaning or installing new flooring or carpets and maybe new appliances, if your budget allows. The home should be spic and span inside. Removing clutter will give the home a more spacious feel.

Price Your Home Correctly

Price is the most important factor to consider when selling a home especially in today's tough market where you are competing with troubled properties. You will need to price the home at or very soon market to attract a qualified buyer. You must be motivated to sell. This is not a market to test. Only serious sellers are able to compete for buyers.

Offer Incentives

Offer buyers incentives such as seller financing, paying their closing costs, prepaying taxes and offering credits or making repairs. Remember, the competition is fierce out there. The more you sweeten the deal, the better.

Advertising

Set aside a budget for advertising your home. Will you use signage, newspaper ads, conduct an open house, and advertise the home on the Internet? These are all good ways to expose your home. There are several websites that owners can advertise their homes for sale other than the MLS. You want to attract as many buyers as you can. The Internet is a great place to advertise your home because half of all home buyers today start their home search on the Internet.

Talk to everyone you know and tell them your home is for sale Make up some brochure sand distribute them to local Realtors in the area who may have a buyer interested in your home. If they bring you a buyer, then offer to pay their commission.

Negotiating the Contract

If you are not going to use a Realtor, then hire a real estate attorney to help you negotiate the contract. If you can not afford an attorney, then educate yourself on the local real estate laws, health and safety codes and disclosure laws in your area to avoid any legal problems down the road.

Remember that both parties need to walk away feeling like they each won something. Find out what is important to the buyer. Is it price, a longer or shorter closing time, do they need help with financing? This will help you with the negotiating process.

Ask the buyer to provide you with a pre-qualified letter from their lender to make sure they qualify to buy your home. If it is a cash offer, then ask for proof of funds such as a copy of a bank statement. You do not want to tie up your property for 30 or 45 days with a buyer who is not qualified to close the deal.

Closing the Transactions

You will need to choose a title or escrow holder or attorney to close the transactions. Check around with friends, neighbors or local Realtors and get a referral. Always choose a reputable company. The title company will provide you with an estimate of your closings costs. Ask if they have a document management Internet system so that you can have access to the transaction 24/7 and share information with the buyer once you have an accepted contract. It saves time and is a great communication tool to keep everyone in the loop at all times so the closing process goes smoother.

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Source by Ken Rolf

Online Business Ideas.: 20 tips of How to use social media to get your business (Volume 2)

Online Business Ideas.: 20 tips of How to use social media to get your business (Volume 2)

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In this day and age, business owners have to utilize social media and online advertising to promote their business. Those who refuse to update their marketing style to fit this century will likely be left in the dust. Businesses are now primarily promoted online, and it is crucial to use social media as a platform for advertising. This book will help you develop and boost your social media presence. You will find descriptions of the most popular social media sites, and will help you decide which sites will be most beneficial for your targeted demographic. This guide has helpful tips and tricks to make the most of social media and will increase your reach quickly if done right. Increased following on social media leads to more traffic in your store and more sales overall. This plan can work for any type of business, and modifications for specific businesses are discussed as well.



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Tips For Selling Your Own Home

Home selling tips are everywhere; some suggesting things you might never thought of, some are general ones you're likely to find everywhere. But just because they're common does not mean we should stop making them. Here are some home selling tips of my own:

When putting out your advertisement, never use the words "asking"; Egypt "negotiable" with your selling price. This will only make it seem like you're not sure the value of your home. Why bother setting the price in the first place if further negotiation is likely to change it anyways?

When preparing your house, try to look at it from the buyer's point of view. Would you want to buy a house like your own?

Unless you're sure you're up to the challenge, hire a good agent and attorney to do the home selling for you. It may cost more, but it can save you a lot of pain. If you are going to sell it yourself do your homework and put in the effort required.

Make sure you have a full Multiple Listing Service coverage; This is a powerful tip to remember. Multiple Listing Service is the strongest selling tool for your home. Some people would not even advise you to check for any offers before you see you home on MLS! Alternatives to marketing on the MLS is for Sale by Owner websites such as Lake Ozarks FSBO

Home shows through an open house is a good idea, especially if you live in a small town.

Getting your clutter out of the way will not only improve the home showings, but also makes it easier for you to pack your things

Finish off whatever new constructions you're applying with your house. No buyers would want to finish what the seller left off!

When negotiating with the buyer, throw your bad mood away. It's hard to discuss price when you're still upset about the buyer's plans to cut down the tree you love. Maintain an interactive discussion and build up trust. Even if the offer does not work out, keep up a good impression.

Do not let buyer's offers sway you, consult with your attorney about the price offered. Usually there's a period of two or three days for you to accept or reject an offer. Also be prepared for home inspections, as usually this happens during this stage of the home selling process.

Like I said in the beginning of the article: home selling tips are endless, when you start looking for them. Choose only the tips that would best suit your needs and capacity. And if you still have not found one, chances are you'll find it soon. A good resource guide with lots of great tips for selling your home can be found at Your Home Selling Guide

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Source by Dave Huffman

Neighbors At War! The Creepy Case Against Your Homeowners Association

Neighbors At War! The Creepy Case Against Your Homeowners Association

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Neighbors At War is a critical examination of the modern Homeowners Association movement, and how it has robbed 62 million Americans of their civil rights as outlined in the U.S. Constitution. Homeowners often move into these planned communities and unwittingly sign documents that control their behavior in a multitude of ways. Failing to abide by these ‘personality and private behavior’ controls has cost thousands of homeowners their homes, their life savings and their peace of mind. While HOAs were theoretically created to protect property values, there is incredible incentive for HOA board officers to “go rogue” and unnecessarily abuse fellow homeowners. When that happens, neighborhoods are torn apart, property values plummet and lives are ruined. Another national scandal is the amount of financial corruption of HOA board members. In one American city, federal indictments of dozens of well-known public figures show what happens when HOAs go out of control.



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Flat Fee MLS vs FSBO

Lets face it there is only one reason to sell your own home – to save money. The decision to sell your property by owner allows the homeowner a "potential" savings of 6% in real estate fees. The average home in USA last year was approximately $ 270,000 so the "potential" savings is over $ 16,000! Here's the realty check – fewer then 14% actually realize that savings. The remaining 86% save somewhere between 3% and nothing – the major save absolutely nothing. Why? The answer, in my opinion, is the ill fated "all or nothing attitude" of the typical For Sale by Owner. The single biggest challenge for a FSBO is effective marketing. Effective marketing costs money! Spend a little – Save a lot! If you could spend $ 500 and increase the odds of selling your home to 85% and still save a significant amount of money – would you consider it?

Most FSBO's do buy a sign sign – good decision – according to the National Association of Realtors, based on hundreds of thousands of annual sales, 14% of homebuyers saw the "For Sale" sign first – a very cost effective marketing tool considering you can buy one at LOWES for $ 10. So how do you reach the other 86% of your potential buyers? All too often FSBO's live and die with the $ 10 sign. When the $ 10 sign fails, most list with a full service real estate agent and agree to pay them 6% of their asking price. Make sense? Not to me! The other common mistake of the unsold FSBO is to lower the asking price – the "it's not selling – must be priced too high" mentality. Lowering your asking price is more accurately compensation for a lack of effective marketing. Real estate agents will tell you that FSBO's typically sell for less then real estate listed properties. I believe that is a combination of two things, one the seller passing a portion of the real estate commission savings to the buyer to facilitate a faster sale and the all too common unnecessary price reduction. The analogy I often make is – if you park a 2008 Corvette in your garage and put a price tag of $ 1000 on it and shut the door – guess what – it will not sell – why? Because no one knows its there! You can go out to the garage after a month and lower the price to $ 500 – guess what – IT STILL ISN "T GOING TO SELL!

So what is the solution? Simple – Flat Fee MLS! What is Flat Fee MLS and how does it help you save money? Flat Fee MLS is a service provided by a licensed realtor that simply puts your property on the Multiple Listing Service (MLS) for a "Flat Fee" as opposed to the typical listing agent commission of 3%. A typical "full service" real estate service charges 6% – half of which (3%) goes to the listing agent – the other half (3%) goes to the Selling agent. With a Flat Fee MLS you eliminate the listing agent and their fee and only pay the selling agent if they sell your home – you still have the option to sell your property yourself and pay no commissions.

Flat Fee MLS accomplishes two VERY IMPORTANT things – one – it increases the odds of selling your home six fold (14% vs. 85%) and secondly it exposes your property to a 2 million strong, professionally trained sales force. It also gives you a very real chance of saving 3% of your asking price!

The fact is this – if you do not sell your home you save absolutely NOTHING – over 85% of FSBO's fail – they fail because they are not effectively marketed. Buyers do not even know the property is for sale unless they drive by and notice your $ 10 sign! 85% of all homes sold in the United States listed on MLS! Pretty compelling statistics! So you can either list your property on the MLS through a Flat Fee Agent and save the listing agent fee of 3% – please note the average home sale is approximately $ 270,000 so 3% is around $ 8,000.00 – or you can waste your time with virtually useless Open Houses, $ 10 signs and $ 200 in classified ads, most likely fail and then hire a your favorite Realtor and pay 6%.

Here is an actual real life account – (please note names have been changed to protect the innocent) – Barbara lists her home in Florida on FreeFSBO.com for $ 205,000- receives free online listing, free law sign and for Sale by Owner consultation with a renovated internet and FSBO marketing expert. Part of the FSBO Marketing Consultation is an introduction to Flat Fee MLS and how it works. One month later – without spending a penny to market the property Barbara gives up and hires a full service agent and contractually agreements to pay 6% of the selling price to a real estate agent (a "friend") who also convinces her to lower her asking price to $ 199,900. Within one month Barbara has gone from unrealistically saving the entire real estate fee of $ 12,000 to giving up $ 17,000? That's if she gets a full price offer!

A listing agent does one thing of value and one only – they put your home on MLS! They then put a $ 10 sign on your front lawn, hold a couple of self serving Open Houses * and typically spend the duration of the listing trying to convince you to lower your asking price so another agent can sell it and they can collect their 3% .

Bottom-line; do not wait to spend some money on effective marketing, list your FSBO with a Flat FEE MLS agent right out of the gate! Actually save money instead of dreaming about it. 85% of all homes SOLD are listed on MLS – need I say more? Do not, under any circumstances engage a full service real estate agency!

* Open Houses serve two purposes, both benefit the listing agent, one, they use them as lead generation opportunities (collect names to sell them "other" properties) and two, to support their position that your home has not sold, in spite of all their work, and you should lower your asking price.

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Source by Mark Camphaug