Short Sales – They May Be Your Answer If You Are Facing Foreclosure

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Are you facing a home foreclosure? Has your financial hardship landed you in a position that may cause you to lose your home? Well then, a short sale may be the answer. Selling your home by doing what is referred to as "short sale", by which the lender agreements to accept less then what is owed, may be just what you need to get on the road to recovery.

Short sales essentially tell the bank that you have a purchaser that has agreed to purchase you home for less then what the current outstanding mortgage balance. Lenders lose money by doing this, however the short sale is a decision that they must agree too.

Some lenders will be very open-minded to a short sale lawyer's fess, court costs and the likelihood of a bankruptcy, on your part, in the future. Ultimately, foreclosures cost lenders tens of thousands of dollars, losses that are certainly a loss in the event that you file a bankruptcy. Eviction costs, administration and sale of your home these too are factors that lenders take into account while consider the short sale offer.

A short sale offer that is as close to the actual market value as possible will more likely be your best approach to getting the bank to consider this option. If the offer is considerably less then the market value, you will need to convince the lender that the offer on the table is in their best interest, and to move forward with the short sale of your property. Keep in mind that mortgage companies are in the business of lending, not property management.

Some ways to persuade the lender to consider the short sale are to convince them that there is a wide range of repairs required on the property, the local economy for housing and employment is in distress, or any other persuasive explanation why they should agree to the short sale.

This type of sale is preferred over a foreclosure with the later; your credit will be negatively affected which will require a great deal of time and effort to repair. Short sales allow you to repair a damaged credit history faster so that you can get back in the housing market faster, once your financial position is recovered.

These sales are a radical solution to your financial problems, however you can convince the lender that you are unfortunately in the returns on your payments and you have no viable way to resolve the default amount, or the future payments on the mortgage then you are a prime candidate for a short sale.

The foreclosure process is very expensive, and can be very complicated. Lenders sometimes would rather avoid having to complete the foreclosure process, and avoid getting the home back as an REO, otherwise known as a "Real-Estate Owned" property.

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Source by Thomas Bladecki

Tips To Help You Sell Your Home Easily

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When you want to sell your home faster, with a kind of market we're having these days, there are some points you may want to consider for you to find the right buyer for your hard- earned home. You have lived in that house for so long and you want to sell it at a value you want and with the right person to buy it. And you need to have your house as appealing as you want. These tips will show you on selling your home faster than you expected.

Looking at the parts of the house before selling it will be an important thing to do. You have to check if there are some parts that are needed to be repaired and repair them at once. You do not want the client to be disappointed with your house. Clean the areas that are needed to be cleaned. Typically, people who want to buy a house usually get impressed when they see the house in a spick-and-span shape and the parts are organized. You may want to check if the screens are in good condition, the walls do not have many breaks, and the paint still looks good. If you have lots of books and magazines that are not needed, you can put them in a box and arrange them for the room not to be in disarray because of them. You want to show off the beauty and the tidiness of your home rather than a messy one.

Too much furnishings in a room may look smaller for the buyers. Many buyers usually want a spacious space in each room of the house. So, getting rid of the furniture that you do not need will make your house appear more roomy for the buyers. Or you can either take out all the furniture in the house so that you can show off the space of each room of your house. This will give them idea on what things they can put in each room and this will also help them picture the right appliances and furniture that will be suitable for each room.

Doing the general cleaning of the whole house will also help you impress potential buyers. Cleaning the faucets in the bathrooms and in the kitchen sink, mopping the floor, vacuuming the carpet are some of the things you want to accomplish first. It may be difficult but it will pay back on you. Potential buyers want to live in a house that has been lived by family that are clean. They do not want to purchase a house where there may be hidden dirt or grime when they check it.

When your house has a garden, you do not want future buyers to see it unorganized. This is the first location they see before entering your house. So, you may want to add more plants that are pleasing to the eyes or if you do not want to add more plants you may just clean your garden and take off unwanted plants and grass. A perfect landscape will help you highlight the beauty of your house.

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Source by Alvin Clavines

5 Tips on How to Sell Your House Without a Realtor

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1-Don't change your mind after you made the advertising and preparations for selling the property. If you decide to sell your house without a realtor then keep it this way, because if you change your mind you will feel about it and your morale will go down. Think this way: If so much people make money through selling their own house why should not I do the same thing.

There's no ultra-secret method that real estate agents use to sell your house, and there's no secret tips that everyone else sell their own homes without a realtor.

2-Be sure that you are doing the right things, because the main mistake that people do is to think if they spend a fortune on advertising they will get higher offers.No. Advertise in the right place,
through newspaper and websites and put a sign outside the house.

3-Try to make small improvements to your house in order to increase it's value.

4-Have patience and do not rush things, because you will get a buyer for your house eventually.

5-Price your house correctly. This is one of the most important tips on how to sell your house without realtor: When you evaluate your house I suggest to find out the price for homes that are for sale or were sold in your neighborhood and price your house 10% lower. This way you will get most visitors to your house and the chances of getting fast offers for your house increase. Keep in mind that in order to have a relevant price you must look for homes that are close to yours. I mean houses that have the same number of rooms, same number of baths, same style.

These are just a few tips on how to sell your house without a realtor, but I will reveal more soon.Keep in mind that selling homes can pe a profitable business if it's done correctly.

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Source by Nicusor Valentin Prefac

FSBO Selling Tip – Follow These Safety Rules

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One of the most over-looked items by the "fsbo" is that of safety. While most use common sense knowledge, some are just lacking in this area.

Recently, I called a "fsbo" and asked when I could come over to see the home. A young girl answered the phone and said her parents were not home but I could come over to look if I wanted. With no parents home? I would imagine the parents never educated the daughter regarding showing safety.

Safety Tip # 1 – Have all calls go directly to one of the parents cell phones. That way, all or most calls come in with caller identification and the caller can leave a message if they want to. I would personally suggest investing in an 800 # voice mail message where you can sell the benefits of your home using a message greeting, capture the callers number, and mention that you will be returning the call shortly. This avoids the safety issue of leaving your home number where anyone in your family can answer it. Plus, these 800 # voice mail services will automatically call your cell phone alerting you to the call. That way, you can return the message right away.

Safety Tip # 2 – Set aside one or two days a week for showing. Make sure your neighbors know when you are showing, so they will be aware of the coming and going traffic. During showing there are more than one adult available and make sure if there are multiple people in the "buyers party" that they do not get scattered all over your home. Try to keep everyone together during the showing.

Safety Tip # 3 – This will be a hard tip to follow and you might see it as restricting your showing activity. Tell all potential buyers that you would like a pre-qualification letter by a lender and a copy of the potential buyers drivers license. Why? Because of the safety issue. Quite a few of the lady agents in my office are now making copies of potential buyers driver licenses and giving them to Carol at the front desk before showing them property. Yes, some agents have been injured by buyers.

Safety Tip # 4 – Safely store everything of value, momentos, etc. during the times of showing your home. I have simply suggested to "fsbo's" who asked to either take their small items to a safety deposit box or even put items in the trunk of their car.

Safety Tip # 5 – Never give out too much information over the phone. This is non-fsbo related but is a good example. My friend Larry across the street received a call from a salesman offering a home security system. Larry told the salesman he did not have any use for one. Yes, Larry was burglarized the very next day.

While this briefly covers most of common concerns, you will have to use your own jurisdiction depending on your own situation.

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Source by Tom Jacobson

FSBO, Real Estate Agent, or Both?

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When you decide to sell your home you should consider your options. The traditional method of using a real estate agent is the safe route but can be expensive. The for-sale-by-owner or FSBO method can save you thousands of dollars but might be more work than you expect. Let's look at the two methods in detail so that you can make an informed decision

Using a real estate agent is the easiest method because you have someone who is trained to sell your home for you. A real estate agent can guide you through each step of the selling process. Your involvement is at a minimum when a real estate agent is in charge. There are several big advantages to using a real estate agent when selling your home.

Real estate agents can market your home using the Multiple Listing Service or MLS. This service allows agents to market your home to other agents and on the internet. Only real estate brokers may list a home on the MLS service. This service is one of the best ways to market your home. When an agent is trying to find a home for a buyer they will use the MLS to look for potential homes. There are thousands of websites that use the MLS listings for content. This means that when you home is listed on the MLS it will be listed on hundreds of websites. Being able to list your home on the MLS is one of the greatest advantages of listing your home with a real estate agent.

Real estate agents will show your home for you. You will not have to be at home for others to see it. Your agent will take care of showing your home and arranging for other agents to show your home. This is a great time saver. Imagine a hot buyer wanting to see your home in the middle of the day while you are at work. Do you want to have to leave work every time someone wants to see your home?

One of the biggest advantages of using a real estate agent is that they will negotiate for you and handle the paperwork. Selling your home by yourself can be tricky if you do not understand real estate contracts. You do not want to lose thousands of dollars or the sale because you do not understand the contract. Real estate agents can help you get to the closing table.

Selling a home via FSBO has its obvious advantages. Selling your home with a real estate agent will cost several thousand dollars. If you are lucky enough to sell your home FSBO then you will save thousands of dollars. The downside of selling FSBO is that it takes a lot of work. You will have to show your home when someone wants to see it. You will need to be able to negotiate the contract and get everyone to the closing table. You will also need good marketing skills. Selling FSBO is difficult and seldom works.

I would suggest you consider using both methods. You can get the benefits of both methods by using a flat flee service. These services take a flat fee, usually around $ 500 to sell your home. This method allows you to list on the MLS, use an agent to negotiate the contract, and save a few thousand dollars. This method uses a real estate broker to list your home and do the paper work. If an agent brings a buyer you will have to pay 2 or 3 percent commission but if you sell it yourself then you save the commission.

Take a look at your options before selling your home. Consider the advantages of each and pick the one you are most comfortable with.

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Source by Jordan S Ashton

The Truth About FSBO Websites

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The internet is a confusing place. There are literally hundreds of FSBO web sites and new ones seemingly popping up each day. We have made our share of mistakes in poor choosing ineffective FSBO web sites to advertise our properties and hope to prevent other in making the same mistakes we did.

What do FSBO web sites do?

The concept behind FSBO is multiple listings of many properties for sale by private owners. Some FSBO web sites are free and others charge a flat fee amount for a listing. They generally limit the number of pictures you can display (4-8) and give you a page to describe the features of your home. We recommend that sellers have their own dedicated web site so your house is not competitive with hundreds of other homes. Many FSBO sites also offer the option of a sign to assist you in advertising your home locally. Of course this also serves to advertise their FSBO web site which is a win for both parties.

From the myriad of FSBO web sites available it is difficult to determine which ones, if any, are suitable for your home. Many will give exaggerated claims of millions of visitors, however on the internet 10 quality targeted visitors are worth more than a million untargeted ones.

If you are interested in advertising on a FSBO web site contact them and find out what they do to advertise their site. Some promote their sites by listing on internet search engines, buying keyword traffic and others also use traditional billboard and newspapers advertisements to promote. The more marketing they do the better your chances are for finding a buyer through their service.

We have tried different FSBO web sites with varying success. Some while having lots of internet visitors have so many listings that your house gets lost in the sea of ​​unending homes. Conversely others do not get enough traffic to warrant the pricing for a listing. In our free fsbo guide we list multiple free or low cost FSBO web sites, and other marketing venues that were extremely effective for us. We will also show you how one free ad on one little known web site sold our house in two weeks and saved us over $ 8,000 in commission.

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Source by Heather Hume

FSBO Sellers – Do You Need An Open House?

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So why do agents hold open houses? The open house is not a very effective tool for selling a home, but it brings an agent into contact with people who are looking to purchase a home. Even if the prospective homeowner is not interested in the home being shown, they may be interested in the agent's other listings.

For both the FSBO seller and the seller who uses an agent, the question is this: if the likelihood of finding a buyer via an open house is small, should you hold one? A real estate agent's goal is to sell a house – and yours is just one of the many they have listed. As an FSBO seller, your goal is to sell your house. In either case, the chance that an open house will connect you to a firm buyer is slim, however you can still use your home as part of your successful sales strategy.

Today, nearly 8 out of 10 buyers study homes for sale using the Internet. If you list your home with an FSBO site, choose one that allows you to include a complete set of photographs and a video tour. Your prospective buyers may view your home any time of the day or night. Minimally, your photographs should show the home's exterior and the major rooms inside. This includes the kitchen, dining room, living room, family room and the bedrooms. If the home has a garage, professionally landscaped yard or other interesting features, these should be captured in photographs, too.

What about the bathroom? The debate rages over whether you should show the bathroom in photographs or not. No one will appeal about the value of the bathrooms in a home, and truthfully, a bathroom can make or break a sale. For a photographic tour, however, even an outstanding shot does not often capture a bathroom at its best.

Bathrooms have a lot of reflective surfaces. Tile, chrome, porcelain, marble and mirrors can impair photographs. Flash units sometimes obliterate the details and distract from the overall impression you're trying to make. Without your bathroom is something truly magnificent, you may want to hold off on putting photos of it in your tour.

A photo open house does not have to show your home's tiniest details. For the FSBO seller, the purpose of the photographic tour is to help prospective buyers determine whether they want to see your home in person. To that end, your photographs should be good quality images. The lighting should be sufficient to show the details of each room on the tour. Minimize the clutter in each room you photograph.

Aside from the photographs, you should provide the dimensions of each room. You do not have to post a layout of the home with the listing, but you should have one readily available for serious inquiries.

As an FSBO seller, feel free to skip the open house and refer prospective buyers to your online home tour. Instead, concentrate on creating an attractive online FSBO listing with good photographs that accentuate your home's most desirable features.

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Source by Michael Ranger

Why You Should Use a Realtor to Find Your Investment Real Estate

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Once you reach the point that you seriously want to start investing in real estate, it's time for you to start searching for the real estate investment that best fit your investment goals.

In this article, I want to discuss why it could benefit you to develop a working relationship with an investment Realtor to help locate investment property, the qualities you should look for, and how you can find that person.

Why Use a Professional?

Let's start at the top. Why would you want to use a real estate professional when you can find your own rental properties?

Foremost, because the right Realtor can guide you from your initial goal setting phase through the selection, acquisition, and subsequent management of your investment. They can direct you into investments you may not have discovered on your own and then negotiate the purchase for you (generally more easily than when a buyer and seller meet face-to-face). Moreover, they are equipped with the tools like real estate investment software and the expertise to help you crunch and interpret the numbers.

Who is a Right Realtor?

Most importantly, you are not looking for a licensed agent who sells houses for a living without ever having become active or knowledgeable about investment real estate. You do not want a house salesperson with no or minimal clue about rental property.

You want an agent who works full time in the business and not only understands and practices real estate investing, but also knows the market.

The Realtor you want understands investing and is familiar with such things as taxation, depreciation, financing and tax-deferred exchanges. You want a specialist who can create rental property cash flow, rates of return, and profitability analysis presentations and then help you to interpret that data against your investment goals. A real estate investment might be the largest sum of money you will ever spend, and you want a broker who not only cares how you spend your money but also handles it amply as if it was their own.

How to Find the Right Realtor

You can locate agents in your area qualified to work with investment property in any number of ways.

Contact the brokers and ask if they have an investment specialist in their office with background education in real estate investing; contact the CCIM Institute; contact the MLS and see who regularly lists rental property, the local Board of Realtors, and possibly a local appraiser, property management firm, or perhaps a friend or colleague who has been investing. You should have little trouble building a short-list of potentially qualified candidates that specialize in commercial and investment real estate full-time that you can meet with and interview. How you make your selection afterward will probably boil down to chemistry; who do you prefer to work with.

As an investor, especially if you are a first time investor, you will discover that having a good investment specialist on your side will definitely benefit your investment goals and well worth your effort to locate one and utilize their services.

Here's to your real estate investing success.

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Source by James Kobzeff

Real Estate Expired And For Sale By Owner Letters

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One of the most difficult things for real estate agents to do would be to put a pen to paper and create a letter that they can mail to homeowners that have an expired listing, or perhaps are selling on their own. Expired listings and for sale by owner (FSBO) is an essential part of becoming a successful real estate agent. So exactly what do you say within your letter which will spark the interest with the homeowner. Would it be the old worn-out line saying you have buyers for their house.

With that being said, would there be some additional interesting information for them? If not your letter goes into that famous circular file. All of your hard work, crumpled up and gone. Not only that, it is a well-known fact that one letter on its own will not produce any results. Homeowners are certainly not running for their phone to call you pleading, that you should come over and list their property.

Here Are Some Topic Ideas Of What Can Be Sent

  • So your house did not sell, but here's how I can help you
  • I specialize in getting homes that have failed to sell
  • You should not Give Up
  • Pinpoint the reasons your house did not sell
  • I can put MORE money in your pocket than you could Selling on your own
  • Have many real estate agents been calling you?

It generally requires a number of letters in sequential order so you can get yourself recognized. Which means that now it's more than one letter that you have to compose, it becomes a number of letters. This also means a number of good ideas that have to come together becoming a well thought out marketing campaign. Writing one letter is without a doubt hard enough, writing a series of letters is a struggle.

Try sitting down with a blank sheet of paper and begin a letter. Do you find yourself just staring at that blank sheet searching your mind for an idea? Just one good idea! Not so easy is it? Just how much time and effort are you going to have to put into getting all those letters written? Another task is proof reading all those letters. Possibly the worst thing you can do is send out a letter that is full of spelling and grammar errors. This is best done by another person or perhaps by a computer program. Do you have the time for all of this.

As soon as you start the compositing process you will quickly conclude that the amount of time spent can cost you more money than actually buying letters. Well there's some good news, you can buy letters by a professional and ready to go. There is a big advantage to purchasing real estate letters, they can cost a dollar or less per letter. A tremendous bargain if I may say so.

When you finish your letters you will have to do the mailing. It is best that you send them out systematically so that your name is frequently viewed by the homeowner. You will have to keep track of what letters you mailed out to who. You do not want to send the same letter to someone twice. There are contact management programs available that can do that for you. All you have to do is to search contact management programs using the web to find them. I would recommend a follow-up phone call to the owners or perhaps a face-to-face visit to further form a relationship. What you want is to create the opportunity for a consideration to list their property. Good luck!

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Source by John Allegro

FSBO Selling & Low-Ball Offers

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There are some particular things that happen when selling a home by yourself. You will have to be able to deal with them in a professional manner in order to receive the best price for your home and not be taken advantage of. One of the first things that you will have to deal with is the abundance of calls that you will likely receive from local realtors wanting your business. They will tell you that they can sell your home quickly and for more money, but of course, there is a commission attached to this so it's in their best interest to get your business. However, if you have planned properly for your sale and have done the necessary market research and are confidant that you can sell your home yourself and save the commission fees then stick to your guns!

Another thing that you may have to deal with is low-ball offers from buyers who think they can get a reduced price simply because you are not being represented by an agent. As agents are typically experienced at negotiating, people expect to pay more and have more trouble with getting a lower price. If you have priced your home properly then there should be no need to cut your price down, buyers should realize the value of your home and be willing to meet your price. Be ready for people making low offers in an attempt to find out what your bottom line is. If you receive an offer that is too low for your liking, make a counter-offer that is acceptable to you. Whatever you do, do not be desperate to move the property. In all likelihood the buyer's agent will identify this quickly and you will end up losing money in the end.

Do not sell yourself short in this process, and never settle for an offer that is less than you know the home to be worth. FSBO selling is tricky and there are people out there who will prey on uneducated FSBO sellers. Make sure that you are not one of them.

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Immobilienmakler Heidelberg

Makler Heidelberg

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Source by Kevin Bilberry